|
|
01-02-2018, 04:38 AM
|
#81
|
Thinks s/he gets paid by the post
Join Date: Mar 2008
Location: Atlanta Suburb
Posts: 1,499
|
Quote:
Originally Posted by 43210
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
__________________
"Oh, twice as much ain't twice as good
And can't sustain like one half could
It's wanting more that's gonna send me to my knees" - John Mayer
|
|
|
|
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!
Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!
You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!
|
01-02-2018, 04:44 AM
|
#82
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 38,006
|
Quote:
Originally Posted by audreyh1
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.
__________________
Retired since summer 1999.
|
|
|
01-02-2018, 05:40 AM
|
#83
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Oct 2006
Posts: 7,733
|
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.
|
|
|
01-02-2018, 07:13 AM
|
#84
|
Full time employment: Posting here.
Join Date: May 2015
Location: Atlanta suburbs
Posts: 633
|
A shade above 12%
|
|
|
01-02-2018, 07:55 AM
|
#85
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: May 2008
Posts: 5,176
|
Quote:
Originally Posted by clifp
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.
|
|
|
01-02-2018, 08:17 AM
|
#86
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 38,006
|
Quote:
Originally Posted by flintnational
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.
__________________
Retired since summer 1999.
|
|
|
01-02-2018, 08:26 AM
|
#87
|
Dryer sheet aficionado
Join Date: Mar 2011
Location: New York
Posts: 44
|
15.7% including home equity
|
|
|
01-02-2018, 08:27 AM
|
#88
|
Thinks s/he gets paid by the post
Join Date: Aug 2005
Location: Crownsville
Posts: 3,709
|
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!
|
|
|
01-02-2018, 08:32 AM
|
#89
|
Thinks s/he gets paid by the post
Join Date: Jan 2013
Posts: 3,405
|
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.
|
|
|
01-02-2018, 08:35 AM
|
#90
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jul 2014
Location: Spending the Kids Inheritance and living in Chicago
Posts: 17,010
|
Quote:
Originally Posted by lucky penny
+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.
|
|
|
01-02-2018, 08:37 AM
|
#91
|
Thinks s/he gets paid by the post
Join Date: Jan 2013
Posts: 3,405
|
Quote:
Originally Posted by clifp
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.
|
|
|
01-02-2018, 11:28 AM
|
#92
|
Thinks s/he gets paid by the post
Join Date: Nov 2013
Posts: 1,030
|
20.9%, but that includes contributions and savings as I am still working and did not bother subtracting them out.
|
|
|
01-02-2018, 11:31 AM
|
#93
|
Recycles dryer sheets
Join Date: Jan 2016
Posts: 66
|
+36% in 2017. Up from $622k to $848k.
|
|
|
01-02-2018, 11:40 AM
|
#94
|
Thinks s/he gets paid by the post
Join Date: Feb 2012
Location: Tampa Bay Area
Posts: 1,866
|
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.
__________________
"For the time being no discipline brings joy, but seems grievous and painful; but afterwards it yields a peaceable fruit of righteousness to those who have been trained by it." ~
Hebrews 12:11
ER'd in June 2015 at age 52. Initial WR 3%. 50/40/10 (Equity/Bond/Short Term) AA.
|
|
|
01-02-2018, 11:56 AM
|
#95
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jul 2008
Posts: 35,712
|
Quote:
Originally Posted by Live And Learn
... 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.
__________________
"Old age is the most unexpected of all things that happen to a man" -- Leon Trotsky (1879-1940)
"Those Who Can Make You Believe Absurdities Can Make You Commit Atrocities" - Voltaire (1694-1778)
|
|
|
01-02-2018, 12:09 PM
|
#96
|
Full time employment: Posting here.
Join Date: May 2017
Posts: 797
|
Wow, thanks for making me look. 32% for me, including contributions, excluding home equity
|
|
|
01-02-2018, 12:16 PM
|
#97
|
Moderator
Join Date: Oct 2010
Posts: 10,656
|
Quote:
Originally Posted by audreyh1
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%.
|
|
|
01-02-2018, 12:45 PM
|
#98
|
Full time employment: Posting here.
Join Date: Jul 2016
Location: gypsy traveller
Posts: 676
|
I finished the year at +17.37%.
|
|
|
01-02-2018, 04:26 PM
|
#99
|
Thinks s/he gets paid by the post
Join Date: Oct 2012
Location: Reno
Posts: 1,331
|
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.
|
|
|
01-02-2018, 05:38 PM
|
#100
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jul 2006
Location: Pacific latitude 20/49
Posts: 7,677
|
Don't do net worth anymore. If you bought an annuity 25 years ago, what is it worth today?
__________________
For the fun of it...Keith
|
|
|
|
|
Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
|
|
Thread Tools |
|
Display Modes |
Linear Mode
|
Posting Rules
|
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts
HTML code is Off
|
|
|
|
» Recent Threads
|
|
|
|
|
|
|
|
|
|
|
|
|
» Quick Links
|
|
|