Thursday, December 31, 2015

2015 Financial Independence Goals ($295,536 +$22,649 or +8%)

- Accumulate at least $48,000 (This is  $40,000 in 2010 money)  or $4,000 a month for investments during 2015, beginning  2016. – Complete. This has been done, $4,000 a month like a clock work.
- Portfolio should be able to generate   $9,000 a year after taxes in the money of the day  (In 2014 it was $7,500). Stretched target – $10,000.  NO. Actual dividends were $6,000 after taxes, which less  to the previous year. Two main reasons:
#1 I am sitting on a pile of cash, not investing them, i.e. not translating them into dividends (~ $100 K).
#2 USD is stronger, so the companies with operations outside US struggling to deliver performance.
Dividends for 2015:
S&P 500 Index fund ~ 740 USD after taxes or 1.7%
Emerging markets fund ~  500 USD after taxes or 3.5%
Rosneft ~ 250 USD after taxes or 3.3%
Gazprom ~ 4,500 USD after taxes or 4%
Average dividends 3% after taxes.

- Think about additional source of income.  My blog start bringing some measurable income but want to beef up with some streams. Complete. This has been complete and more about in the next year posts.

- Regular monthly updates – Complete.
- To cover 6 themes on financial independence. NO. Complete only three:

- Publish easy tracker for the long term portfolio performance.  Work in progress.
I have no intentions to move towards an entertaining blog with 2-3 weekly posts.   I will endeavor my best efforts to stay on personal subject of financial independence and family budget.  

-  Create list of books to read  & read them- 12 books is minimum – NO.
-  Publish the books reviews – NO. Complete only one. The list is there, need to keep reading.

Family Budget:
- Stay under $100,000 with the family expenses
- Accumulate $7,000 towards durable goods replacement over 10 years.

Be happy.  Run 1,000 miles during the year – Complete. In summary – working on eating habits is more important than anything else. Also strength exercises (without weights lifting) are the key for getting into shape and loosing the body mass.


  1. Dang, 1,000 miles! I've just started running a little bit and can't imagine running anything near that much yet.

    1. Hi Mel,
      Thank you for stopping by. I could not imagine myself as well. If I will be honest with you, back in 2010 I got a new job. I had to sit about 11 hours a day in front of computer. That was the main reason why. I can not say that I feel myself any different today. At lunch time today I ran 4.5 miles in 33 minutes. The challenge is to start running 5 miles every second day, so I do not need to run every day to do my 1,000 miles a year :-)
      The biggest think is do the distance, even if you have to walk sometime. Once my mind used to the idea of distance, I started pushing it for time.