YTD 2025 Networth tracking thread

[limster]

Shouldnt the percentage gains be referenced from 1 Jan portfolio value? Your seems to be referenced from 31 Dec value.

since 1 Jan is a non-trading/public holiday, shouldn't the 31 Dec and 1 Jan value be roughly the same?

 

[blue_denim24]

What I meant was how 13 and 18 percent figure is calculated? 18 percent of 1.498 million is 269K and if you total 1.228m+269K that comes to be around approx 1.498m. so 18 percent networth growth is reported based on 1.498m number where as it should have been referenced from 1.228m.

13 percent growth from Jan 1 2023 value for a portfolio seems quite low looking at how amazing most indices have done this year unless OP was deep into china. This is what piqued my attention into numbers mentioned

 

[limster]

What I meant was how 13 and 18 percent figure is calculated? 18 percent of 1.498 million is 269K and if you total 1.228m+269K that comes to be around approx 1.498m. so 18 percent networth growth is reported based on 1.498m number where as it should have been referenced from 1.228m.

13 percent growth from Jan 1 2023 value for a portfolio seems quite low looking at how amazing most indices have done this year unless OP was deep into china. This is what piqued my attention into numbers mentioned

Many local investors overweight Singapore (including local bloggers like ASSI) and end up -0.5% (excl dividends).

So 13% is very good! Even Dow Jones is only 13.7%. Though frankly, 1 year performance doesn't say much by itself. More important to look at 3 and 5 year average return as some tech investors really got hurt badly last year.

Since Revhappy is not a tech investor, no reason to benchmark against Nasdaq.

 

[kickass22]

My liquid net worth ending the year 2023 stands at 347k with the help of some last minute market boost and an average passive income of $300/month. Goal for next year would be to exceed 400k, stretch goal 415k and also to achieve a passive income of $500/month. Overall, I am very happy with my progress as I never expected to exceed a third of a million by that much Great way to end my 30th birthday alive on earth

Congrats on your achievement! Just a suggestion and maybe you are already doing this. It would be good for you to also write down how you are going to reach that goal. Is it through savings from your salary? Reinvesting your dividend? or expecting markets to even higher? A clear well written plan will help you track and reach your goal.

My two cents. Hope it helps.

 

[revhappy]

What I meant was how 13 and 18 percent figure is calculated? 18 percent of 1.498 million is 269K and if you total 1.228m+269K that comes to be around approx 1.498m. so 18 percent networth growth is reported based on 1.498m number where as it should have been referenced from 1.228m.

13 percent growth from Jan 1 2023 value for a portfolio seems quite low looking at how amazing most indices have done this year unless OP was deep into china. This is what piqued my attention into numbers mentioned

Yes, I calculate returns on the basis of current networth rather than starting point networth. It is easier in excel, to divide by the current row value rather than refer to starting of the year value.

If you think about it logically, using the current networth as the basis makes more sense to get the feel of how much the growth is worth it. For example; if you started with 50k and your networth grew by 100k(due to new salary savings too), so current networth is 150k. If you divide 100/50, you get 200% growth, which sounds great, but it is meaningless. Rather, 100/150=66% which gives you the context that growth amount of 100k accounts for 66% of your current networth.

Regarding the number looking underwhelming, my portfolio is 60/40, although equities did very well, the fixed income component will always bring down the average returns.

 

[revhappy]

Impressive 270k increase in one year! I remember you don't own property and also no cpf so that's purely cash investments?

Thanks, yes, no CPF, so my salary savings show up in the networth growth; so out of 270k, 75k is salary savings and 195k is the remaining growth from due to investments.

 

[Nofear40]

Thanks, yes, no CPF, so my salary savings show up in the networth growth; so out of 270k, 75k is salary savings and 195k is the remaining growth from due to investments.

Your investments is doing very well!

 

[homer123]

YTD Liquid asset growth 14.65% ..it was only 4.43% 2 month ago

Everything else like dividend , portfolio size also ATH for 2023

 

[limster]

My passive income continued to grow in 2023.
I achieved FI in 2021, so these are just extra funds that I can save towards future 'retirement projects.'

 

[highsulphur]

My passive income continued to grow in 2023.
I achieved FI in 2021, so these are just extra funds that I can save towards future 'retirement projects.'

any dependents?

 

[narutos]

Equity / Bond (include CPF) / Cash allocation: 61.02% / 37.68% / 1.30%

YTD portfolio growth: 14.79%

 

[blue_denim24]

Yes, I calculate returns on the basis of current networth rather than starting point networth. It is easier in excel, to divide by the current row value rather than refer to starting of the year value.

If you think about it logically, using the current networth as the basis makes more sense to get the feel of how much the growth is worth it. For example; if you started with 50k and your networth grew by 100k(due to new salary savings too), so current networth is 150k. If you divide 100/50, you get 200% growth, which sounds great, but it is meaningless. Rather, 100/150=66% which gives you the context that growth amount of 100k accounts for 66% of your current networth.

Regarding the number looking underwhelming, my portfolio is 60/40, although equities did very well, the fixed income component will always bring down the average returns.

Thanks for the explanation but i use ibkr and my assumption is they calculate your percentage gains from the starting point (not the end). I get that this is your personal preference but this is not how standard reporting is done.

Fwiw, my ytd snapshot from ibkr (80 percent of my nw is in ibkr) is below and my performance looks very good this year because it calculates returns basing the year beginning value . So your percentage calculation cannot be compared to what standard brokerages report. Nevertheless to each his own.




But yes, very big absolute gains (250k+ in a year is not a small feet). Congratulations and happy new year!

 

[churnmaster]

My liquid net worth ending the year 2023 stands at 347k with the help of some last minute market boost and an average passive income of $300/month. Goal for next year would be to exceed 400k, stretch goal 415k and also to achieve a passive income of $500/month. Overall, I am very happy with my progress as I never expected to exceed a third of a million by that much Great way to end my 30th birthday alive on earth

Well done

 

[churnmaster]

Thanks for the explanation but i use ibkr and my assumption is they calculate your percentage gains from the starting point (not the end). I get that this is your personal preference but this is not how standard reporting is done.

Fwiw, my ytd snapshot from ibkr (80 percent of my nw is in ibkr) is below and my performance looks very good this year because it calculates returns basing the year beginning value . So your percentage calculation cannot be compared to what standard brokerages report. Nevertheless to each his own.




But yes, very big absolute gains (250k+ in a year is not a small feet). Congratulations and happy new year!

Actually, a better way to look at the investment performance in the current case is taking a 2 yrs period instead of 1 yr.

Take the change in networth between 2023 and 2021 and then deduct the net savings over the 2 yrs period of 2022 to 2023, to arrive at absolute investment returns over a 2 yrs period. Further, calculate % annualized returns by taking the 2021 networth as base and compare with the risk free rate (say 3%pa). This will tell you how much better your portfolio has performed over the given period. Ideally this annualized return should be higher than the risk free rate, however not many would have achieved that.

 

[revhappy]

Final tally for the year; in SGD terms:

YTD networth growth excluding new inflows = 13%
YTD networth growth including new inflows = 18%

Networth 1-Jan-2023 = 1.228 million SGD
Networth 31-Dec-2023 = 1.498 million SGD

This has been my best year of returns so far, although it is because of the very low base when markets had crashed end of last year.

First month of the year; in SGD terms:

YTD networth growth excluding new inflows = 2.2%
YTD networth growth including new inflows = 2.69%

Networth 1-Jan-2024 = 1.498 million SGD
Networth 31-Jan-2024 = 1.539 million SGD

China is down 5% this month and has hurt some of my returns, but thanks to strong performance by other markets and a weak SGD, overall Jan has been a good month. Can China stop falling please?

 

[d9_lives]

First month of the year; in SGD terms:

YTD networth growth excluding new inflows = 2.2%
YTD networth growth including new inflows = 2.69%

Networth 1-Jan-2024 = 1.498 million SGD
Networth 31-Jan-2024 = 1.539 million SGD

China is down 5% this month and has hurt some of my returns, but thanks to strong performance by other markets and a weak SGD, overall Jan has been a good month. Can China stop falling please?

I feel you. China brutalizes and tortures me. But...I like it.
Anyway,
Dec 2023 -> +/-2.3m.
Today -> +/-2.5xm. Some dumb luck with options.

 

[hwmook]

Networth 3-3.1m now, not bad at all. Reach 5-6m in 3-4 years then can retire.

 

[limster]

Networth 3-3.1m now, not bad at all. Reach 5-6m in 3-4 years then can retire.

nice, 3 to 6 m in 3-4 years!

 

[wira]

Networth 3-3.1m now, not bad at all. Reach 5-6m in 3-4 years then can retire.

nice ! very inspiring to hear what you guys have all achieved in your net worth !!
Hope i can even reach fraction of this

 

[bo_tak_chek_bbfa]

nice ! very inspiring to hear what you guys have all achieved in your net worth !!
Hope i can even reach fraction of this

If I have 3 million, I would throw letter straight away and shake my butt in front of my boss