Monthly Household Financial & Budget Performance Report
| Asset Class / Account | Valuation | % Share |
|---|---|---|
| Employer 401(k) Plan (David) | $340,000 | 34.5% |
| Roth IRAs (David & Sarah) | $125,000 | 12.7% |
| 529 College Savings (Leo & Maya) | $95,000 | 9.6% |
| Liquid Cash & Emergency Fund | $65,000 | 6.6% |
| Taxable Index Brokerage | $35,000 | 3.6% |
| Primary Home Equity (Suburban 4-Bed) | $325,000 | 33.0% |
| Auto Loan Liability (Credit Union) | -$15,000 | -1.5% |
| Account Category | Balance | YTD Return | 1-Yr Return | Fund Expense Ratio | Annual Fee Drag | Status |
|---|---|---|---|---|---|---|
| Employer 401(k) Plan | $340,000 | +12.8% | +16.2% | 0.08% | $272 / yr | Vanguard Target 2045 |
| Vanguard Roth IRAs | $125,000 | +14.5% | +18.9% | 0.03% | $38 / yr | VTI Index (0.03%) |
| Fidelity Brokerage & 529s | $130,000 | +15.2% | +19.8% | 0.07% | $96 / yr | S&P 500 & State Index |
| Child | Age | College Year | Current 529 Balance | Target Institution Tier | Projected College Cost | Projected Balance | Status |
|---|---|---|---|---|---|---|---|
| Leo | 11 | 2033 | $58,000 | In-State Public University | $168,000 | $172,000 | +$4,000 On Track |
| Maya | 8 | 2036 | $37,000 | In-State Public University | $192,000 | $188,000 | -$4,000 Minor Gap |