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Old 04-02-2010, 10:26 PM   #81
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IRA down 23% from peak, but that is after withdrawing maybe 5-6% over the past 2 years to get through an extended period of unemployment.

Recovery continues.
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Old 04-02-2010, 11:54 PM   #82
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From a financial perspective:
  • Retired since 2007
  • Investments peaked in Jun08
  • Investments dropped 40% by Dec. 08
  • Investments have recovered to ~80% of peak

From a non-financial perspective, I think my best all time high was sometime during the summer of 1968, if you were referring to that?
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Old 04-03-2010, 03:01 AM   #83
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Speaking of retirement assets, I am at my peak of $178K (would have been $183K, but I took a withdrawal of my Roth for $5K.) I've had pretty good luck doing international arbitraging in my 401K, and then asset allocation between large cap and small cap. I'm actually up 35% relative to the market since 2007. I had an even better run in 2002-2004 when I doubled my money relative to the market, making about 200 trades in my 401K (up until the damn brokerage scandal severley limited the number of trades I could do.)

Not bad for only having $42K when I quit my last full time job at the beginning of 1997.

Of course, I went into the hole big time on my non-retirement account, and am currently going through a Chapter 7 in major part because of it.
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Old 04-03-2010, 08:27 AM   #84
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Quote:
Originally Posted by David1961 View Post
How much did your net worth drop during this recession and where are you now? Thought itd be interesting to compare notes. Heres mine:
High November 2007
Lowest point since then Feb 2009 (down 30% from Nov 2007 high)
Now Mar 2010 down 6.5 from Nov 2007 high
Note: Im still working, so my net worth includes my savings from my paycheck.
Still working/accumulating as fast as we can so that certainly skews the numbers...rice and beans, rice and beans...

High - June 2008
Low - March 2009 (down 28% from June 2008 high)
Now - at new high - 17% above June 2008 high
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(49, married; DH 53. I am fully retired as of 2015 (well ok, I still work part-time but only because I love the job and have complete freedom to call off if I want to travel with hubby for work), DH hopes to fully retire 2018 when he turns 55 to access 401K penalty-free...although he may decide to do part-time consulting)
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Old 04-03-2010, 08:40 AM   #85
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I fully retired Oct. 2007, which was also my net worth peak. Wife is still working part time. We are down around 5% from then. I try not to think about the 2009 low's.
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Old 04-03-2010, 10:18 AM   #86
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at our last meeting our portfolio was basically net zero--we have technically made up losses since high point in 2008
but that did not take into account fees that we are paying with our current advisor

my husband will not handle our accounts on his own now that they have grown significantly and he values the tax advice/planning since our financial advisor is CPA in firm that does personal/business tax...
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Old 04-03-2010, 10:40 AM   #87
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We are fully recovered from the paper losses in 08.
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Old 04-03-2010, 12:20 PM   #88
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Maybe 5-10 degrees, depending on circumstances.

Ha
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Old 04-03-2010, 12:26 PM   #89
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My graphs look like everybody else's. Over the past few years I have been leveraging into investment properties, leading to a divergence between NW and total assets (TA). NW fell 15% during the crash and is now at an all time high. TA fell only 8% and are also at an all time high (which happens to be a nice number). As the properties pay their own mortgages, the NW line will gradually approach the TA line over time.

Diversification is good!
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Old 04-05-2010, 12:30 AM   #90
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I'm in the current all-time high camp, probably mainly due to in aggressive accumulation phase. The last few years have worked out great if you're employed and stashing money away every month.
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Old 04-05-2010, 12:34 AM   #91
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my stocks, mutual funds, iras, annuities, & 401k are right about back at the top of where they were (although i sunk about $100k into them during the last year, so mabey it does not count).
my real estate holdings equity is still down about $500-$600k though.
i am 84% of the way to making my goal, but would be more comfy with about $800k -$1m more net worth. then i walk away from my crap job & california & move to our property in oregon.
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Old 04-05-2010, 08:19 AM   #92
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I peaked in May of 08, dropped by about 30% by Mar-09, and recovered fully in January of this year, net of new contributions.

I'm at a new all time high now.
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Old 04-05-2010, 10:30 AM   #93
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Portfolio peaked 15 OCT 07
w/o new contributions, down 18% from peak.
w/ new contributions, now at 96% of peak.

( Real Estate holdings..another story altogether.)

Where's my bailout?
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Old 04-05-2010, 11:41 AM   #94
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Doing ok here - probably at a high, though most of our stash is in rental property. We put a value on the property about three years ago and never adjusted it, so don't have any ephemeral losses to bemoan. As a for instance, at the end of 2009 we finally sold a little rental house after a year of trying and it went for about $5k more than we figured it's worth as being - and that's after putting on a new roof, paying a realtor who brought a buyer, and doing all the little gimmees the buyer wanted. Good deal, makes me feel our old guesstimate of property value is pretty close. Some value in not counting chickens too closely or often?
Private money loans we've made have mostly worked out well, our small stock holdings are up, but we sold a bunch of losers - over all our stock investing time we are up a couple points, but earnings are not anywhere near rental or loan income.
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Old 04-05-2010, 01:02 PM   #95
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We are still in the heavy accumulation phase with only 2-4 years before we pull the plug. In terms of retirement investment dollars we are ahead of our previous highs in October of 2007 by about 5%. In regards to our paper losses:

High: October, 2007
Low: March, 2009 -39.5%
April 1, 2020: -4.8%
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Old 04-05-2010, 02:13 PM   #96
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April 1, 2020: -4.8%
Anything else happening between now and then we need to know about?
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Old 04-05-2010, 02:27 PM   #97
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I'm just about at my all time high. But that was from a few years ago, and I've been DCAing the whole time.
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Old 04-05-2010, 03:07 PM   #98
Recycles dryer sheets
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Anything else happening between now and then we need to know about?
Opps! Make that 2010.

Another senior moment.
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Old 04-06-2010, 01:47 PM   #99
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401K's

March 2009 down 20 % From July 2008

March 2010 up 60% from March 2009

Sold 90% of all equities/index funds in September 2008 . Started to DCA back into Equities/Index Funds from December 2009 - December 2010
Asset Allocation 65 / 35
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Old 04-07-2010, 07:39 PM   #100
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Quote:
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Currently: all time high, 82% higher than pre-crisis high.
How did you do that?

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