Tuesday, June 7, 2016

Retirement Accounts (Update) - June 2016

As our readers already know, our family has switched our focus towards diligently building our Dividend Stocks Portfolio and to some extent P2P Lending Accounts in an effort to build 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.


Since we see such little change in these accounts, we decided last summer to stop providing monthly reports of our retirement accounts. We've only posted 3 updates since.  So earlier this year, we've decided to do quarterly updates.  

Below is a quick update to show the current values of our retirement accounts at the end of the 2nd Quarter of 2016 as well as the monthly growth (although we do not post the results).  Please visit the RETIREMENT ACCOUNTS page on our blog to see our retirement savings journey!

Cash Value of Pension
June value: $246,599
May value: $244,570
April value: $242,512
March value: $239,650
February value: $237,730
January value: $236,189

Total value of 457K
June value: $122,111
May value: $121,170
April value: $119,986
March value: $112,765
February value: $112,991
January value: $118,761

Roth IRAs
Total value of Roth IRA accounts 
June value: $58,467
May value: $57,922
April value: $56,696
March value: $53,940
February value: $53,517
January value: $55,747
This past quarter was a nice quarter as our retirements accounts saw pretty nice gains. Overall, our three retirement accounts saw an increase of 5.1%. This was a $20,822 gain from our March total of $406,355

Currently, the total amount of our retirement accounts is valued at:

Click below to view retirement accounts page


  1. Just started P2P Lending with Lending club as an investor and I am waiting to see what the returns will be over an extended period of time. It seems like I could do better picking a few stocks NKE, SBUX, DIS, etc. But I'll have to experiment with it.

    1. Best of luck with your new P2P venture. It certainly beats a traditional savings account but I guess that's not saying much. Of Lending Club and Prosper, I have to say I would choose Prosper based on our experience. Although Lending Club may come out better than before, they are going through some internal challenges.

      Best wishes and success with your personal journey! AFFJ

  2. Hi AFFJ,
    Looks like great progress on the retirement accounts.
    Like you I also separate my Retirement/IRA accounts from my taxable investments and rarely write about them since they're intentionally boring!

    Best wishes,

    1. It's nice to see the balances of tax-deferred and non-taxed retirement accounts separately.

      As for them being boring, I like my retirement accounts to be boring also. 😉 Unlike our dividend stocks portfolio, which we view simply as extra cushion to our retirement plan, these accounts must be boring! 😊

      Thanks for stopping by and commenting. AFFJ

  3. All of them are in an upward trend. Great job. Looks like you solidified $400K mark now. :)

  4. Congrats on passing $400k. All of your accounts finished the month up. Nice work, especially considering May was a rocky market month.

  5. AFFJ -- thanks for sharing the update. You're making great progress here -- keep up the good work.

    FerdiS, DivGro