- 401(k) accounts
- W has a Roth 401(k) at work [very small component, not contributing anymore]
- Roth IRA
- M has a Roth IRA account with CapitalOneInvesting, an old account that doesn't receive any new funds (but reluctant to roll over to Vanguard, just "playing around" money).
529 college bucket
We have a 529 college account with Utah Educational Savings Plan, for our child. We also have different accounts for our nieces and nephews but those are not included in our assets column.
Bank Accounts bucket
Pretty self explanatory. Only checking and savings accounts. We do not currently have any CDs.
- Individual taxable brokerage accounts with
This is mainly "playing around" money. Computershare offers DRIP in major companies, a lot of them with no fee on buying. Loyal3 is a commission free online brokerage platform, which also allows ordinary investors to take part in IPOs.
Update 5/31/2017: Loyal3 closed down and moved all accounts to FolioFirst. FolioFirst also offers commission free trades, on a larger number of stocks. They charge $5 monthly maintenance fee which is waived till August. We'll see what we do.
- W has a HSA account from work
A bunch of Treasury bonds given as present from grandparents. We let them go till final maturity.
Our primary residence. The valuation of $300k is from 2015 when we refinanced. We know there has been appreciation but we don't factor that in.
30-year fixed at 3.875% (~$238k on Feb 28, 2017)
5-year fixed at 0.9% (~$21k on Feb 28, 2017)
Government loan at 6.21% (~12k on Feb 28, 2017)
Private loan at 4.99% (~15k on Feb 28, 2017)
We do NOT have any credit card debts. We use our cards for any and all purchase, for any amount, where ever they are accepted without any additional fee, and we pay off the full balance every month.