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The return in my equity investments was around -30% I believe. However, I have a lot of the assets in paying down the house early or cash, so the overall net worth drop was only around -14% (but this includes funneling money into investments).

I think the more worrisome thing is that my expectations of 8-10% growth per year may not be reflective of true growth. It appears that a lot of the growth of the stock market in general was due to rising valuations to apply to P/E's - that is rising P/E's rather than rising earnings.

thus future returns may be lower than what I was anticipating, pushing out retirement further. And the extreme volatility of the last year I believe will make me more reluctant to retire with a 4% withdrawal amount, because I will be paranoid, thus pushing out the date further as well.

I haven't run exact numbers but hope to soon.
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