Saturday, January 07, 2017

2016 Annual Accounts: Graphs

So here is how the last year looks on a graph in the context of everything since 1996:

The blue line is the sum of the other three lines. After flatlining last year, things took off again this year. Medium term balance is liquid assets, the green line is retirement accounts. Both of these and housing equity increased. Markets performed well this year and we saved more.

This graph provides a slightly different view, breaking things down according to savings and profits. I don't break down housing equity into the two components as it's not worth it yet...

Though we are making savings outside of retirement accounts and housing equity - the blue line is rising - the slope is much shallower than before we bought a house and had a baby. So, a lot of this year's increase came from profits. In the long run we have done much better with retirement than with current accounts in terms of profits.

The next graph shows actual monthly non-retirement savings since 1996 and a 12 month moving average:

I have truncated the axis at -$15k but we dissaved $53k in January and $118k in February 2015 as we bought the house. After the big transfer of savings to but the house, savings recovered, but to a much lower level than recent years. They are at about the level around when we moved from the US to Australia. Savings have been high in the last couple of months. How well they will behave this year depends on some potential major expenditure on the house that I will discuss soon on the blog.

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