YTD 2025 Networth tracking thread

[Nofear40]

Yes, bto many years ago.
Been paying 5xx/month each.

We're in our late 30's, both my wife and I have >400k each in cpf, NOT considering amount used for loan.
Just add ave. 50k/y to cpf (cont. + Interest - loan) for 10y.

Unless my math is wrong, how can 1M50 be difficult?

For one person or couple?

 

[highsulphur]

For one person or couple?

Per pax

 

[limster]

Time for the usual monthly update. Double digit return but losing badly to Vanguard World

 

[hwmook]

Time for the usual monthly update. Double digit return but losing badly to Vanguard World

My portfolio like never move much for past 2 months.

 

[revhappy]

Jun numbers in SGD terms:
YTD networth excluding new inflows = 10.22%
YTD networth including new inflows = 13.13%

Networth 1-Jan-2023 = 1.228 million SGD
Networth 30-Jun-2023 = 1.414 million SGD

Equity allocation 60.79%

Jul numbers in SGD terms:
YTD networth excluding new inflows = 10.57%
YTD networth including new inflows = 13.92%

Networth 1-Jan-2023 = 1.228 million SGD
Networth 31-Jul-2023 = 1.427 million SGD

Jul felt very quiet, no drama. I didnt follow markets much in July, I guess that is good thing

 

[Nofear40]

Jul numbers in SGD terms:
YTD networth excluding new inflows = 10.57%
YTD networth including new inflows = 13.92%

Networth 1-Jan-2023 = 1.228 million SGD
Networth 31-Jul-2023 = 1.427 million SGD

Jul felt very quiet, no drama. I didnt follow markets much in July, I guess that is good thing

Very comfortable position if you go back to India…

 

[homer123]

Jul numbers in SGD terms:
YTD networth excluding new inflows = 10.57%
YTD networth including new inflows = 13.92%

Networth 1-Jan-2023 = 1.228 million SGD
Networth 31-Jul-2023 = 1.427 million SGD

Jul felt very quiet, no drama. I didnt follow markets much in July, I guess that is good thing

Your number is very impressive given that your networth has increased 199k in 7 months which is more than your annual take home salary after tax.

 

[chopra]

Xirr since inception in 2019
8th oct 2022 -4.93%
15 Nov 2022 0.69%
7 Feb 2023 -0.68%
9 Mar 2023 -4.19%
29 May 2023 -0.95%
2 August 2023 3.17%


Read HWZ Forum Rules!

 

[chopra]

Your number is very impressive given that your networth has increased 199k in 7 months which is more than your annual take home salary after tax.

he non sinkie. for sinkie, if include housing, i think alot of us also like tt



Read HWZ Forum Rules!

 

[revhappy]

Xirr since inception in 2019
8th oct 2022 -4.93%
15 Nov 2022 0.69%
7 Feb 2023 -0.68%
9 Mar 2023 -4.19%
29 May 2023 -0.95%
2 August 2023 3.17%


Read HWZ Forum Rules!

Have you moved everything to bonds?

 

[highsulphur]

he non sinkie. for sinkie, if include housing, i think alot of us also like tt



Read HWZ Forum Rules!

He pays rent which is equivalent to our mortgage payments

 

[homer123]

Xirr since inception in 2019
8th oct 2022 -4.93%
15 Nov 2022 0.69%
7 Feb 2023 -0.68%
9 Mar 2023 -4.19%
29 May 2023 -0.95%
2 August 2023 3.17%


Read HWZ Forum Rules!

Can you share how you do xirr?

 

[revhappy]

He pays rent which is equivalent to our mortgage payments

Yes, If Singaporeans are including cpf and home equity as part of networth then it will be correct comparison. My entire networth is liquid, no home equity and no cpf.

 

[highsulphur]

Haven't been actively tracking my networth since mid 2021. Got lazy

 

[d9_lives]

Jul numbers in SGD terms:
YTD networth excluding new inflows = 10.57%
YTD networth including new inflows = 13.92%

Networth 1-Jan-2023 = 1.228 million SGD
Networth 31-Jul-2023 = 1.427 million SGD

Jul felt very quiet, no drama. I didnt follow markets much in July, I guess that is good thing

Looking good! +200k in 7months
What's your FU number?

 

[revhappy]

Looking good! +200k in 7months
What's your FU number?

Thanks to the buoyant markets.
I already consider this number as FU, but I am not making any changes. I will just try to keep working in Singapore and accumulate whatever I can until my daughter starts her college.

 

[OngHuatHuat]

Yes, If Singaporeans are including cpf and home equity as part of networth then it will be correct comparison. My entire networth is liquid, no home equity and no cpf.

Primary residence + CPF are excluded from net asset calculation according to definition of net worth. So you are doing much better than most of us.
My networth is a big negative up to date according to the definition.

 

[highsulphur]

Primary residence + CPF are excluded from net asset calculation according to definition of net worth. So you are doing much better than most of us.
My networth is a big negative up to date according to the definition.

I would beg to differ to exclude cpf (especially if you are close to 55) and primary residence (if its not a small HDB) since the option to downgrade is there

 

[sohguanh]

I would beg to differ to exclude cpf (especially if you are close to 55) and primary residence (if its not a small HDB) since the option to downgrade is there

The key is in bold highlighted. So maybe readers need to share their real life age too. CPF are our hard-earned monies throughout our entire working career in Spore. It is OUR MONIES!!!

 

[OngHuatHuat]

I would beg to differ to exclude cpf (especially if you are close to 55) and primary residence (if its not a small HDB) since the option to downgrade is there

Primary residence needs to be excluded, but the debt associated with it needs to be included according to the definition of networth. So a big negative for me after working for many years according to that definition(we have to work to clear mortgage)