Portfolio Update January 2017: Net Worth Increases 2.1% Surpassing $900k for the First Time

The time has come for my monthly portfolio update. At the end of every month, I will update my portfolio and comment on any changes. I do that for accountability and also so you may glean some ideas on how I allocate my capital. You have the opportunity to learn from what I do well, so you can do the same, as well as what I do poorly, so you will not have to repeat my mistakes.

Follow my real-time portfolio here.

My transactions in January are listed as follows:

Stock	Action	Cost	Price per share	% of Portfolio
VFC	Add	$1,650.00	$52.66	0.19%
RL	Add	$1,000.00	$90.48	0.11%
GILD	Add	$994.00	$71.00	0.11%
SRCL	Add	$988.00	$76.00	0.11%
FOSL	Add	$980.00	$24.50	0.11%
BUD	Add	$600.00	$105.21	0.07%
UL	Add	$600.00	$40.71	0.07%
BDX	Add	$221.53	$169.42	0.03%
VMI	Add	$213.93	$137.58	0.02%
AFL	Add	$200.00	$70.28	0.02%
BRKB	Add	$200.00	$163.17	0.02%
EMR	Add	$200.00	$56.50	0.02%
KO	Add	$200.00	$41.35	0.02%
NSC	Add	$200.00	$120.19	0.02%
NVS	Add	$200.00	$71.99	0.02%
WMT	Add	$200.00	$69.43	0.02%
XOM	Add	$200.00	$86.35	0.02%
DIS	Add	$150.00	$108.01	0.02%
MCD	Add	$150.00	$122.99	0.02%
NKE	Add	$150.00	$52.67	0.02%
PEP	Add	$120.50	$105.04	0.01%
EXC	Add	$100.00	$36.00	0.01%
INTC	Add	$100.00	$36.49	0.01%
MSFT	Add	$100.00	$62.36	0.01%
NNN	Add	$100.00	$45.19	0.01%
SNY	Add	$100.00	$40.83	0.01%
SON	Add	$100.00	$52.79	0.01%
YORW	Add	$100.00	$36.38	0.01%
PEG	Add	$59.54	$43.97	0.01%
PPL	Add	$26.06	$34.07	0.00%
VTI	Add	$5.51	$116.96	0.00%
VEA	Add	$2.87	$37.08	0.00%
VWO	Add	$0.69	$36.68	0.00%
LQD	Add	$0.32	$117.22	0.00%
VGIT	Add	$0.31	$64.85	0.00%
TIP	Add	$0.24	$114.83	0.00%
SJNK	Add	$0.14	$28.23	0.00%
VNQ	Add	$0.06	$85.71	0.00%
	Bought	$10,213.70	1.16%
	Sold	$0.00	0.00%
	Net	$10,213.70	1.16%

Purchases
This month, I added to positions in VFC, RL, GILD, SRCL, FOSL, BUD, and UL near 52-week lows. The rest of the purchases are mostly part of my monthly investment plan.

Sales

None.

Here is how my assets, liabilities, and net worth have changed over the past month:

	Beginning balance on 1/1/2017	+ Cash inflow /(outflow)	+ $ P/L	= Ending Balance on 1/31/2017	% P/L	% Equity
ASSETS
Current assets
Cash	27,780.33	(14,370.57)	0.00	13,409.76	0.00%	1.49%
Bonds	12,767.65	1,943.57	319.13	15,030.35	2.50%	1.67%
Stocks	625,411.15	9,550.43	15,212.53	650,174.11	2.43%	72.10%
Total current assets	665,959.13	(2,876.57)	15,531.66	678,614.22	2.33%	75.25%
Tax-deferred retirement account	141,563.38	255.29	4,782.17	146,600.84	3.38%	16.26%
Roth IRA	65,641.19	5,500.00	251.00	71,392.19	0.38%	7.92%
Gold	12,407.69	0.00	587.83	12,995.51	4.74%	1.44%
Other non-current assets	5,000.00	(500.00)	0.00	4,500.00	0.00%	0.50%
Total assets	890,571.39	2,378.72	21,152.66	914,102.76	2.38%	101.36%
LIABILITIES & EQUITY
Liabilities
Current liabilities	0.00	5,452.95	0.00	5,452.95		0.60%
Long-term debt
Student loan	6,995.95	(146.42)	0.00	6,849.53		0.76%
Other loans	0.00	0.00	0.00	0.00		0.00%
Total liabilities	6,995.95	5,306.53	0.00	12,302.48		1.36%
Equity (net worth)	883,575.44	(2,927.81)	21,152.66	901,800.28	2.39%	100.00%

My net worth increased 2.06% to $901,300.28, due investment gains (2.39%), partially offset by net cash outflows (-0.33%).

Starting this month, I will depreciate my other non-current assets by $500 each month, till it drops to zero. 

My monthly performance against the S & P 500 is shown below:

2017	My Portfolio Return	S & P 500 TR
Jan	2.39%	1.90%	Good

This is a propitious start to the new year. Cheers to 2017!