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Old 01-01-2018, 01:07 PM   #41
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17.6% on investment accounts, after spending.

If I include RE values in net worth, I think the percentage number will go down because RE does not appreciate as much as my stocks. The total dollar value would go up, of course, but I do not care how much my homes are really worth until I want to sell.
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Old 01-01-2018, 01:09 PM   #42
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Up only 7.6 percent.

This includes everything, but according to Zillow my houses barely broke even - which I find hard to believe.

I sure will be glad when these college expenses are gone. They can take a toll on your net worth!
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Old 01-01-2018, 01:10 PM   #43
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Starting my 13th year of retirement very conservative 46/20/34 AA finished 2017 + 9.2%.
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Old 01-01-2018, 01:31 PM   #44
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Investable assets (not house, cars & possessions) up 14.0% in 2017.

We are 2.5 years into ER and our only outside income is $5500 annual pension, while spending was $47k slightly under $48k planned. Last week I moved about 2.5 yrs expenses into cash - we were down to only 6 months liquid cash - so whatever happens in 2018 will be tempered.
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Old 01-01-2018, 01:39 PM   #45
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NW up about 10% but while still working, this was a bad year on the expense side. Large medical expenses and bought a car in anticipation of retirement. I take the cash paid in consideration of NW, but I don't add back in the value of the car. To me, for retirement purposes, I'm looking at cash and investments, not house and property.
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Old 01-01-2018, 01:49 PM   #46
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Up about 8.7% after the purchase in cash of a new car. Happy with that. We have not taken any money out of our IRA yet. Did do a Roth rollover but kept it at the 15% tax bracket.

We have been living on after tax funds for the last 3 years and intend to do this until DH turns 62 and re-evaluate at that time if he will start SS then or wait till 65 1/2 years.

Totally happy with this years returns.
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Old 01-01-2018, 01:54 PM   #47
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11.48% . Can't complain.
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Old 01-01-2018, 02:05 PM   #48
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Excluding home value, up 11.0%. That was after the cash purchase of two new vehicles in December for $81k. Over 14% if I add that cash back in. That approach adheres to GAAP, right?
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Old 01-01-2018, 02:09 PM   #49
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About 17.6% for all cash, investment and retirement investment accounts, net of cash flow for the year. For those accounts we are about 75/25 equities versus bonds/cash. For the equities, we are about 62/38 US/ex-US.

This is predominantly a slice and dice index fund portfolio (we hold a few legacy actively managed funds).

We are in fourth year of retirement, so far living on pension and about 2.5% withdrawal.

Not included are real estate or any NPV for pension. Including estimates for those those knocks us back to about 10.75 %. Still not a bad year at all.
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Old 01-01-2018, 02:12 PM   #50
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19.2% excluding home, post tax assets.

Obviously heavy on equities but 2017 was an exceptional year.


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Old 01-01-2018, 02:19 PM   #51
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15% I am very thankful to God.
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Old 01-01-2018, 02:26 PM   #52
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About 10%, last year about 23%. I have finally decided to do something about this embarrassment of riches and have started to liquidate small amounts of stock.
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Old 01-01-2018, 02:29 PM   #53
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10.7% all "organic," more than happy with that given our AA.
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Old 01-01-2018, 02:40 PM   #54
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If you count our two homes' value, our net worth increased by 13.00%. If you don't count homes, our net worth increased by 13.86%

My wife is still working while I am retired. I did a bit of consulting in January. We have been financially independent for a few years now.

Our investment plan called for us to spend down our portfolio a few percent in 2017. Obviously, that didn't happen. I would have been perfectly happy either way.

We don't plan on making any major changes in 2018. We paid off our daughter-in-law's student loans in 2017, so we won't have to spend that $17k again. Other than that, pretty much everything stays the same until my wife finally decides to hang up her career, perhaps in a few years.
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Old 01-01-2018, 03:07 PM   #55
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Maybe +8.5% without including real estate.
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Old 01-01-2018, 03:16 PM   #56
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Quote:
Originally Posted by PatrickA5 View Post
... I sure will be glad when these college expenses are gone. They can take a toll on your net worth!
Imagine paying those during the Great Recession of 2008-2009. More than one kid. And your part-time contracting work dried up at the same time. Wife already ER'ed. Beaucoup sweating.

ER is not always rosy and cushy like it has been the last few years.

PS. Time for some music.

You better look before you leap, still waters run deep
And there won't always be someone there to pull you out
And you know what I'm talkin' about



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OK, all you number crunchers, sharpen your calculators !
Old 01-01-2018, 03:30 PM   #57
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OK, all you number crunchers, sharpen your calculators !

10.8%. This after a WR of 1.28% for the year. Not including paid for home. I carry the home at cost including improvements. We did invest in the house this year, part of the WR.


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Old 01-01-2018, 04:27 PM   #58
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14% plus took out a chunk to pay off our house.

Also a rental that we got at a very good price four years ago also increased a lot as it is an entry level place and those are rising here much faster than more expensive homes.
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Old 01-01-2018, 05:00 PM   #59
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Financial planners and accountant calculate personal net worth by considering all assets less liabilities. So, it should include house (either at cost or fmv), RE and mortgages. A net number. That is how I calculated my number given.
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Old 01-01-2018, 05:35 PM   #60
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+12.6% - from new contributions & investments. Not including the value of my home, which probably went up but I really don't know. (How do you guys estimate that?)

Conservative AA, but it works for me.
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