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Net Worth Archive for 2011

Net Worth Report for December 2011

Assets   $ Diff % Diff
Cash $37,238 ($1,114) -2.90 %
Stocks $236,482 $962 0.41 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $1,154,953 $6,299 0.55 %
Home $1,040,000 $0 0.00 %
Other Real Estate $0 $0 -
Cars $600 ($200) -25.00 %
Personal Property $0 $0 -
Other $0 $0 -
Total Assets $2,469,273 $5,947 0.24 %
Debts   $ Diff % Diff
Home Mortgage(s) $82,646 ($2,042) -2.41 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $82,646 ($2,042) -2.41 %
 
Net Worth $2,386,627 $7,989 0.34 %
Net Worth History Chart
Monthly Entry
Looking back, it has been a 'roller coaster' of a year, with stocks faling heavily in Spring and Summer...with continued gloom forecast in 2012.

I have persevered with stocks (through ISAs to spread my risk) through 2011, but plan to move from an 80:20 (Stocks:Cash) to more of a 50:50 (or maybe even 20:80) in 2012.

Long term I am certain my stocks value will improve, so will not be selling any that I have.

Have a great 2012!


David
31 Dec 2011

Net Worth Report for November 2011

Assets   $ Diff % Diff
Cash $38,352 ($606) -1.56 %
Stocks $235,520 ($1,142) -0.48 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $1,148,654 $198,654 20.91 %
Home $1,040,000 $0 0.00 %
Other Real Estate $0 $0 -
Cars $800 $0 0.00 %
Personal Property $0 $0 -
Other $0 $0 -
Total Assets $2,463,326 $196,906 8.69 %
Debts   $ Diff % Diff
Home Mortgage(s) $84,688 ($1,210) -1.41 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $84,688 ($1,210) -1.41 %
 
Net Worth $2,378,638 $198,116 9.09 %
Net Worth History Chart
Monthly Entry
A flat month, though effectively going slightly backwards because my investments in the month have not increased my cumulative wealth. My retirement fund (an update covering the last 9 months) creates a 'spike' that is not real for the month (though cumulative values are now correct). In future I will update my pension pot each month.


David
03 Dec 2011

Net Worth Report for October 2011

Assets   $ Diff % Diff
Cash $38,958 $8,558 28.15 %
Stocks $236,662 ($21,788) -8.43 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $950,000 $0 0.00 %
Home $1,040,000 $0 0.00 %
Other Real Estate $0 $0 -
Cars $800 $0 0.00 %
Personal Property $0 $0 -
Other $0 $0 -
Total Assets $2,266,420 ($13,230) -0.58 %
Debts   $ Diff % Diff
Home Mortgage(s) $85,898 ($43,882) -33.81 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $85,898 ($43,882) -33.81 %
 
Net Worth $2,180,522 $30,652 1.43 %
Net Worth History Chart
Monthly Entry
A better month, with stocks improving after the decision of all member states to support the Euro with additional funding. My first Endowment matured this month ($42,414 after investing $100 per month for 22 years - total invested $26,400 - got more than back than invested though 5% return somewhat disppointing) so I used this sum to pay off part of my mortgage.
This is why my overall 'stocks' has gone down in the period...and why my remaining mortgage is now significantly less!


David
27 Oct 2011

Net Worth Report for September 2011

Assets   $ Diff % Diff
Cash $30,400 ($7,162) -19.07 %
Stocks $258,450 ($3,638) -1.39 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $950,000 $0 0.00 %
Home $1,040,000 $0 0.00 %
Other Real Estate $0 $0 -
Cars $800 $0 0.00 %
Personal Property $0 $0 -
Other $0 $0 -
Total Assets $2,279,650 ($10,800) -0.47 %
Debts   $ Diff % Diff
Home Mortgage(s) $129,780 ($1,918) -1.46 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $129,780 ($1,918) -1.46 %
 
Net Worth $2,149,870 ($8,882) -0.41 %
Net Worth History Chart
Monthly Entry
Third Quarter of 2011 confirmed as worst UK stock market performance since 2002 (with similar poor performance across the globe).
With my $2,638 drop in stocks this month, TRUE overall monthly (paper at least) loss (inc $2,250 pcm investments)is c$4,900.
Have decided to brave it out and continue monthly investment at this level - theory being that I can buy stock 'cheaply' at this time, and reap the benefits as the market health returns. Looks like a long distance run rather than a sprint however.
UK job market also gloomy, with my own business announcing a likely headcount reduction of 20%. 3 month consultation underway, with confirmed number of job losses expected around year end.
A bleak landscape at the moment....

David
30 Sept 2011

Net Worth Report for August 2011

Assets   $ Diff % Diff
Cash $37,562 $8,322 28.46 %
Stocks $262,088 ($10,046) -3.69 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $950,000 $0 0.00 %
Home $1,040,000 $0 0.00 %
Other Real Estate $0 $0 -
Cars $800 $0 0.00 %
Personal Property $0 $0 -
Other $0 $0 -
Total Assets $2,290,450 ($1,724) -0.08 %
Debts   $ Diff % Diff
Home Mortgage(s) $131,698 ($1,978) -1.48 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $131,698 ($1,978) -1.48 %
 
Net Worth $2,158,752 $254 0.01 %
Net Worth History Chart
Monthly Entry
Stock market still sliding south with double dip recession looking likely. Even with monthly investment of c$2,250, my overall stockholding lost c$10,000 (ie really fell by $12,250)...on top of c$15,600 'real fall' last month!! So....a further gloomy month. It is paper money (until you need it!) so I have plenty time to recover my position. Will continue with monthly stock investments.
David
26 August 11

Net Worth Report for July 2011

Assets   $ Diff % Diff
Cash $29,240 ($11,480) -28.19 %
Stocks $272,134 ($13,404) -4.69 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $950,000 $0 0.00 %
Home $1,040,000 $0 0.00 %
Other Real Estate $0 $0 -
Cars $800 $0 0.00 %
Personal Property $0 $0 -
Other $0 $0 -
Total Assets $2,292,174 ($24,884) -1.07 %
Debts   $ Diff % Diff
Home Mortgage(s) $133,676 ($1,898) -1.40 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $133,676 ($1,898) -1.40 %
 
Net Worth $2,158,498 ($22,986) -1.05 %
Net Worth History Chart
Monthly Entry
A really bad month. Vacation (c$10,000) was expected and bad enough, but the stock market in July 11 took a hammering!! Overall - my worst month since joining this website. However, as I am investing for the long term (next 10 - 15 years) I will continue to drip feed monthly investments. Be brave!
David
31 July 11

Net Worth Report for June 2011

Assets   $ Diff % Diff
Cash $40,720 ($7,120) -14.88 %
Stocks $285,538 $6,252 2.24 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $950,000 $0 0.00 %
Home $1,040,000 $0 0.00 %
Other Real Estate $0 $0 -
Cars $800 ($200) -20.00 %
Personal Property $0 $0 -
Other $0 $0 -
Total Assets $2,317,058 ($1,068) -0.05 %
Debts   $ Diff % Diff
Home Mortgage(s) $135,574 ($1,822) -1.33 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $135,574 ($1,822) -1.33 %
 
Net Worth $2,181,484 $754 0.03 %
Net Worth History Chart
Monthly Entry
Stocks fairly flat....and holiday still to pay for!
David
2 July 11

Net Worth Report for May 2011

Assets   $ Diff % Diff
Cash $47,840 - -
Stocks $279,286 - -
Bonds $0 - -
Annuities $0 - -
Retirement $950,000 - -
Home $1,040,000 - -
Other Real Estate $0 - -
Cars $1,000 - -
Personal Property $0 - -
Other $0 - -
Total Assets $2,318,126 - -
Debts   $ Diff % Diff
Home Mortgage(s) $137,396 - -
Other Mortgage(s) $0 - -
Student Loans $0 - -
Credit Card $0 - -
Car Loans $0 - -
Other $0 - -
Total Debts $137,396 - -
 
Net Worth $2,180,730 - -
Net Worth History Chart
Monthly Entry
Moved c$20,000 from cash to stock, though stock valueshave also fallen 5% in las two months -so longer term benefit hopefully.
David
28 May 2011

Net Worth Report for March 2011

Assets   $ Diff % Diff
Cash $60,254 - -
Stocks $269,234 - -
Bonds $0 - -
Annuities $0 - -
Retirement $950,000 - -
Home $1,040,000 - -
Other Real Estate $0 - -
Cars $800 - -
Personal Property $0 - -
Other $0 - -
Total Assets $2,320,288 - -
Debts   $ Diff % Diff
Home Mortgage(s) $141,182 - -
Other Mortgage(s) $0 - -
Student Loans $0 - -
Credit Card $0 - -
Car Loans $0 - -
Other $0 - -
Total Debts $141,182 - -
 
Net Worth $2,179,106 - -
Net Worth History Chart
Monthly Entry
Received $34,000 bonus (after tax). Also moved $80,000 stock from UK to Emerging Markets. Wife and I managed to save full ISA (tax free)allowance of $40,000 total for 2010/11. Plan to move more cash to stock during April when next tax year begins.

David
31 March 2011

Net Worth Report for January 2011

Assets   $ Diff % Diff
Cash $26,770 ($4,724) -15.00 %
Stocks $261,962 $4,802 1.87 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $950,000 $0 0.00 %
Home $1,020,000 $0 0.00 %
Other Real Estate $0 $0 -
Cars $1,000 $0 0.00 %
Personal Property $0 $0 -
Other $0 $0 -
Total Assets $2,259,732 $78 0.00 %
Debts   $ Diff % Diff
Home Mortgage(s) $143,082 ($3,782) -2.58 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $143,082 ($3,782) -2.58 %
 
Net Worth $2,116,650 $3,860 0.18 %
Net Worth History Chart
Monthly Entry
Sold some Defence stock (in my employer) and replaced with Oil stock c$5,300...to spread my risk
David
27 February 2011