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Old 01-02-2018, 05:38 AM   #81
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Doesn't matter. Short term market movements are noise. You need a long term strategy.
In his article, The Payout Period Reset Model, John Greaney at Retire Early Home Page makes the case that peak NW values can be used to reset the 4% SWR allowing for higher withdrawals without impacting 30 year survivability. While we don't currently use this model, I do track peak NW in case we want/need to use it in the future.

Edit to add - NW in this case defined as investable assets
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Old 01-02-2018, 05:44 AM   #82
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Our Net Worth grew 11.3% in 2017, even after all that crazy spending!

I include our house which dropped $1K in value according to the local appraisal district!
Oh, I forgot that we gave a substantial donation to our DAF too.
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Old 01-02-2018, 06:40 AM   #83
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A rather disappointing 9.1% I made relatively few financial transactions this year. I find it hard to buy either stocks or bonds at these prices, so I ended up with cash at nearly 15%.
My real estate went up but not nearly at the 20% the market did.
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Old 01-02-2018, 08:13 AM   #84
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A shade above 12%
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Old 01-02-2018, 08:55 AM   #85
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A rather disappointing 9.1% I made relatively few financial transactions this year. I find it hard to buy either stocks or bonds at these prices, so I ended up with cash at nearly 15%.
My real estate went up but not nearly at the 20% the market did.
Don't feel bad. My NW is up only by about +8.5% although my spending was low. Obviously, having a high equity allocation helped a bunch of people this year. I wasn't one of these people, but I should be happy with an increase in my NW rather than a decrease since this is only my 2-3 year into FIRE.
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Old 01-02-2018, 09:17 AM   #86
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Originally Posted by flintnational View Post
In his article, The Payout Period Reset Model, John Greaney at Retire Early Home Page makes the case that peak NW values can be used to reset the 4% SWR allowing for higher withdrawals without impacting 30 year survivability. While we don't currently use this model, I do track peak NW in case we want/need to use it in the future.

Edit to add - NW in this case defined as investable assets
I also track peak NW. I just like to keep those records.

I also track NW against CPI-U thus tracking real NW. it makes quite a difference over a few years.

2017 CPI increase through Nov was 2.71%. December numbers should be released mid month.
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Old 01-02-2018, 09:26 AM   #87
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15.7% including home equity
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Old 01-02-2018, 09:27 AM   #88
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Net worth went up around 46.5% in 2017. However, I'm still w*rking, so I'm still investing. Plus, I received a fairly sizeable inheritance in 2017. Rate or return is considerably lower, but still around 18.8%, so I'm not complaining!
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Old 01-02-2018, 09:32 AM   #89
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I'm largely invested in rentals and hold significant cash in the inherited IRA. I'm up 10.4 percent in total net worth for the year according to Personal Capital. That includes my house, which I did not increase in PC. If I used the Zillow values for the beginning and end of year values for my house, I would be up around 14.7 percent. Those values are a little aggressive, especially the year end value, so I'm probably up 12 to 13 percent. That includes taking RMD's from the inherited IRA and"spending" them.
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Old 01-02-2018, 09:35 AM   #90
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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?)

...
Mine went up 15% after taking out some for spending, also moved some from stocks to Bond like investments (CDs, Bond Fund, preferreds) so that was a drag on return.

I don't get too bent out of shape on the house estimate, I have a rough idea of the price of houses in neighborhood and use a low value for that to calculate net worth.

I exclude the house and car value and a few other things in calculating $$$ available for retirement.
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Old 01-02-2018, 09:37 AM   #91
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A rather disappointing 9.1% I made relatively few financial transactions this year. I find it hard to buy either stocks or bonds at these prices, so I ended up with cash at nearly 15%.
My real estate went up but not nearly at the 20% the market did.
I had the same problem. Accumulated cash and paid off debt instead. Positioning for the inevitable large corrections in both paper and real estate markets.
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Old 01-02-2018, 12:28 PM   #92
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20.9%, but that includes contributions and savings as I am still working and did not bother subtracting them out.
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Old 01-02-2018, 12:31 PM   #93
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+36% in 2017. Up from $622k to $848k.
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Old 01-02-2018, 12:40 PM   #94
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11.6% but I am way under budget in spending in 2017. But it's a nice feeling to not work and have an increase of that magnitude in NW. I keep waiting for the shoe to drop and knock me unconscious.
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Old 01-02-2018, 12:56 PM   #95
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... I keep waiting for the shoe to drop and knock me unconscious.
Gee, that's a bit extreme.

Even in 2008-2009, I was stunned by the severe drop, but I was still conscious. One has to be, if he expects to watch the market in order to buy low, er, rebalance.
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Old 01-02-2018, 01:09 PM   #96
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Wow, thanks for making me look. 32% for me, including contributions, excluding home equity
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Old 01-02-2018, 01:16 PM   #97
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I also track peak NW. I just like to keep those records.

I also track NW against CPI-U thus tracking real NW. it makes quite a difference over a few years.

2017 CPI increase through Nov was 2.71%. December numbers should be released mid month.
Keeping track of inflation is also part of my tracking sheet. I usually make a guess at the rate, then go back occasionally and change it to what it actually was. I'll maybe do that once or twice a year.

But I have columns for nominal, inflation adjusted, nominal spend adjusted, and inflation and spend adjusted.

Nominal this year was +11.1%.
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Old 01-02-2018, 01:45 PM   #98
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I finished the year at +17.37%.
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Old 01-02-2018, 05:26 PM   #99
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14% not including home value increase (which was so much as a percentage that I don't trust the figures).
58/25/17 allocation. Hard to believe NW went up that much.
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Old 01-02-2018, 06:38 PM   #100
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Don't do net worth anymore. If you bought an annuity 25 years ago, what is it worth today?
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