147 - How to Best Track Investment Returns
An episode of the Real Personal Finance podcast, hosted by Scott Frank and James Conole, titled "147 - How to Best Track Investment Returns" was published on April 13, 2022 and runs 15 minutes.
April 13, 2022 ·15m · Real Personal Finance
Summary
Scott and James discuss how to best track investment returns. Listener Question Does it make sense to track my investments in my 401K and Roth IRA purely off of the projected rate of return that people suggest (typically between 7-10%) or should I track my investments based on the inflation-adjusted return rate? I am asking this as a 23 year old, who sees a million dollars as a very attainable goal with a Roth and/or 401K but when you factor in inflation each year at say 3% that million dol...
Episode Description
Scott and James discuss how to best track investment returns.
Listener Question
Does it make sense to track my investments in my 401K and Roth IRA purely off of the projected rate of return that people suggest (typically between 7-10%) or should I track my investments based on the inflation-adjusted return rate? I am asking this as a 23 year old, who sees a million dollars as a very attainable goal with a Roth and/or 401K but when you factor in inflation each year at say 3% that million dollars seems more challenging to accomplish.
Should I track my portfolio values off of this “standard” 7-10% growth rate or should I take a more conservative approach and track them off of a (4-7%) growth rate so that I can have a better understanding of what I am on track for?
Planning Points Discussed
- Utilizing Time Efficiently
- Capital Appreciation
- Purchasing Power
- Other issues (IRAs, Inflation, Financial Goals, etc.)
Timestamps:
3:54 - Nominal v. Real Returns
6:37 - Investment Growth Example
9:35 - Inflation Protection
11:46 - Importance of Real Return
13:51 - Aligning Your Financial Goals
LET'S CONNECT!
James
Scott
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