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I didn't outperform the market. However, the Gibbons household had a good year with nice returns across our investments and significant progress towards our financial goals. I haven't figured out the weighted average, but here are the individual data points:
- 13.9% return on my company's PST plan
- 19.0% on my company's Roth 401K
- 17.5% on Mrs. Gibbon's 401K
- 19.0% on Mrs. Gibbons Roth IRA
- 22.85% on my ROTH IRA.
Each of these are heavily invested in index funds and/or target date funds. Not much in individual stocks, probably less than 1%.
I am not sure how to measure the return on our company stock options though.(without doing way more math than I care to these days lol - as an older engineer I've grown tired of doing math that is more informative than actionable.) That being said, we now make more each in year in maturing options than we do in base salary. We have 10 year option pipeline that grows each year as about 30% of my base pay comes as yearly options and about 15% for the Mrs. Each of our company stock has done quite well as of late.
We plan to retire in the next 5-10 years and will live the first 10 years solely off our passive incomes (options, rentals, and social security) quite comfortably without need to touch our nest egg. We are hoping this allows us to grow the nest egg to a point where we can pass along wealth to at least the next two generations of Gibbon's descendants. Our hope is this financial freedom will allow them to choose a path where they never need to work for a soul crushing company such as INITECH.
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