Reply to Net worth growth in 2025?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Are you counting new 401k and non-qualified investments or just more passive earnings? I invested $300k which increased my NW by that much plus market increases.

I need to get out of my Ameriprise managed account with a 0.9% AUM. What does everyone recommend? We own a business and have a living trust but I’m not sure that’s a problem. Most of our NW is in non-qualified investments. [/quote]

OP here.  I'm "counting" everything.  I track my net worth through the Empower app so it's easy to see the end of year results.

Basically, my liquid investments (retirement and brokerage accounts) earned about the market average (the high teens), while my real estate holdings (primary residence and second home) were flat.

I retired early about a decade ago.  We spent $232k last year, offset by a combined $77k in social security (which we elected to take early; we're not yet 65) and rents received from our basement apartment rental.  So we only had to draw down $155k from our liquid accounts, which was only 2.27 percent of their total value.  So we ended up worth 10 percent better off than the year before (before inflation of course), which I think is pretty good considering we're living well and not working.

An added bonus is we won't owe any federal taxes for 2025 because we only drew down from our brokerage account and ended up (not by accident of course) in the zero percent tax bracket for long term capital gains. [/quote]

Op, you're doing great! The stock market has also had a great run. My parents retired in 2010 and have been taking regular distributions for living expenses. They told me their portfolio is still higher than when they retired despite all the cumulative distributions. [/quote]

Yep.  Our net worth has more than doubled in the ten years since we've retired.  Next year I'm going to have to bite the bullet and start doing some serious Roth conversions though.  I've been putting it off because of the taxes but can't any longer.  It would be stupid. [/quote]

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