Sunday, April 28, 2019

Case study: My 401 K and IRA performance vs Vanguard total market index VTI ETF

April 28, 2019

Introduction


It is my personal finance research. I like to do a case study of my 401 K compared to VTI ETF performance.

Case study


Let me put all my deposit of 401 K into github for me to look up first.

I just could not believe that I have not done any research on 401 K portfolio research starting from 2002 to 2019. It is over two decades. I just could not believe that I have such difficulty to learn new thing on investment.

My 401 K and IRA managed by myself


Here are blogs by searching IRA CD on my blog. I put my IRA CD staying with New York community bank from 2006 to 2019, here is the blog.

1999 Atlantic Entertainment   $1880
2000 Atlantic Entertainment   $3610
2000 Trendium                         $650
2001 Trendium                       $5490
2004 IRA deposit                   $3000
2006-2007 Siva, par siva       $8000




I experienced two recession, 2002 and 2008. And I decided to pull all funds out of stock market in 2009. I just could not believe that my decision and I could not explain myself the behavior.

Facts:

1. I do not actively learn how to invest. I do not study my 401 K Par technology Charles Schwab account, I do not even know what funds are available for 401 K investor after 2009.

2. I do not pay attention to stock market, and I do not do any study on my 401 K fund performance at all from 2010 to 2019.

3. I do not question myself the way I manage the asset I have.

And VTI ETF performance is unbelievable.


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