Finance & Investing · Deep Dive

Aidan Aniciete The Tracker.

Opened a Roth IRA at 19 with $500. Now managing $42k+ across a Roth IRA, 401(k), and HSA at 23. Every position tracked in a custom multi-tab Excel model — cost basis, sector allocation, factor investing, and net worth trajectory.

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Roth IRA Value · Live

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Unrealized Gain · Roth IRA

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Positions (Roth IRA)

Tax-Advantaged Accounts

~3.5yr

Time Invested

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Live CAGR

Approach

Investment Philosophy

Max Tax Advantage First

Triple-stack IRA + 401(k) + HSA before anything else. The tax savings compound just as hard as the returns.

Factor Investing

QVAL, QMOM, IVAL, IMOM — systematic quant factor ETFs for value and momentum exposure. Evidence-based, not gut-feel.

High-Conviction Stocks

Every position has a documented thesis. GOOG held since 2022. ASML for EUV monopoly. SHOP for e-commerce infrastructure.

Long Time Horizon

Started at 19. The 2065 target date on the 401(k) says it all. Volatility is noise — compounding is the signal.

Track Everything

Cost basis on every lot. Sector weights. Net worth snapshot. You can't manage what you don't measure.

Geographic Diversification

IVAL + IMOM for international factor exposure. FTIHX in HSA for global ex-US. US-heavy but not US-only.

Growth

Net Worth Trajectory

Portfolio Value Over Time

Roth IRA + 401(k) + HSA · Dec 2022 – Present

$42,353

Accounts

The Triple Stack

Roth IRA · M1 Finance

Self-Directed Brokerage

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31 positions · high-conviction stocks + factor ETFs
Opened Dec 2022 at age 19 with $500
Contributions: post-tax · grows tax-free forever

401(k) · T. Rowe Price

Maritz Employer Plan

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Fund: TRP Retirement Hybrid 2065
Started: July 2024
Strategy: target-date auto-rebalancing

HSA · Fidelity

Health Savings Account

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Holdings: FSSNX · FTIHX · FDRXX
Triple tax-advantaged: pre-tax in, tax-free growth, tax-free out
Strategy: invest HSA, pay medical costs out-of-pocket

Roth IRA

All Holdings

Stocks

— positionsLoading live prices...

Ticker	Company	Thesis	Overall Return

Factor ETFs

— positions · quant systematic

Ticker	Fund	Strategy	Overall Return

Roth IRA

Sector Allocation

The Model

Inside the Spreadsheet

Built in Excel with live formula linking across all tabs — change a value in Holdings and it cascades to Dashboard, Allocation, and Net Worth instantly. Every position has a documented investment thesis. Every account is tracked with cost basis and unrealized gain/loss. The goal: one source of truth for my entire financial picture.

Data Flow

Holdings

31 positions
cost basis + value

→

Dashboard

live totals
=SUM(Holdings)

→

Allocation

sector weights
auto-recalc

→

Net Worth

IRA + 401k + HSA
+ savings − debt

Every value in the model is formula-driven — no manual entry after the initial setup. Update a position in Holdings and the Dashboard total, sector allocation percentage, and net worth snapshot all recalculate instantly. This mirrors the single-source-of-truth principle used in relational database design.

Dashboard!H4 GOOGLE SHEETS → LIVE

// RRI returns annualized growth rate as a decimal
// 3.5 = years · D4 = lifetime deposits · B4 = current net worth
=RRI(3.5, D4, B4)         →  0.167

// Fetched live via Sheets API · rendered directly on this page
const cagrRaw = await fetch("Dashboard!H4");
display(cagrRaw * 100 + "%");  →  "16.7%"