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Retired for more than 7 years, what % has your NW increased or decreased?
Old 10-31-2020, 06:26 AM   #1
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Retired for more than 7 years, what % has your NW increased or decreased?

For those that have been retired for several years, what is the % increase cor decrease in your NW?
Years retired____
With pension or SS___
Percentage increase____
Withdrawal rate*____
* of Nest Egg only, if known.
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Old 10-31-2020, 06:32 AM   #2
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When I retired in 2008, the equities had just bombed. 12 years later, I'm far ahead of where I was even prior to the market decline that year. I was fortunate to avoid drawing on the IRA Rollover account until the RMD's kick in 14 years after I retired.

I don't keep records on exactly where I was at when I retired, howeve.
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Old 10-31-2020, 07:03 AM   #3
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A lot more, do not know exactly the numbers OP requested, except we do not take SS yet. We do not have a standard withdrawal rate, we take what we need/want. AND, we are only fixed income investors.
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Old 10-31-2020, 07:08 AM   #4
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Years retired__11__
With pension or SS_both approx $70/yr__
Percentage increase_400%___
Withdrawal rate*_2%___
* of Nest Egg only, if known
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Old 10-31-2020, 07:13 AM   #5
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Quote:
Originally Posted by Time2 View Post
For those that have been retired for several years, what is the % increase cor decrease in your NW?
Years retired____
With pension or SS___
Percentage increase____
Withdrawal rate*____
* of Nest Egg only, if known.
Retired 7 years as of December 2020, retired December 2012
Pension at retirement age 56 Started SS for me at age 62, Started SS for DW at age 64.
Percentage increase (assuming you mean net worth) 35% of liquidity. Does not include real property
Withdrawal rate 0% (Pension and SS provides enough) However, RMD will be around $50,000 annual at the start. I'm 64 right now.

My raw income numbers are monthly;
Pension $5,600
My SS $2,122
DW SS $1,170
------------------
Inc Tot $8,892

No mortgage, pension pays medical

Something you DIDN'T ask; inheritance. Inheriting can really boost net worth outside your assumption NW grew out of investments and pension/SS underspending. I recently inherited a small amount; $100,000 range. I did not include that in my numbers. However, had I inherited it last year, I probably would have and not made the distinction as I'm doing now.
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Old 10-31-2020, 07:48 AM   #6
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https://www.early-retirement.org/for...re-105140.html was a similar thread you might find interesting.

Are you just curious, or are you thinking to use this information as guidance? The future is unlikely to mirror the past.
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Old 10-31-2020, 07:51 AM   #7
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In round numbers, our net worth has remained relatively stable, which is my goal at this stage of the game.
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Old 10-31-2020, 08:01 AM   #8
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We’re all different so not sure what purpose it serves...

Years retired me 9+ years, DW 1+ years
With pension or SS no pensions, SS still 4-6 years away
Percentage increase about 70%, IOW portfolio is 170% of 9 years ago
Withdrawal rate* including unreinvested dividends 1.0% WR ranging from 0 to 1.7% (Roth conversions). This year and the next 4-5 will be a little higher due to Roth conversions, but WR will fall even lower once we stop conversions and start SS and RMDs. Yes, we should probably spend more...
* of Nest Egg only, if known.

Here's what we're "supposed to" withdraw according to our plan, but we're nowhere near it because we don't spend anything l like what we're "supposed to."
Attached Images
File Type: jpg WR.jpg (116.7 KB, 152 views)
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Old 10-31-2020, 08:14 AM   #9
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Years retired: nearly 8
With pension or SS: $1,384/mo. SS on hold
Percentage increase: ~300%
Withdrawal rate <3%
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Old 10-31-2020, 08:26 AM   #10
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It’s so dependent on when you retired and what markets did afterwards. We are currently after a very long bull market - no indication that the next decade will repeat. Not sure how other poster’s past experiences can inform.
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Old 10-31-2020, 08:48 AM   #11
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You might look at firecalc or it’s evil twin and look at 10 year outcomes of portfolios assuming different withdrawal rates over different periods in history. That will give you a more realistic view.
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Old 10-31-2020, 09:00 AM   #12
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Retired 7 years. DW gets her SS of $1400 monthly, mine will be 3k in a couple more years, been living on 3% withdrawals no pensions. Nest egg is up 30% since I retired.
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Old 10-31-2020, 09:06 AM   #13
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Quote:
Originally Posted by tb001 View Post
You might look at firecalc or itís evil twin and look at 10 year outcomes of portfolios assuming different withdrawal rates over different periods in history. That will give you a more realistic view.
Just out of curiosity I tried this at 3.5 and 4% withdrawal rates. Itís a pretty useful/informative exercise. There were several periods that the portfolio was down by 50% using 75% equities at 10 yrs.
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Old 10-31-2020, 09:45 AM   #14
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I retired ago today. The markets were crashing, so my portfolio's value was down, something which actually helped me quite a bit. Since then, it has nearly doubled (+93%). I am not old enough for SS or o get my frozen company pension. My WR is about 2%.
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Old 10-31-2020, 09:59 AM   #15
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Quote:
Originally Posted by RunningBum View Post
https://www.early-retirement.org/for...re-105140.html was a similar thread you might find interesting.

Are you just curious, or are you thinking to use this information as guidance? The future is unlikely to mirror the past.
My curiosity was aroused by another thread. https://www.early-retirement.org/for...ml#post2504740
I'm 2 years retired, We're up about 23% in those two years even with the recent down market.
Yes, we had a great 2012 to 2017 where we had a double, but yep, that is no predictor of the future.
I'm very close to FRA and wife is has about 5 years to go. We should have zero problems. Ah, financially! :-)
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Old 10-31-2020, 11:28 AM   #16
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7 years retired.
Small SS survivors benefit for the last 2 years
4% - 5.5% WR
Up 40%
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Old 10-31-2020, 11:28 AM   #17
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Years retired : 14
With pension or SS : No pension, SS just started at 62
Percentage increase : 115%
Withdrawal rate : 4-5%
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Old 10-31-2020, 11:34 AM   #18
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Years retired: 8 1/2 years
With pension or SS: $36K pension annually; SS not yet
Percentage increase: 110%
Withdrawal rate: 1.68%
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Old 10-31-2020, 11:45 AM   #19
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Retired over 21 years ago - OMG!
no pension, no SS yet.
Net worth and liquid investments have more than doubled - but cumulative inflation over 21 years is significant - like 55%.
Withdrawal rate - around 3%
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Old 10-31-2020, 12:11 PM   #20
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FWIW...

I've been retired 7 years. DW 4.

We each have small pensions that cover roughly 60% of spend.

SS is still many years away. DW is 60; I'm 59. We'll likely start at FRA (her) and 70 (me). Once we're both collecting, it will be roughly the same as the two pensions, maybe a bit more.

Withdrawal rate fluctuates around 2.5%, almost all of which comes from dividends. We do sell shares occasionally in taxable, but reinvest the same (or larger) in tax-deferred and tax-free. So in effect, it all comes from dividends.

Our combined portfolio is up 36% from the day I told my boss I was going to retire in 2013.
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