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.
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.
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