I should get something for being first :P
Assumptions:
Job Income Growth = 5%
Business Income Growth = 10%
Annual Return on Portfolio = 7%
Year-Over-Year Growth = 20%
Expense Growth = 10%
Tax Growth = 20%
Output:
2008 Net Worth Increase = $272,903
2008 Year-End Net Worth = $1,160,304
Assumptions:
Job Income Growth = 3%
Business Income Growth = 10%
Annual Return on Portfolio = 6%
Year-Over-Year Growth = 5%
Expense Growth = 3%
Tax Growth = 6%
Output:
2008 Net Worth Increase = $269,022
2008 Year-End Net Worth = $1,156,423
Here's my thoughts (if not random):
Assumptions:
Job Income Growth = 4.0%
Business Income Growth = 12.0%
Annual Return on Portfolio = 5.5%
Year-Over-Year Growth = 7.3%
Expense Growth = 4.0%
Tax Growth = 10.0%
Output:
2008 Net Worth Increase = $264,434
2008 Year-End Net Worth = $1,151,835
Assumptions:
Job Income Growth = 10%
Business Income Growth = 15%
Annual Return on Portfolio = 8%
Year-Over-Year Growth = 3%
Expense Growth = 5%
Tax Growth = 9%
Output:
2008 Net Worth Increase = $303,682
2008 Year-End Net Worth = $1,191,083
Fore!
Assumptions:
Job Income Growth = 5%
Business Income Growth = 11%
Annual Return on Portfolio = 7%
Year-Over-Year Growth = 12%
Expense Growth = 10%
Tax Growth = 5%
Output:
2008 Net Worth Increase = $282,718
2008 Year-End Net Worth = $1,170,119
Some more ambitious numbers:
Assumptions:
Job Income Growth = 8%
Business Income Growth = 5%
Annual Return on Portfolio = 11%
Year-Over-Year Growth = 3%
Expense Growth = 10%
Tax Growth = 10%
Output:
2008 Net Worth Increase = $314.708
2008 Year-End Net Worth = $1.202.109
Assumptions:
Job Income Growth = 8%
Business Income Growth = 12%
Annual Return on Portfolio = 4%
Year-Over-Year Growth = 4%
Expense Growth = 8%
Tax Growth = 8%
Output:
2008 Net Worth Increase = $255,042
2008 Year-End Net Worth = $1,142,443
Assumptions:
Job Income Growth = 10%
Business Income Growth = 25%
Annual Return on Portfolio = 9%
Year-Over-Year Growth = 5%
Expense Growth = 15%
Tax Growth = 5%
Output:
2008 Net Worth Increase = $317,750
2008 Year-End Net Worth = $1,205,151
Assumptions:
Job Income Growth = 3%
Business Income Growth = 10%
Annual Return on Portfolio = 5%
Year-Over-Year Growth = 5%
Expense Growth = 4%
Tax Growth = 4%
Output:
2008 Net Worth Increase = $259,458
2008 Year-End Net Worth = $1,146,859
Assumptions:
Job Income Growth = 12%
Business Income Growth = 11%
Annual Return on Portfolio = 11%
Year-Over-Year Growth = 58%
Expense Growth = 7%
Tax Growth = 0%
Output:
2008 Net Worth Increase = $374,372
2008 Year-End Net Worth = $1,261,773
Assumptions:
Job Income Growth = 10%
Business Income Growth = 10%
Annual Return on Portfolio = 2%
Year-Over-Year Growth = 5%
Expense Growth = 8%
Tax Growth = 10%
Output:
2008 Net Worth Increase = $236.845
2008 Year-End Net Worth = $1.124.246
Assumptions:
Job Income Growth = 9%
Business Income Growth = 4%
Annual Return on Portfolio = 5%
Year-Over-Year Growth = 1%
Expense Growth = 10%
Tax Growth = 10%
Output:
2008 Net Worth Increase = $255,027
2008 Year-End Net Worth = $1,142,428
Assumptions:
Job Income Growth = 5%
Business Income Growth = 6%
Annual Return on Portfolio = 5%
Year-Over-Year Growth = 6%
Expense Growth = 5%
Tax Growth = 10%
Output:
2008 Net Worth Increase = $254,933
2008 Year-End Net Worth = $1,142,334
Assumptions:
Job Income Growth = 5%
Business Income Growth = 10%
Annual Return on Portfolio = 3%
Year-Over-Year Growth = 0%
Expense Growth = 2%
Tax Growth = 2%
Output:
2008 Net Worth Increase = $244,929
2008 Year-End Net Worth = $1,132,330
obviously, this pegs me as less optimistic than some of the other estimates here. even this, points to roughly a 19k gain per month which, for 2007 may be possible but 2008 seems to be a little more difficult to expect.
just notice this about your spreadsheet - the year over year growth cell -> if you set it to 0%, it still fills in the appreciation of vested stock options 2008 column with 60,000. based on your calculation of net worth increase, i think this is actually misleading. so, you're basically saying that 0% translates into an appreciation in net worth of 60k. i don't think you intended that, did you? Either that you should change "year over year growth" to "change in value of stock options"
also, not really sure where the 60k actually came from in the first place - you're ending november 2007 with 82.5k unless you're marking to market the latest value or assuming that you're going to actually continue to exit some stock options...
Assumptions:
Job Income Growth = 10%
Business Income Growth = 30%
Annual Return on Portfolio = 10%
Year-Over-Year Growth = 7%
Expense Growth = 5%
Tax Growth = 5%
Output:
2008 Net Worth Increase = $343,120
2008 Year-End Net Worth = $1,230,521
Probably to conservative - but you never know.
Assumptions:
Job Income Growth = 10%
Business Income Growth = 8%
Annual Return on Portfolio = 7%
Year-Over-Year Growth = 6%
Expense Growth = 6%
Tax Growth = 4%
Output:
2008 Net Worth Increase = $293,107
2008 Year-End Net Worth = $1,180,508
Assumptions:
Job Income Growth = 5%
Business Income Growth = 8%
Annual Return on Portfolio = 8%
Year-Over-Year Growth = 6%
Expense Growth = 4%
Tax Growth = 3%
Output:
2008 Net Worth Increase = $294,012
2008 Year-End Net Worth = $1,181,413
Assumptions:
Job Income Growth = 7%
Business Income Growth = 12%
Annual Return on Portfolio = 15%
Year-Over-Year Growth = 5%
Expense Growth = 4%
Tax Growth = 5%
Output:
2008 Net Worth Increase = $369,775
2008 Year-End Net Worth = $1,257,176
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