Saturday, February 07, 2026

Annual Report 2025: Long-term Graphs

After looking over some of my previous annual report posts, I realised that I haven't posted long-term graphs of net worth in recent annual reports. I focused more and more on just the year under consideration. So, here is some longer term context that I used to include.

Here is net worth since 1996 and a breakdown into home equity, retirement accounts, and everything else: 

 

The big jump in 2018 is the inheritance. Non-retirement accounts have not increased that much since then as we moved money into home equity and retirement accounts. The next graph shows a breakdown of savings:

 

This graph is rather messy, which is maybe why I stopped posting it :) Retirement and non-retirement accounts are each split into savings and investment earnings. Non-retirement savings are negative because we moved money into home equity and retirement accounts. There was a jump this year when I received the redundancy payment. On the other hand, non-retirement profits are the largest component. This year saw a fall in home value and slow progress in retirement accounts as discussed in the first post in this series. But there were strong non-retirement earnings. Retirement accounts value is roughly 50/50 contributions and earnings at this point.

 

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