Posts tagged with "liabilities"


  • Feb 13, 2023

    Year In Review – 2022 Net Worth

    The last post in the year in review series for the year is on my net worth. I am doing the net worth calculations using the very basic formula for net-worth which is basically assets - liabilities. Some don’t agree with that formula, but I will continue to use it since that is what I have used in the past. If I change the formula now, then there will be discontinuity in the numbers. Moreover, since I don’t publish any numbers, it does not matter what my net worth really is. It is only to show how it has grown or fallen over the years. My retirement is in no way dependent on my net worth. It is only dependent on my corpus of investments (debt MFs and equity MFs).

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  • Feb 24, 2022

    Year In Review – 2021 Net Worth

    It has been a while but I just realized that I did not do my net worth analysis as part of my year in review series. So here we go. I am doing the net worth calculations using the very basic formula for net-worth which is basically assets - liabilities. Some don’t agree with that formula, but I will continue to use it since that is what I have used in the past. If I change the formula now, then there will be discontinuity in the numbers. Moreover, since I don’t publish any numbers, it does not matter what my net worth really is. It is only to show how it has grown over the years. My retirement is in no way dependent on my net worth. It is only dependant on my corpus of investments (debt MFs and equity MFs). Real estate is not an investment since I live in it.

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  • Jan 14, 2021

    Year In Review – 2020 Net Worth

    Continuing on with the year in review series, next up is net worth. This year I wanted to make a small change to my net worth calculations. For the last 2 years I have included my US stocks (employee stocks) as part of my net worth. That has caused a lot of confusion to my readers. While my company stocks in the US are worth something, I am planning to keep it out of the reviews. That corpus is supposed to be used for my international (mostly US) vacation. So no point dragging it into net worth calculations.

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  • Oct 10, 2020

    What Is Your Net Worth And Is It Good Enough?

    Sometimes it is worth knowing if your net worth is good enough or not. But how do you know if it good? And what if you don't even know how to calculate your net worth? These are some of the questions I am trying to address in this post. Simply put net worth is the sum of all your assets minus the sum of all your liabilities.

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  • Jan 24, 2019

    Year In Review - 2018 Net Worth

    The final chapter in the Year in Review series, is reviewing my net worth. At the end of every year, in addition to reviewing my returns and expenses, I also take stock of my net worth. It is an exercise not to check how much I am worth, but more to get an understanding of my asset allocation, and see if it is converging towards my planned allocation. Lets take a look at the constituents of my net worth first.

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