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Re: How did you do in 2004?
Old 01-03-2005, 04:46 PM   #21
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Re: How did you do in 2004?

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I am a Bond idiot, but could you explain to me how your 2.5% TIPS came in at 22% this year. Have they appreciated this much on the secondary market? Did you sell them?
Yes, they do fluctuate in price - quite a lot. Real rates declined after I bought them at 2.5%, and the price went up. Plus there has been an interest payment since I bought them. But keep in mind that the 22% is annualized. I didn't hold for the whole year, only about 8 months. So the total increase over what I paid was roughly 14% (price increase plus interest). I didn't sell. I plan to hold these for a long time. But it has been very tempting to sell.
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Re: How did you do in 2004?
Old 01-04-2005, 04:56 PM   #22
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Re: How did you do in 2004?

A happy and prosperous 2005 to everyone.


Best investment return of the year: from an hours work and a 9 month holding period - a 50% return!!
(Our daughter was born in January, and family of 2 became 3)

Financially, 2004 was pretty good too. Approximate numbers for year as a whole:

Property:
Overall: +15%
Excluding own Residence: +16.5%

Equities:
Major Indices, Large Caps/Blue Chips: + 48%
Growth Fund: +85%

Child Education Fund: +13%

Cash savings increase of around 30%, now got to get around to finding a home for them.

Overall, we are up by about 35% for the year.


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Re: How did you do in 2004?
Old 01-04-2005, 05:11 PM   #23
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Re: How did you do in 2004?

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Best investment return of the year: *from an hours work and a 9 month holding period - a 50% return!!
(Our daughter was born in January, and family of 2 became 3)
If you call that work, I'm in the wrong business.

Although I would call it a 100% return.

I wonder if I could get paid by the minute

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Re: How did you do in 2004?
Old 01-04-2005, 05:26 PM   #24
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Re: How did you do in 2004?

Turned out pretty good here. About 12.5% in the investments alone including roughly 34k in dividends and interest, which more than paid the bills. Our house went up in value from 250k to roughly 340k in the past 18 months.

I thought the 12.5% was pretty good considering our very conservative posture and the fact that the Wellesley 35/65 fund is still one of our primary holdings.

Even went the extra mile and created an additional deduction. Almost...two, maybe three weeks away...
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Re: How did you do in 2004?
Old 01-04-2005, 06:08 PM   #25
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Re: How did you do in 2004?

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Even went the extra mile and created an additional deduction. *Almost...two, maybe three weeks away...
I guess that means you didn't take my advice to induce early labor and take the deduction in 2004. Oh well, I guess a few more weeks of restful sleep is a fair trade-off
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Re: How did you do in 2004?
Old 01-04-2005, 06:15 PM   #26
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Re: How did you do in 2004?

I poked at her a lot while she was sleeping but that just made her grouchy.

I told her if she didnt deliver by superbowl sunday though we were going in. No way am I watching the game on a little screen without a tivo.
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Re: How did you do in 2004?
Old 01-04-2005, 06:35 PM   #27
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Re: How did you do in 2004?

My net worth (not including the house) increased 19.23% from last year. *My moving average since 1996 is 16.20%, so I'm very happy with 2004 results.

In January 2004 I had projected a 7.71% net worth increase for 2004, but extra earnings and savings as well as the 4th quarter market rally gave me an unexpected boost.

My projection for net worth increase in 2005 is 7.23% which will bring my projected moving average to 15.30%.
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Re: How did you do in 2004?
Old 01-04-2005, 06:51 PM   #28
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Re: How did you do in 2004?

Considering that we entered 2004 with some job uncertainty (both hubby and I had just started working on contract) we finished the last 6 months of 2004 fairly decent.

Our net worth increased by 30% in the past 6 months alone due to permanent employment for the both of us, higher salaries and therefore higher savings.
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Re: How did you do in 2004?
Old 01-04-2005, 07:00 PM   #29
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Re: How did you do in 2004?

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Our net worth increased by 30% in the past 6 months alone due to permanent employment for the both of us, higher salaries and therefore higher savings.
You two must be new here. There's an unwritten rule that employed people aren't allowed to make up goofy IRR numbers that include unstated savings from earnings.

And besides that, just the thought of "permanent employment" is enough to give many of us here a bad case of the heebie-jeebies.
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Re: How did you do in 2004?
Old 01-04-2005, 07:12 PM   #30
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Re: How did you do in 2004?

Think of Donald Sutherland at the end of the remake of "invasion of the body snatchers".

We're all point at you and making a shrill sound.
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Re: How did you do in 2004?
Old 01-04-2005, 07:14 PM   #31
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Re: How did you do in 2004?

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You two must be new here. * There's an unwritten rule that employed people aren't allowed to make up goofy IRR numbers that include unstated savings from earnings.
I'm still in the accumulation phase even though I am semi-retired. *That's why I'm more concerned with net worth change rather than just ROI. *I know where my net worth needs to be by the time I'm 40.

Besides, the topic is "how did you do" not "how did your investments do."
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Re: How did you do in 2004?
Old 01-04-2005, 08:25 PM   #32
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Re: How did you do in 2004?

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Besides, the topic is "how did you do" not "how did your investments do."
Oh, fine. That game is much easier to win. My 22-month old daughter had $0.05 in her piggy bank at the start of the year. I gave her $3 over the course of the year. Her net worth is up 6000%.
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Re: How did you do in 2004?
Old 01-05-2005, 05:01 AM   #33
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Re: How did you do in 2004?

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My 22-month old daughter had $0.05 in her piggy bank at the start of the year. * I gave her $3 over the course of the year. * Her net worth is up 6000%.
She's on her way to FIRE! Now if she can make 6000% for the next 4 years, she will have $39 million.
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Re: How did you do in 2004?
Old 01-05-2005, 07:17 AM   #34
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Re: How did you do in 2004?

Calgary Girl:
My answer would have been similar to yours, but since I couldn't easily take out savings to get a true return I stayed quiet in anticipation of shrill noises and pointing.

Last year 2004 was our big push before I ER and then my husband in a year or two.

Being that my resignation is still sitting on my desk instead of my boss's maybe we'll continue to accumulate this year.

I am hesitating now that I understand that the SWR is only 2% (I will point out that this is in jest, since you all don't know me that well).
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Re: How did you do in 2004?
Old 01-05-2005, 08:11 AM   #35
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Re: How did you do in 2004?

1-1-2002 to 12-31-2003: Net Worth up 72.1%
1-1-2003 to 12-31-2004: Net Worth up 35.5%

This does NOT include home value appreciation, but does account for the amount of mortgage debt paid off through extra principal payments, plus a modest amount of new investments mostly through our 401k's. Home value appreciation over that time period (2002-2004) is estimated at 40%.

Stock equity fund appreciation accounts for most of this growth, but new money saved (and not spent) are a close second.

It's been a good 2 years. We made back all of our losses from the dot.com bust and then some. We just let our investments ride along with the market (70% equities (large cap and index funds), 15% bonds, 15% fixed income).

The last 2 days (1-3 and 1-4-2005) don't have me worried too much. This is just normal profit taking, and I myself participated in this. Let's hope that 2005 is at least as good as 2004.
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Re: How did you do in 2004?
Old 01-05-2005, 08:35 AM   #36
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Re: How did you do in 2004?

If were talking about increases in net worth my numbers are quite a bit different. I still only made about 8% on my investments but my net worth increased 22%. I do not include my home but do include paying off the mortgage. I plan on ER in 140 days but who's counting.

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Re: How did you do in 2004?
Old 01-05-2005, 10:00 AM   #37
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Re: How did you do in 2004?

We base things on Net worth also. Our Net Worth was up by about 25% this year due mostly to huge appreciation in our real estate, which has now been mostly sold, so we don't expect that again for the future. Finally, our net worth has caught up to our spending. 8)

Hopefully, it will not matter, since wabmester's daughter should be able to support all of us after 4 or 5 more years.
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Re: How did you do in 2004?
Old 01-05-2005, 10:21 AM   #38
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Re: How did you do in 2004?

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Oh, fine. * That game is much easier to win. * My 22-month old daughter had $0.05 in her piggy bank at the start of the year. * I gave her $3 over the course of the year. * Her net worth is up 6000%.
Hi wab,

Will you adopt me and increase my net worth by 6000% this year?
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Re: How did you do in 2004?
Old 01-05-2005, 10:29 AM   #39
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Re: How did you do in 2004?

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Will you adopt me and increase my net worth by 6000% this year? *
Sorry, I won't be adopting anybody for a while. * I'm still recuperating from last night. * *I was a mess. * Ran around naked outside in freezing temps screaming "Permanent Employment! * Permanent Employment!"

My doctors will follow-up with an address to send your well wishes.
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Re: How did you do in 2004?
Old 01-05-2005, 11:12 AM   #40
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Re: How did you do in 2004?

[quote]
Sorry, I won't be adopting anybody for a while. * I'm still recuperating from last night. * *I was a mess. * Ran around naked outside in freezing temps screaming "Permanent Employment! * Permanent Employment!"

[quote]
Sorry to hear it. I feel your pain, wab.
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