Classifying the assets (April 2015)

Asset repositories:

• Pre-tax 401(k) - Previous employer
• Post-tax 401(k) - Previous employer
• Post-tax 401(k) - Current employer
• 529 College Savings Plan (for dependent)
• HSA (Health Savings Account)
• Savings (Primary)
• Savings (Secondary)
• Checking (Primary)
• Checking (Secondary)
• Investment Account (Primary)
• Restricted Stock
• Physical (Car, etc.)

Additions to assets from:

• Income from employment, to include restricted stock units
• Investment earnings
• Interest on accounts

Total valuation and distribution:

I summed the value of all of the above assets and it comes to $133,496.65, as below.

About half of that (Restricted Stock, above) is non-vested stock that requires continued employment in my current position to realize.

So in general, the argument could be made that assets can be grouped into the following categories (excluded physical because those cannot be reinvested):

Or, a little more graphically:

Guideline Statement, Performance Measurement

Guideline Questions:

• How much risk am I prepared to take to meet benchmark rate of return?
• What is the time period for measurement of performance relative to objectives?
• What is my preference for asset mix, especially relating to stocks?
• What are the cash flow / liquidity requirements?
• Do I want to expand into foreign investments, private placements, options, futures, etc.?

Performance Measurement:

Measurements conducted will be as follows:

• Internal rate of return
• Time-weighted rate of return (average of rate of return per subinterval, divided at dates of cash flow into or out of the portfolio)
• Portfolio alpha value
• Portfolio beta value