Status Update, May 2018

Well, another month, another period of not much progress. Again, I didn’t lose but didn’t gain much either. Looks like last years big “bump” is going to be offset by a flat year in 2018? We will see, still got 2/3 of the year to go. Thanks to putting all my bonus money into my investments, I’m back to being over $1M in assets, so that is a plus.

Retirement Accounts: Remember, my allocation for these is:

  • 30% Bond Index Fund
  • 17.5% S&P500 Index Fund
  • 17.5% International Index Fund
  • 17.5% Small Cap Index Fund
  • 17.5% REIT Index Fund

I ended up being about 0.3% up here, after my monthly inputs into the various accounts. My bond index funds dropped a bit, but my international and REITs were up, bringing me to a +0.3% for the month. For the year, I’m a little up, while the market in total is a little below Jan 1. Another reason for asset allocation. Note that these returns include reinvesting dividends.

My 401K/Deferred account at work was up only 1.1% for April – but this one doesn’t have a REIT option in its choices, so I didn’t get the benefit of the REITs for April (but didn’t suffer from this in this account for 2017).

Dividend Income Account: Allocation:

  • 25% Dividend Stocks
  • 25% REITs
  • 50% Bond Index Funds

Up about 0.2% including dividend payments.  Bonds (50% of allocation) got hit, but my 25% REITs helped to lift me into the positive. Most of the dividend stocks (Chevron, Verizon) were up significantly, which helped.

Value Investing Account: Allocation (remember I refocused this at the beginning of February):

  • 40% in individual value stocks I picked myself (2 each, 20% for each) – SBS and GILD
  • 20% USAA Market Index (my brokerage is USAA)
  • 40% in Vanguard Value Index fund

Another bad performance for the stocks that I picked myself. Down 2.5% for the month of April. The big losers were my two stock picks. It is becoming very clear that I am not a good stock picker (as most folks in the FIRE community can attest to). If I don’t see a major turn around in fortunes by the end of the year, I’ll just sell my stock picks and go to index mutual fund investing (like so many other folks). Again, this is more of a “fun money” account where I experiment.

The allocations are not too much “out of whack” so I don’t intend to rebalance until July (unless something major happens).


How did you do in April?


Mr. 39 Months

2 thoughts on “Status Update, May 2018”

    1. Well, it definitely looks like you are a better picker than I am.

      I read several books, tried to apply the value investing philosophy, but very little luck.

      Thanks for the link, it looks pretty interesting. Good luck on your FI journey. Any suggestions for the readers?

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