Share your Net Worth Regression

[sil2017]

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

Isn’t there some risk less short term treasuries we can get some returns from your cash?

Not sure but with the interest rate rising, I may buy multiple year annuity should it ever hit 4.5 to 5 percent...highly unlikely I think but who knows

[bernina]

As of the end of April we're down about 9% or $180k from the end of last year.

-$280k in market changes offset with $100k in contributions this year.

Portfolio is 75/25 and above numbers don't include value of our house.

[homebuyer6426]

The rise in house price seems to have kept the net worth stable in the last year, despite 90% stock portfolio.

[808]

This year (through 5/10), not including primary residence, 70/30, Equities down 16%, overall portfolio down 14%

[NabSh]

YTD : 20% down

[mnsportsgeek]

December 2021 - 759k
May 2021 - 707k

Might be a little bit lower after these last couple days. Down about 7% in a 90/10 portfolio. Had some bonuses come in that all went into investments. Hoping to see the fruits of that sooner rather than later, but we’ll see.

Down 12% now.

[formerlybroke]

12/31/2021 = $13.46 M
05/11/2022 = $12.16 M

[Grover201]

Down at least 800k

[crowdcast]

12/31/2021: $2.9M
05/11/2022: $2.4M

For the first time in my life, I sold and went 80% to cash and paid off my mortgage.

This one feels different than dotcom, 2008, or COVID, primarily because I think inflation is the devil. I'm sitting on the sidelines until after the next rate hike.

[chazas]

1.2m down to 1.06m.

Loving the lower prices since I'm accumulating. I hope we have a bear market for the next decade.

For those of us who are trying to retire in the next couple of years, please no.

[dboeger1]

But it's really irksome that the stock market fell right before I could reach a quarter million invested. Seems like it's always inordinately difficult to break through milestones.

It isn't until it is. One sentiment that has been quite common among older Bogleheads who have been at it for a while is that they kept plugging away for years, and then one day during a big bull market, they looked up and their portfolio had massive gains. If the market goes up over the long term like we expect and you just keep saving and investing, eventually you'll hit a point where the whole thing will take off. There can certainly be a lot of pain along the way, but then again, Bogle never promised that index funds would take you to the moon in a day.

[LadyGeek]

This is a "No politics" forum. I removed an off-topic post. As a reminder, see: Politics and Religion

In order to avoid the inevitable frictions that arise from these topics, political or religious posts and comments are prohibited. The only exceptions to this rule are:

• Common religious expressions such as sending your prayers to an ailing member.
• Usage of factual and non-derogatory political labels when necessary to the discussion at hand.
• Discussions about enacted laws or regulations that affect the individual investor. Note that discussions of proposed legislation are prohibited.
• Proposed regulations that are directly related to investing may be discussed if and when they are published for public comments.

[tennisplyr]

It only counts if you sell…so, no.

[vpotus]

My investments dropped about about 100k. But my house increased about 40k. We are down about 8% overall this year. I'm not worried.

[Vanguard User]

Down -$98k from all time high.

[schachtw]

AA is 60/40
YTD -14% (1MM)

[bltn]

It only counts if you sell…so, no.

This is what my wife keeps telling me.

A good reason to keep some cash or near cash fixed income investment.

[tony_roach]

Down $200K since end of last year (not counting home value, just investments)

• End of 2021 - $1.42M

• May 11, 2022 - $1.22M

[smectym]

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” 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.

4.5 million to 4.1million, I was 60/40 down 400k.

Did not expect bonds to be crushed like this.

Still up 33% from covid lows.

Need to go little bit conservative like 50 stocks /50 cash. Iam not at all confident with stocks just starting to go down. Next month will be crazy I think.

A lot of bogleheads have lost low-to-mid six figure sums in the last few months, on paper. Me too. But let’s see what happens from here.

[Normchad]

I’ve heard there is a new “millionaires club”; a place for folks that are down by a million.

I’m not there yet, but if things keep going this way, I might be eligible soon.

[goos_news]

I’ve heard there is a new “millionaires club”; a place for folks that are down by a million.

I’m not there yet, but if things keep going this way, I might be eligible soon.

Yikes! I'm actually not tracking any more month to month. I'm just grateful that I'm not in crypto and FAANG exclusively, like some redditors (allegedly).

[WestCoastPhan]

I’ve heard there is a new “millionaires club”; a place for folks that are down by a million.

I’m not there yet, but if things keep going this way, I might be eligible soon.

My Vanguard funds are down $950k YTD.

[dink2win]

Down 9% YTD. Went from all time high of $1.45M on 12/31/21 to 1.32M on 4/30/22. Has dropped more since then but have not done the math, will find out at the end of the month.

Current Allocation (roughly)
65% - VTI (or equivalent)
15% - VXUS (or equivalent)
10% - REITs and Crypto
10% - Cash

[lostdog]

12/31/21-$1,125,000

5/12/22-$931,000

[piper]

Down about 800K in investment accounts.

[mnsportsgeek]

I’ve heard there is a new “millionaires club”; a place for folks that are down by a million.

I’m not there yet, but if things keep going this way, I might be eligible soon.

Yikes! I'm actually not tracking any more month to month. I'm just grateful that I'm not in crypto and FAANG exclusively, like some redditors (allegedly).

Seriously, times like these are when it becomes abundandly clear why investing in one industry (in this case tech) can crush you.

[rascott]

NW is basically flat year to date.....portfolio is down....investment RE equity + savings up.

[CletusCaddy]

At beginning of this year I was at
$2.1M investments
$0.6M home equity
$70k car equity
=
$2.7M net worth

As of today I am at
$1.6M investments
$1.0M home equity
$70k car equity
=
$2.7M net worth

Best performing assets have been:
Bay Area house
Saving bonds
Utilities
Luxury SUV

[WhiteMaxima]

Equity down 15% , RE flat ( haven't been sold, so I don't know), inflation 8% so Networth purchase power is down 25% ish and no end yet. For the long run, I believe only equity and RE will beat inflation. I am still dollar cost averaging. So I will ignore market noise. cheers.

[rhubarbpie]

1/22: $360k
5/22: $333K

Still contributing every pay period so it looks less bad than the % probably actually is.

[peregrino]

Investment portfolio value down 10% YTD.

Estimated primary residence home equity up 22% YTD.

Net worth (the two categories above plus emergency fund savings) down 3.5% YTD.

[sedna273]

Started off in the $600k bracket, now in $500k bracket with a 90/10 portfolio. I'm in my 30's so will stay the course.

[t24b350]

1/1/2022 4.175
5/12/2022 4.291

[atlguy]

Down 16% and it is going to get worse.

[WhiteMaxima]

Down 16% and it is going to get worse.

and +8.5% inflation rate = less 24.5% purchase power. Ouch.

[srblanco7]

I’ve heard there is a new “millionaires club”; a place for folks that are down by a million.

I’m not there yet, but if things keep going this way, I might be eligible soon.

Hoping not to join that club. Down from $5.7M to $5.0M YTD.

[chazas]

From my peak, $4.3M to $3.95M. That’s total, including my house, which has helped - I include it at what I think it would sell for easily, which is less than the Zestimate. Investments from just over $4M to $3.55M.

My goal is (was?) to retire at the end of 2023 with investments of $4.25M but I guess we just gotta go with the flow. I’ve stopped obsessively watching, which is good. I also realized despite getting depressed about the declines, my main risk is not selling everything and going to cash, it’s spontaneously throwing too much cash into the market on down days.

[ge1]

House up 150k or so, investments up close to 100k, had a large purchase of 80k, so net up 170k or so.