Seven-year average percentage growth

[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]

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]

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]

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]

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]

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]

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]

Did you withdraw any money in those years?

No. No withdraws and not adding any new money.

 

[frank2009]

My vanguard performance page indicates about 9.5% over the past 10 years. My largest holding ,by far, over that time has been the Total World fund (VTWAX).

 

[FREE866]

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

I know...have to not get caught up in "I should have done...."


Bottom line after 6.5 years my portfolio is up ~45% including withdrawals since January 2017

 

[GaryInCO]

My money was tied up while y'all were feasting on bull-market returns, so I missed out on all those juicy goodies. I finally broke loose a significant amount and sunk it into the market -- in early 2022. My usual perfect timing.

 

[Sunset]

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

How I do it, is each year I add up our net worth.
Then I subtract out a couple of things like the house, cars, to get 'investible' or true retirement amount.

Then each year I compare how much that went up/down to the previous year, which gives me the growth for that year.
(At this point I also have a column of inflation for the year, and subtraction gives me the "Purchasing Power" of my beginning $1.)

I take the average of all those +/- growths to get the average per year.

I like using the net worth way because it's simple:

• I want to know the net worth.
• It includes all the different sources of $$, so don't have to look up how much VTI went up last year, plus 40 other funds/stocks/etc.. and apply some ratio to each.

 

[Winemaker]

We have increased our investable assets by 50% since 12/2014 and have withdrawn $480k. We have converted a like amount, and are happy and thankful with having enough.

 

[Archman]

I use the geometric mean to calculate my average annual growth rate. For a 11 year period, my average annual growth rate is 9.12%

it is more appropriate to use the geometric mean rather than the arithmetic mean. The geometric mean takes into account the compounding effect of growth over time, which is better when analyzing investment returns.

 

[NanoSour]

Retired Jul 1, 2013 and here are my numbers tracking XIRR with every deposit & withdrawal to my invested accounts.


XIRR - 6.97%
CPI - 2.72%
Real XIRR - 4.25%


Kept a 60/40 3-Fund portfolio as best I could

 

[orbops]

I have been early retired for 7 years as of April 2023. My average return for the past 7 years is 10.37%.

 

[Retire52]

Since retirement 6 years ago without adjusting for inflation, started with 2m have 3.2m after drawing $50k/yr.

With investments spread between 65% large cap, 20% small cap, 10% international index and remainder in cash.

Easiest money I've ever made.

 

[Koolau]

Since retirement 6 years ago without adjusting for inflation, started with 2m have 3.2m after drawing $50k/yr.

With investments spread between 65% large cap, 20% small cap, 10% international index and remainder in cash.

Easiest money I've ever made.

While still w*rking, I still recall the first time I realized my stash was making more money than I was! Why didn't I quit the next day? I was having too much fun.