Net Worth Update: August 2017

Edited Photo. Source: Flickr - D Mott

Well, things wobbled a bit this month. In North Korea we've got the chubby kid flexing his muscles after the first week in a gym; down south a hot-head and arguably racist president leads the worlds biggest economy; and in our biggest city we've got what's looks increasingly like a serious housing market implosion under way.

For the first time in months, a few of my positions hit their triggers to sell. After a few days I bought into new positions according to my plan, but the last two weeks have admittedly been the most time I've spent in my brokerage account maybe all year.

We are still heavily invested in currency-hedged U.S. stocks, but have toned down exposure a bit. Emerging markets are still looking nice – some more money got tossed there. I also entered a position with exposure to gold. By the end of it all, we inched ahead again.

In July, we finished the month with a total of $587,310 in our investment accounts after a really good month.

This month we made a regular contribution to our joint Cash/Margin account. Dedicated, regular saving is the key to success in any retirement plan!

I hope through sharing our real numbers, you will be inspired to start saving and investing young – it pays!

The Current Numbers

Here are our current Investment Assets as of the last trading day in August. We invest in TFSAs, RRSPs, and a joint Cash/Margin Account. We use a trend investing strategy to determine what we buy and when we sell our positions.

January 1 of the current year is in brackets to help illustrate the change during the current year. Net Worth Change reflects the total increase/decrease of this past month including new contributions.

The Investment Return is the total year-to-date return on our investment positions. The additional value of contributions are not included in this number.

Total Investments:  $594,843  ($441,813)

Net Worth Change:  +$7,533

30x Rule Safe Annual Income:  $19,828  ($14,727)

YTD Investment Return:  20.5%

Background Story

My wife and I are 20-something professionals working in the public sector. We don't earn enormous salaries, but by keeping our spending under control we save a large portion of our incomes each month. Our Investment Assets are 100% the result of our own hard work and the return on investments; we have not received any gifts or won any lotteries.

While we both work in pension careers, for this purpose we don't include pension values in our net worth nor pension contributions in our savings. Our investment assets and contributions are from our net paycheques.

We invest primarily with index ETFs using a trend strategy that I personally developed and maintain. To keep our investing costs as low as possible, I use Questrade as my online brokerage – they do not charge trading commissions for purchasing any ETFs. Where index ETFs are not liquid enough for a position size, I am open to using highly liquid stocks which have a close beta to their sub-index.

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