Seven-year average percentage growth

[joesxm3]

My 2.6% to 3% is my guess of the portfolio return with expense spending factored out.

If I did an a annual rate including expenses it would probably be a loss of 0.6% per year.

Certainly not one of the stellar performers, but I think I can hold my head above water, especially if I can increase my equity allocation going forward. I actually have been increasing since all of my spending came out of cash.

[Whisper66]

Retired in 2015. Average growth since then has been 8.6%. Last full 7 years (2023 not included) averaged 8.2%. Asset allocation has varied from a high of 85/15 to 50/50 (equities / fixed).

[marko]

Perhaps another way to consider is the NET growth/loss over time. This would not only include organic growth but withdrawals and other additions.(aka Personal Rate of Return). Having a 9% growth isn't good if your withdrawals are 10% YOY.

Mine, for 5, 10 and 18 years has been ~6%, which I find hard to believe-- and conflicts with my spreadsheets--but that's what TRPrice calculates. This is due to when the withdrawals were made.

[Koolau]

Back of the envelope, I have about 50% more invested than when I retired. In the intervening years, I've taken 1% to 5% from my stash. That's all over 17 years. It sounds like about 3% growth off the top of my head. More than I need, I think, but YMMV.

[COcheesehead]

I am restating mine. Fidelity says 3.24% annually over the last 3 years. 9.1% annual over the last 7 years.

[Tadpole]

12.38 years retired; average increase in savings 5.88%/year.

[SecondCor521]

Quicken says for my three main retirement accounts (traditional, Roth, taxable) for the seven years ending yesterday have an average annual return of 11.24%. I *think* that's equivalent to IRR, but not 100% sure.

LTBH low-cost US broad-based index fund investor. Varied from 100/0 to 90/10 to 98/2 over that time frame.

[pb4uski]

7.24% for May 1, 2016 to yesterday.

6.20% for Jan 1, 2012 (when I retired) to today.

[Sunset]

2014 - 2022 inclusive (9 years)

We averaged 8.16% before inflation, over the past 9 years on NET value of everything, while taking out living expenses.

Inflation has averaged 2.73% during that time. So we are NOT complaining as long as inflation gets low again !!

NOTE: the inflation number is a number I record each year, from some official type source, but may vary depending upon where one looks, but I need some number as I also calculate our growth after inflation is subtracted.

[matjung]

Hi Street
Would you have a spread sheet that you can share with us.

[Dash man]

Mine shows 4.24% annual growth since 2016 without adding withdrawals back in. So my guess is about 7.2% total average returns after adding back in an estimate of our withdrawals.

[FREE866]

Quote:

Originally Posted by FREE866 I retired January 2017 so coming up on 6.5 years. right about 10% .....S and P has done better, but my exposure to international and small caps hurt me

Correction.


From January 2017 through December 2022 I annualized 8.8% not 10 %.
IWM, which is Russell 2000 , has really been a drag, as has my small % exposure to emerging markets.
Kind of disappointed that having diversification can have such a big disparity with the S and P , which annualized 12.2% in that time frame.

[garyt]

I've only been retired for 4 years and don't track my yearly returns but I have more money now than when I retired including $30K a year withdrawals so I'm happy

[Koolau]

To be precise, after 17 years FIRE'd, I have... Enough.

[street]

Quote:

Originally Posted by matjung Hi Street Would you have a spread sheet that you can share with us.

I would but I don't have spreadsheets. Just my annual percentage of growth I keep track of and have done an average of seven years.

[street]

Quote:

Originally Posted by Koolau To be precise, after 17 years FIRE'd, I have... Enough.

LOL!! Yep, that is all that counts and being a Happy ER Camper.

[FREE866]

Quote:

Originally Posted by street LOL!! Yep, that is all that counts and a being a Happy ER Camper.

I have to remember thats the most important thing, but now I'm all remorseful I didn't just go all in on S and P 500!!

[Koolau]

Quote:

Originally Posted by FREE866 I have to remember thats the most important thing, but now I'm all remorseful I didn't just go all in on S and P 500!!

Think how "rich" we'd all be if we had 20-20 hindsight and could act on it! I'll still settle for "enough" even though I (very) occasionally fantasize about "what ifs." YMMV

[matjung]

Quote:

Originally Posted by street I would but I don't have spreadsheets. Just my annual percentage of growth I keep track of and have done an average of seven years.

Did you withdraw any money in those years?

[street]

Quote:

Originally Posted by matjung Did you withdraw any money in those years?

No. No withdraws and not adding any new money.