If it makes it better, my return is -7% for the last year.
And, if you think this is my first year really saving money I think you can understand what I feel :).
If it is fine, I will post my allocation too here to receive critics - I also expect a face punch - but keep in mind it was my first year in the US, first time investing, still learning on what all the types of investment options mean.
If you will ask about the international exposure, I thought (and still think) that investing on only US "things" is not for me.
So I am ok with the international part of my funds, I am curious if I did something else wrong :).
I realized after some time that some of the funds below are almost the same thing, I will try to consolidate those in only one, the one with the smallest cost.
Please let me know if I should open my own thread about this.
Beginning balance $0.00
Net transactions $19,976.86
Investment return –$1,351.98
Ending balance $18,624.88
Fund Quantity Price Current balance Current investment mix Expense ratio
My company Stock Fund 3.825 $574.48 $2,197.39 11.80% 0
Target Retirement 2045 Trust I 51.145 $39.60 $2,025.34 10.87% 0.07%
Vanguard Explorer Fund Admiral Shares 44.957 $65.96 $2,965.37 15.92% 0.36%
Vanguard FTSE Social Index Fund Institutional Shares 132.839 $12.05 $1,600.71 8.59% 0.15%
Vanguard Institutional Index Fund Institutional Shares 14.945 $171.91 $2,569.19 13.79% 0.04%
Vanguard Retirement Savings Trust III 1,771.430 $1.00 $1,771.43 9.51% 0.37%
Vanguard Total Bond Market Index Fund Institutional Shares 165.201 $10.73 $1,772.61 9.52% 0.06%
Vanguard Total International Stock Index Fund Institutional Shares 24.346 $88.18 $2,146.83 11.53% 0.12%
Vanguard Windsor II Fund Admiral Shares 29.008 $54.33 $1,576.01 8.46% 0.28%
