What is your decline in Net Worth as of today?

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LadyGeek
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Re: What is your decline in Net Worth as of today?

Post by LadyGeek »

This thread is now in the Personal Finance (Not Investing) forum (Net worth).
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island
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Re: What is your decline in Net Worth as of today?

Post by island »

nisiprius wrote:I don't know and I don't care.
Ditto. It is what it is.
WhiskeyJ
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Re: What is your decline in Net Worth as of today?

Post by WhiskeyJ »

My bonus was deposited today (17% of 2015 wages). So today it went up a bit :happy
There's always a couple days until the 401k hits, so I'm hoping the market doesn't rebound quickly...
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Re: What is your decline in Net Worth as of today?

Post by saltycaper »

Opinions on my worth vary. I'd like to think it increases every day, but I know some really bad days can drag it down. I never receive statements reporting my worth, nor can I fathom the great sum I owe.
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SGM
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Re: What is your decline in Net Worth as of today?

Post by SGM »

I never know my net worth. Portfolio size is down, but I don't add it up when the market is in a downward frenzy. Income is up in retirement. If I weren't retired I would be purchasing stock in a 401k and a taxable account regularly.

The only thing I am looking at right now is the value of my 2015 Roth conversion for consideration of a recharacterization back to a traditional IRA which will have an effect on Medicare premiums.
ge1
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Re: What is your decline in Net Worth as of today?

Post by ge1 »

My net worth is close to all time high due to large contributions.

My total losses are probably close to 100k YTD. Doesn't bother me in the slightest, I was able to buy at lower prices.
LXEX55
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Re: What is your decline in Net Worth as of today?

Post by LXEX55 »

My 401k is down 7.5% since January.
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Re: What is your decline in Net Worth as of today?

Post by ubermax »

chabil wrote:As of today our net worth has declined 5.4% from as of 12/31/15
AA is off by 3%.
Trying to see how others are faring. Are you re balancing?
Pre retireds and those retireds only requiring SS and pension are fairly comparable but retireds who are making asset draws will be a different group for this question ; and I don't know if many people are going to add back asset draws from the beginning of the year to answer a forum question that's worded in a way that will produce an apples to oranges comparison .
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PinotGris
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Re: What is your decline in Net Worth as of today?

Post by PinotGris »

Total portfolio (which is also our Net Worth since we do not count our house or cars etc) is down by 5.88% from 12/31/2015
AA equity is off by 4%.
I am considering re balancing with dividends which are usually reinvested into cash or bonds.

I am a bit surprised by people who say they do not care to look. It is easy for us because it is all right there on Vanguard where we have all our investments and also list the few that are non-Vanguard and all I need to do is look!
I think the market will re balance or I will. But I am curious so I look.
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Qtman
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Re: What is your decline in Net Worth as of today?

Post by Qtman »

We own a lot of real estate, so really never look at net worth.
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Re: What is your decline in Net Worth as of today?

Post by heyyou »

Lost a comma in 2008 but it grew back.
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Re: What is your decline in Net Worth as of today?

Post by Sandi_k »

I track the balances in our investment accounts monthly, but only do the Net Worth calcs in January and July.

From July 2015 to Jan 2016:

Our Net Worth increased by $20k - including investment contributions and increased equity in our house. So a decline in real terms of ~ $60k.

Our portfolio decreased by ~ $1k ($487k to $486k) even with nearly $10k in contributions.

We're OK with that. Our lump sum value and investment for my Defined Benefit pension increased by nearly $30k, and our house value increased by nearly $60k. Diversification works! :D
111
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Re: What is your decline in Net Worth as of today?

Post by 111 »

I estimate around 5% this year.
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steve roy
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Re: What is your decline in Net Worth as of today?

Post by steve roy »

I'm too lazy to figure it out.

Up, I think. We bought a house in another city 2 1/2 years ago and it's price is up 60%. So it more than makes up for stock losses.

But, like I say, I haven't noodled it out because it's irrelevant to my life and I'm slothful. So, for clarity's sake, put me in Nisi's camp. (I think his pup tent is right next to mine.)
daave
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Re: What is your decline in Net Worth as of today?

Post by daave »

YTD I'm down 9.37%.

80/20 stock/bond, 60/40 US/intl

I'm hoping stocks keep dropping through the end of March, when I have more cash to invest. Retirement is 25+ years away.
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Re: What is your decline in Net Worth as of today?

Post by stomie »

Funny no one was [(complaining) --admin LadyGeek] when the Dow shot up to 18K
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Re: What is your decline in Net Worth as of today?

Post by BTDT »

I'm guessing a nice high end Mercedes if I sold, but actually I may be buying again at my next band if the downward trend continues
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Re: What is your decline in Net Worth as of today?

Post by goodenyou »

This thread can go on indefinitely. Today I am up. Yesterday I was down.
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hnzw rui
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Re: What is your decline in Net Worth as of today?

Post by hnzw rui »

Portfolio is still quite small so net worth still going up with every paycheck.

new contributions > unrealized portfolio loss
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obgyn65
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Re: What is your decline in Net Worth as of today?

Post by obgyn65 »

Almost zero decline for me as I do not own any shares.
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Re: What is your decline in Net Worth as of today?

Post by Wildebeest »

island wrote:
nisiprius wrote:I don't know and I don't care.
Ditto. It is what it is.
My sentiments exactly.
The Golden Rule: One should treat others as one would like others to treat oneself.
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22twain
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Re: What is your decline in Net Worth as of today?

Post by 22twain »

chabil wrote:
22twain wrote:
chabil wrote:As of today our net worth has declined 5.4%
AA is off by 3%.
Starting from when?
Sorry I missed that. Starting 12/31/15
OK, as of Wednesday evening (since you asked on Thursday), I was down about 4.6% since the beginning of the year, about as expected with a stock/"bond" allocation in the (high 40s)/(low 50s).
It's "Roth", not "ROTH". Senator William Roth was a person, not an acronym.
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Re: What is your decline in Net Worth as of today?

Post by Rotsevni »

I try not to look at it often, but since i'm pretty new in investing and started in september '15 i'm very curious about how my portfolio is doing. Last time I looked (1 week ago) at my portfolio I saw a decline of about 6-7%. It made me a little bit nervous since I don't know my tolerance for risk, but I think the most important thing I learnt from this forum is to stay the course, and that's exactly what i'm going to do :D
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Bustoff
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Re: What is your decline in Net Worth as of today?

Post by Bustoff »

Sorry, I'm not a math guy.
All I know is that my pile is now bigger than it was before I retired -- which was 5 years ago.
Woodshark
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Re: What is your decline in Net Worth as of today?

Post by Woodshark »

Good gosh, I can't follow the daily, weekly or even monthly gyrations. It would drive me crazy.

I do know that in 1990 I had a net worth of around $6,000. Now it's still in two comma club range. So all in all I'm happy with it.
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Re: What is your decline in Net Worth as of today?

Post by bobbyrab »

My total net worth is down approximately 4% since December 31st. I am buying Vanguard mutual funds in the month of January however during this "white sale". :D
Remember - the tortoise DID beat the hare.
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Re: What is your decline in Net Worth as of today?

Post by travellight »

0.7% down ytd.
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Tycoon
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Re: What is your decline in Net Worth as of today?

Post by Tycoon »

This thread forced me to check. 5.65%

The dollar amount is much more eye opening than the percentage. :shock:
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Re: What is your decline in Net Worth as of today?

Post by itstoomuch »

I like surveys. Pretty meaningless.
About even, since 01Jan2016. Only 18-20% of retirement assets is directly influenced by Stock-Bond market. I moved a bunch to cash in Dec and had a big stock popup on 12Feb2016. This bucket of 20% is extra to our needs. 65/68. Have LTCi.
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Re: What is your decline in Net Worth as of today?

Post by ofcmetz »

It's down about 2.5%. I've made a few house payments already this year and have put a bit back into investments as well so there is that. I would never have checked if I hadn't stumbled across this thread.
Never underestimate the power of the force of low cost index funds.
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Re: What is your decline in Net Worth as of today?

Post by IPer »

[OT comment removed by admin LadyGeek]
Read the Wiki Wiki !
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burt
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Re: What is your decline in Net Worth as of today?

Post by burt »

Recently retired and down -1.8% this year. Conservative 30/70 stock/bond portfolio.
(down -3% including December 2015)

Reminds me of the Zvi Bodie video's on YouTube.
"Every morning, look at yourself in the mirror and say: Do Not Lose Money Today".
He advocated TIPS. If the low return of TIPS do not meet your retirement goals, reset your goals. Work longer, save more, spend less.

For people of modest means, savings/investments are needed for survival. Food, clothing, shelter, medical. These people really don't have the ability to take risk.

For people of high net worth, it means selling the vacation home and boat. Yes, it hurts but life is still good.

burt
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Re: What is your decline in Net Worth as of today?

Post by SpringMan »

Since 1/1/2016 we are down 3.2% on a 40/60 portfolio. 2015 we ended up flat with a high water mark in May. Yes we have rebalanced and currently are at 41/59 after rebalancing.
Best Wishes, SpringMan
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Re: What is your decline in Net Worth as of today?

Post by Dan999 »

Since 12/31/15 down 2.14%.
Stocks vary from 25-35%, rest bonds.
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Re: What is your decline in Net Worth as of today?

Post by supernova72 »

2016 YTD is down about 6.5% (401K). 70/30 mix. This excludes future (fingers crossed) DB pension income which will be 50% of my retirement income.
inbox788
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Re: What is your decline in Net Worth as of today?

Post by inbox788 »

Toons wrote:Not really paying attention.
I can say it is up substantially since 2009.
The glass is always Half FULL :happy
I just check an account that was down about 1% last Friday, but is positive YTD today! Haven't checked my other accounts, but for me, today is the day I start asking "What is your increase in Networth as of today?"

Guess you can say it was half empty and now it's half full. :D
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Re: What is your decline in Net Worth as of today?

Post by skylar »

Started from close to 0 10 years ago, so I'm still up by a lot from there. :)

Not really sure that looking at six weeks of gains/losses is a great use of time, unless you want to rebalance.
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Re: What is your decline in Net Worth as of today?

Post by Raven2 »

I don't know and don't care because it is a long term investment and checking may cause me to do something stupid. Did you check the value of your house today?
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Re: What is your decline in Net Worth as of today?

Post by reggiesimpson »

My net worth goes up every year because i LBYM.
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PinotGris
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Re: What is your decline in Net Worth as of today?

Post by PinotGris »

Down by 4.8% from 12/31/2015 and AA (60:40) off by 3%. I don't plan to re-balance.
kaudrey
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Re: What is your decline in Net Worth as of today?

Post by kaudrey »

I only check monthly, so from 12/31/15 to 1/31/2016, we were down about 5%. We are 80/20.

I've been slowly altering our AA from 90/10 80/20 over the last few years, and I wasn't there yet until the markets fell. So I didn't have to rebalance to hit my target AA - the markets did it for me!
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Re: What is your decline in Net Worth as of today?

Post by Ron »

Net worth or portfolio value?

There is a difference...

Also, if it is either, compared to what date?

- Ron
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PinotGris
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Re: What is your decline in Net Worth as of today?

Post by PinotGris »

Ron wrote:Net worth or portfolio value?

There is a difference...

Also, if it is either, compared to what date?

- Ron
Networth less house and other personal assets. Or portfolio value if you prefer as long as you compare the same thing!
Compared to 12/31/2015.

Net worth decline - 3.33%
AA (60:40) is off 3.3% as well in equity.
Grasshopper
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Re: What is your decline in Net Worth as of today?

Post by Grasshopper »

Doing better than 2008-2009, I came close to getting kicked out of Flagship status. Today I have a long way to go before that would happen. :beer
Non7WoodUser
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Re: What is your decline in Net Worth as of today?

Post by Non7WoodUser »

Down around 10%. The economy is in a deep recession.
emoore
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Re: What is your decline in Net Worth as of today?

Post by emoore »

Non7WoodUser wrote:Down around 10%. The economy is in a deep recession.
It is?
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Phineas J. Whoopee
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Re: What is your decline in Net Worth as of today?

Post by Phineas J. Whoopee »

Today from yesterday? Negative. Probably. I dunno. You wanna make me an offer on my dwelling I'm not selling so I know how much to add or subtract? I'm assuming it's around 20% of net worth, but decreasingly have satisfactory reasoning. Please offer yesterday too so I can calculate the change

You mean decline in one day or from first investment purchase of a financial asset I still have or first installment on student debt or first borrowing or what?

I'm up a lot, so decline is down, from being very well educated but very much in the hole. Whole. Hwatever.

My net is well-seasoned, so I probably couldn't get very much for it, not even from an impassioned amateur volleyball team.

In US dollars?

PJW
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