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A Continuation Of My 43 Year Old Daughter's Retirement Savings Journey And The Composition Of Her 4 Portfolios.  Is She On Track For Retirement?

Summary

My 43 year old daughter's four retirement portfolios detail composition are shown.

Growth of assets over lifetime.

Retirement income estimate age 65 to 93.

In this blog I will show you my 43 year old daughter's portfolios and forecast retirement income.

TOTAL RETIREMENT SAVINGS

This is her Taxable portfolio. All the stocks were gifted to her by me since I retired in 2014. Any new contributions will only be by stock gifts. A full position currently would be about $850.

The high yield stocks in this taxable account have been sold to reduce the 23 years of tax on dividends and lower over all performance. Also each year these stocks are sold to fund $6,000 to her Traditional IRA and then it is rolled over to the Roth IRA the next day.

TAXABLE ACCOUNT - 21 Stocks
Symbol Description Quantity Last Price Current Value Total Gain/Loss Dollar Total Gain/Loss Percent Cost Basis Total
CASH Cash 219.45 $1.00 $219.45 n/a n/a n/a
AAPL APPLE INC COM  3.024 $323.87 $979.38 $424.53 76.51% $554.85
ABT ABBOTT LABORATORIES 18.055 $89.16 $1,609.78 $1,083.86 206.09% $525.92
ADBE ADOBE INC COM 3 $356.74 $1,070.22 $624.22 139.96% $446.00
ALGN ALIGN TECHNOLOGY 5 $262.89 $1,314.45 $515.22 64.46% $799.23
AMZN AMAZON.COM  2 $1,870.68 $3,741.36 $2,017.04 116.98% $1,724.32
BABA ALIBABA  9 $208.58 $1,877.22 $1,163.44 163.00% $713.78
CINF CINCINNATI FINANCIAL 8 $106.80 $854.40 $608.72 247.77% $245.68
FB FACEBOOK  13 $209.53 $2,723.89 $1,130.70 70.97% $1,593.19
HD HOME DEPOT  2.153 $232.79 $501.19 $421.48 528.70% $79.72
JNJ JOHNSON &JOHNSON  8.099 $150.36 $1,217.76 $480.89 65.26% $736.88
LK LUCKIN  10 $36.40 $364.00 $13.65 3.90% $350.35
MA MASTERCARD  8.7 $324.46 $2,822.80 $1,884.38 200.80% $938.42
MCD MCDONALDS  12.627 $216.18 $2,729.70 $1,664.22 156.19% $1,065.48
MDLZ MONDELEZ  31.723 $58.80 $1,865.31 $1,021.59 121.08% $843.72
MO ALTRIA GROUP  19.562 $48.00 $938.97 $595.99 173.76% $342.99
MSFT MICROSOFT  4.128 $172.78 $713.23 $404.15 130.75% $309.09
PYPL PAYPAL HLDGS  7 $117.12 $819.84 $362.85 79.40% $456.99
SBUX STARBUCKS  5.332 $85.84 $457.69 $236.46 106.88% $221.24
SQ SQUARE INC  13 $76.10 $989.30 $619.29 167.37% $370.01
V VISA INC COM  2.038 $208.21 $424.33 $288.42 212.22% $135.91
WMT WALMART INC  6.389 $116.58 $744.82 $397.20 114.26% $347.63
TOTAL $28,979.09

The next table is her Roth IRA full position currently would be about $1,000.  The funds for the Roth contributions are from the sale of gifted stock.

ROTH IRA - 27 Stocks
Symbol Description Quantity Last Price Current Value Total Gain/Loss Dollar Total Gain/Loss Percent Cost Basis Total
ABBV ABBVIE INC  7 $81.78 $572.46 ($41.27) -6.72% $613.73
BR BROADRIDGE FINANCIAL 9 $129.46 $1,165.14 $74.43 6.82% $1,090.71
BURL BURLINGTON STORES  6 $218.28 $1,309.68 $346.12 35.92% $963.56
COST COSTCO WHOLESALE  3 $309.47 $928.41 ($2.82) -0.30% $931.23
CTAS CINTAS CORP 5 $283.20 $1,416.00 $323.45 29.61% $1,092.55
DOW DOW INC COM 13 $48.47 $630.11 ($61.08) -8.84% $691.19
DXCM DEXCOM INC 5 $238.93 $1,194.65 $614.91 106.07% $579.74
EEFT EURONET WORLDWIDE  7 $161.89 $1,133.23 $92.77 8.92% $1,040.46
FAST FASTENAL COM  27 $36.14 $975.78 $0.92 0.09% $974.86
HEI HEICO CORP 10 $123.11 $1,231.10 $209.15 20.47% $1,021.95
HQY HEALTHEQUITY  15 $68.92 $1,033.80 $25.05 2.48% $1,008.75
JKHY HENRY JACK &ASSOCIATES 8 $153.07 $1,224.56 $138.97 12.80% $1,085.59
KLAC KLA CORPORATION  6 $172.92 $1,037.52 ($0.60) -0.06% $1,038.12
MELI MERCADOLIBRE  2 $671.08 $1,342.16 $243.65 22.18% $1,098.51
MIDD MIDDLEBY CORP 8 $113.78 $910.24 ($196.23) -17.73% $1,106.47
MTCH MATCH GROUP I 15 $81.05 $1,215.75 $155.77 14.70% $1,059.98
NDSN NORDSON  7 $172.56 $1,207.92 $231.65 23.73% $976.27
NKE NIKE CORP 10 $98.19 $981.90 ($19.70) -1.97% $1,001.60
NOW SERVICENOW  3 $341.62 $1,024.86 $82.92 8.80% $941.94
SAIA SAIA INC COM 11 $91.16 $1,002.76 $287.88 40.27% $714.88
SHOP SHOPIFY INC 4 $476.88 $1,907.52 $902.41 89.78% $1,005.11
SSNC SS&C TECHNOLOGIES  17 $64.64 $1,098.88 $88.38 8.75% $1,010.50
TWLO TWILIO INC CL  8 $124.81 $998.48 ($33.51) -3.25% $1,031.99
TXN TEXAS INSTRUMENTS  8 $124.42 $995.36 ($14.32) -1.42% $1,009.68
VEEV VEEVA SYS INC  7 $150.25 $1,051.75 $75.76 7.76% $975.99
WCN WASTE CONNECTIONS  11 $97.94 $1,077.34 $38.17 3.67% $1,039.17
WEX WEX INC COM 5 $224.25 $1,121.25 $116.40 11.58% $1,004.85
TOTAL $29,788.61

The next table is her roll over savings from her previous employer. No new funds are being added to this portfolio. A full position currently would be about $2,000.

ROLL OVER TRADITIONAL IRA - 42 Stocks
Symbol Description Quantity Last Price Current Value Total Gain/Loss Dollar Total Gain/Loss Percent Cost Basis Total
CASH Cash 7.11 $1.00 $7.11 n/a n/a n/a
AAPL APPLE INC COM 12.96 $323.87 $4,197.35 $2,655.60 172.24% $1,541.76
ABMD ABIOMED INC  4 $186.85 $747.40 ($753.07) -50.19% $1,500.47
AMZN AMAZON.COM  4 $1,870.68 $7,482.72 $5,982.51 398.78% $1,500.21
AVGO BROADCOM INC 7.205 $315.20 $2,271.01 $120.46 5.60% $2,150.56
BABA ALIBABA GROUP 9 $208.58 $1,877.22 $88.42 4.94% $1,788.80
BMY BRISTOL-MYERS SQUIBB 30 $63.81 $1,914.30 ($29.60) -1.52% $1,943.90
BRKB BERKSHIRE HATHAWAY 12 $227.88 $2,734.56 $905.60 49.51% $1,828.96
CMCSA COMCAST CORP 42.491 $44.14 $1,875.55 $27.40 1.48% $1,848.15
CNC CENTENE CORP  12 $63.52 $762.24 ($38.19) -4.77% $800.43
D DOMINION ENERGY INC  23.774 $86.48 $2,055.97 $308.55 17.66% $1,747.43
DG DOLLAR GEN  13.487 $156.99 $2,117.32 $1,036.90 95.97% $1,080.42
DIS DISNEY WALT  15.925 $137.81 $2,194.62 $558.11 34.10% $1,636.51
FB FACEBOOK INC- 13 $209.53 $2,723.89 $889.20 48.47% $1,834.69
GOOG ALPHABET INC  3 $1,455.84 $4,367.52 $2,691.37 160.57% $1,676.15
HD HOME DEPOT 9.279 $232.79 $2,160.05 $1,236.77 133.95% $923.29
INGN INOGEN 4 $45.28 $181.12 ($642.75) -78.02% $823.87
ITW ILLINOIS TOOL WORKS INC  11.647 $177.90 $2,072.00 $1,100.63 113.31% $971.37
JNJ JOHNSON &JOHNSON  15.818 $150.36 $2,378.39 $963.72 68.12% $1,414.67
JPM JPMORGAN CHASE & CO  18.252 $135.89 $2,480.26 $433.10 21.16% $2,047.16
KMI KINDER MORGAN INC  84.752 $21.42 $1,815.38 $157.76 9.52% $1,657.63
LK LUCKIN COFFEE 32 $36.40 $1,164.80 ($330.25) -22.09% $1,495.05
LMT LOCKHEED MARTIN CORP  7.901 $435.90 $3,444.04 $2,013.28 140.71% $1,430.77
MA MASTERCARD  8.474 $324.46 $2,749.47 $2,048.98 292.51% $700.49
MO ALTRIA GROUP  38.732 $48.00 $1,859.13 $264.57 16.59% $1,594.57
MSFT MICROSOFT  35.107 $172.78 $6,065.78 $4,548.08 299.67% $1,517.71
NVDA NVIDIA CORP 7.03 $245.81 $1,728.04 ($44.28) -2.50% $1,772.32
O REALTY INCOME  22.246 78.98 $1,756.98 $939.40 114.90% $817.59
PEP PEPSICO INC 19.397 $143.83 $2,789.87 $1,152.13 70.35% $1,637.74
PM PHILIP MORRIS  23.034 $84.33 $1,942.45 $302.79 18.47% $1,639.67
PSX PHILLIPS 66  19.593 $96.41 $1,888.96 $488.54 34.89% $1,400.42
PYPL PAYPAL HLDGS  16 $117.12 $1,873.92 $427.80 29.58% $1,446.12
ROST ROSS STORES  16.226 $114.18 $1,852.68 $990.57 114.90% $862.11
SBUX STARBUCKS  25.669 $85.84 $2,203.42 $1,024.76 86.94% $1,178.67
SIVB SVB FINL  5 $248.14 $1,240.70 ($338.95) -21.46% $1,579.65
SQ SQUARE INC  18 $76.10 $1,369.80 $83.10 6.46% $1,286.70
SWK STANLEY BLACK & DECKER 15.224 $165.16 $2,514.39 $1,013.63 67.54% $1,500.77
TCEHY TENCENT  36 $49.08 $1,766.88 ($21.84) -1.22% $1,788.72
TD TORONTO DOMINION  44.403 $55.92 $2,483.01 $935.88 60.49% $1,547.14
TJX TJX COS INC  32.356 $60.50 $1,957.53 $161.12 8.97% $1,796.42
UNH UNITEDHEALTH  8.878 $280.98 $2,494.54 $1,549.81 164.05% $944.73
UNP UNION PACIFIC  9.15 $183.07 $1,675.09 $81.46 5.11% $1,593.63
V VISA INC COM  12.585 $208.21 $2,620.32 $1,750.36 201.20% $869.96
TOTAL $97,857.78

The next table is her company savings plan. It is one one that will determine what kind of retirement lifestyle that she will have. She contributes 15% of her salary and she gets a 5% company match. She is now also receiving an additional 5% since she has worked for her company more than five years. That brings the combined contribution rate up to 25% of her salary. 

WORK PLACE SAVINGS
Symbol Description Quantity Last Price Current Value Total Gain/Loss Dollar Total Gain/Loss Percent Cost Basis Total
COFYX COL CONTRAN CORE I3 1645.442 $27.98 $46,039.46 n/a n/a n/a
FFIZX FID FDM IDX 2040 IPR 9897.524 $18.38 $181,916.49 n/a n/a n/a
FSKAX FID TOTAL MKT IDX 892.567 $92.09 $82,196.49 n/a n/a n/a
TOTAL $310,152.44

ASSETS OVER LIFETIME TIME

EXPENSES

INCOME

ANNUAL RETIREMENT INCOME AGE 65 TO AGE 93 

Disclosure: I am/we are long all stocks listed.