tag:blogger.com,1999:blog-1893129263573703047.post3779906518229236172..comments2024-03-28T00:13:55.918-07:00Comments on A Frugal Family's Journey: Retirement Accounts (Update) - June 2014A Frugal Family's Journeyhttp://www.blogger.com/profile/05093532273552790517noreply@blogger.comBlogger14125tag:blogger.com,1999:blog-1893129263573703047.post-6765586738908941072014-06-24T20:59:20.058-07:002014-06-24T20:59:20.058-07:00Thanks HHWG. All things considered, I definitely c...Thanks HHWG. All things considered, I definitely can't complain. :) Thanks for stopping by. AFFJA Frugal Family's Journeyhttps://www.blogger.com/profile/05093532273552790517noreply@blogger.comtag:blogger.com,1999:blog-1893129263573703047.post-70101696087925247842014-06-23T19:04:39.874-07:002014-06-23T19:04:39.874-07:00looks like a great month! thanks for sharing!looks like a great month! thanks for sharing!Happy Healthy and Wealthy Girlhttps://www.blogger.com/profile/16124107977507902031noreply@blogger.comtag:blogger.com,1999:blog-1893129263573703047.post-23811795414302342752014-06-22T21:38:09.475-07:002014-06-22T21:38:09.475-07:00Thanks...I do agree that you should consider looki...Thanks...I do agree that you should consider looking into dividend stock investing but I do want to clarify that with the exception of our Roth IRAs these accounts are not comprised of individual dividend stocks. For my 457K and most of my Roth IRAs, I mainly invest in ETF and Mutual Funds. <br /><br />Please feel free to visit our Dividend Stocks Portfolio page where we list the dividend paying stocks we own. This is a separate investment account we actively review and maintain. <br /><br />Thanks for stopping by...Cheers to your future dividends! AFFJA Frugal Family's Journeyhttps://www.blogger.com/profile/05093532273552790517noreply@blogger.comtag:blogger.com,1999:blog-1893129263573703047.post-39303369200659416842014-06-21T08:59:32.387-07:002014-06-21T08:59:32.387-07:00Great numbers. I really need to start harnessing ...Great numbers. I really need to start harnessing the power of dividends.Anonymoushttps://www.blogger.com/profile/11378658961997515035noreply@blogger.comtag:blogger.com,1999:blog-1893129263573703047.post-38395563434855770312014-06-17T22:12:04.995-07:002014-06-17T22:12:04.995-07:00FI Fighter - Yes, I'm certainly not complainin...FI Fighter - Yes, I'm certainly not complaining but I do wish for small corrections here and there to allow for more buying opportunities. :)<br /><br />To the bull run and to growing your net worth! AFFJA Frugal Family's Journeyhttps://www.blogger.com/profile/05093532273552790517noreply@blogger.comtag:blogger.com,1999:blog-1893129263573703047.post-55463499630057920792014-06-17T22:09:02.518-07:002014-06-17T22:09:02.518-07:00Believe me Evan, I do understand my pension value....Believe me Evan, I do understand my pension value. :) But the reality is that my pension is also my golden handcuff. :( Nevertheless, it is definitely a problem that I feel blessed to have. I know the days of pensions like mine are over and that I am the last of a dying breed. <br /><br />Thanks for stopping by. AFFJ A Frugal Family's Journeyhttps://www.blogger.com/profile/05093532273552790517noreply@blogger.comtag:blogger.com,1999:blog-1893129263573703047.post-21514604004666402352014-06-17T22:04:13.362-07:002014-06-17T22:04:13.362-07:00Thanks. I know this bull run won't last foreve...Thanks. I know this bull run won't last forever but I definitely enjoying it for now. Congrats in advance for reaching 5K in dividends. :) Keep re-investing and letting the compounding effect help push your sail! We just starting building our dividend stock portfolio about a year ago so we are probably a few years away from that accomplishment. <br /><br />Thanks for stopping by. AFFJA Frugal Family's Journeyhttps://www.blogger.com/profile/05093532273552790517noreply@blogger.comtag:blogger.com,1999:blog-1893129263573703047.post-34694150450051431062014-06-17T20:18:34.106-07:002014-06-17T20:18:34.106-07:00Awesome job building up the portfolio and that'...Awesome job building up the portfolio and that's quite a nice increase for this month! I'm kinda starting to like this bull market run ;)FI Fighterhttp://www.fifighter.comnoreply@blogger.comtag:blogger.com,1999:blog-1893129263573703047.post-5500682879816178532014-06-17T20:05:30.422-07:002014-06-17T20:05:30.422-07:00Jealous of your pension! I calculate retirement ru...Jealous of your pension! I calculate retirement runs for clients pretty often and it is AMAZING what even a little income will do to a portfolio since there is less pressure on it. <br />Evan @ My Journey to Millionshttps://www.blogger.com/profile/07645584077902238201noreply@blogger.comtag:blogger.com,1999:blog-1893129263573703047.post-38553593826191499992014-06-16T12:38:15.935-07:002014-06-16T12:38:15.935-07:00Good job increasing the portfolio, eventhough it w...Good job increasing the portfolio, eventhough it was all market based. It is still a good feeling to see it in the green. I hope to hit 5K in dividends this year, but it will all be reinvested back into the funds. I see it as a return is a return no matter what. Good luck. RIch Uncle ELhttp://www.moneywatch101.com/noreply@blogger.comtag:blogger.com,1999:blog-1893129263573703047.post-3398664791161758992014-06-14T10:47:14.617-07:002014-06-14T10:47:14.617-07:00Thanks DivHut. I still feel like I'm a tad beh...Thanks DivHut. I still feel like I'm a tad behind. Since I am in the process de-risking my portfolio, I may lose some of my projected dividends in the process. Hopefully, with my new purchases, I can offset any potential loss in dividends. <br /><br />Thanks for support. Cheers! AFFJA Frugal Family's Journeyhttps://www.blogger.com/profile/05093532273552790517noreply@blogger.comtag:blogger.com,1999:blog-1893129263573703047.post-32233864480089210882014-06-14T02:05:14.683-07:002014-06-14T02:05:14.683-07:00So far so good. Nice gain on your account values a...So far so good. Nice gain on your account values also I think at this rate you are well on your way to reach your goal of $2k for annual dividends from your portfolio as one of your states 2014 goals. Keep reinvesting those dividends. Thanks for sharing.DivHuthttp://divhut.comnoreply@blogger.comtag:blogger.com,1999:blog-1893129263573703047.post-16630048482189720412014-06-11T13:35:10.907-07:002014-06-11T13:35:10.907-07:00Andrew - From what I have heard and seen, Vanguard...Andrew - From what I have heard and seen, Vanguard is a great low-cost option for a deferred compensation plan (457K). We have LFG and PERS as our options here where I work. <br /><br />Regarding the cash value, and payout, you are correct. The true value of the pension is much greater than the cash value. As you already know, our defined benefit plan is based on years of service, age, and pay. For example, if I stay until 55 years of age, I am expecting to receive roughly 86% of my pay (single highest year). Even with the potential growth from my existing cash value, I'm very likely to outlive my cash value but will still continue to receive checks until I past. This is part of the reason why pension reform movement has been so strong in the recent years. <br /><br />As for pensions being a golden handcuff...they absolutely are! Especially given the new formulas recently adopted by many city and state agencies. Mathematically, it generally never makes sense to jump ship. :) AFFJA Frugal Family's Journeyhttps://www.blogger.com/profile/05093532273552790517noreply@blogger.comtag:blogger.com,1999:blog-1893129263573703047.post-83796421593169037992014-06-11T12:44:10.025-07:002014-06-11T12:44:10.025-07:00You guys are doing well! I work in government too...You guys are doing well! I work in government too and have a pension, 457 and Roth. No matching in the 457 but great low cost choices (I choose mainly Vanguard, same with my Roth). The cash value of my pension is pretty low, I'm not sure the cash value has as much to do with the payout. The pension is a bit of a golden handcuff...don't want to leave the job cause I want to get pension.Andrewhttp://www.livingrichcheaply.comnoreply@blogger.com