10 years of investing | my exact portfolio & how much i've made 📈

👇👇👇 MY ANNUALIZED RETURNS BREAKDOWN 👇👇👇

Quick clarification:
My wording at 3:30 was a little confusing, sorry! The advice I got back then was solid: pay off debt, max a Roth IRA, etc., before contributing to a 401k with no match. My mistake was misunderstanding that advice as “NEVER open a 401k with no match.” So I skipped it for the next 13 years, even when a matchless 401k would have been a smart next step. So when I said it was "wrong" and I "should have opened one" – I meant my INTERPRETATION was wrong and that I wish I had opened my 401k sooner once I was debt free and maxing my Roth. Hope that clears it up!

❕❕❕My ANNUALIZED Portfolio Returns – Full Explanation Below❕❕❕
Some accounts give me an official IRR (Internal Rate of Return) directly from the brokerage (like Schwab). For other accounts that were transferred between brokers or don’t provide IRR, I calculated XIRR based on my exact deposit dates and amounts.

What is XIRR?

XIRR (Extended Internal Rate of Return) is a formula that calculates your annualized return based on the exact dates and amounts of all deposits and withdrawals. It’s more accurate than just taking a simple average of annual growth, because it accounts for when you added money to the account (a straight average just assumes one lump sum deposit at the beginning of the timeframe being calculated).

Here’s the return breakdown for my accounts:

Acorns brokerage – opened Nov 2015 ➡ 11.01% annualized (XIRR)

Public brokerage – opened Feb 2021 ➡ –4% (lol)

Roth IRA – opened Mar 2020 ➡ 13.67% annualized (XIRR)

HSA – opened Jul 2023 ➡ 21.14% annualized (IRR from Schwab)

SEP IRA – opened Aug 2023 ➡ 21.33% annualized (XIRR)

Solo 401k – opened Jun 2024 ➡ 18.45% annualized (IRR from Schwab)

⚡⚡⚡ Approximate overall stock portfolio annualized return: ~16.3% ⚡⚡⚡

(Weighted by each account’s current value, so very small accounts like Public don’t skew the total.)

Crypto – bought 2018-2023: ➡ 23.88% annualized (XIRR)

Thanks for watching!! 😊

thank you for sharing. honest and true story about investing. inspiring for us to start where ever you are. great confidence knowing your own finances. keep going!!

HHH

You’re the big sister I wish I had 😔

Remember ABB:
Always
Be
Buying

Markets go up, markets go down, but ABB.

Im watching this im in my early 20 im also doing my own research before investing

Am 47 looking serious to start now.

The moral of the story is, for the best long-term gains….buy bitcoin

Please invest at least 25% in individual stocks, I had one stock grow 40% in one week last week alone… individual stocks will really make an impact on your portfolio, invest in SOFI, AMZN, AMD, IREN, APLD, VRT, SPMO & SCHD and watch your portfolio grow so much more…

I'm 35 and just finally started the process. Long story short, no financial literacy out of college. Spent way too much money on cars and electronics. Got out of debt, but didn't really budget well. Bought a house before I should have and threw solar panels on the roof to the tune of $50k in debt. Paid that off in 10 months, but then almost got married and she broke it off which put me backwards in emotional spending again. Between stupid money choices and just the lack of understanding, I've only finally started. I just moved over a traditional IRA from my previous job of $1600 (that I invested nothing into and had no idea about it until I quit that job) into a Fideltiy account which I will rollover into a Roth and start putting money into that and investing it. I would do things very different now looking back as I wasted so much time, but better late than never.

Nice … but I’m not down with fractional shares

I'm 37 and I started saving up a year ago. I have now 2,5 months worth of savings. I'm getting there, to have savings equal to 6 months of living costs. I also started saving little amounts for my children, they will definetely need it as young adults.
Edit: I had savings before, but they went into buying and renovating our family house. We still pay the mortgage until 2031.

Thanks for sharing your story…you’re doing very well! 👌🏾

That SPCE still has a shot! Company will probably go down, but if they don't that price will skyrocket again. Used to be worth 900 / share

Thanks for making this video and sharing your experiences with us.

this channel helped me understand investing

https://youtube.com/@expansionprotocol?si=nZEn2hty7bAqdK-G

26, currently have 1.2k invested in a brokerage account. 29k in my 401k. I’m interviewing for a promotion at my job that I hope will come with a way higher salary. I’ll continue to live below my means so I’ll have so much more to play with. Trying to up my knowledge. Trying to retire “early”. Love the transparency

This kind of content builds trust and teaches real financial discipline.

Kudos for your consistency, but imo you are vastly over complicating. All you need at your age is a US Total Market Index like VTSAX. Dump all you can into it and let it ride. OR: pick a target date fund. BUT: peg it to your life expectancy, NOT your retirement date.

thanks but you are saying alot of alphabets that not usa ppl doesnt understand

401ks are trash if your employer doesn’t match, go Roth IRA instead

47% in 10 years is like a rate of CD.

Let’s cut the BS and get down to brass tax! Let’s get engaged.

Shes hot

Great results! Thanks for sharing!

Bf looks very chill on couch and very hairy

Your frog legged assistant thinks that you should invest in dog treats🦮

Be careful of bonds now, make sure your money doesn't sit in bonds

Aren't international ETFs already contain majority US?

Truly appreciate the transparency
… very inspiring

How do you have that much to put away is my question. You must have a high paying job because of the avg person that is not realistic. If you make 60k a year. Putting away 10k is impressive. 50k a year you have to be clearing close to 6 figures in this economy

I’m 34 and just started investing this week 😂

I've had savings sitting in a HYSA for years thinking I'm very smart with my money. I had the stupid thought growing up that people who invest and preach about investments are snobs. I'm 28 now and have been learning more about Roth IRA and also want to open a brokerage. I don't have a lot of savings, but enough to get started before I waste more time!

My poor husband, just mid 30s, saved up to 90k over 15 years on the saving acount at 3% around. He seems to be happy with that. I told him to start investing in ETFs stocks with $200-$300 per month and show him which one to buy, but he is not interested. I suggested to him to buy a few rental properties with me 5 years ago, but he refused; now those properties are not only generating cash flow but have appreciated by $200k in value. Well, some people want to be poor and have no assets, I guess.

Why did you add QQQ?

I'm 40 and late in my feeling so I invest 60% of my salary monthly to catch up a little.

You look unusually masculine

So you aren't actually following the "boglehead strategy" in that vanguard account. You are following the r/Boglehead strategy or the "boglehead influencer" strategy. I really encourage you to take a look into John Bogle's book "Common Sense on Investing" and the bogleheads wiki. Your asset allocation is 100% equities which John Bogle never advocated for and is a deeply unfortunate common misunderstanding of his teaching. If you want an easy set it and forget it "boglehead fund", check out Vanguards target date funds. I find they align with his advice and the teachings of other finance professionals who advocate for low-cost index funds. I use them in my 401k and my Vanguard Roth IRA, they are great!

Remember, don't believe everything you read on the internet!

Its possible regardless of job. I work at a warehouse 10 – 12 hrs with overtime pay. I have so far invested 47k and in my employer matching plan, I have 16k. My goal is to do max overtime possible this year and invest 40k. I am very determined to reach 100k. And I am invested with vanguard. I live frugally and below my means. No subscription, eat out seldomly, no debt etc. Its also addicting to watch my investments grow. Something I read from a book, If you don't learn to make money even when sleeping.. you will forever work your entire life. And its much more true in my case as a warehouse worker. Even if I can make my life easier in the future by a tiny percent, I have to take that chance and use my time and money wisely now.

I started investing just a week ago and I'm 35, I really wish I started in my 20s given how much more beneficial the stock market is (investing in ETFs) is compared to simply leaving money in a bank's savings account (which doesn't even have a high enough interest rate to beat inflation).

You states or canada?

Unfortunately im older than you. Started investing at 51. Turn 53 last october. Robinhood account. Only at little over 42k, by summer hopefully make it to 50k. Dont have the time like you. Some might say its crazy to buy dividends right off. But im already old and the taxes will suck of course. Also thinking about side hustle. When you have investments you may be more inclined to branch out. Dont really care about being overly wealthy at this stage of life would like extra income so i wont have to work as hard as i age. Not working at all is not my goal. For some stop working is not good.

You should have both maybe taxablle account and retirement type. Maybe some that pay dividends. When you do stop working the stock market could be at a crash level. Certainly you dont want to have to sell to survive when its down. Anytime in your working life something could happen. Some say just buy growth stocks until you reach certain age than put it into dividends. Thats the choice you have to think about. Sometime circumstances dictate i guess.

Slowly catching up on your videos but wow this is so amazing Alyssa! 🙌 It's very inspiring to hear about your journey. It's a little different here in Canada but I still learned a lot from your video! I only have an RRSP right now which my company matches my contribution up to 6%, which is similar to a 401k from what I understand. Once I get my debt sorted out and have extra cash flow, I'm hoping to get more into investing other than my RRSP 😊

Respect the 10-year grind — it’s motivating to see real numbers instead of hype. Smart investing + smart cash placement (HYSA via BankTruth) is the real combo.

I became a financial advisor when I was 25. Naturally, most of my clients were my age or in their early 30's. Many of them stuck to the plan I created for them, and most of them reached unfathomable investment portfolios by mid-late 30's. I'm still friends with many of them, and they are incredibly well off compared to my friends who never cared about their money.

A tip for anyone starting. Do your research and never ever make a mistake ever.