Continuing my attempt to post at least my monthly updates, I am posting a status update from April. As I said last month during this coronavirus pandemic our family has had many challenges, while at the same time being in a fortunate position to have fairly stable employment, savings, food, shelter, and other things that so many have lost during this time. So for every challenge or setback I must always emphasize the good fortune we are also experiencing during this time. I have continued my policy of mostly shutting out social media and I think that has been a very helpful thing. At some point I have a lot I want to say, but I just do not have the mental capacity or spare cognitive load to even consider it at this point.
From a financial perspective we are in a place where our net worth has declined a lot over 2020, but the fluctuations from month to month are extreme. Even so we are continuing to follow our predetermined investment plan, without making major changes to our strategy. We have made some investment changes, but these were all part of our prior plan based on certain scenarios, mostly related to the approximately 10% we invest outside of index funds. So here is how we did in April 2020. At the end of April 2020 our net worth was $937,413 which was a gain of $51,524 in one month. For the year we are now down $76,549 for a loss of around 7.55%. While a loss still hurts psychologically, the loss is less than half of what it was last month.Continue Reading for the specific details