2021 year end review

[rennigade]

How did everyone's portfolios make out for 2021? I'll post an update tomorrow when I have everything calculated.

[Singuy]

Account 1: 697k --> 926k
Account 2: 4.38M--> 6.11M
Account 3 : 198k--> 286k

~2M total gains for the year

Perhaps I have done the least transaction this year, and have sold 0 dollars in stocks.

[Jluke]

Investments up 222k since last year (40k of that was contributions in 2021)

[kork13]

Taxable brokerage: +12.4% (single stocks + a few MFs)
Roth IRAs: +17.8% (90/10 AA in 3-fund portfolio)
529s: +17.3% (100% VTSAX)
UTMAs: +23.2% (VTSAX + a couple super-cheap ($88) shares of DIS)
TSPs: (not posted yet with the year-end numbers, but probably in the +17-20% range)
Overall: +16.3%

Lesson: My brokerage where I've been playing around with single stocks & such: sucking it up. Better to let things alone, and leave it on autopilot.

ETA: Overall growth of our net worth was almost exactly +$300k for 2021, up 22.5% from 1 year ago -- a good year for us financially.

[rennigade]

We were up $343k for the year. Started at $1.366, ended at $1.710

Makes me feel better about splurging on a kitchen.

[disneysteve]

2021 was a monumental year for us. We lost my cousin in May which resulted in me inheriting his estate. I gave up trying to track the amount of the inheritance to the penny, but let's just call it $1.2M.

12/31/20 we had $1,624,972
12/31/21 we had $3,302,333

So our portfolio doubled in value. If the inheritance was $1.2M, that means growth and new contributions accounted for about 450K which seems about right since nearly half of the inherited money is still sitting in an estate cash account that I don't have access to yet so it's earned nothing. I hope to have those funds at my disposal in the near future so I can get that money working for us.

[skives]

Net worth went up from $424,459.18 to $562,389.32

[srblanco7]

Retirement accounts $2.33M to $2.76M (+18.7%) AA 74/26
Brokerage accounts $2.41M to $2.94M (+22.1%) AA 83/11/6
Total $4.75M to $5.7M (+20%) AA 78/19/3

Portfolio was up $950k for the year (includes contributions, which don't affect the numbers all that much). 529 accounts are not included and sit at about $163k ($100k for DS and $63k for DD who just completed her sophomore year).

[scfr]

Net worth is up 5.93% for the year.

We bought a house & a car (sold a used one, bought a new one). Non-financial assets (house + car) are now 17% of NW. In the past I've said I didn't want to go over 15% but I'm OK with where we are (see note below about house-buying process). In fact, I'm really happy we made both of those purchases!

Financial assets: Our asset allocation is still appropriate for us. Taxable & Tax-deferred are fairly evenly split (46% taxable, 52% tax-deferred, 2% tax-exempt). I don't know of any magic formula here, but we're getting close to retirement and I like that we have options.

We spent more on our house than we had planned when we started the hunt. We had over-saved over the years and at a point in the process we sat back and looked at the numbers and realized that we could go ahead and get more of what we wanted in a house. We are house people and homebodies. So hooray for over-saving (aka saving some extra without a specific goal) - we love our house! I have estimated that going for the "better" house means an extra 5% added to our expenses annually (especially higher property tax, but also maintenance & upkeep), so I also increased our retirement "number" by 5%. Financial assets are currently at 114% of that number, and we're still working. Our buffer isn't quite as big as it was before, but we still can absorb a market downturn, inflation, etc. as long as it's not too wild. And if it is wild, we'll make adjustments as needed.

So all in all, not a bad year financially speaking.

[disneysteve]

The other day, I tallied up the income generated by our taxable accounts as I needed to give that to our CPA in case we need to make an estimated tax payment.

Taxable investment income for 2021: $46,102.92

Today, I tallied up the income generated by our retirement accounts. There's no tax impact to that as they are all tax-sheltered accounts. I just wanted to know.

Retirement account investment income for 2021: $53,721.05

Grand total of $99,823.97 in income. There are a couple of smaller accounts not included in that total that I didn't bother to look at yet. I'll wait for the statements to come. So basically our portfolio threw off $100,000 in income last year. That's aside from any growth in the value of the underlying assets. At this point, it's all getting reinvested, but with retirement looming, I'm looking at these numbers with an eye to where our income will come from once the paychecks stop.

[LivingAlmostLarge]

LAL Roth up 16% (too much fvrr)
DH Roth 34%
401k 24%
taxable 54%

We saved about 40% of income. It was a good year. We probably can loosen up a little.