XIRR time!
This year we made almost 19% return on our investments. That's with a rather conservative target allocation of 65/35.
But...the even more conservative Vanguard Target Retirement 2025, with a target allocation close to 60/40, made 19.63%. We experienced a lot of cash drag because DH spent the WHOLE YEAR (and most of last year) announcing that stocks were overpriced and collapse was imminent. Sigh.
Thanks to that growth, we did hit a milestone this year. We've reached financial independence, in the sense that we *could* maintain our current levels of spending indefinitely even if our household ceased earning income. Statistically speaking, at least. So that's cool, and has been a definite source of stress relief as we navigate some hiccups in his job.
How are your financial goals shaping up at the end of 2019?
This year we made almost 19% return on our investments. That's with a rather conservative target allocation of 65/35.
But...the even more conservative Vanguard Target Retirement 2025, with a target allocation close to 60/40, made 19.63%. We experienced a lot of cash drag because DH spent the WHOLE YEAR (and most of last year) announcing that stocks were overpriced and collapse was imminent. Sigh.
Thanks to that growth, we did hit a milestone this year. We've reached financial independence, in the sense that we *could* maintain our current levels of spending indefinitely even if our household ceased earning income. Statistically speaking, at least. So that's cool, and has been a definite source of stress relief as we navigate some hiccups in his job.
How are your financial goals shaping up at the end of 2019?
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