What is your decline in Net Worth as of today?

Non-investing personal finance issues including insurance, credit, real estate, taxes, employment and legal issues such as trusts and wills.
User avatar
LadyGeek
Site Admin
Posts: 95466
Joined: Sat Dec 20, 2008 4:34 pm
Location: Philadelphia
Contact:

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).
Wiki To some, the glass is half full. To others, the glass is half empty. To an engineer, it's twice the size it needs to be.
island
Posts: 1971
Joined: Tue Jul 23, 2013 1:45 pm

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
Posts: 128
Joined: Sun Apr 24, 2011 10:27 pm

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...
User avatar
saltycaper
Posts: 2650
Joined: Thu Apr 24, 2014 8:47 pm
Location: The Tower

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.
Quod vitae sectabor iter?
SGM
Posts: 3341
Joined: Wed Mar 23, 2011 4:46 am

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
Posts: 816
Joined: Sat Apr 28, 2012 8:15 pm

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
Posts: 93
Joined: Fri Feb 12, 2016 8:12 am

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

Post by LXEX55 »

My 401k is down 7.5% since January.
ubermax
Posts: 1887
Joined: Tue Feb 11, 2014 1:19 pm

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 .
User avatar
Topic Author
PinotGris
Posts: 1110
Joined: Tue Feb 14, 2012 8:38 pm

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.
User avatar
Qtman
Posts: 414
Joined: Sun Jun 29, 2008 8:00 pm
Location: Town with no name

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.
Don’t wear yourself out trying to get rich; be wise enough to control yourself. | Wealth can vanish in the wink of an eye. It can seem to grow wings and fly away | like an eagle. - King Solomon
heyyou
Posts: 4453
Joined: Tue Feb 20, 2007 3:58 pm

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

Post by heyyou »

Lost a comma in 2008 but it grew back.
User avatar
Sandi_k
Posts: 2292
Joined: Sat May 16, 2015 11:55 am
Location: SF Bay Area

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
Posts: 211
Joined: Sat Mar 03, 2012 4:20 am

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

Post by 111 »

I estimate around 5% this year.
User avatar
steve roy
Posts: 1855
Joined: Thu May 13, 2010 5:16 pm

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
Posts: 258
Joined: Thu Nov 07, 2013 6:28 pm

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.
stomie
Posts: 14
Joined: Sat Apr 16, 2011 7:03 pm

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
User avatar
BTDT
Posts: 783
Joined: Sun Aug 29, 2010 10:40 am
Location: Grand Lake OK

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
If past history was all that is needed to play the game of money, the richest people would be librarians.
User avatar
goodenyou
Posts: 3601
Joined: Sun Jan 31, 2010 10:57 pm
Location: Skating to Where the Puck is Going to Be..or on the golf course

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.
"Ignorance more frequently begets confidence than does knowledge" | “At 50, everyone has the face he deserves”
hnzw rui
Posts: 578
Joined: Tue Sep 22, 2015 2:26 pm

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
User avatar
obgyn65
Posts: 770
Joined: Sun May 06, 2012 9:11 am

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.
"The two most important days in someone's life are the day that they are born and the day they discover why." -John Maxwell
User avatar
Wildebeest
Posts: 1204
Joined: Fri Dec 27, 2013 1:36 pm

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.
User avatar
22twain
Posts: 4016
Joined: Thu May 10, 2012 5:42 pm

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).
Meet my pet, Peeve, who loves to convert non-acronyms into acronyms: FED, ROTH, CASH, IVY, ...
Rotsevni
Posts: 68
Joined: Sat Aug 29, 2015 11:41 am
Location: The Netherlands

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
User avatar
Bustoff
Posts: 2033
Joined: Sat Mar 03, 2012 5:45 pm

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
Posts: 708
Joined: Fri Jan 07, 2011 3:09 pm

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.
bobbyrab
Posts: 53
Joined: Sat Oct 04, 2008 8:47 am
Location: Cary, NC

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.
travellight
Posts: 2892
Joined: Tue Aug 12, 2008 5:52 pm
Location: San Diego

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

Post by travellight »

0.7% down ytd.
364
User avatar
Tycoon
Posts: 1625
Joined: Wed Mar 28, 2012 7:06 pm

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:
Emotionless, prognostication free investing. Ignoring the noise and economists since 1979. Getting rich off of "smart people's" behavioral mistakes.
itstoomuch
Posts: 5343
Joined: Mon Dec 15, 2014 11:17 am
Location: midValley OR

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.
Rev012718; 4 Incm stream buckets: SS+pension; dfr'd GLWB VA & FI anntys, by time & $$ laddered; Discretionary; Rentals. LTCi. Own, not asset. Tax TBT%. Early SS. FundRatio (FR) >1.1 67/70yo
User avatar
ofcmetz
Posts: 2465
Joined: Tue Feb 08, 2011 7:09 pm
Location: Louisiana

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.
IPer
Posts: 1639
Joined: Sun Jul 28, 2013 8:51 pm

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

Post by IPer »

[OT comment removed by admin LadyGeek]
Read the Wiki Wiki !
User avatar
burt
Posts: 852
Joined: Sun Feb 17, 2008 6:47 am

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
User avatar
SpringMan
Posts: 5422
Joined: Wed Mar 21, 2007 11:32 am
Location: Michigan

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
Dan999
Posts: 412
Joined: Mon May 24, 2010 1:23 pm

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.
Dan999
Dan999
supernova72
Posts: 78
Joined: Fri May 17, 2013 8:58 pm
Location: Seattle WA

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
Posts: 8372
Joined: Thu Mar 15, 2012 5:24 pm

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
skylar
Posts: 314
Joined: Sat Oct 04, 2008 11:28 am

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.
Raven2
Posts: 88
Joined: Thu Feb 17, 2011 9:28 am

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?
reggiesimpson
Posts: 1697
Joined: Mon Dec 19, 2011 11:47 am

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

Post by reggiesimpson »

My net worth goes up every year because i LBYM.
User avatar
Topic Author
PinotGris
Posts: 1110
Joined: Tue Feb 14, 2012 8:38 pm

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
Posts: 1143
Joined: Fri Nov 22, 2013 1:40 pm

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!
Ron
Posts: 6972
Joined: Fri Feb 23, 2007 6:46 pm
Location: Allentown–Bethlehem–Easton, PA-NJ Metropolitan Statistical Area

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
User avatar
Topic Author
PinotGris
Posts: 1110
Joined: Tue Feb 14, 2012 8:38 pm

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
Posts: 1208
Joined: Sat Oct 09, 2010 3:52 pm

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
Posts: 213
Joined: Fri Dec 19, 2014 4:38 pm

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
Posts: 676
Joined: Mon Mar 04, 2013 7:16 pm

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?
User avatar
Phineas J. Whoopee
Posts: 9675
Joined: Sun Dec 18, 2011 5:18 pm

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
Post Reply