YTD 2025 Networth tracking thread

[gold_eagle36]

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%
6 Oct 2023 1.01%




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Must have written down some hard losses in your early days

 

[churnmaster]

Must have written down some hard losses in your early days

Is that just a guess or you think that it cannot happen ?

 

[chopra]

Must have written down some hard losses in your early days

2020 2021 I didn’t record. mine’s iwda qqq eimi heavy



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[gold_eagle36]

Is that just a guess or you think that it cannot happen ?

Just a guess. Cause my xirr up and down also back to around 0%. It's like invest for nothing.

 

[direbmem]

Just a guess. Cause my xirr up and down also back to around 0%. It's like invest for nothing.

Exactly, if started dca within last 3-5 years machiam breakeven, worse than put in bank..

 

[Mephist0pheLes]

Exactly, if started dca within last 3-5 years machiam breakeven, worse than put in bank..

depends on what u buy? if u brought US market, u will be up 6-9% MWRR if u dca for the last 3-5 years.

 

[churnmaster]

Just a guess. Cause my xirr up and down also back to around 0%. It's like invest for nothing.

In that case you need to figure out the reason for the same and take corrective action.

The opportunity cost is much higher now with other alternatives paying 3-4% pa.

 

[revhappy]

Sep numbers in SGD terms:

YTD networth excluding new inflows = 9.82%
YTD networth including new inflows = 13.99%

Networth 1-Jan-2023 = 1.228 million SGD
Networth 30-Sep-2023 = 1.428 million SGD

My portfolio is down a bit this month, SGD fell by about 1% so that helped cushion the portfolio fall a bit. Now one more quarter left, hopefully we can have a year end rally.

Oct numbers in SGD terms:

YTD networth excluding new inflows = 8.27%
YTD networth including new inflows = 12.85%

Networth 1-Jan-2023 = 1.228 million SGD
Networth 31-Oct-2023 = 1.409 million SGD

Markets were hit badly this month, if feels like we have hit a near term bottom and we can have a small rally until the end of the year, hopefully.

 

[HoGnix]

Any Excel Spread Sheet to Share for net worth tracking?

 

[churnmaster]

Oct numbers in SGD terms:

YTD networth excluding new inflows = 8.27%
YTD networth including new inflows = 12.85%

Networth 1-Jan-2023 = 1.228 million SGD
Networth 31-Oct-2023 = 1.409 million SGD

Markets were hit badly this month, if feels like we have hit a near term bottom and we can have a small rally until the end of the year, hopefully.

Well done.

I think majority of your investment gains are coming from the India holdings in your portfolio.

 

[limster]

YTD networth excluding new inflows = 8.27%

You are probably outperforming a lot of SG REIT investors

 

[revhappy]

You are probably outperforming a lot of SG REIT investors

Well done.

I think majority of your investment gains are coming from the India holdings in your portfolio.

Actually last year end was bad for me, so the starting point is low base.

My fixed income is mostly Indian bond funds. Last year towards end INR depreciated suddenly but this year it has been flat.

But I think going forward developed markets offer better yields than EMs. Also EM currency like INR might come under pressure. This year was I was lucky.

 

[revhappy]

Any Excel Spread Sheet to Share for net worth tracking?

You can check investmentmoats blog has Google sheet.

 

[andyhtc]

Mine are mostly in safer areas like properties, T-bills, SSBs, fixed deposits, bank shares, CPF etc. So my overall gain is typically just 3% per year. Slow but steady, and barely sufficient to beat inflation

 

[limster]

Nice mini-rally this week. Fortunately I decided to 'buy the dip' by bringing forward my November DCA of VUSD and VWRD to end of October so I got a small 'discount' on the ETFs. I also bought LLOY, LGEN and GSK last week.

More significantly, while my portfolio tracked Vanguard World closely, there was a big divergence after July 2023. Fortunately, the gap has closed and I hope to match VT's performance this year. 2.6% more to my target 10% return for 2023.... so close, yet so far

 

[highsulphur]

Nice mini-rally this week. Fortunately I decided to 'buy the dip' by bringing forward my November DCA of VUSD and VWRD to end of October so I got a small 'discount' on the ETFs. I also bought LLOY, LGEN and GSK last week.

More significantly, while my portfolio tracked Vanguard World closely, there was a big divergence after July 2023. Fortunately, the gap has closed and I hope to match VT's performance this year. 2.6% more to my target 10% return for 2023.... so close, yet so far

Nice 3+% rally so far. Think MTD return is finally positive although still about 8% below the year high at the end of July.

 

[revhappy]

Nice 3+% rally so far. Think MTD return is finally positive although still about 8% below the year high at the end of July.

My gut feeling is we are unlikely to return to the consistently upward trending market in the US going forward and US markets will also become like rest of the world markets, range bound and dividend gains is the only gains.

 

[hwmook]

My gut feeling is we are unlikely to return to the consistently upward trending market in the US going forward and US markets will also become like rest of the world markets, range bound and dividend gains is the only gains.

That's why a lot of people don't make money, depend too much on gut feeling rather than the data.

If you believe that the market is range bound then you can sell options to make money, dividend gains is not the only way to make money.

 

[limster]

10% performance target reached (but losing badly to Vanguard World). Hope for 1 more month of green so I will have double digits in 2023

 

[zeroX26]

That's why a lot of people don't make money, depend too much on gut feeling rather than the data.

If you believe that the market is range bound then you can sell options to make money, dividend gains is not the only way to make money.

Most of the time his "gut feeling" all salah, esp his "doom calls".