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October and November 2011

December 3rd, 2011 at 03:01 pm

October
Cash & Savings: $79,276 => $82,307 (3.82%)
Foreign Currency: $33,547 => $33,547 (0%)
US Brokerage: $144,855 => $155,566 (7.39%)
Overseas Brokerage: $85,168 => $90,477 (6.23%)
401(k): $68,912 => $71,345 (3.53%)
IRA: $81,872 => $87,046 (6.32%)
Roth IRA: $22,115 => $23,011 (4.05%)
Total Assets: $515,745 => $543,299 (5.34%)

November
Cash & Savings: $82,307 => $87,256 (6.01%)
Foreign Currency: $33,547 => $33,549 (0.01%)
US Brokerage: $155,566 => $163,531 (5.12%)
Overseas Brokerage: $90,477 => $85,873 (-5.09%)
401(k): $71,345 => $71,751 (0.57%)
IRA: $87,046 => $87,489 (0.51%)
Roth IRA: $23,011 => $21,802 (-5.25%)
Total Assets: $551,251 => $551,251 (1.46%)

Contrary to the continuous pessimism and dreadfull feeling I have October actually went quite well with all categories going up between 3 to 7 percent. However, November is a mixed bag and if not because of the bonus I received in mid month I probably will have less money than a month ago.

I'm going to invest a lot of my cash into a new scheme on currency trading and hopefully that can make me diversify from just stocks. Also I'm considering moving all my Australian dollars into buying an Australian Dollar denominated bond fund.

Looking at my January entery 2011 doesn't look very bright - my cash position including foreign currency increased a bit and US brokerage account also increased by $35,000, 401k didn't change much, IRA and Roth both lost a lot of money. As of November, my total asset increased less than $44,000 when a personal loan of $15,000 is included. This just proves that I need to be more conservative and more selective going forward.

2 Responses to “October and November 2011”

  1. snafu Says:
    1322939325

    Suggest examining potential of OZ, Exchange Traded Bond Fund into account.

    American artificially low interest rate is expected to hold for two years. Will it be longer? Currently the bankers are banging their heads and creating/raising fees for anything they can think of. The spread between prime and CC is c-r-a-z-y for those with lower FICO

  2. Easy Cloud Says:
    1323085621

    What's OZ? Australian Bond ETF?

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