YTD 2026 Networth tracking thread

[wutawa]

No idea but its probably insignificant, my largest equity holding is still CSPX and its an accumulating fund so dividends are always reinvested.

I'm currently withdrawing from my fixed income portfolio, which consists of mostly SGD denominated wholesale bonds and some SSB. I get ~4% coupon yield on the portfolio or ~70K P.A, so far I've not had to sell anything to meet my expenses, which is basically what I was expecting.

cspx is also my biggest holding 28%, next is google 20%.
my 2025 div only usd400.

 

[yslvlys]

nw up $80k for 2025

Stocks: US - no change
Index ETF: S&P500 - aggressively dca
Bonds/Funds: SSB, Mari Invest Income - sold mmf to buy income fund

How much of the gain is capital injection?

 

[wutawa]

How much of the gain is capital injection?

this is a good qtn.
nw up $80k, profit $50k, so capital injection should be $30k.
income $46k, expense $16k, savings $30k.
considering my salary less than $2k, this is also very good.

 

[d5dude]

Seriously I don’t understand this because cpf is already the largest bond. Most ppl I know has FRS which will give them average of $1700_ Then with a cpf OA of like $700k, they draw another $1500 from their 2.5% interest. Another $2,000 from their reits which already give them $5,200 per month. The rest can all be in stocks to get higher returns

I FIRE’d at 49, cpflife payout starts at 65.

 

[elvintay07]

I FIRE’d at 49, cpflife payout starts at 65.

Good lo. Means you even more satki. Let’s assume

(1) you don’t touch your cpf OA and pass down to your family 40 years later, they will get $2.7mil
(2) assuming you don’t touch your current portfolio and hand it down 40 years later, it will be like $93mil

Add in properties, your descendants will be ultra huat kueh

 

[homer123]

My next bonus will come in a couple of months time. Maybe use it to get some equities. DCA what if you don't mind sharing?

SSB take less than a month to liquidate and can be a few day if you need it before the cutoff date. I would include it as almost emergency cash

 

[Velton]

I presented my portfolio to AI and was advised to reduced my exposure to sg stocks in favour of global equities hahaha

Got use a few other AIs to compare? Haha

 

[Velton]

my us stocks will be the fastest. if i sell tonight, i will get money the next morning. settlement is t+1. scb fx and transfer are immediate even for sun/ph. got transfer delay if > $50k.
but i prefer to sell my income fund. transaction is t+2 if sell before 3pm.

i rarely use hard cash or even bank money. although my parents allowance and dca are recurring transfers, they are stoppeable during emergency. my daily expenses and bills are mostly paid thru cc.

Ok that's not too bad. I guess I may have been a little conservative. Maybe can use 100k on equities. New year, maybe I can pick a good one! Haha

 

[Velton]

SSB take less than a month to liquidate and can be a few day if you need it before the cutoff date. I would include it as almost emergency cash

Thank you for sharing.

 

[Jirachi]

Main stock portfolio +40.68%
2Y returns +134.71%
2Y CAGR +53.2%

Dividends portfolio +34.35%

 

[SpeedingBullet]

wah @Velton shushu also come in here :O

 

[elvintay07]

Wow! $170k gain by doing nothing

 

[Velton]

wah @Velton shushu also come in here :O

Learn from the gurus here Mah

 

[SpeedingBullet]

Learn from the gurus here Mah

more like we shd learn from u leh

 

[DevilPlate]

this is a good qtn.
nw up $80k, profit $50k, so capital injection should be $30k.
income $46k, expense $16k, savings $30k.
considering my salary less than $2k, this is also very good.

Your mthly salary shd be 3k+?
Anyway good for u to be extremely frugal. Many in yr situation would be living paycheck to paycheck in this materialistic world.

 

[PrincessBunny]

Stocks Portfolio YTD (31 Dec)

P&L: $1,776,538.12
Realised: $351,881.92
Unrealised: $1,424,656.2

 

[highsulphur]

Stocks Portfolio YTD (31 Dec)

P&L: $1,776,538.12
Realised: $351,881.92
Unrealised: $1,424,656.2

Congrats. How are you progressing in terms of retirement planning?

 

[wutawa]

Your mthly salary shd be 3k+?
Anyway good for u to be extremely frugal. Many in yr situation would be living paycheck to paycheck in this materialistic world.

erm, i alrdy said my mthly salary is $1k+.. my income includes salary, govt payouts, etc. hopefully jun 2026 can get increment to $2k.

 

[PrincessBunny]

Congrats. How are you progressing in terms of retirement planning?

Can retire at anytime

 

[highsulphur]

Can retire at anytime

Congrats