My Personal Finance Journey

Personal finance observation, musing and decisions in a journey toward financial independence by 2020 with at least $3 million.


By Topics

Overall:
0. About (10)
1. My Progress (139)
2. Car & Home (107)
3. Credit (138)
4. Banking (33)
5. Saving (49)
6. Investing (308)
7. Taxes (89)
8. Spending (74)
9. Misc (97)
A. Archive (49)



MONTHLY ARCHIVE

Feb 2014 (3)
Jan 2014 (6)
Jan 2012 (1)
Apr 2011 (1)
Mar 2011 (1)
Feb 2011 (1)
Jan 2011 (1)
Dec 2010 (1)
Oct 2010 (1)
Sep 2010 (1)
Aug 2010 (1)
Jul 2010 (1)
Jun 2010 (1)
May 2010 (1)
Apr 2010 (1)
Mar 2010 (6)
Feb 2010 (2)
Jan 2010 (7)
Dec 2009 (3)
Feb 2009 (4)
Jan 2009 (8)
Dec 2008 (1)
Jun 2008 (2)
May 2008 (2)
Apr 2008 (5)
Feb 2008 (3)
Jan 2008 (15)
Dec 2007 (32)
Nov 2007 (6)
Oct 2007 (8)
Sep 2007 (9)
Aug 2007 (24)
Jul 2007 (2)
Jun 2007 (1)
May 2007 (3)
Apr 2007 (4)
Mar 2007 (4)
Feb 2007 (13)
Jan 2007 (6)
Dec 2006 (3)
Nov 2006 (7)
Oct 2006 (7)
Sep 2006 (6)
Aug 2006 (4)
Jul 2006 (10)
Jun 2006 (1)
May 2006 (3)
Apr 2006 (2)
Mar 2006 (6)
Feb 2006 (6)
Jan 2006 (3)
Dec 2005 (1)
Nov 2005 (9)
Oct 2005 (8)
Sep 2005 (13)
Aug 2005 (25)
Jul 2005 (16)
Jun 2005 (17)
May 2005 (19)
Apr 2005 (20)
Mar 2005 (24)
Feb 2005 (23)
Jan 2005 (36)
Dec 2004 (40)
Nov 2004 (34)
Oct 2004 (17)
Sep 2004 (21)
Aug 2004 (59)
Jul 2004 (37)
Jun 2004 (31)
May 2004 (29)
Apr 2004 (52)
Mar 2004 (49)
Feb 2004 (49)
Jan 2004 (31)
Dec 2003 (48)
Nov 2003 (52)
Oct 2003 (29)
Sep 2003 (8)
Aug 2003 (5)
Jul 2003 (2)
Jun 2003 (2)
May 2003 (5)
Apr 2003 (2)
Mar 2003 (2)
Feb 2003 (3)
Jan 2003 (29)



 

2011 Year-End Update ($1,212,450)

Contributed by mm | January 2, 2012 4:57 PM PST

What a coincidence! S&P 500 ended the year of 2011 within 0.01% of where it was at the beginning of the year.

What it means for our household financial life is that while we had our fair share of the rollercoaster financial ride of the year, we barely received any return from our $1M-strong investment portfolio at year end (but fortunately we didn't lose either). Still, we saved our way toward a year-end net worth tally of $1,212,450 with an annual increase of $90,083, or 8.0%.

6418-annualnetworth.gif

And another view of our annual net worth changes -- it is a much choppier ride as we managed thru the financial market ups and downs in recent years.

6418-annualchange.gif

Admittedly, we missed our original 2011 net worth goal of $1.27M by a handsome margin. The original planning, of course, assumes a 5% return from our investment, which didn't happen. But we have been taking a long-term view toward investment and retirement planning. As long as we continuously feed more savings into our portfolio, and we prudently invest by taking measured risks, our long-term financial security can be expected.

One more chart of year-end balance sheet comparison:

6418-balancesheet.gif

Obviously, there are a lot of position movements during the course of the year. One major change I need to call out is the rapidly expanded "Fixed Income" line -- we invested over $300,000 into a guaranteed return pseudo-fixed income fund in China. (I've done thorough modeling on the issue and I'm convinced that we have very little downside but are guaranteed ~6.5% annual dividend plus modest capital appreciated opportunities.) Compounded with over 30% in cash (in money market accounts mostly), our portfolio still reflects a very conservative stand given the uncertainty of the market.

So, how did 2011 treat you?

This Post Has Received 105 Comments. Share Your Opinions Too.


RichUncle EL Commented on January 10, 2012

Obviously we all had modest or no gains in the stock market, so we can only count on what we saved, company match, and reinvestments to our accounts as a way to increase our bottom line. Compared with last year the beginning of this year my networth increased by about 10K. Small compared to your but I will look at improving this in 2012.


Valeriu Commented on January 16, 2012

Good luck with the Chinese fund! Hopefully it will make up for the incomplete net worth goal!


S. B. Commented on October 25, 2013

Whatever happened to this blog? I miss the net worth updates. Are you over two million yet?


Tammy Dillard Commented on December 28, 2013

Thanks for your insightful input! waiting for your new updates for 2013-14.


KennethCed Commented on February 28, 2017

wh0cd949169 artane Toradol Cheap Trecator buy prednisolone


Bennyanymn Commented on March 5, 2017

wh0cd630663 elimite cream buy retin-a fluoxetine buy methotrexate online anafranil rimonabant


Bennyanymn Commented on March 6, 2017

wh0cd760371 Cheap Acomplia buying torsemide PROMETRIUM


KennethCed Commented on March 8, 2017

wh0cd4401 Cheap Atarax cleocin benicar hct discount card


KennethCed Commented on March 8, 2017

wh0cd536263 stromectol online viagra for sale cafergot online crestor female viagra sale


TracyNuami Commented on April 24, 2017

wh0cd486926 continue reading cialis seroquel liquid formulation methotrexate crestor celexa retin a


Pillslob Commented on May 5, 2017

cialis discounts canada

tadalafil generic cialis

cheap cialis

cialis interactions


Sildenaflob Commented on May 5, 2017

purchase viagra while in gb

sildenafil

online viagra

the best generic viagra


Moiseslob Commented on May 5, 2017

get a cash advance

payday advances

online payday loan service

personal loans in windsor


Pillslob Commented on May 5, 2017

cialis for daily use trial

generic cialis

online cialis

uk brand cialis


EugeneOrert Commented on May 10, 2017

wh0cd149439 arimidex no rx clomid iui


Davidlob Commented on May 13, 2017

buy online viagra usa.

http://viagrabuytoday.com/ - online viagra

viagra generic

viagra pfizer generikum


TracyNuami Commented on May 14, 2017

wh0cd865210 Buy Atenolol proscar no rx buy augmentin


KennethCed Commented on May 15, 2017

wh0cd255923 flagyl oral ampicillin adalat


Andreylob Commented on May 18, 2017

cialis daily use bph

http://buycialisvjonline.com/ - cilais price

buy cialis

cialis 20 mg low price


Valerylob Commented on May 19, 2017

cialis 5mg different

cilais price

cialis generic

cheapest lily cialis


FrankHef Commented on May 21, 2017

viagra jellyfish sale uk

cheap viagra

viagra coupon

pilule viagra achete


Voicelob Commented on May 24, 2017

generique cialis par interne

cialis online

buy cialis online

click here cialis 100


Vasilylob Commented on May 26, 2017

generic equivalent viagra

http://viagrasoftrxtabs.com/ - cheap viagra

generic viagra

generic vega viagra


Demidlob Commented on May 27, 2017

generic cialis 10mg

http://buygvcialisonline.com/ - cheap cialis

generic cialis

cialis online with mastercard


Moiseslob Commented on May 29, 2017

cialis 20mg suppliers uk

http://cheapxcialis.com/ - discount cialis

buy cialis online

cialis buy cheap md tabs


http://buyqsymia.party Commented on May 30, 2017

qsymia generic


MichaelNub Commented on June 6, 2017

wh0cd877651 viagra soft viagra discount generic advair diskus


Agustinknona Commented on June 7, 2017

lull mattress reviews lull mattress reviews best lull mattress reviews
lull mattress review lull reviews lull mattresses reviews
lull mattress review lull mattress reviews 2017 lull mattresses reviews
posturepedic mattress reviews best sealy posturepedic mattress reviews sealy posturepedic mattress reviews
posturepedic mattress reviews sealy posturepedic mattress reviews sealy posturepedic mattress review
best sealy posturepedic mattress reviews sealy posturepedic mattresses reviews best sealy posturepedic mattress reviews
kingsdown mattress kingsdown mattress reviews consumer reports kingsdown mattress reviews consumer reports
kingsdown santana mattress review kingsdown santana mattress review kingsdown mattress reviews
reviews kingsdown mattresses kingsdown mattress reviews 2017 kingsdown santana mattress reviews

reviews lull mattresses lull mattress review reviews lull mattresses
lull mattress reviews reviews lull mattresses lull best mattress
lull mattress reviews lull mattress review lull best mattress
sealy posturepedic mattresses reviews sealy mattress reviews posturepedic mattress reviews
best sealy posturepedic mattress reviews sealy posturepedic mattress review sealy posturepedic best mattress
sealy posturepedic best mattress sealy posturepedic mattress review posturepedic mattress reviews
kingsdown santana mattress review kingsdown santana mattress review kingsdown santana mattress reviews
kingsdown mattress review kingsdown mattress review kingsdown mattress reviews consumer reports
kingsdown mattress kingsdown mattress review kingsdown mattress


Sergelob Commented on June 7, 2017

average retail price viagra

buy generic viagra

viagra

ems lanca generico viagra


Onrolob Commented on June 8, 2017

cialis canada purchases

http://buycialisyionline.com/ - generic cialis online

buy cialis online

generic cialis free


Corelob Commented on June 8, 2017

cialis perda de visao

http://buyacialisonline.com/ - buy cialis online

cialis 20mg

cialis di vendita


Ricklob Commented on June 8, 2017

cialis donn

generic cialis online

buy generic cialis

what are cialis pills


Onrolob Commented on June 9, 2017

purchase cialis online cheap

cialis

cheap cialis online

1buy cialis


Wesleylob Commented on June 9, 2017

my viagra store

generic viagra online

cheap viagra

acheter pas cher brand viagra


Moiseslob Commented on June 9, 2017

cialis coupon canada

http://buycialistonline.com/ - generic cialis online

cialis

cialis trial coupon


Ennielob Commented on June 10, 2017

cialis headaches remedy

cheap cialis

buy cialis online

we use it super active cialis


Moiseslob Commented on June 10, 2017

payday loan boca raton

payday loan payday loans

instant payday loans

payday advance winnipeg


Borislob Commented on June 10, 2017

sample viagra before buying

buy viagra

generic viagra

look here viagra generic


TracyNuami Commented on June 11, 2017

wh0cd533953 furosemide read full report revia buy tetracycline online without prescription


Innalob Commented on June 11, 2017

cialis prix discount suisse

cialis canada

online cialis

reviews cialis generic


Moiseslob Commented on June 12, 2017

installment loan application

payday loan or pay day loan

payday advance online

pay day lenders


AlfredCaf Commented on June 12, 2017

wh0cd986367 generic viagra without a prescription buy viagra order propranolol


Koiseslob Commented on June 13, 2017

buy viagra uk forum.

cheap viagra online

generic viagra

viagra cialis levitra kaufen


Vardellob Commented on June 13, 2017

click now buy cialis uk

generic cials

online cialis

only here buy real cialis


Vadimlob Commented on June 13, 2017

buy viagra in hua hin,

buy viagra

generic viagra online

azul generico viagra


Albertlob Commented on June 13, 2017

cialis for sale in usa.

cialis

cialis

cialis effet duree


reossy Commented on June 15, 2017

banks that give personal loans
loans for bad credit
payday loans no brokers no fees
loans for bad credit


Irishlob Commented on June 16, 2017

viagra 50 mg tablets

viagra online

generic viagra online

click here rx generic viagra


Natalob Commented on June 17, 2017

click now buy cialis online us

online cialis

online cialis

cialis generika packstation


Natalob Commented on June 18, 2017

try it pfizer cialis

cialis canada

buy cialis online

order cialis on line


JimmyTub Commented on June 18, 2017

Hand Spinner
Fidget Spinner
Hand Spinner
Finger Spinner
Fidget Cube
Fidget Cube
Fidget Spinner
Fidget Spinner
Finger Spinner


Varenlob Commented on June 20, 2017

sconto autentico viagra

online viagra

online viagra

order viagra osterreich


Iavalob Commented on June 21, 2017

cialis shop generik

online cialis

cheap cialis

cialis advertisement


Gfdddscape Commented on June 22, 2017

bad credit instant approval payday loans - https://paydayloansxxe.com/
payday loans online payday loans with ’


Fervfgkr Commented on June 22, 2017

buy cialis - http://cialisonlineanegeneric.com/
cialis online cialis online ’


Agustinknona Commented on June 23, 2017

casper beds review nest bedding reviews best twin mattress reviews
zotto mattress review latex foam mattress reviews memory foam matress review
bed with mattress review of ikea mattresses mail order mattress reviews
mattress best cheapest best mattress best mattresses world
best mattress sleep best rated mattress stores compare best mattress
best mattresses online best firm mattress out there best mattress buy online
best crib mattress best mattresses market best mattresses market
best overall mattress best beds mattresses best beds mattresses
best mattress rated best mattress manufacturers double mattress price

bellanest mattress reviews lucid memory foam mattress review memory foam mattress reviews consumer reports
sleep on latex review my pillows reviews natures sleep review
top mattress reviews best egyptian cotton sheets reviews yogabed review
mattress buy best mattress for best price best mattress for bad back
mattress price cheapest best mattress best mattress beds
best overall mattress best mattress makes best mattress rating
top 10 best mattresses 10 best mattresses the best bed to buy
what's the best mattress you can buy buying best mattress top ten best mattresses
mattress to buy best firm mattress out there top ten mattresses 2016


Beruklob Commented on June 25, 2017

how to take cialis 5mg

generic cialis online

cialis

cialis kaufen in hamburg


Gfvscape Commented on June 27, 2017

advance cash loan payday payroll - https://paydayloansbtf.org/
debt best personal loans bad credit ’


Garrylob Commented on June 27, 2017

la compra viagra en el uk

http://buyviaraerzonline.com/ - viagra coupon

buy viagra online

viagra tabletki


LddgcdThicy Commented on June 27, 2017

personal loans for bad credit - https://getipaydayloanquickloan.org/
quick payday loan no loans no credit check ’


LddgcdThicy Commented on June 27, 2017

personal loans for bad credit - https://getipaydayloanquickloan.org/
quick payday loan no loans no credit check ’


Valdaylob Commented on June 28, 2017

cialis online patika

generic cialis online

cialis online

cialis la france en ligne


MichaelNub Commented on June 28, 2017

wh0cd538510 cheap allbuterol generic xeloda where can i buy vermox proscar


VderCrefe Commented on June 30, 2017

texas title payday loans - https://personalloansrhu.org/
same day money loans online loans ’


Klmcape Commented on June 30, 2017

pls payday loan store - https://paydayloansrtha.com/
bad credit easy payday loan payday loans in ’


Violettalob Commented on June 30, 2017

viagra source or reputable

viagra cheap

generic viagra

generic viagra now


Sololob Commented on June 30, 2017

personal loan assam

http://soloadvance.com/ - cash advance

pay day loans

loans for a bad credit rating


Vladimirlob Commented on June 30, 2017

viagra news

buy generic viagra

order viagra pills

viagra shops aus osterreich


VercdGonee Commented on June 30, 2017

no fax no teletrack payday loans
bad credit loans andnot payday loan
payday loan in
payday loan and ’


Violettalob Commented on July 1, 2017

viagra generika ab

viagra cheap

online viagra

can you buy viagra superdrug


Vladimirlob Commented on July 1, 2017

viagra store in delhi

buy viagra online

cheap generic india viagra

bedd5st mail order viagra


Sololob Commented on July 1, 2017

cash loans sacramento

http://soloadvance.com/ - pay day loans

personal loans

real fast loans bad credit


Vasilylob Commented on July 1, 2017

achat viagra en ligne forum

viagra

viagra soft tabs

osta viagra online


Vasilylob Commented on July 2, 2017

we use it buy viagra usa

viagra

buy viagra

la viagra y el alcohol


Eugenelob Commented on July 2, 2017

viagra per ragazz

buy viagra

buy viagra

viagra cialis trial


Vayslob Commented on July 3, 2017

cialis erfahrung viagr

buy cialis

cialis online

acquisto cialis tadalafi


Makeklob Commented on July 3, 2017

importing generic viagra

generic viagra online

buy viagra

cost of viagra tablet in india


NnjWrado Commented on July 3, 2017

viagra 100mg dosage
viagra
lowest viagra price
generic viagra ’


Vladlob Commented on July 4, 2017

order cialis in usa

cheap cialis online

cheap cialis

uprima and cialis together


Vladlob Commented on July 4, 2017

get insurance cover cialis

cheap cialis

cialis

get prescription for cialis


Vladlob Commented on July 4, 2017

cialis cost

cialis generic

cheap cialis online

pastillas cialis barato


DavidEdgeT Commented on July 6, 2017

List of Safe Online Pharmacies
Canadian Pharmacy
Canadian Pharmacy
Prescription Drugs Online Without Doctor
online pharmacies that do not require a prescription


Jordanzen Commented on July 6, 2017

online pharmacy
Online Pharmacy
cvs online pharmacy
Online Pharmacy
Online Drugstores


Kevinmep Commented on July 7, 2017

online canadian pharmacy
Pharmacy Online
buy cialis no rx
Online Pharmacy
cvs online pharmacy


Jamesseimb Commented on July 8, 2017

best keno online gambling
Play Roulette Online
jackpot capital online casino
roulette online
best gambling places in the us


top gambling bonuses Jaf Commented on July 9, 2017

live casino online
online slots for free with bonus rounds
thailand gambling internet
online slots
vegas casino game for mac


BrntFreen Commented on July 10, 2017

viagra online generic - http://viagradae.com/
substitute viagra viagra online ’


StephenCes Commented on July 13, 2017

order viagra from china
how to order viagra online
how to order viagra online
order viagra online without prescription


JoshuaWaf Commented on July 13, 2017

buy vardenafil 20mg
vardenafil vs viagra
vardenafil 20 mg
vardenafil vs viagra


RonaldHew Commented on July 13, 2017

where to buy sildenafil citrate 100mg
sildenafil citrate 100mg buy
sildenafil 100mg buy online
sildenafil 100mg buy online


Agustinknona Commented on July 13, 2017

best crib mattress 2017 top mattresses 2017 best mattress in 2017
top 10 mattresses 2017 the best mattresses 2017 top 5 mattresses 2017
macy mattress sale 2017 top rated mattress for 2017 best mattress to buy in 2017
top mattress 2017 the best rated mattress 2017 best mattresses for 2017
top rated mattress for 2017 best memory foam mattress 2017 top rated mattresses 2017
caspers promo codes casper coupon code casper mattress coupon code
free leesa coupons codes leesa promotion code leesa coupons online
amerisleep promotion code amerisleep codes amerisleep bed coupon
coupon helix helix bed discount helix discount codes
winkbeds bed discount winkbeds promotion code winkbeds mattress promo code

best mattresses for 2017 top ten mattresses 2017 best rated mattress 2017
best mattresses 2017 best mattress to buy in 2017 best mattresses for 2017
top 5 mattresses 2017 the best mattress 2017 best mattresses in 2017
what is the best mattress 2017 top 5 mattresses 2017 top ten mattresses 2017
caspers promo codes casper bed discount casper com coupon code
free leesa coupons codes leesa promo code 75 print leesa coupons
free amerisleep coupons amerisleep find code amerisleep promo code 75
helix discount codes helix discount coupon helix promo
winkbeds coupon codes winkbeds coupons online winkbeds mattress coupon code


cipsecit Commented on July 14, 2017

direct loan lenders for bad credit
fast payday loans
private lenders for bad credit
small loans


sleeBy Commented on July 14, 2017

fast payday loans
payday loans online
where can i get a loan
payday loans


Trobnata Commented on July 14, 2017

social loans
quick cash
get cash today
loans online


cityday Commented on July 15, 2017

apply for personal loan with bad credit
personal loans
personal loans san diego
cash advance


order cialis mail Commented on July 17, 2017

generic cialis online buy
cheap brand cialis online
generic cialis cheap canada
buy cialis thailand
order real cialis


cityday Commented on July 18, 2017

american payday loans
emergency loans
payday loans mcallen tx
payday loans online


aftence Commented on July 19, 2017

unsecured personal loans
payday loans
need a loan now
payday loans online


Josephcoold Commented on July 22, 2017

cialis for sale
cialis cheap
order liquid cialis
cialis online
cialis buy online australia


BookerReuri Commented on July 23, 2017

can you buy viagra over the counter at cvs
viagra pills
do you get an instant erection with viagra
viagra pills
how long does it take for 50mg of viagra to work


appoic Commented on July 23, 2017

payday loan direct lenders
pay day loans
quick bad credit loans
quick cash advance online


LahFreen Commented on July 24, 2017

quick cash - https://cashadvance300nty.org/
loanmax title loan payday loans online direct lenders only ’


LionelMup Commented on July 25, 2017

buying cialis usa
tadalafil
best site buy cialis
cialis generic
order generic cialis online canada


Drogema Commented on July 26, 2017

viagra zarna
online viagra
what does viagra do to a woman
buy viagra


HjkLic Commented on July 26, 2017

online check advance
payday loans online
need payday loan today
payday loans online ’


Add Your Comments










Remember personal information?




(It will take a few moments for your comment to be published. Please do not close the window until then.)


Read More ... 152 Posts In The Same Category










This page was last rebuilt at July 26, 2017 07:08 AM PST. (294 Words)
 

RSS FEED





PERSONAL FINANCE BLOGS I READ

Consumerism Commentary
Get Rich Slowly
My Money Blog
All Financial Matters
The Simple Dollar






.



Copyright 2003-2014, PFBlog.com. All Rights Reserved. (Privacy Policy)