It has been over a month since I’ve looked at and posted about our retirement savings. While I know that we are buying shares at a lower cost that will inevitably go up, I still look forward to the day when I don’t have to post negative numbers.
Christy’s more conservative holdings in her Roth IRA are showing some safety. My balance was routinely $400-$8000 more than hers depending on the month. As of today, her balance is around $1,500 more than mine.
As I wrote when I started documenting our progress with our retirement, Betterment put Christy in a mix of 90% stock and 10% bonds, while I chose an all stock mix of 25% each of large cap, mid cap, small cap, and international.
I’ll be interested to see if I get my lead back once the market recovers.
When looking at what our balance used to be compared to where it is now, it equates to a difference of $242,638 less at 12% and $180,241 less at 10%. In either scenario we will still have enough to retire when I’m 62, just not at my $2 million goal.
| Investment | Deposit | Balance | Growth |
| Work 401k | $2,590 | $92,069 | -$18,194 |
| Roth IRAs | $2,000 | $27,463 | -$4,073 |