↑ Company shares went down by $ 0.4 a share but with the
re-invested dividends number of shares went up from 271 to 275. Overall value
went up by $70.
↑ EUR and GBP are up to USD, for me it means $2,339 USD for
EUR and 620 for GBP.
↑ accumulated $4,000 as part of my annual savings goal.
↑ Dividend Vanguard Energy ETF 578 USD after paying 10% tax
↑ Vanguard SPF 500 ETF 82 USD after paying 10% tax.
↑ Gold is up by $1,030
↑ Grand total additions: $8,719
↓ Vanguard Energy ETF is down $1,800
↓ Vanguard 500 Index is down $500
↓ Gazprom shares are down $290
↓ RUB is down to USD by $325
↓ Rosneft shares are down by $690
↓ Grand total losses: $2,885
Observations:
- Currency diversification is certainly
at work, making the portfolio less volatile.
- Vanguard ETF dividends were about 1.5%
even now, at very favorable oil prices. It is not very inspiring. Same
applies to Vanguard 500 Index at 2% annual dividend rate.
- My bank is getting greedy, from this
year to maintain account will cost me $150 and 0.08% of the portfolio. Every
transaction cost $10 and 0.1% of its cost. In other words should I want liquidate my
portfolio tomorrow it will cost me $305 before I could access the money. Annual
cost to keep the account is $350.
- I have never felt myself so poor in my entire life, even
when was very young and had nothing in my pockets, but then there was a promise
of tomorrow. Getting mature I have came to realize that if I will stay on the
track it take me next 30 years to build nest egg big enough to support me during retirement. Just maybe lucky enough to leave something behind for the kids. This
is a reality check.
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