YTD 2025 Networth tracking thread

[hwmook]

So if China slow down, will the world be affected?

It's already happening. Just look at what Apple and Tesla are doing in China. They are aggressively reducing their prices in order to slow the drop in demand. The world economy growth will slow down as a whole but it will not be even in all markets. Just avoid the China companies and you will be fine. Buying the dip or catching the falling knife? If the stock is 20% exposed to China then it might be buying the dip but those stock with 80% exposure to China then its catching the falling knife.

 

[Mephist0pheLes]

Dec 22: 822k
Jul 23: 953k
Aug 23: 871k (-86k for hdb downpayment and BSD )

 

[highsulphur]

Dec 22: 822k
Jul 23: 953k
Aug 23: 871k (-136k for hdb downpayment and BSD )

Just converting one asset into another

 

[sohguanh]

Just converting one asset into another

Later if get married have kids more to spend haha. Been through that suffering soon to be free hehe

 

[revhappy]

Dec 22: 822k
Jul 23: 953k
Aug 23: 871k (-136k for hdb downpayment and BSD )

Congratulations on buying the house. Rents are going insane right now. Best to have a house of your own.

 

[lasnoblur]

glad to see everyone doing okay.

overall, risk management and sustainability for the long journey is important.

for me, still about the same strategy.
less than 50% allocation in equities and bonds.

As portforlio equities (SG, China, US) have 50% china exposure, they are still hurting. i have employ options strategy for cushion. SG exposure is relatively flat compared to start of this year.

For crypto, i am holding and observing since end of last year. very small % of portfolio but it still hurts. Unfortunately, i am one of the gemini earn customers that lent to genesis (managed to withdraw half of my portfolio but have another half halted).

 

[highsulphur]

glad to see everyone doing okay.

overall, risk management and sustainability for the long journey is important.

for me, still about the same strategy.
less than 50% allocation in equities and bonds.

As portforlio equities (SG, China, US) have 50% china exposure, they are still hurting. i have employ options strategy for cushion. SG exposure is relatively flat compared to start of this year.

For crypto, i am holding and observing since end of last year. very small % of portfolio but it still hurts. Unfortunately, i am one of the gemini earn customers that lent to genesis (managed to withdraw half of my portfolio but have another half halted).

So you are holding 50% or that's property?

 

[lasnoblur]

So you are holding 50% or that's property?

current: 50% cash, 50% equities and bonds.

I just recently/purchased a property that reduces my cash few months ago. i have excluded that.

 

[highsulphur]

current: 50% cash, 50% equities and bonds.

I just recently/purchased a property that reduces my cash few months ago. i have excluded that.

How old are you? Holding out for a crash?

 

[Nofear40]

Dec 22: 822k
Jul 23: 953k
Aug 23: 871k (-86k for hdb downpayment and BSD )

Wa.. close to 1m cash…

 

[highsulphur]

Wa.. close to 1m cash…

He didn't say its all in cash

 

[revhappy]

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

Aug numbers in SGD terms:
YTD networth excluding new inflows = 10.68%
YTD networth including new inflows = 14.45%

Networth 1-Jan-2023 = 1.228 million SGD
Networth 31-Aug-2023 = 1.435 million SGD

Although global equities are down, my bond allocation is mainly Indian Rupee bonds, which have done well and rupee has been quite strong. My allocation to China although small, took a big hit, otherwise my performance would have been even better.

 

[elloz123]

Dec 22: 822k
Jul 23: 953k
Aug 23: 871k (-86k for hdb downpayment and BSD )

Grats on hitting 7.

 

[DevilPlate]

Although global equities are down, my bond allocation is mainly Indian Rupee bonds, which have done well and rupee has been quite strong. My allocation to China although small, took a big hit, otherwise my performance would have been even better.

Interesting INR bonds

For Singaporeans, not much choices. I wana pump more into CPF also cannot

 

[thretiredDad]

Wa.. close to 1m cash…

Include cpf

 

[Nofear40]

Include cpf

Still nice

 

[limster]

August 2023 was a so-so month for me. my 2023 target is 10% return, so hopefully there will be a year-end rally

 

[highsulphur]

August 2023 was a so-so month for me. my 2023 target is 10% return, so hopefully there will be a year-end rally

My IBKR portfolio ytd return is around 14% so far. Just tracking global index. Last year was horrible but I think is net positive given I had been DCA through the whole of 2022

 

[revhappy]

Interesting INR bonds

For Singaporeans, not much choices. I wana pump more into CPF also cannot

SGD is way better currency. If I had permanent residency here, I would keep my money here.

But now forget PR, my employment pass got downgraded to S Pass. As per the new rules for foreigners in financial services and aged close to 45 should be making 11.5k a month to get EP. Otherwise S pass. So I feel like a blue collar worker now even though I work in banking IT and earn more than 10k, lol.

 

[stanlawj]

SGD is way better currency. If I had permanent residency here, I would keep my money here.

But now forget PR, my employment pass got downgraded to S Pass. As per the new rules for foreigners in financial services and aged close to 45 should be making 11.5k a month to get EP. Otherwise S pass. So I feel like a blue collar worker now even though I work in banking IT and earn more than 10k, lol.

10k today in SG is like earning only 5k in 2005.

Starting pay for uni grads today should be 7k in order to match the equivalent 2005 dollars.

Wages are clearly not keeping up with inflation. Of course, govt and employers do not want to admit this. I always like to peg annual income as a % of private property price as a realistic guide.

With regards to currency, USD is now switching to be the strongest, but I think later it will switch to gold the strongest currency for the rest of the year into next year as majority of central banks around the world start to pivot one by one.