<< Back to all Blogs
Login or Create your own free blog
Layout:
Home > Archive: April, 2015
 

Archive for April, 2015

Fun with Spreadsheets and Pivot Tables

April 13th, 2015 at 01:33 am

I just spent the majority of this weekend working on a comprehensive financial spreadsheet tracking every single investment transaction I've made in 2015.

(I know, I know, I have NO life.)

I'm using GoogleFinance functions that dynamically update share price and market values, and I am having a blast using pivot tables to break out the data in a variety of ways. Behold the plots I've done so far --

Asset Allocation pie chart (excluding stock options) --



Asset Location bar chart showing asset classes in various tax buckets --



Which accounts and funds my investments have gone --



Cumulative timeline of this year's 401(k), IRA, and brokerage contributions --



And now I know that I'm $24,869.60 short on my target allocation for international equities. And I can also recall random Vanguard fund tickers with disturbing familiarity, heh.

1Q 2015 Checkup

April 10th, 2015 at 08:51 am

Quick snapshot of the financial situation as of close of business 9-Apr-15:

Cash: $16,297.63

Home: $169,378 minus ($129,766.66) mortgage = $39,611.34 equity

Car: $13,900

Investments: $749,901.40

- 401(k): $113,746.98
- Roth IRA: $115,696.03
- Rollover IRA: $65,449.31
- Rollover IRA Brokerage: $9818.84
- HSA: $1132.78 (currently in cash; need $2500 minimum balance to invest)
- Taxable: $149,983.61
- Stock Options: $294,073.85 vested (out of $504,931.90 total)

Net Worth: $819,710.37

In recent weeks/months, I've made the following adjustments to my portfolio:

- Swapped 20% of my 401(k) from Vanguard Institutional Index (VINIX) to Vanguard Extended Market Index (VEXAX) to approximate the Vanguard Total Stock Market Index (VTSAX, which I can't get directly in my 401(k)), and balanced my future contributions to be an 80/20 split.

- Seeded $11K from money market into a taxable VTSAX holding, and will henceforth be using that instead of my S&P500 holding, which I'm retiring.

- Increased my taxable investments from $400/week to $500/week -- because I got a raise and bonus at the end of last year, and what else am I gonna do with it? :P

- Killed my (brand-new Frown) traditional IRA. I apparently make too much money to take the deduction now.

- I want my domestic to international equities ratio to be 2:1, but I'm at 2.76:1 right now, so I'm aggressively rebalancing my AA more towards international without triggering taxes. All of my Roth IRA and 80% of my taxable contributions are going towards Vanguard Total International (VTIAX). If this approach is taking too long (e.g. if by next quarter that ratio has barely shifted), I might buy/sell within my Roth space, or rebalance my 401(k) contributions.

I set a goal in Mint where I called reaching $1M in assets (excluding home/car equity and HSA) "FIRE", and the projected completion date is sometime in 2017 (April 27 at the moment, but it jumps around a lot). I love the fact that market appreciation is actually dwarfing my (fairly substantial) monthly contributions. Go Go Gadget Compound Interest!