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    Home equity?

    How much home equity do you have as a percentage or dollar value of your portfolio? 12.26% of our net worth. At least using the home equity we've paid down from our down payment to paydown over 4 years. I don't use appreciation but it's there because it's too hard to figure. I have a guess but I'd rather not
    LivingAlmostLarge Blog

    #2
    Originally posted by LivingAlmostLarge View Post
    How much home equity do you have as a percentage or dollar value of your portfolio? 12.26% of our net worth. At least using the home equity we've paid down from our down payment to paydown over 4 years. I don't use appreciation but it's there because it's too hard to figure. I have a guess but I'd rather not
    Our primary home (~$300k, no mortgage) is 23% of our total net worth. Relative only to stocks/bonds/cash, 37%. Including our our rental home, our primary home is 30% of our total invested portfolio.

    Overall, my goal is to eventually have our invested assets roughly 50/50 split between stocks/bonds/cash and RE.
    Last edited by kork13; 03-15-2021, 05:16 PM.
    "Praestantia per minutus" ... "Acta non verba"

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      #3
      About 12% of the total of our portfolio and our home’s value (house is paid off).
      Steve

      * Despite the high cost of living, it remains very popular.
      * Why should I pay for my daughter's education when she already knows everything?
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        #4
        Our house is paid off and estimate that it's about 5% of our investment portfolio.

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          #5
          Ours is paid for. Home, outbuildings and a couple acres it sits on might represent 5% of our NW.

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            #6
            Just under 10% of my portfolio is the equity in my home
            Brian

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              #7
              Retirement is 57%
              house is 28%
              taxable/cash is 15%

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                #8
                Rough estimate:
                Retirement 55%
                House 29%
                Taxable/cash 16%
                "I'd buy that for a dollar!"

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                  #9
                  Rough estimation, our house is just under 50% of our net worth. It's lopsided because we live in an extremely high COL area. We bought it in October last year and it will be paid off in the next 90 days so will have full equity in short order.

                  I'm not sure if this is good or bad, but it's how things have worked out. Whereas assets on paper can lose their value overnight and there is nothing to show for it, at least if/when home values tank, we'll still have a place to live. Real estate and desirable land, over time, has proven a safe place to park money, however.

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                    #10
                    Roughly speaking:

                    House $175,000 (Paid for, $108,000 at time of purchase)
                    Retirement $150,000 (401k is $120,000 and IRA is $30,000)
                    Cash $20,000

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                      #11
                      This was interesting to break down.

                      My breakdown is like:

                      37% Retirement (wife and I)
                      25% Primary Residence (paid off)
                      15% Real Estate Investments (1 paid off, 1 with small amount of debt)
                      20% Taxable investments, Cash, and large paid for assets. (in that order)

                      I just realized, I have more $$$ value loaned out (being paid back w/ interest) than debt I hold. Currently 3x to be honest! (i'm a mini bank)

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                        #12
                        $450k house and land (we paid $240k for it)
                        Still owe $93k
                        Retirement/taxables/cash, approx $1.4

                        Not sure of percentages but that's dollar amounts.

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