Where's most of your money (worth) ?

[sv2007]

I'm curious where most readers stash their money.

If you don't know, this may also give you an opportunity to find out.

[sv2007]

It used to be business just a year ago, but now most of our wealth is in taxable accounts. Residences is a close second, unfortunately, by virtue of having homes in high cost of living areas.

[bjl584]

pretty much a split between taxable accounts and retirement accounts.

[disneysteve]

I don't have numbers in front of me but I'll try to vote/post later when I do. I suspect the answer will be similar to Brian with a split between retirement and taxable accounts.

[~bs]

I run a net worth calculation, snapshot in time, every once in a while. Net home equity (counting my rental) is by far the most. The rental really throws off the % actually.

8% - liquid cash/stock assets
19% - business
59% - equity
15% - retirement

Right now, I'm splitting savings between liquid savings and retirement. I want flexibility when the economy turns, as it will eventually. However, almost 60% net worth in real property is starting to make me question the wisdom of buying another rental. lol

[MonkeyMama]

I put "other" because we are pretty well diversified. Home equity and retirement accounts are probably about equal. Not as much in taxable accounts.

[TexasHusker]

I don't have anything in IRA or 401K accounts (surprise!!!)

Defining what I have in "business" is a little tricky, because what I have invested is much smaller than what the businesses are actually worth.

If calculating what they are actually worth, then certainly, well 60 percent of my net worth is in those. But they are also my income, so it's not like I would ever liquidate them unless something better came along.

Real estate is probably 30 percent, and personal residence is the last 10 percent.

[parafly]

My net worth breakdown seems to be well balanced and distributed. Retirement accounts top the list. I have zero stakes in business.

Retirement Accounts - 40%
Real Estate - 31%
Taxable Accounts - 20%
Personal Items - 8%

[97guns]

im about as undivesrified as can get with 2/3 rental real estate and 1/3 silver and gold

[Fishindude77]

Roughly as follows:
Retirement accounts 22%
Real estate 35%
Taxable investment accounts 5%
Business 31%

Balance in cash and misc. personal items

[phantom]

I answered house, but I wasn't thinking of counting the mortgage against the house when I answered.

This is how I see it:
60% - House
44% - Retirement Accounts
17% - Cash (Emergency Fund + Recent Windfall)
1% - College Savings
-22% - Mortgage

But, if you want to combine the house and mortgage, it would be:
44% - Retirement Accounts
38% - Home Equity
17% - Cash (Emergency Fund + Recent Windfall)
1% - College Savings

[sv2007]

I answered house, but I wasn't thinking of counting the mortgage against the house when I answered...

Here's to your "house" answer being (eventually) correct due to continued mortgage payments and appreciation. Good luck.

[sv2007]

retirement accounts = 20%
taxable = 50%
business = 10%
residences = 20%


Just a year ago, it looked like this
retirement accounts = 20%
taxable = 20%
business = 40%
residences = 20%
Yes, a lot of "extra" taxes were paid : (

[phantom]

Here's to your "house" answer being (eventually) correct due to continued mortgage payments and appreciation. Good luck.

The equity in my house might briefly jump ahead of my retirement savings in a few months when we finish the basement. But, my husband and I put more towards retirement than we do towards our mortgage, so the trend is definitely towards retirement making up a higher percentage of our net worth. Since I live in my house and it doesn't earn me any money, I'll be happier when it's a smaller portion of my net worth.

[feh]

Our portfolio is very close to 50/50 taxable/retirement.