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Old 01-07-2010, 07:37 PM   #21
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Well since were counting new contributions, I'm going to count an inheritance I received from my aunt. I'm up 17% from my high in 2008. But for some reason I don't feel up. Backing that out I would be down around 7%. If I hadn't trimmed my stocks when the DOW rebounded to around 9,600, I would be fairly close. Oh well........
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Old 01-07-2010, 07:40 PM   #22
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Originally Posted by Dawg52 View Post
Well since were counting new contributions, I'm going to count an inheritance I received from my aunt. I'm up 17% from my high in 2008. But for some reason I don't feel up. Backing that out I would be down around 7%. If I hadn't trimmed my stocks when the DOW rebounded to around 9,600, I would be fairly close. Oh well........
Come on, man. I am still down 8.7% from my high in Oct 07, net of withdrawal. You are not doing badly at all.
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Old 01-07-2010, 08:37 PM   #23
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I am up compared to 2005, but down about 10% compared 2006, 2007, and 2008
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Old 01-07-2010, 08:52 PM   #24
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We're well ahead. Hong Kong did not get hit as hard as the US and recoverd earlier and stronger. Getting a lump sum pay out when I left my old job and throwing it all at equities near the market bottom helped a lot.
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Old 01-07-2010, 09:00 PM   #25
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I think the high water mark for most is Oct. of 2007. I'm still down about 10% from that time.
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Old 01-08-2010, 02:20 AM   #26
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never lost a dime. 100% CD's @ roughly 6% ea. sleep like a baby
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Old 01-08-2010, 04:29 AM   #27
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We were aggressively DCAing the maximum into retirement accounts during the slump, I picked a great time to throw some extra cash into the kids 529s (almost perfectly timed the bottom), and we bought an apartment at a great, fire-sale price in May 2009 (selling prices have since gone up about 50% from what we paid). We hit our net worth low point in March last year, and it has been steadliy coming back up from there. Net worth was up 52% comparing 01 Jan 09 to 01 Jan 10 figures. We are pretty happy campers! Glad I didn't flinch and sell stuff when things were going down. I did do some rebalancing in August, and feel good about that.

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Old 01-08-2010, 11:32 AM   #28
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Within 3%

Our NW peaked at $3.6 MM in June 2007 and bottomed just below $2 MM in Nov 2008. Aggressively rebalanced (OK market timed) and upped my equities from ~60% to 90%. Now at $3.5 MM or about 3% below the peak.

At one point my ESO's were worth $1.3 MM. At the low in Nov 08 they were all under water. (OK I did cash some out in April 08 when Megacorp stock was 5% below its all time high). It was still painful to see an account that once contained $1.3 MM worth a big fat goose egg. Fortunately I have been taking my options off the table in year 8, so not worried about expiring options before 2012 - they are back up to $600K, or $850K if I include the quarter mill in profits I booked April 08.
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Old 01-08-2010, 11:54 AM   #29
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I don't keep anything but annual data.

Given our aggressive contributions, my wife and I are quite a bit above our Dec 31st 2007 peak again. I'm pretty sure we are still below whatever we had in Sept of 2007, but since I don't keep records of that, I don't really need to worry about it.
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Old 01-08-2010, 12:02 PM   #30
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Old 01-08-2010, 04:05 PM   #31
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Not quite - still down 9.75% from peak of Oct 2007.

In March 2009 I was down 40% from peak.

Audrey
Interestingly, my percentages and dates are almost exactly the same as you and 73SS454. I'm down roughly 10% from my Oct, 2007 net worth peak.

I've been retired 3.5 yrs. I am actually up a little in net worth from what it was on my June, 2006 retirement date despite being in the withdrawal phase.

And, I'm having fun.
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Old 01-08-2010, 04:48 PM   #32
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Net worth is almost twice the value 15 months ago @ its low.
A few thousand in stock grants.
Mostly recovered stock values and continued contributing to the max in the 401K and partially matched corporate stock purchases.
Also does not hurt that company stock has gone from mid 20's to mid 40's.
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Old 01-08-2010, 05:40 PM   #33
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No , my portfolio has not fully recovered but at least it's out of ICU .
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Old 01-08-2010, 06:54 PM   #34
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I'm still down 5% from my known high in May or June of 2008 (includes contributions).
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Old 01-08-2010, 11:49 PM   #35
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My net worth reached its previous high in May 2008. It is now 51% higher than that when including new contributions and 29% higher when excluding new contributions.
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Old 01-09-2010, 02:27 AM   #36
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My retirement portfolio peaked in June of 2008 and was down 38.5% in March of 2009. Thanks to dollar cost averaging, I recovered in Oct of 2009. I have been ahead since then.
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Old 01-09-2010, 05:45 AM   #37
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This thread has caused me to reflect on my portfolio. I now realize that even though I held $1 MM in cash before the meltdown (almost 40% of porfolio) that my portfolio ended up down 45%. In other words, at 60% invested my portfolio behaved like a 100% equities portfolio due to the leverage inherent to my employee stock options.

Perhaps that should influence my asset allocation choice for retirement, at least the first few years while I still have in the money ESO's in my portfolio. I anticipated a bad end to the real estate bubble / sub prime mess, and thought I was pretty defensively positioned with $1MM in cash. Now I realize I was effectively still fully invested.

Fortunately the leverage worked on the upside as well and I am now up to 98% of the peak.

PS Mods, I can't seem to edit my post in this thread from yesterday - does the edit button disappear after some time period? I was able to edit it yesterday.
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Old 01-09-2010, 08:03 AM   #38
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XIRR 12/31/2008 - 01/08/2010: -12.24% for me

Retired in early 2007. Values reflect only equity/bond positions. Cash (e.g. retirement cash bucket, held in MM accounts for current retirement income not included in calculation).
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Old 01-09-2010, 08:22 AM   #39
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Yep, checked last nite. I am up from my all-time high in Oct 2007. $500 above the top. Who knew?

Oh, and this is just Vanguard. I have other stuff, like bonds and cash, and they're up too.

I know, nothing to crow about, but at least until Monday, the Eagle is flying again.
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Old 01-09-2010, 08:31 AM   #40
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My nw has just recently exceeded the prior high of 10/31/07. My allocation is 50/30/20. I kept contributing to my 401k and after-tax investments.

Good thing - I did not sell equities when the going got ugly.

Bad thing - I did not actively rebalance i.e. buy more equities

Guess you could say I was brave but not that brave
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