Not sure how serious this annual review is going to be. I'm just going to post what I feel like. This is what happened to net worth in Australian Dollars over the course of the year:
We ended the year with somewhat higher net worth but retirement savings actually declined while non-retirement savings overtook retirement savings for the first time since the onset of the financial crisis. This trend will continue this year, I think. Maybe once I turn 50 I might increase retirement savings above the tax concessional level * as the money can be accessed from age 60.
This chart shows underlying story:
Persistent saving throughout the year in both types of accounts and persistent investment losses at a similar rate on both.
*$A25k a year for each of us can go in after 15% tax. Contributions above this rate are taxed at our marginal rates.