2018 YTD investment performance thread

[ELKYme]

Wouldn’t it be nice when u know financially u have the option to do that

Have to also take into account that we only have a reasonably good quality of life till a certain age, need to discount away the part of our lives where we couldn’t enjoy even if we have the financial means (75?78?)
Let’s assume we retire at 65, we’re only left with 10+ years to seriously enjoy...after slogging for so many years.

Let's say by 50, no company wants to hire me and at the same time I meet my target, then just nice, I can tell them FU.

 

[homer123]

Surprising after including my dividend , my ytd is still positive 0.4% despite suffering the biggest drop in my portfolio in Oct.

 

[homer123]

My liquid networth growth excluding 2 of my properties..
2015: 10%
2016: 10%
2017: 17%
2018: 5% (projection)

Ofcourse, watching my networth is like how playing PUBG is for some people.

I just calculated my networth growth for previous years:

2015: 18.21% 555k
2016: 22.27% 679k
2017: 19.52% 812k
2018: 0.35% 814k

This is including new salary savings inflow. So after 3 strong years, this year was flat, which is okay.

 

[revhappy]

Let’s assume we retire at 65, we’re only left with 10+ years to seriously enjoy...after slogging for so many years.

Yeah, it is a trade-off. But I feel it is worth resisting the urge to splurge. The compounding works wonders. Let's say you avoid car ownership, the amount saved and then compounded over the years may be you can retire 5 years earlier. Worth it or not? Some people say they would rather want to have a car and willing to work till 60, that is also okay. It is a choice we have to make.

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[revhappy]

My liquid networth growth excluding 2 of my properties..
2015: 10%
2016: 10%
2017: 17%
2018: 5% (projection)

Nice!

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[Lasogette]

2016 - XIRR -0.87%
2017 - XIRR - 14.03%
2018 - XIRR- 3.37%

 

[ELKYme]

No urge to splurge from age 65 to 75?
As in travel the world with the Missus?

Yeah, it is a trade-off. But I feel it is worth resisting the urge to splurge.

 

[revhappy]

No urge to splurge from age 65 to 75?
As in travel the world with the Missus?

Yeah, that can be done depending on your financial situation. I feel this travelling as some kind of ultimate goal, is overrated. Yeah, you get to experience different cultures, do crazy stuff like bungy, glacier walk, northern lights, whale watching etc. To me it is no different than materialistic pleasures. It is funny, in my office many Europeans are there and they haven't been to Iceland or Norway. And we have Indians and Singaporeans in our office who go every year to Iceland, New Zealand etc.

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[limster]

Yeah, that can be done depending on your financial situation. I feel this travelling as some kind of ultimate goal, is overrated. Yeah, you get to experience different cultures, do crazy stuff like bungy, glacier walk, northern lights, whale watching etc. To me it is no different than materialistic pleasures. It is funny, in my office many Europeans are there and they haven't been to Iceland or Norway. And we have Indians and Singaporeans in our office who go every year to Iceland, New Zealand etc.

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want to get exposure to different culture overseas work posting or shorter attachment is the best because you get paid for it, main risk is that your office ask you to stay there longer when you actually want to go back home

 

[ELKYme]

Bungee at >60? Nah...done it when I was much younger though.

About Singaporeans & Indians travelling on family holidays, it’s in our DNA. It falls in the “enjoy some” for many.

Wishing you Happy Diwali in advance, may the festival of lights bring you joy and happiness!

Yeah, that can be done depending on your financial situation. I feel this travelling as some kind of ultimate goal, is overrated. Yeah, you get to experience different cultures, do crazy stuff like bungy, glacier walk, northern lights, whale watching etc. To me it is no different than materialistic pleasures. It is funny, in my office many Europeans are there and they haven't been to Iceland or Norway. And we have Indians and Singaporeans in our office who go every year to Iceland, New Zealand etc.

 

[crimsontactics]

Can count CPF?

Sent from . using GAGT

 

[revhappy]

Bungee at >60? Nah...done it when I was much younger though.

About Singaporeans & Indians travelling on family holidays, it’s in our DNA. It falls in the “enjoy some” for many.

Wishing you Happy Diwali in advance, may the festival of lights bring you joy and happiness!

Thanks

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[revhappy]

Can count CPF?

Sent from . using GAGT

You should.

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[sAVaGEmP5]

in b4 comparing all networth including debate whether cpf is consider yours a not and whether property debt include a not

10char

 

[JuniorLion]

Can count the following?
1) Policy Surrender Values
2) Assets valuation, such as rare notes (PMG Grade 65+ valued at $10k and above)
3) Current Value of commodities, Such as gold, platinum, silver, etc
4) Domain name that can be valued at $10k and above.
etc etc.

What can be included or excluded?

 

[limster]

Can count the following?
1) Policy Surrender Values
2) Assets valuation, such as rare notes (PMG Grade 65+ valued at $10k and above)
3) Current Value of commodities, Such as gold, platinum, silver, etc
4) Domain name that can be valued at $10k and above.
etc etc.

What can be included or excluded?

I have 4 magic cards that are listed at US$6,999.99 on StarCityGames.com ... do i count those?

 

[revhappy]

I did my October numbers. So YTD my figures in SGD are:

Networth on 1/1/2018: 812k

YTD Net new inflows from salary savings: 56K

Networth on 1/11/2018: 814k

Growth: 0.35%

Considering my salary savings were about 6.9% of my networth, my actual investment performance is -6.55%.

Not a good year so far

Update as of 8th Nov; YTD growth: 1.76% 826K.

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[ELKYme]

Congrats! How afew weeks can make such a difference.

The day when Dow dropped 800 points, many panicked & posted doomsday news here...I posted a thread “stay vested & be rewarded thread”.

History had shown that markets loves the midterms elections irregardless of results:
https://www.marketwatch.com/story/t...idterm-election-since-world-war-ii-2018-11-05

Just need to be mindful on stocks/bond balance, many experts say that in the next GFC, it’ll be a long & protracted one.

Update as of 8th Nov; YTD growth: 1.76% 826K.

 

[dry_county]

I maintain an excel file. One tab with salary/ expense data. In that one row for every month. I go to my online banking and note down my monthly expenses, salary and the difference is the savings for the month.

Then other tab for networth. One row per month. I note down end of the month balance of all assets. Like interactive brokers AUM as of end of month, then my fixed deposits balance, etc.

So I have this history of how my networth has moved month on month.

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Same bro. I had been keeping track of my household net worth every month since 2011. So that I can keep track my month to month saving and accumulation of wealth.

Definition of networth: liquid cash + value of investments + historical cost of property + cpf balances - mortgage loan - credit card loans. Is that the same for you?

 

[dry_county]

Yeah, it is a trade-off. But I feel it is worth resisting the urge to splurge. The compounding works wonders. Let's say you avoid car ownership, the amount saved and then compounded over the years may be you can retire 5 years earlier. Worth it or not? Some people say they would rather want to have a car and willing to work till 60, that is also okay. It is a choice we have to make.

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I agree that car is a waste of money.