Christmas day - new tradition (series 3 of 10)

Dec. 25, 2019

Introduction

It is my new tradition in Christmas day. I like to review my investment account, and then think about what I should do next at the end of 2019. I like to work on my Par Tech 401 K plan, I had the account starting from 2007, and my original investment is $8000 US dollars. Blogs are found using keyword 401 K, link is here. I like to spend 30 minutes to review my portfolio.

Par 401 K 

I like to present the return, and also spend time to explore Charles Schwab all funds performances in my retirement plan.

What I like to do is to review all available funds in the 401 K plan, and I like to check the return in 2019.

Here is the statement of Sept 30, 2019.

Asset allocation

31% bonds, 28% large capital, 21% small capital, international 12%, special 8%

Personal performance

Here is performance provided by Charles Schwab.

Interest paid $62.25, dividends/ capital gains $185.32, market change is $354.08. The return is close to $600 US dollars.

More reports 

The website is designed by biggest brokerage firm in USA. So it is the first time I will review the features in this website.

Net positions
Cumulative returns
PRR Barchart
PRR Table 1
PRR Table II
Investment Summary
Balance History
Allocation history

PRR Barchart
There are four options, standard, yearly, quarterly, monthly.

Q1 2019   01/01/2019-03/32/2019 PRR 1.17%
Q2 2019   04/01/2019-06/30/2019 PRR 1.47%
Q3 2019   07/01/2019-09/30/2019 PRR 1.13%

Jan          0.56%
Feb         0.15%
March    0.45%
April      0.42%
May      -3.46%
June       4.66%
July        0.74%
August  -0.68%
Sep         1.08%
Oct         1.69%
Nov        1.94%

PRR table 

PRR table II

Here is the table. 

Allocation history 

April 27, 2019

May 1, 2019

It is such great feature to look up daily balance. 

Allocation by asset class

Activity details by position

Actionable Items

I put together a complicated portfolio in May 2019. My return is 9.70%.

One of ideas is to push myself to take more risk, but then I will have to catch up more investment when bear market hits in 2020.

Here are highlights:
1. Make sure that I download all statements in 2019. Check in my Github personal finance folder.
2. I have to read each statement, and ask at least three questions in each statement; What I do not know, what I should look into.
3. Understand my asset allocation right now, it is 30% bond, 70% equity.
4. Wait until Dec. 30, 2019 for the last statement in 2019.

There is no fee to rebalance. The Charles Schwab is the biggest brokerage firm in USA, and the website has very good performance analysis report.

As a project manager of my 401 K portfolio, I have to spend at least one hour to review the website, and then I should find out some problems in my portfolio, and then think about how to make improvement.

Here is the blog to show that 10 years from 2009 to 2019 capital preservation. I just could not believe that I do not think about or talk about my retirement fund 401 K 10 years. Living as a single person, I have so much challenge to manage my own finance. Ignorance and lack of self-learning is such a big issue over my adult life from 2001 to 2019.

Wechat post about my bias, holding grudge

April 19, 2019

Introduction

I have not posted anything on wechat over six months. I decided to post one related to my par tech 401 K review.

Wechat post

Here is the image of sharing.

Do not have bias on stock market

Here is the content I wrote in Chinese.

我在2007美国短暂工作一年， 401 K $8000 美元， 公司matches 800 美元。2008年掉了$3000 美元。卖了放在money market, 再也没有动过。12年过去了， 我也老了。重新看帐号， 联系401 K Charles Schwab, 重新调整不要钱， 随意调整。美国401 K 上市公司服务真好。比爹妈还要好。只有二十基金， TBRCX 2010 年到2019年翻了五倍。可惜我这二天才发现。感叹美国股的强大， 自己无知和懒惰。每个季度需要用爱心去看和分析自己401 K 帐号。我十二年偏见， 被解雇的心理创伤。年龄超过五十岁了， 慢慢学会珍惜自己拥有的。能说会读英文， 但是对股市的偏见和美国经济的失望让我体会到真实的人生。做好每一件平凡的事情， 检查每一个帐号。善待每一个人， 善待每一个工作和自己每一份金钱。一颗大树从一颗种子开始。我从此做一个节俭的人。仔细数算自己拥有， 消除偏见。