The "Grow your wealth by 12% in 2015" thread!

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  • Broken_Biscuits
    Broken_Biscuits Forumite Posts: 356 Forumite
    http://www.bbc.co.uk/news/business-30875633


    based on last years figures, im hoping to slot in this year, somewhere between Warren Buffett and abigail Johnson.

    (percentages wise of course)
  • Broken_Biscuits
    Broken_Biscuits Forumite Posts: 356 Forumite
    33.3% for me.
    being made redundant, and its associated payout, and then finding a new job the next day helped.
  • TheTracker
    TheTracker Forumite Posts: 1,223
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    A quick reckoning of 12% here, coincidentally.
  • racing_blue
    racing_blue Forumite Posts: 961 Forumite
    5% in the end.

    I spent less than I earned.
    Ladder: a +4% growth in house prices (I include my house as an asset, just as I include my mortgage as a liability)
    Snake: investments -7%. Commodities were not such a good punt after all.

    12% in 2016, anyone?
  • JohnRo
    JohnRo Forumite Posts: 2,887
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    +13.2% according to my spreadsheet. It definitely hasn't felt like that though.
    'We don't need to be smarter than the rest; we need to be more disciplined than the rest.' - WB
  • Ray_Singh-Blue
    Ray_Singh-Blue Forumite Posts: 505
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    16% in 2016.

    Earned more than spent, again. And it would appear house increased in value by 6%, and investments by 22%.

    The last 5 years look like this:
    2012: 22%
    2013: 28%
    2014: 24%
    2015: 5%
    2016: 16%

    It gets harder each year, I think, as the ratio of income:wealth shrinks. It gets harder to do just by saving. I am not sure if I can hit 12% in 2017.
  • JC_Derby
    JC_Derby Forumite Posts: 806
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    Considerably more interested in this now I'm a bit older and just doubled my mortgage :-(.

    So is a c.c debt a liability?
    Mortgage liability but house value the asset.
  • darkidoe
    darkidoe Forumite Posts: 1,125
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    16% in 2016.

    Earned more than spent, again. And it would appear house increased in value by 6%, and investments by 22%.

    The last 5 years look like this:
    2012: 22%
    2013: 28%
    2014: 24%
    2015: 5%
    2016: 16%

    It gets harder each year, I think, as the ratio of income:wealth shrinks. It gets harder to do just by saving. I am not sure if I can hit 12% in 2017.

    That's actually very decent numbers. If I can keep at double digits for 10 years I would be very happy!

    Save 12K in 2020 # 38 £0/£20,000
  • Broken_Biscuits
    Broken_Biscuits Forumite Posts: 356 Forumite
    2014 21.3%
    2015 33%
    2016 29%

    Crazy growth over the last few years.
    Forecasts for property and shares are fairly pessimistic for 2017. 20% might be a push to achieve 4th year on the trot.
  • darkidoe
    darkidoe Forumite Posts: 1,125
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    I have several numbers. My unitized return based on Monevator's Unitization your portfolio is 19.19%, Annualised Return based on Investopedia's formula is 23.93% and Real Return is 16.72%.

    Only been invested 263 days. Don't really know what to make of all the numbers except that annualised return is not representative as there's an element of estimation there... How do you all calculate returns?

    Save 12K in 2020 # 38 £0/£20,000
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