Monday, May 18, 2015

Retirement Accounts (Update) - May 2015

As our readers already know, our family has switched our focus towards diligently building our Dividend Stocks Portfolio and P2P Lending Accounts in an effort to building additional income streams for retirement so we don't have to solely rely on the typical retirement vehicles.

We will still continue to track are retirement accounts (pension, 457K, Roth IRAs) as they are still part of our retirement plan.  Plus, although they are mainly invested in mutual funds, we still need to keep an eye on them and re-balance them periodically.



Below is a quick update to show the current values of our retirement accounts as of May 1, 2015.  For a more comprehensive list of values and details of these accounts, please visit the Retirement Accounts page on our blog.

As of May 1, 2015

Cash Value of Pension$219,915
($1,421 increase from last month's update of $218,494)
Total value of 457K: $123,819
($1,515 increase from last month's update of $122,304)
Roth IRAs
Total value of Roth IRA accounts: $57,499
($866 increase from last month's update of $56,633)
Overall, the month of April was a good month. We saw an increase in all three accounts (pension, 457K and Roth IRAs). Any month where all accounts are in the green is a good month, right?!  

The overall gain from all three accounts this past month was $3,802. It basically translates into a .95% one-month gain.  Well, if we kept that up for an entire year, we would have an annual gain of 11.4%. :) So as it stands, the total amount of our retirement accounts is currently valued at: $401,233 (up from the $397,431 reported last month).  Feeling blessed to have crossed yet another milestone in our journey. 
** WOOHOO! $400K in our retirement accounts!! **
Click below to view retirement accounts page


We currently contribute to my 457K (up to my company's match - 3%) and also $200 each to a Roth IRA for both myself and my wife. Although we are not entirely happy with their growth, we still feel that the 457K and Roth IRAs should remain part of our retirement plan.  If for nothing more, the 457K and Roth IRAs will help supplement my pension. With some of the uncertainties around government pension these days, they could very well serve as back-up plans as well. 


  1. Congrats on the milestone! Its tough for us California residents to generate a lot of savings but it looks like you are doing very well.

    1. Thanks DivEmpire. It is a bit tougher here in CA with cost of living higher than some parts of the nation. For us, is has been magnified with just one income. Still waiting for my wife to go back into the workforce (maybe later this year - fingers crossed). But when she does, we will be moving full steam ahead!

      Best Wishes. AFFJ

  2. Congrats on the $400K mark, $500K is around the corner! Keep up the great work, even though you are not happy with the growth, slowly but surely wins the race. Good luck on your journey, I will be following your success!

    1. Thanks FFF. We are certainly seeing the compounding effect more and more. Even then, $500k is likely a few years away still, unless my wife goes back to work later this year. 😊

      Thanks for following us in our journey...its followers like yourself that help provide us with the little extra incentive and motivation to succeed. Thanks! AFFJ

  3. Congrats AFFJ. 400 k Milestone!!! WOOHOO!! I'm happy for you bud. Many milestones to come. You've got your whole life ahead of you bud. Make your family proud. Thank you for sharing and keep up the hustle. I'll be traveling this journey with you my friend. Cheers.

    1. Thanks DivHustler...we are trying to reach hustle status! haha

      Thanks for your support my friend. We hope you continue to follow our journey and be able to witness all of our milestones along the way. AFFJ

  4. Wow, you're nearly at half a mil, and that's just in your retirement accounts! That's some crazy money right there, congrats man! You're killing it, keep it up and you'll reach FI before you know it.


    1. Thanks for the kind words and encouragement...we still have a ways to go to reach FI, but must admit that we are blesse to be where we are today. With some discipline, consistent investing, and a little bit of luck almost anyone can do it though. The key is living on less than you make.


  5. AFFJ,

    Congrats on crossing another MONSTER milestone - over $400K is P H E N O M E N A L and looks like such a huge snowball, impressive to say the least. Keep it up and keep us in tuned with your performance and goals!


    1. Thanks for the kind words Lanny. Always nice to reach each milestone as they are reminders that we are still headed in the right direction. :) Thanks for the support and for following us on our journey.

      Cheers to reaching more milestones! AFFJ