I thought I’d take a peak at my Roth IRA and see how it was performing.Â My wife and I have four primary retirement funds.Â I have a 403b through work, she has a pension plan through her work, and we both have Roth IRAs.Â I’d breakdown my investment philosophy thusly:
Pension Plan:Â My wife’s plan will provide guaranteed retirement income, so, no real worries here unless she were to change jobs or get sick.
403b: I’m pretty aggressive with my 403b investments.Â I invest in a small cap mutual fund, an international growth stock fund, and a REIT.
Roth #1 (My Wife’s):Â In this account, we stick to “safe” index-based ETFs.
Roth #2 (My Roth):Â In this account, I invest in single stocks, trying to buy stocks that have a dividend and / or appear to be “good values”.
(I’m not an investment professional, and I would NEVER give investment advice.Â I’ve read several books on investing, and every time I read a book, I think, “NOW I understand!”.Â Then, I read another book and I completely change my mind!Â The above breakdown represents what I’m doing TODAY.Â By tomorrow, I may change my mind and become more conservative, or, conversely,Â I might change my mind and become much more aggressive.Â Honestly, my main goal at this point is to save as much as I can, upfront, and learn as I go along.
Here’s the current chart for my Roth IRA, Roth #2:
As you can see, I purchased 60 shares of PEP (Pepsico) in April.Â Since then, the price of the shares has gone up, which is always a bonus.Â I’ll update this account, and the others, from time to time.