HawkeyeNFO
Thinks s/he gets paid by the post
A bit over 20%, no house value included. With an AA that is all equities, I'm a risk taker. Military pension is pretty rock solid to counter the volatility.
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Up 13.6% not including home equity.
Doesn't matter. Short term market movements are noise. You need a long term strategy.
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!
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.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.
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
+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?)
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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.
Gee, that's a bit extreme.... I keep waiting for the shoe to drop and knock me unconscious.
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.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.