How much have you made in the stock market since 2020?

[Anonymous]

30%, BUT that doesn't back out contributions to retirement accounts, and I'm too tired to do that right now.

[Anonymous]

I'm really impressed with a lot of the numbers here. Most of my stuff just doubled, and that was with regular contributions. I was pretty happy about it until now lol.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Roughly $900k, $1.2 grew to $2.1 excluding 529 returns which had a similar rate of return.

So you’re an active investor? Explain in greater depth how such returns have been realized in your 529 plans. This is mathematically impossible even if 100% of your plan was invested in an S&P 500 index fund. Furthermore, if you dollar cost averaged into the market over time, as most people do, this is even more impossible. Finally, most 529 plans limit the number of portfolio transfers to prevent active trading between mutual funds. So, again, enlighten us. Of course you can’t; this is just another DCUM tall tale troll that is too stupid to even fabricate realistic scenarios.

All 529s--we have three--are invested in Vanguard 500 Index Option. 1/1/20 balance was $290K and current balance is $491K. We made the decision to superfund in 2014/2015 and do not make monthly contributions. We also have access to one GI bill and will maximize the yellow ribbon program benefits. That's a 4 year ROI of 69.4% versus the previously market return of 72.9%. Not a troll.

Cool. So you’re both stupid and lucky? You superfunded a plan in 2014 which means you’ve had it for some named beneficiary for 10 years. This further suggests you’re investing currently with an 8-year time horizon and you’ve decided that going 100% all-in on equities with that short of a time horizon is the way to go. Especially when the market is greatly overvalued and prone to substantial dropping in the near-term…clueless. Your luck will run out within a matter of months.

Oh, BTW, thanks for providing your numbers and proving irrefutably that you’re spinning a story. Somehow you’re invested in a 529 index fund that has beaten the very index in question despite your paying of management fees.

DP: Nothing like digging in when you're shown to be wrong. And for a 529 btw it's not like you need all the funds the moment kids turn 18--they will go to 4 years of school and many parents also plan to fund grad school or future grandkids through the 529. Beneficiaries can be changed--jeez I know people who start 529s before they have kids.

[Anonymous]

Total portfolio was $2.3M on Jan 1 2020 and is $4.2M today, but some of that is contributions and not growth.

[Anonymous]

Huge imaginations on display in this thread.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Roughly $900k, $1.2 grew to $2.1 excluding 529 returns which had a similar rate of return.

So you’re an active investor? Explain in greater depth how such returns have been realized in your 529 plans. This is mathematically impossible even if 100% of your plan was invested in an S&P 500 index fund. Furthermore, if you dollar cost averaged into the market over time, as most people do, this is even more impossible. Finally, most 529 plans limit the number of portfolio transfers to prevent active trading between mutual funds. So, again, enlighten us. Of course you can’t; this is just another DCUM tall tale troll that is too stupid to even fabricate realistic scenarios.

All 529s--we have three--are invested in Vanguard 500 Index Option. 1/1/20 balance was $290K and current balance is $491K. We made the decision to superfund in 2014/2015 and do not make monthly contributions. We also have access to one GI bill and will maximize the yellow ribbon program benefits. That's a 4 year ROI of 69.4% versus the previously market return of 72.9%. Not a troll.

Cool. So you’re both stupid and lucky? You superfunded a plan in 2014 which means you’ve had it for some named beneficiary for 10 years. This further suggests you’re investing currently with an 8-year time horizon and you’ve decided that going 100% all-in on equities with that short of a time horizon is the way to go. Especially when the market is greatly overvalued and prone to substantial dropping in the near-term…clueless. Your luck will run out within a matter of months.

Oh, BTW, thanks for providing your numbers and proving irrefutably that you’re spinning a story. Somehow you’re invested in a 529 index fund that has beaten the very index in question despite your paying of management fees.

DP: Nothing like digging in when you're shown to be wrong. And for a 529 btw it's not like you need all the funds the moment kids turn 18--they will go to 4 years of school and many parents also plan to fund grad school or future grandkids through the 529. Beneficiaries can be changed--jeez I know people who start 529s before they have kids.

+1 We opened up VCSP 529 AND Rollover 529 plans in 2019 with our financial advisor. This has allowed us to make contributions to our state plan (VA), where we have 12 accounts and contribute $4K per account per year to get the maximum tax deduction. We superfund in February each year with part of DH’s bonus and then we initiate an in-kind transfer to our Rollover 529 a few months later. In the Rollover program we have access to pretty much any ETF or individual stock, so we’ve been able to make quite a bit more. Since 2019, we’ve contributed $288K. We’ve done well, as our current account balance is $916K. Probably can let it ride with no more contributions again and fully fund all our kids and grandkids college with it as it grows over the next 10-20 years.

[Anonymous]

Anonymous wrote:Huge imaginations on display in this thread.

Got into Tesla in 2020. I'm in a much faster stock right now. I never got the memo that I wasn't supposed to buy individual companies coupled with very high risk tolerance and many back-up plans.
I got into Novavax at $17 and someone here told me I was too late. It went over $200, maybe even $300. I sold it at $150. Can't get too greedy.
Every stock I bought in 2020 went up.

[Anonymous]

Let’s see:
Brokerage accounts up about $4.5M. Mostly due to one stock. This company was bought out so all realized gains. Tax man will get a 23.8% long term capital gain plus NIIT marginal tax rate unfortunately

Roth IRAs: up about $2M mostly from two stocks (same one as above plus a different one —no taxes)

529s: up about $150K to about $450K. Will use 9/11 GI Bill and Yellow Ribbon for 1st child who has been accepted to a T10 private college in New England

Spouse 401K up about $450K to $1.5M. TSP up about $200K to $1.1

We are 42 and 43 yo.

[Anonymous]

I don’t believe most of these posts. I guess that’s what happens when you can post “anonymously”.

[Anonymous]

Anonymous wrote:Our retirement plans have grown from $1.2M to $3.1M. Our taxable brokerage has grown from $40K to $371K. Our 529 plans have grown from $180K to $304K. Our HSA has grown from $117K to $261K. Taxes have been irrelevant for most of our accounts, so we’ve bought and sold countless ETFs and individual stocks in our tax-sheltered accounts to capitalize on all the fear-induced volatility. In our taxable brokerage, it’s been 50/50 short-term and long-term. We’ve cashed in on several short-term gains after doubling our money.

COVID has been the best thing to happen in the markets since the dot-com bust!! Best is that it’s not even over. Large-cap growth markets are so wildly overvalued right now that another 20% drop is inevitable. We have $2.5M in cash for the moment VUG drops to 250 per share. And then we’ll rake in another $1M in gains when it claws its way back to $350.

SO GLAD we converted our 401ks to Rollover IRAs in March 2020!!!! Allowed us to invest in so many more options to ride the volatility to massive success. Can’t wait to see where our NW stands when DH and I hit our 40s.

you're full of shit

[Anonymous]

Anonymous wrote:Let’s see:
Brokerage accounts up about $4.5M. Mostly due to one stock. This company was bought out so all realized gains. Tax man will get a 23.8% long term capital gain plus NIIT marginal tax rate unfortunately

Roth IRAs: up about $2M mostly from two stocks (same one as above plus a different one —no taxes)

529s: up about $150K to about $450K. Will use 9/11 GI Bill and Yellow Ribbon for 1st child who has been accepted to a T10 private college in New England

Spouse 401K up about $450K to $1.5M. TSP up about $200K to $1.1

We are 42 and 43 yo.

Keep working it, PP!! You’re not too far behind the eight ball. At this rate you’ll probably be on track to join the rest of us in UMC league by the time you reach your 50s.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Roughly $900k, $1.2 grew to $2.1 excluding 529 returns which had a similar rate of return.

So you’re an active investor? Explain in greater depth how such returns have been realized in your 529 plans. This is mathematically impossible even if 100% of your plan was invested in an S&P 500 index fund. Furthermore, if you dollar cost averaged into the market over time, as most people do, this is even more impossible. Finally, most 529 plans limit the number of portfolio transfers to prevent active trading between mutual funds. So, again, enlighten us. Of course you can’t; this is just another DCUM tall tale troll that is too stupid to even fabricate realistic scenarios.

All 529s--we have three--are invested in Vanguard 500 Index Option. 1/1/20 balance was $290K and current balance is $491K. We made the decision to superfund in 2014/2015 and do not make monthly contributions. We also have access to one GI bill and will maximize the yellow ribbon program benefits. That's a 4 year ROI of 69.4% versus the previously market return of 72.9%. Not a troll.

Cool. So you’re both stupid and lucky? You superfunded a plan in 2014 which means you’ve had it for some named beneficiary for 10 years. This further suggests you’re investing currently with an 8-year time horizon and you’ve decided that going 100% all-in on equities with that short of a time horizon is the way to go. Especially when the market is greatly overvalued and prone to substantial dropping in the near-term…clueless. Your luck will run out within a matter of months.

Oh, BTW, thanks for providing your numbers and proving irrefutably that you’re spinning a story. Somehow you’re invested in a 529 index fund that has beaten the very index in question despite your paying of management fees.

DP: Nothing like digging in when you're shown to be wrong. And for a 529 btw it's not like you need all the funds the moment kids turn 18--they will go to 4 years of school and many parents also plan to fund grad school or future grandkids through the 529. Beneficiaries can be changed--jeez I know people who start 529s before they have kids.

+1 We opened up VCSP 529 AND Rollover 529 plans in 2019 with our financial advisor. This has allowed us to make contributions to our state plan (VA), where we have 12 accounts and contribute $4K per account per year to get the maximum tax deduction. We superfund in February each year with part of DH’s bonus and then we initiate an in-kind transfer to our Rollover 529 a few months later. In the Rollover program we have access to pretty much any ETF or individual stock, so we’ve been able to make quite a bit more. Since 2019, we’ve contributed $288K. We’ve done well, as our current account balance is $916K. Probably can let it ride with no more contributions again and fully fund all our kids and grandkids college with it as it grows over the next 10-20 years.

WTF is a Rollover 529 plan? That’s not a thing.

[Anonymous]

Anonymous wrote:Our retirement plans have grown from $1.2M to $3.1M. Our taxable brokerage has grown from $40K to $371K. Our 529 plans have grown from $180K to $304K. Our HSA has grown from $117K to $261K. Taxes have been irrelevant for most of our accounts, so we’ve bought and sold countless ETFs and individual stocks in our tax-sheltered accounts to capitalize on all the fear-induced volatility. In our taxable brokerage, it’s been 50/50 short-term and long-term. We’ve cashed in on several short-term gains after doubling our money.

COVID has been the best thing to happen in the markets since the dot-com bust!! Best is that it’s not even over. Large-cap growth markets are so wildly overvalued right now that another 20% drop is inevitable. We have $2.5M in cash for the moment VUG drops to 250 per share. And then we’ll rake in another $1M in gains when it claws its way back to $350.

SO GLAD we converted our 401ks to Rollover IRAs in March 2020!!!! Allowed us to invest in so many more options to ride the volatility to massive success. Can’t wait to see where our NW stands when DH and I hit our 40s.

and you may gwt

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Roughly $900k, $1.2 grew to $2.1 excluding 529 returns which had a similar rate of return.

So you’re an active investor? Explain in greater depth how such returns have been realized in your 529 plans. This is mathematically impossible even if 100% of your plan was invested in an S&P 500 index fund. Furthermore, if you dollar cost averaged into the market over time, as most people do, this is even more impossible. Finally, most 529 plans limit the number of portfolio transfers to prevent active trading between mutual funds. So, again, enlighten us. Of course you can’t; this is just another DCUM tall tale troll that is too stupid to even fabricate realistic scenarios.

All 529s--we have three--are invested in Vanguard 500 Index Option. 1/1/20 balance was $290K and current balance is $491K. We made the decision to superfund in 2014/2015 and do not make monthly contributions. We also have access to one GI bill and will maximize the yellow ribbon program benefits. That's a 4 year ROI of 69.4% versus the previously market return of 72.9%. Not a troll.

Cool. So you’re both stupid and lucky? You superfunded a plan in 2014 which means you’ve had it for some named beneficiary for 10 years. This further suggests you’re investing currently with an 8-year time horizon and you’ve decided that going 100% all-in on equities with that short of a time horizon is the way to go. Especially when the market is greatly overvalued and prone to substantial dropping in the near-term…clueless. Your luck will run out within a matter of months.

Oh, BTW, thanks for providing your numbers and proving irrefutably that you’re spinning a story. Somehow you’re invested in a 529 index fund that has beaten the very index in question despite your paying of management fees.

DP: Nothing like digging in when you're shown to be wrong. And for a 529 btw it's not like you need all the funds the moment kids turn 18--they will go to 4 years of school and many parents also plan to fund grad school or future grandkids through the 529. Beneficiaries can be changed--jeez I know people who start 529s before they have kids.

+1 We opened up VCSP 529 AND Rollover 529 plans in 2019 with our financial advisor. This has allowed us to make contributions to our state plan (VA), where we have 12 accounts and contribute $4K per account per year to get the maximum tax deduction. We superfund in February each year with part of DH’s bonus and then we initiate an in-kind transfer to our Rollover 529 a few months later. In the Rollover program we have access to pretty much any ETF or individual stock, so we’ve been able to make quite a bit more. Since 2019, we’ve contributed $288K. We’ve done well, as our current account balance is $916K. Probably can let it ride with no more contributions again and fully fund all our kids and grandkids college with it as it grows over the next 10-20 years.

WTF is a Rollover 529 plan? That’s not a thing.

I am curious about this as well? What exactly is a “rollover 529”? I understand you can roll funds from one 529 plan to another (I’ve done this), but PP seems to be referring to something else.

Also which plans allow you to invest directly in stock and ETFs? I thought that wasn’t permitted by 529 plans by law.

[Anonymous]

$1.75 in Jan 2020.

$4.97 in March 2024