Sunday, September 7, 2014

Retirement Accounts (Update) - September 2014

For several years now, our retirement accounts have been growing at a decent pace...this year, however, the performance has been pretty anemic! I am still thankful that we are not losing money. But that is why our family has now decided to switch our focus towards building our Dividend Stocks Portfolio and P2P Lending Accounts so as to have optional income streams in retirement. Nevertheless, we will still continue to track these accounts as they are still part of our retirement plan.


Below is a quick update to show the current values of our retirement accounts as of September 1, 2014.  For a more comprehensive list of values (beginning January 2014) and details of these accounts, please visit the Retirement Accounts page on our blog.

September 1, 2014

Cash Value of Pension$204,298 ($1,502 increase from August total of $202,796)
Total value of 457K: $118,799 ($3,197 increase from August total of $115,602)
Roth IRAs
Total value of Roth IRA accounts: $54,549 ($1,659 increase from August total of  $52,890)
Overall, the month of July was a pretty decent month as all three of our retirement accounts saw increases.  In all, our accounts grew a total of $6,358 from the August 1, 2014 totals.  As it stands, the total amount of our retirement accounts is currently valued at: $377,646.
Click below to view retirement accounts page 



  1. Replies
    1. Tom - Thanks. Unfortunately, living in California, we are still far from FI and retirement. Happy with results nevertheless. Glad our blog has made me more accountable and thus I believe our progress has slightly benefits from that. :)

      Best Wishes! AFFJ

  2. I'd focus on the long term gain rather than looking at the short term ups and downs. You're doing great with your retirement accounts. That's a nice amount in your pension.

    1. Tawcan - you are the end of the day, what matters is the balances when I retire, not what they are right now. Given my timeline, dips in the market is a good thing because it offers opportunities to buy low. :)

      Thanks for stopping by and for your comment. Best Wishes! AFFJ

  3. AFFJ,

    Nice move up! Gotta love that.

    I see a big portion of your retirement accounts are based around the cash value of the pension. With the way things have been going with pensions over the last few years, do you have any concerns about its reliability/sustainability?

    Keep up the great work!

    Best regards.

    1. Jason - we sure do...that is actually why we have shifted our focus away from max funding these accounts as we have in the past and have concentrated more on our dividend stocks account, P2P accounts and other investments.

      We only fund these accounts to maximize our advantage and no more. For instance, we contribute to my 457K up to my employer match. And we also buy some of our dividend paying stocks through our Roth IRAs. Hoping some of these other pots of money will help cushion and future failures that may occur within my pension.

      Thanks for stopping by....wish you the best! AFFJ

  4. Replies
    1. Thank you HHWG - we are definitely happy to see these kinds of returns. Especially since these accounts are somewhat on auto-pilot and we don't really put forth much effort to maintain them. :)

      Thanks for stopping wishes! AFFJ