Retired for more than 7 years, what % has your NW increased or decreased?

[indiajust]

Retired Sept 2008, just over 12 years. No FICA/ACA/Medi/pension, living on savings, dividends/interest/cap gains. 57. Planning on taking at 62.5 before currency ruined.

Allocation was 96/4 RE/Cash. Now 13/86/1 structured debt/stock/cash.

Net worth has gone from 447k to 1.484M during retirement.

Spending avg 2400/month. Annualized ROI (after life return) is about 10.5% a year.

WR is about 30k a year, so started at 6.7% now at 2%.

 

[mickeyd]

15+ years years retired
We both receive SS and we have several pensions (pays all expenses)
Since all withdrawals (RMD) are reinvested, I guess I have a 0% WR at this time.

 

[Offgrid Organic Farmer]

15+ years years retired
We both receive SS and we have several pensions (pays all expenses)
Since all withdrawals (RMD) are reinvested, I guess I have a 0% WR at this time.

I think the OP was asking:
"... what % has your NW increased or decreased?"

How does your Net Worth compare from before you retired, to today?

 

[audreyh1]

Having updated my net worth tracking spreadsheet recently due to new highs (knock on wood!!!):

I had some interesting personal data to share.

I track our net worth against inflation, since over a long period of time that is what matters to us. If we beat inflation, we win the game. Any excess above inflation we feel like is a gift. We are fine with spending down our investments, but it's nice when they beat inflation.

I have net worth tracked against Dec 1999 (I retired in August 1999), and Dec 2011. So I'm comparing almost 20 years and also the recent seven years. The two time periods simply have to do my record keeping and are coincidental.

What is interesting is that the real growth over the two time periods is virtually identical:

• Growth in net worth since Dec 1999 is 104.5%, but after almost 21 years of inflation, real growth is 49.80%
• Growth in net worth since Dec 2011 is 65.2%, but after almost 9 years of inflation is 49.85%

That indicates that real growth went below zero at some point during 2000-2011, and recovered by the end of 2011, and that is basically what happened. The difficult 2000-2011 period (which had two nasty bear markets) we at least managed to catch back up with inflation by the end of it, but the real growth happened after that period. Well - actually didn't break even until 9/2012. At 12/2011 we were still down 10% in real terms. Also, FWIW, inflation from 2012 - 2020 has been quite a bit lower than the previous period. And obviously, the longer the time period, the bigger the bite from cumulative inflation.

I use the following calculator for cumulative inflation over long time periods. http://inflationdata.com/inflation/inflation_calculators/Cumulative_Inflation_Calculator.aspx

 

[RockyMtn]

Retired July 2009 at 51.
Net Worth up 125% since then.
Pension of $36k now. Another one of $15k at 65. Both non cola'd.
SS at 67 or 70 haven't decided yet.
Withdrawal rate about 1%.
Can't seem to spend more so am starting to give it away!

 

[rk911]

retired in 2005 at 55. NW includes all assets...cash, house, cars, investment accounts but does not include monthly pensions or SS. we have zero debt other than that which is incurred during any given month. CCs are paid in full each month.

NW has increased ~140% since FIRE date and up nearly 14% compared to the end of 2019. Using the calculator Audrey cited inflation rose ~30% between Jan 2006 and December 2019. i track our gross NW weekly.

we have positive cash flow each month and have a 0% withdrawal rate since we get by quite nicely on pensions and SS. life is not good, it's great.