January 2026 Financial Asset Roundup

Here are my current financial assets as of the market close on January 13th, 2026:

Asset	Dec 2025	Jan 2026	Change
Checking	2,778	2,826	48
Money Market	83,063	89,652	6,589
Savings Bonds	262,899	263,589	690
Treasurys	136,000	136,000	0
CDs	75,400	74,080	-1,320
Brokerage	676,668	638,042	-38,626
401k	594,674	606,097	11,423
Roth IRA	394,649	404,645	9,996
IRA	1,700,441	1,724,620	24,179
529 Savings	166,089	167,174	1,085
Total Assets	$4,092,661	$4,106,725	$14,064
			0.34%

The S&P 500 has continued to perform well despite the latest attempt to interfere with the Federal Reserve, rising 1.12% (+1.72% YTD) since the last update:

(chart courtesy of cnbc.com)

On the jobs front, the monthly employment report for December fell to 4.4%, with a less than expected 50,000 new jobs created. Oil prices are up to the $61 level with widespread protests in Iran and the USA "controlling" Venezuela, with that price reflected in a local unleaded regular gasoline price of $2.49 at my last fill-up.

On the financial front, I again skipped my usual Fidelity 401k transaction (FSKAX) and Vanguard VTI purchase in my taxable brokerage account because I am not comfortable adding to our equity holdings at this time. I did take an S Corp distribution and my T-Bill holdings automatically rolled into new ones: 13 week 3.953% -> 3.652%, 4 week 3.742% -> 3.650%, and 8 week 3.927% -> 3.640%. I also opened an Alliant 4.20% APY 17 month "elevated rate" CD and a Navy Federal 4.00% APY 13 month add-on CD as a hedge against future interest rate cuts.

As for the non-financial, we finally recovered from the Christmas holiday and just had a contractor complete a modest home improvement project. Our cash balance will take a small hit, but it a was much needed job and the house looks great.