Share your Net Worth Regression
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Re: Share your Net Worth Regression
We’re down around 500k by the looks of it in the liquid portfolio. About -9% of NW, if we include the house equity. Thankful for Stable Value fund which has “preserved” most of my fixed income allocation for the time being.
I took a 4 month break this year between work and was living off my portfolio (the overweighted cash part anyway) during this decline. I didn’t expect the anxiety I felt over not contributing regularly when stocks are falling. After so many years taking comfort in automatic investments going in during declines, I got a preview of the mental challenges of cutting off the income stream one day in full retirement. Interesting.
I took a 4 month break this year between work and was living off my portfolio (the overweighted cash part anyway) during this decline. I didn’t expect the anxiety I felt over not contributing regularly when stocks are falling. After so many years taking comfort in automatic investments going in during declines, I got a preview of the mental challenges of cutting off the income stream one day in full retirement. Interesting.
Re: Share your Net Worth Regression
Down about 900k since Jan. 1. Volatility was more than overall stock market due to employer stock options.
Last edited by Firemenot on Sat May 07, 2022 11:54 am, edited 2 times in total.
Re: Share your Net Worth Regression
Ah yes, thank you!iamlucky13 wrote: ↑Fri May 06, 2022 7:01 pmNo, not a ex-multi-millionaire, but rather a multi-ex-millionaire.
Re: Share your Net Worth Regression
ATH 579K Begining of year
Now 547k
Considering that there is fresh money going in every 2 weeks, the fall is perhaps more.
Home equity not added to these figures. Paper home equity of approx 140k.
Now 547k
Considering that there is fresh money going in every 2 weeks, the fall is perhaps more.
Home equity not added to these figures. Paper home equity of approx 140k.
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Re: Share your Net Worth Regression
Have you been peeking at my NW?
Anyway, I prefer to look at the number of shares that are climbing.
They're cheaper these days. That's good right?
- InvestorNewb
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Re: Share your Net Worth Regression
- 235,000
Proof that stocks don't keep up with inflation, at least not in the short term
Proof that stocks don't keep up with inflation, at least not in the short term
My Portfolio: VTI [US], VXUS [Int'l], VNQ [REIT], VCN [Canada] (largest to smallest)
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Re: Share your Net Worth Regression
12/31/2021 - 05/06/2022 Decrease =$337,680.91*
* includes TIRA distributions of $16,280 for living expenses.
No external $$$ additions to Vanguard portfolio, YTD portfolio dividends = $8,284.39.
Latest home equity estimates run from $40,000 to $100,000 increase, difficult to take any home equity figure seriously. I'll continue to only watch our investible portfolio as it funds our retirement.
Broken Man 1999
* includes TIRA distributions of $16,280 for living expenses.
No external $$$ additions to Vanguard portfolio, YTD portfolio dividends = $8,284.39.
Latest home equity estimates run from $40,000 to $100,000 increase, difficult to take any home equity figure seriously. I'll continue to only watch our investible portfolio as it funds our retirement.
Broken Man 1999
“If I cannot drink Bourbon and smoke cigars in Heaven then I shall not go." - Mark Twain
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Re: Share your Net Worth Regression
Anyone in this post retired and/or retiring this year?
Re: Share your Net Worth Regression
Changes in portfolio value are a little distorted due to funds being added to tax-advantaged and ROTH accounts .... but ...
change in portfolio value between 9.30.2021 and 12.31.2021 - up 6.62 % (Highest portfolio value)
change in portfolio value between 12.31.2021 and 3.31.2022 - down 4.53 %
change in portfolio value between 3.31.2022 and 5.6.2022 - down 6.99 %
change in portfolio value between 9.30.2021 and 12.31.2021 - up 6.62 % (Highest portfolio value)
change in portfolio value between 12.31.2021 and 3.31.2022 - down 4.53 %
change in portfolio value between 3.31.2022 and 5.6.2022 - down 6.99 %
Re: Share your Net Worth Regression
December 31st 2021-$1,125,000
May 6th 2022-$976,000
May 6th 2022-$976,000
Stocks-80% || Bonds-20% || Taxable-VTI/VXUS || IRA-VT/BNDW
Re: Share your Net Worth Regression
I am.Vanguard User wrote: ↑Sat May 07, 2022 7:02 pm Anyone in this post retired and/or retiring this year?
I'm down 7x on expenses....currently 86x versus 93x at beginning of year.
- 9-5 Suited
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Re: Share your Net Worth Regression
Good thread idea. It’s nice to be able to shares the down impact in the portfolio without the noise of the Freefall thread. Therapeutic in a way, for many.
For me, went from $3.3 to $3.0 since January 1st. 65/35 portfolio with modest small/value tilt and 40% ex-US in equities. Some work bonuses and consistent contributions have helped slightly, but as many others have observed once your portfolio gets high enough it’s like a drop in the ocean so to speak.
I suppose I’m reasonably proud of myself, as this level of wealth is newer to me due to a fortunate equity event. I wasn’t sure how I’d feel losing almost $200k in a month and a half, but so far so good on being sanguine about it and eagerly adding money to the (most) declining assets.
For me, went from $3.3 to $3.0 since January 1st. 65/35 portfolio with modest small/value tilt and 40% ex-US in equities. Some work bonuses and consistent contributions have helped slightly, but as many others have observed once your portfolio gets high enough it’s like a drop in the ocean so to speak.
I suppose I’m reasonably proud of myself, as this level of wealth is newer to me due to a fortunate equity event. I wasn’t sure how I’d feel losing almost $200k in a month and a half, but so far so good on being sanguine about it and eagerly adding money to the (most) declining assets.
- 9-5 Suited
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Re: Share your Net Worth Regression
If it keeps going like this, you’ll have to buy a cheaper brand of caviarlostcoast wrote: ↑Sat May 07, 2022 9:02 pmI am.Vanguard User wrote: ↑Sat May 07, 2022 7:02 pm Anyone in this post retired and/or retiring this year?
I'm down 7x on expenses....currently 86x versus 93x at beginning of year.
Re: Share your Net Worth Regression
Many years ago I was with family enjoying a fine brunch in South Lake Tahoe.9-5 Suited wrote: ↑Sat May 07, 2022 9:40 pmIf it keeps going like this, you’ll have to buy a cheaper brand of caviarlostcoast wrote: ↑Sat May 07, 2022 9:02 pmI am.Vanguard User wrote: ↑Sat May 07, 2022 7:02 pm Anyone in this post retired and/or retiring this year?
I'm down 7x on expenses....currently 86x versus 93x at beginning of year.
I didn't have the heart to tell my father-in-law that the caviar he was raving about was just capers.
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Re: Share your Net Worth Regression
Down more than $500K, not happy to say the truth.
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Re: Share your Net Worth Regression
You mean you are spending less?lostcoast wrote: ↑Sat May 07, 2022 9:02 pmI am.Vanguard User wrote: ↑Sat May 07, 2022 7:02 pm Anyone in this post retired and/or retiring this year?
I'm down 7x on expenses....currently 86x versus 93x at beginning of year.
Re: Share your Net Worth Regression
…haven’t lost a single share. Still own 30,000 plus TSP C fund shares and buying more every two weeks.Little_Carmine wrote: ↑Fri May 06, 2022 10:49 am I’ve noticed the “share your net worth progression” thread becomes oddly quiet during times of market declines.
Thought this thread could be used to talk about “regressing” (aka, net worth decreasing) to keep net worth discussion going.
Even if your net worth decreased for reasons other than the market tanking, you can share that as well.
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Re: Share your Net Worth Regression
3/29/2022 - 2.2M
5/7/2022-1.76M
Mostly down due to employer stock falling 70% before my cliff vesting and trading blackout expiry. As these are options I am almost underwater so will hold instead of selling.
5/7/2022-1.76M
Mostly down due to employer stock falling 70% before my cliff vesting and trading blackout expiry. As these are options I am almost underwater so will hold instead of selling.
Re: Share your Net Worth Regression
Dec 21: $1.52M
May 22: $1.43M
Numbers include house appreciation offset by paying for a semester of MIT.
Meh ¯\_(ツ)_/¯
May 22: $1.43M
Numbers include house appreciation offset by paying for a semester of MIT.
Meh ¯\_(ツ)_/¯
If you torture the data long enough, it will confess to anything. ~Ronald Coase
Re: Share your Net Worth Regression
Dec 2021 - $2.32 M
May 2022 - $2.26 M
May 2022 - $2.26 M
Three-fund portfolio |
"Simplicity is the master key to financial success." John C. Bogle
Re: Share your Net Worth Regression
Similar...
Re: Share your Net Worth Regression
1.3 mill at the peak last year now around 930k. All in on Tesla. Also been messing around with options to much on QQQ and been getting burned.
Re: Share your Net Worth Regression
Down by 300k
Re: Share your Net Worth Regression
637K unrealized capital loss YTD (12X uncovered retirement expenses); thank heavens my G Fund is up $1200 in the period
Re: Share your Net Worth Regression
Down $617k thus far in 2022 (w/o considering primary residence). That's with an AA of 77/18/5. No safe havens in the portfolio thus far this year.
Re: Share your Net Worth Regression
+1runner3081 wrote: ↑Fri May 06, 2022 11:16 am Who knows, don't check it very often. Net worth either means a lot of very little, depending on your stage in life.
I was very focused on net worth earlier in my accumulation phase (late 20s-mid-late 30s?). I no longer track it and simply maintain focus on savings, investments, and continuous learning about how to manage both (turning age 50 this year).
- HMSVictory
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Re: Share your Net Worth Regression
Now that made me laugh. "It really is divine isn't it Dad"!lostcoast wrote: ↑Sat May 07, 2022 9:45 pmMany years ago I was with family enjoying a fine brunch in South Lake Tahoe.9-5 Suited wrote: ↑Sat May 07, 2022 9:40 pmIf it keeps going like this, you’ll have to buy a cheaper brand of caviarlostcoast wrote: ↑Sat May 07, 2022 9:02 pmI am.Vanguard User wrote: ↑Sat May 07, 2022 7:02 pm Anyone in this post retired and/or retiring this year?
I'm down 7x on expenses....currently 86x versus 93x at beginning of year.
I didn't have the heart to tell my father-in-law that the caviar he was raving about was just capers.
Stay the course!
Re: Share your Net Worth Regression
My wife and I are planning on retiring next year and are planning on balancing to 50% stocks down the track; all new contributions go into S&P funds.
1/1/2022 $1,528,000 52%/45%/3% Stocks/Bond/Cash
5/7/2022 $1,451,000 41%/54%/5%
Contributions and match ytd: tsp and 401K $28,000
for total loss of $105,000
Portfolio split between:
G Fund
Wellington
Wellesely
S&P500: C Fund, Vanguard and Principal Separate account
THRIX
VTIP and Fed MM :emergency fund
1/1/2022 $1,528,000 52%/45%/3% Stocks/Bond/Cash
5/7/2022 $1,451,000 41%/54%/5%
Contributions and match ytd: tsp and 401K $28,000
for total loss of $105,000
Portfolio split between:
G Fund
Wellington
Wellesely
S&P500: C Fund, Vanguard and Principal Separate account
THRIX
VTIP and Fed MM :emergency fund
- ClevrChico
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Re: Share your Net Worth Regression
Like others, I'm down about 10% ytd, so a few hundred k.
It does feel different going through this being middle aged vs a younger adult during the .com crash and great recession.
It does feel different going through this being middle aged vs a younger adult during the .com crash and great recession.
Re: Share your Net Worth Regression
A cautionary tale…
I got lucky during the dot-com run up in the 90s and thought I was some genius stock picker and used margin to get even more gains. By the end of 1999 I had over 1MM in net worth. By the end of 2000, I was at about 170k.
Despite making an excellent income, I didn’t get over 1MM again for another 13 years.
Now much of that was because I was not living a LBYM lifestyle. And… not too coincidentally, once I did adopt a LBYM lifestyle, the net worth really took off.
I got lucky during the dot-com run up in the 90s and thought I was some genius stock picker and used margin to get even more gains. By the end of 1999 I had over 1MM in net worth. By the end of 2000, I was at about 170k.
Despite making an excellent income, I didn’t get over 1MM again for another 13 years.
Now much of that was because I was not living a LBYM lifestyle. And… not too coincidentally, once I did adopt a LBYM lifestyle, the net worth really took off.
Re: Share your Net Worth Regression
Since 1/1/2022, we are still up (so far). Went from $2.72M to $2.8M since we are somewhat heavy on real estate. Our retirement accounts are down about $140K but real estate is up $210K and savings is up $10K.
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Re: Share your Net Worth Regression
$3.7m to $3.2m (70-30 allocation).
Re: Share your Net Worth Regression
I think I could have stated it better. Using my current net worth excluding real estate divided by my current annual expenses equals my amount of years I can fund my retirement, all things being static. If I add in my SS and pension my X becomes infinite. So no, I am not spending less.Vanguard User wrote: ↑Sat May 07, 2022 10:41 pmYou mean you are spending less?lostcoast wrote: ↑Sat May 07, 2022 9:02 pmI am.Vanguard User wrote: ↑Sat May 07, 2022 7:02 pm Anyone in this post retired and/or retiring this year?
I'm down 7x on expenses....currently 86x versus 93x at beginning of year.
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- quantAndHold
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Re: Share your Net Worth Regression
My house is still going up faster than my portfolio is going down.
Re: Share your Net Worth Regression
I was hoping to retire this year. I'm at about 32/33x. I'd like to avoid a 1966/1973/2000 retirement scenario, where even if the portfolio doesn't technically fail, I'm spending years stressfully withdrawing the minimum I can from a dwindling portfolio until it finally takes off a decade or two later. So, hopefully, I'll be able to wait this storm out. I won't retire, at least voluntarily, until the markets are at least back at all-time highs.lostcoast wrote: ↑Sat May 07, 2022 9:02 pmI am.Vanguard User wrote: ↑Sat May 07, 2022 7:02 pm Anyone in this post retired and/or retiring this year?
I'm down 7x on expenses....currently 86x versus 93x at beginning of year.
Re: Share your Net Worth Regression
Stocks don't track inflation, but they do keep up with it and then some. So you are right, they just don't keep up in the short term. (If only there was a correlation, but no such luck.)InvestorNewb wrote: ↑Sat May 07, 2022 3:40 pm - 235,000
Proof that stocks don't keep up with inflation, at least not in the short term
Re: Share your Net Worth Regression
This is actually interesting. I'm thinking that many people's "Nx" figures are suffering from the combination of higher expenses and portfolio decreases.lostcoast wrote: ↑Sat May 07, 2022 9:02 pmI am.Vanguard User wrote: ↑Sat May 07, 2022 7:02 pm Anyone in this post retired and/or retiring this year?
I'm down 7x on expenses....currently 86x versus 93x at beginning of year.
(Maybe a new thread on this question is appropriate, along with the implications that the Nx values can be very variable.)
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Re: Share your Net Worth Regression
Down about $800k on the equities side YTD. According to Zillow, the house has gone up by about $400k, though who knows?
Re: Share your Net Worth Regression
Ignoring house.
Portfolio down around 12% YTD or a few hundred $K
Lovely, since I'm retiring this year but not changing a thing. Carrying on...
Cheers.
Portfolio down around 12% YTD or a few hundred $K
Lovely, since I'm retiring this year but not changing a thing. Carrying on...
Cheers.
- baconavocado
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Re: Share your Net Worth Regression
Down 7% ytd. AA = 70/30.
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Re: Share your Net Worth Regression
I just came here to say congrats to the folks who are approximately flat due to home value and new contributions offsetting investment declines. That would be nice.. plus I’d be 15 years younger and have more hair. Triple nice.
Being wrong compounds forever.
Re: Share your Net Worth Regression
This is Kiddy games lol . I’ve been through much worse. I’m used to losing 100ks in Days. Markets go up … and down. One needs to develop a strong stomache to handle the volatility. I no longer stress as my conviction is as high as ever On tesla. In 10-20 years this is all noise
Re: Share your Net Worth Regression
Down 12%.
My company's stock (which I own a bit too much of) just got crushed in the last few weeks.
Still some ways from retirement, so I'm ignoring it.
My company's stock (which I own a bit too much of) just got crushed in the last few weeks.
Still some ways from retirement, so I'm ignoring it.
- Harry Livermore
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Re: Share your Net Worth Regression
We have been remarkably flat for the past couple of years. Neither regression nor progression.
I have spent down some of our EF due to my business going to zero at the start of COVID.
I have spent down older son's 529 to zero, and daughter's to 50% of projected 4-year expenses (right on schedule)
Stocks, funds, and bonds all down by varying amounts but first up, then down due to COVID bull.
All three properties up by a significant amount; I take the average of Zillow, Redfin, and our local MLS price change, and use 75% of the result. Way up.
Personal debt paid down steadily and somewhat aggressively, but business debt slightly up due to taking EIDL during COVID. Now starting to pay that down. Will accelerate.
Retirement and taxable accounts are somewhere between 26x-30x*, so still in good shape. I really want to be at least 33x before retirement, and with business still down and a kid still in high school, it looks like I'm in limbo for a number of years.
Cheers
* part of my struggle with a target "number" is the act of forecasting a retirement budget... thus my "somewhere between..." phrasing.
I have spent down some of our EF due to my business going to zero at the start of COVID.
I have spent down older son's 529 to zero, and daughter's to 50% of projected 4-year expenses (right on schedule)
Stocks, funds, and bonds all down by varying amounts but first up, then down due to COVID bull.
All three properties up by a significant amount; I take the average of Zillow, Redfin, and our local MLS price change, and use 75% of the result. Way up.
Personal debt paid down steadily and somewhat aggressively, but business debt slightly up due to taking EIDL during COVID. Now starting to pay that down. Will accelerate.
Retirement and taxable accounts are somewhere between 26x-30x*, so still in good shape. I really want to be at least 33x before retirement, and with business still down and a kid still in high school, it looks like I'm in limbo for a number of years.
Cheers
* part of my struggle with a target "number" is the act of forecasting a retirement budget... thus my "somewhere between..." phrasing.
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Re: Share your Net Worth Regression
January 1, 2022 NW = 3,800,000
May 1, 2022 NW = 3,650,000
Net Worth -3.94%
Investments -7.30%
Homes x2 +11.3%
We're in the second year of FIRE.
Drawdown has been $60k this year.
Roth conversion $10k so far
May 1, 2022 NW = 3,650,000
Net Worth -3.94%
Investments -7.30%
Homes x2 +11.3%
We're in the second year of FIRE.
Drawdown has been $60k this year.
Roth conversion $10k so far
Re: Share your Net Worth Regression
The housing mkt is going to be fascinating to watch moving forward. If the stock and bond mkt continues/stays down and economy slows, this along with much higher interest rates and possibly higher inventory would be a concern.. Seems to me a lot of potential head winds. But who knows.
Re: Share your Net Worth Regression
I don't include my house (paid-off mortgage) in the net worth I track, but I have included a conservative value in Quicken, always considerably lower than I see the houses around me going for and what Zillow suggests. The other day the house across the street went up for sale and I figured out that Zillow is showing my home valued at more than 2x what I have plugged into Quicken. And more than 5x the price I bought it for 30+ years ago. Doesn't really matter though since I have no plans to sell. Well, it doesn't matter except for property taxes and insurance.quantAndHold wrote: ↑Sun May 08, 2022 10:07 am My house is still going up faster than my portfolio is going down.
Re: Share your Net Worth Regression
1/01/2022 - 3 037 000
5/08/2022 - 2 824 000
down about 7 percent based on 39 percent individual stocks and ETFs, 61 percent cash
5/08/2022 - 2 824 000
down about 7 percent based on 39 percent individual stocks and ETFs, 61 percent cash
Last edited by sil2017 on Sun May 08, 2022 5:31 pm, edited 1 time in total.