How is My Portfolio Holding Up?

The stock market is off to a very rough start this year. Year to date the S&P 500 Index is down 8.31% which is nearing correction territory of 10%. The NASDAQ Index is already in correction territory being down 13% for the year. Could we be heading into a bear market? It is a real possibility but it is also possible that the markets could begin to rebound. With the markets down significantly to start the year, I thought it would be a good time to look at my accounts to see how the accounts are holding up through this downturn in the market.

Traditional IRA

The Traditional IRA started out the year at $125,625.51 and as of 01/21/2022 the account was at $119,804.15. This works out to the account being down 4.6% for the year which is better than the S&P 500 and NASDAQ. No contributions have been made to this account this year. The dividends and options premium, about $650, generated from this account has been reinvested into the account.

Roth IRA

The Roth IRA started the year out at $2084.35 and at the time of this writing is at $2118.57. This account is up 1.6% for the year. This is a little misleading because of $200 in contributions this year. If you take out the contributions this account is down almost 8% year to date.


The 401k started out the year at $10,543.79 and is now at $10,315.79. This account is down 4.55% year to date which factors in the contributions made to this account.

Taxable Brokerage Account

The taxable brokerage account started out the year $380.17 and is now at $323.13. This is a drop of about 15% year to date.


The little bit of bitcoin that I own started out the year at $22.44 and is now at $17.77. This is down about 20.8% year to date.

Total Amount Invested

At the beginning of the year the total amount invested across all accounts was $138,633.74. As of this writing, the account is down to $132,444.47. This is a drop of 4.46% year to date which does not factor in the contributions.


This exercise has shown me that the bulk of my account is performing better than the overall market to the downside. The crypto and taxable brokerage account which is more growth oriented did not perform very well. The Traditional IRA which is mostly dividend stocks performed well during this downturn, all things considered. Overall, I am glad my account seems to have some downside protection.

That being said, my account does not perform as well to the upside. The S&P 500 finished 2021 up almost 27%. The Traditional IRA was up almost 21% for the year. The Roth IRA was up about 36% for 2021, which could be a little misleading because this account was opened at the beginning of the year with contributions throughout the year. The 401k was up almost 11% for the year. The taxable brokerage account was down for year and my little bit of bitcoin bounced up and down. This shows me that I might need to make a few tweaks here and there to my investments in order to help it grow a little bit more on the upside but I do not want to make too many changes because I like how my portfolio has performed to the downside.

On a side note, I have added a Recommended Resources in the menu. It currently is a work in progress. It will contain blogs and YouTube channels that I enjoy as well as some sites that I use. I hope you take the time to check it out.

*Disclaimer – I am not a financial professional. The information shared here should not be considered financial advice. I am just a factory worker sharing my experience as I strive to achieve financial freedom. Before investing or making any financial decision do your own research and due diligence or consider seeking the advice of a financial and/or tax professional.

Here are some of the businesses that I use that I thought some of you might be interested in.

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Lolli has a variety of stores that it is affiliated with and offers rewards for shopping at these stores. I use Lolli when I shop on Chewy and I get bitcoin as a reward. Who doesn’t want free bitcoin! If you are interested in Lolli and want to help support the blog here is my referral link:

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I use M1 Finance for my taxable growth account. M1 Finance offers promotions for signing up. At the time of writing this post, the promotion is for $50. These promotions vary from time to time but is usually a $10 bonus. If you are interested in M1 Finance and want to support the blog here is my referral link:

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Varo Bank is one of the banks that I use. From time to time the bank will run promotions. Currently, you can earn up to 3% on your savings with Varo, if you meet certain requirements. If you are interested in checking it out, here is my referral link:

If you use the referral links listed above I could receive compensation. Please take the time to read the terms and conditions before signing up.

Published by Bill

I am just a blue collar factory worker trying to reach financial independence by spending less, earning more, saving and investing.

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