05 July 2007

July Net Worth Update

It was a rough month for my investments (I calculated these on July 2nd, so it has recovered some since). As the market dipped, so did I-- almost 1.5%. Still, my net worth chugged along, fueled primarily by new savings and investments. Debt reduction helped with a chunk of that as well. In total, my net worth climbed 1.5% over my June figure, the equivalent of 1.8% of my February benchmark. This is definitely a major slowdown from the hot growth that happened earlier in the year, but even at this pace I should reach my goal by February. It's nice to know that the market can struggle and my net worth can still simultaneously rise; although, this is a feature that is only possible because my net worth is relatively low compared to my savings level. At some point the earnings from current investments will hold much more power over my net worth than additional savings and investing, and a 1.5% loss will set my net worth back despite adding new money. I don't think I'll complain when my assets are that big, though.

Here is what my goal chart looks like with July added (and a June revision):

Looking good. Once nice thing about the market dip was that it waited until Monday to come back-- just in time for my retirement accounts to buy in at a discounted rate! I'm not into market-timing but I still like to see the market take a step back at the end of the month when I know more money is going into my accounts.

As I said above, the growth comes entirely from debt reduction and new investment, and was held back by market losses. I have a few more months of serious debt reduction before I'm out of all debt except my mortgage.

My net investable assets rose by about 2.5%, and my net liquid assets rose by about 12.4%. Both were hurt by market losses, but my liquid assets are so small that the loss was vastly outpaced by some new investment money. Since February, net investable assets are up 30.6%, and net liquid assets are up 134.4%. Debt reduction makes a huge difference for this measure.

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