Tracking Our $1M Investment Portfolio Growth Annually
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Table of Contents
Savings aren’t Investments
This isn’t a deep write up but a simple breakdown of our household’s investments per year. We are on track with the Net/Max Couple plan. At our salary level, we are contributing 100% in our employer contribution plans i.e. 401k, as well as our ROTH IRAs, Health Savings Accounts, Group Investments and after-tax portfolio.
We are admittedly doing a lot but it didn’t start off that way (see below).
Our goal as of 2021 is to invest as much as $100,000 annually through all those means. The end point would be to retire at 55 (-ish) while establishing generational wealth for generations to come.
It’s important to say that Savings aren’t synonymous with investments, even though the words are used interchangeably at times. We use the Acid Emergency model so we keep the savings at our local bank no more than $2,500 per adult in the household and $5,000 per kid.
Keeping Investments Working to Generate More Money
The rest of our money is actively engaged.
We definitely recommend understanding that any asset growing at less than 2% is not growing at all due to inflation. There is always the inevitable question as to why is it possible? Or better yet, the exclamation, where can you even invest to day for 8%?
In truth, I don’t have the answers to solve all of life’s questions in an instant. I merely found that if you stick to a better financial order of operation, or the NetMax Budget ratio version 3 assumptions — It just works.
60% of millennials earning over $100,000 say they’re living paycheck to paycheck. It doesn’t have to be that way but people are choosing to leverage their earnings in debt. Without a plan or parameters, of course, people will live “paycheck to stress.”
My household is merely choosing not to play by those rules. Instead, we created our own way out.
Annual Investment Tracking Sheet
| Annual Take Home Income | Annual Expenses | Total Investment Balance | Growth/Loss in Dollar Value | Growth/Loss as a Percentage | |
| 2012 | $27,903 | $28,692 | $0 | -$5,000 | -100% |
| 2013 | $25,620 | $23,376 | $594 | +$594 | +594% |
| 2014 | $43,503 | $34,766 | $8,093 | +$7,499 | +1,262% |
| 2015 | $44,110 | $29,488 | $30,071 | +21,978 | +272% |
| 2016 | $41,721 | $25,995 | $68,938 | +$38,867 | +129% |
| 2017 | $44,666 | $37,271 | $98,315 | +$29,377 | +43% |
| 2018 | $50,062 | $34,917 | $122,713 | +$24,398 | +25% |
| 2019 | $57,478 | $35,335 | $206,753 | +$84,040 | +68% |
| 2020 | $89,480 | *$71,167 | $350,417 | +$143,664 | +69% |
| Est. 2021 | $100,000 | $45,000 | $500,000 | +$150,000 | +43% |
| Est. 2022 | $100,000 | $50,000 | $625,000 | +$125,000 | +25% |
| Est. 2023 | $115,000 | $50,000 | $750,000 | +$125,000 | +20% |
| Est. 2024 | $125,000 | $52,500 | $900,000 | +$150,000 | +20% |
| Est. 2025 | $125,000 | $55,000 | $1,050,000 | +$150,000 | +17% |
Investment Tracking Through PersonalCapital.com
Investments by Allocation
Bonus: Here’s what my household is working toward?
Closing out the year stronger
- Working on investing in the after tax portfolio to hit the total of $25,000 in M1 Finance Brokerage focused on Dividend Income that generates at least $1,000 in passive Income for starters in 2022. Check out the portfolio in real time. If you like the platform and want to start investing, I have the $20 for $20 referral if you need it – https://m1.finance/SYdqDJ2SyADC.
- Boosting back the EF savings with an additional $3,000. Keep tabs on your savings, cash flow, net worth, investments, retirement and more for absolutely FREE with Personal Capital! Sign up with my link & get $20 Amazon gift card. *Terms apply. https://pcap.rocks/lawrencegonz
- Getting back to shape – HIIT Mornings. Running, and biking just pushing out effort. I say it all the time but it’s still good. We did start HIIT workouts off of YouTube.
Disclosure: This post is brought to you by the Neighborhood Finance Guy. We highlight financial literacy information, resources, and more on your way to money management goals and personal wealth. Our goal is to help you make S.M.A.R.T decisions with our money. We do not give investment advice or encourage you to adopt a certain investment strategy. Your personal finance is up to you. If you take action based on one of our recommendations, we don’t earn a dime as of 5.2021. We operate independently.
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