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2009 Net Worth Analysis

On December 31, 2008 assets that constituted our net worth were broken down into three categories:

Real Estate Equity: ~43.5% of total assets
Includes personal residences and investment real estate.

Non-Taxable Accounts: ~40.2% of total assets
Includes all tax-sheltered retirement accounts: my 403b, 457, IRAs, and dh's 403b and Roth IRA. I converted my 403b and 457 accounts to IRAs in 2009.

Taxable Accounts: ~16.2% of total assets
Includes all liquid assets: stocks, mutual funds, money fund, savings accounts, and CDs. Stocks were 32% of the 16.2% in this category.

Status of our net worth as of December 31, 2009:

Overall net worth: Up - 3.44% compared to December 31, 2008. My goal was a 5% increase.

Real Estate Equity: Down - 13% overall (Category is now ~40% of total assets)
Used 2009 assessment figures. Mortgage pay down increased equity somewhat but 2009 valuations are lower.

Non-Taxable Accounts: Up 6% overall (Category is now ~38% of total assets)
Dh's contributions helped. Funds are in conservative products that preserve principal.

Taxable Accounts: Up 33% overall (This category is now ~22% of total assets. Stocks make up 41% of this category.) Growth of stocks from December 2008 boosted this category.