Tuesday, January 31, 2017

January 2017 update ($386,711 -$1,120 or -0.3%)

Vanguard Emerging markets ETF is up by 6% or $882
Rosneft shares went up by 2% or $221 for my portfolio.
iShares core DAX wen up 2% or $378
iShares Emerging markets sovereign debt ETF (IEMB )  is up by 1% or $300
iShares Emerging markets  Corporate bonds ETF (EMCR) is up by 2% or $880
Precious metals are up by 7% or $686
Grand total additions:  $3,347
 
Vanguard S&P500 ETF is down 1% or $945
Gazprom shares are down 2% or $2,835
Company shares are down by 3% or $687
Grand total losses:  $ 4,467

Sunday, January 22, 2017

2017 Financial Independence Goals

This year it took me a little bit longer to come up with financial independence goals. The journey continues but at a slower pace. I am with the same company but on a half of the salary, doing more hours than ever before.
Focus in the coming year will be on sharpening and developing new skills and knowledge to move on.

Than you think about it  - over 25% of our income goes towards mortgage, house bills and property tax, I need to adjust now.

Financial goals.
- Accumulate $10 K a year, with $4k of them towards long term house maintenance.
- Portfolio – go 0% cash for savings as of end 2016.  Generate $10K in dividends. Portfolio to be $430 K by end of the year.
- Develop additional income source in full, potential reward about $2,000 a year.

Blog:
- Regular monthly updates.
- To cover 6 themes on financial independence. Two of them : mortgage, 30 year forecast scenario.
- Publish easy tracker for the long-term portfolio performance.
 
Educational:
- Create list of books to read - 12 books is minimum.
- Read the books.
- Publish the books reviews.

Family Budget:
- Stay under 110%  of 2016 budget. Increase is due to additional cost of commuting.


Be happy.  Run 1,000 miles during the year. Keep BMI below, target 26.5 (current 27.7).

Wednesday, January 4, 2017

2016 Financial Independence Goals ($387,831 +$92,295 or +31%)



Financial goals.
- Accumulate at least $24K a year. Stretched target - $50K.  Partially complete. Accumulated approximately $ 38K.
- Portfolio should be able to generate $8,000 a year after taxes in the money of the day.  – Complete.  Without seeing end of the year result from some of the companies received $8 K after taxes.
- Develop additional income source in full, potential reward about $2,000 a year – Not achieved, although some measurable progress made.
- Less than 5% of portfolio in cash by end of the year and $350 K overall net worth in the money of the day – Partially achieved, portfolio $387 K but approximately 11% in cash.

 Blog:
- Regular monthly updates – Not achieved. (Missed September update).
- To cover 6 themes on financial independence -  Portfolio performance, Assets Allocation,  Energy stocks screening and Family budget. Missing one more theme.
- Publish easy tracker for the long-term portfolio performance – Not achieved.
 
Educational:
- Create list of books to read - 12 books are minimum. Not achieved. Read only two, not achieved.
- Read the books.
- Publish the books reviews – Not achieved.
 
Family Budget:
- Stay under $100,000 with the family expenses – Achieved. Spent $84K.
- Accumulate $7,000 towards durable goods replacement over 10 years – Achieved.

Be happy.  Run 1,000 miles during the year. Keep BMI below, target 26.6 (current 27.5)- Partially complete. Ran 1,022 miles but BMI is 27.4.

Friday, December 23, 2016

December 2016 update ($387,831 +$12,471 or +3%)



Vanguard S&P500 ETF went up by 4% or $2,226 for my portfolio.
Gazprom shares went up by 7% or $8,586 for my portfolio.
Company shares went up by 10% or $2,277.
Rosneft shares went up by 22% or $2,449 for my portfolio.
iShares core DAX wen up 7% or $1,442.
iShares Emerging markets sovereign debt ETF (IEMB )  is marginally up by $80
Dividends Emerging markets sovereign bond (IEMB ) – $86 or 5% annually.
Grand total additions:  $16,986
 ↓ Vanguard Emerging markets ETF is slightly down by 1% or $127.
Emerging markets corporate bond ETF (EMCR) lost 1 or $440
Precious metals are down by 8% or $792
EUR lost to USD 1%,  for my portfolio it is $2,441
GBP lost to USD  2%, for my portfolio it is $715.
Grand total losses:  $ 4,515

Wednesday, November 30, 2016

Financial Independence Family Budget 2007 -2016

     This year I continue to analyse and publish our family budget.  Over the period of 8 years this helped us to understand better our expenses and more accurately plan our future.
     Tracking daily expenses takes no more than a few minutes a day. We are simply doing it in a spreadsheet.  More historical data helps to make sense of it, look at the inflation – actual and imaginary.
    For example, we have been renting out the same house for the last 5 years – home bills (energy, property taxes) cumulatively went up by 12%. As an observation - it is much more beneficial to stay in the same house when renting. Rent rate went by 4% over 5 years (once we moved out the property owner pushed it up by 12%, admittedly the house is still on the market 3 months later).

Financial independence family budget 2016-2007:
Financial independence family budget. True story - http://www.niterainbow.com

Sunday, November 27, 2016

November 2016 update ($375,360 +$13,935 or +4%)

Gazprom shares went up by 13% or $14,715 for my portfolio.
Vanguard Emerging markets ETF went up  by 10% or $6,050.
Company shares went up by 4% or $814.
iShares core DAX wen up 3% or $545.
Vanguard Emerging markets ETF went up by $33.
GBP went up to USD by 4%, for my portfolio it is $1,788.
Grand total additions:  $23,945
iShares Emerging markets sovereign debt ETF (IEMB )  lost 4% or $960
Emerging markets corporate bond ETF (EMCR) lost 3% or $1,440
Precious metals are down by 3% or $285
EUR lost to USD 3%,  for my portfolio it is $7,324

Grand total losses:  $ 10,009

Monday, October 31, 2016

October 2016 update ($361,425 -$6,613 or -2%)



First of I would like to apologise for missing September update. When I looked through the files I could not believe it that I did it.  That was completely unintentional. I accepted a new job, although it is half pay from what I used to have it took a lot of my attention and time  - 50 hours plus working week is a new normal.


↑ Gazprom shares went up by 6% or $5,600 for my portfolio.
↑ Company shares went up by 2% or $623 (including dividends reinvestment).
↑ Rosneft shares went up by  6% or $706.
↑ Emerging markets corporate bond ETF went up by $120.
↑ Dividends Emerging markets sovereign bond (IEMB ) – $192 or 5% annually.
↑ Dividends Vanguard Emerging markets  $196 -  or 1.9% annually.
↑ Dividends Vanguard S&P500 – $279  or 1.8% annually.
Grand total additions: $7,716


↓ Vanguard Emerging markets ETF lost 1% or $101.
↓ Vanguard S&P500 lost 3% or $1,680.↓ iShares core DAX lost 2% or $336.
↓ iShares Emerging markets sovereign debt ETF lost 2% or $560.
↓ Precious metals are down by 6% or $677.
↓ EUR lost to USD 3%,  for my portfolio it is $6,554.
↓GBP lost to USD 9%, for my portfolio it is $4,420.
Grand total losses:  $ 14,328.