YTD 2025 Networth tracking thread

[narutos]

I had a quick look , woah, they hold very interesting stocks in top 10 holdings. He must be a bloody good fund manager. Thanks for the head up.

Probably those stocks benefit from Biden's simi Act here Act there, e.g. Build Back Better Act, Inflation Reduction Act, CHIPS Act.

 

[yslvlys]

After receiving my salary today, finally hit 1MSGD liquid networth. Me ish bbfa, still living with parents at 41 going to 42 end of year. 75%+ cash in high interest deposits / MMF and 25% in equities. Waiting for crash to buy more. Excl. CPF 550kSGD+ with 330k+ in OA and 170k+ in SA. Still long way to FIRE...

 

[highsulphur]

After receiving my salary today, finally hit 1MSGD liquid networth. Me ish bbfa, still living with parents at 41 going to 42 end of year. 75%+ cash in high interest deposits / MMF and 25% in equities. Waiting for crash to buy more. Excl. CPF 550kSGD+ with 330k+ in OA and 170k+ in SA. Still long way to FIRE...

i was like you in my 30s to early 40s, keeping a big chunk of my wealth in high yield cash accounts, waiting for a correction but the question you need to ask yourself is whether global equity markets will be higher or lower in 20 years time when you retire around 60s. If the answer is higher, you need to just close your eyes and buy into the market thru global equity etfs.

 

[yslvlys]

i was like you in my 30s to early 40s, keeping a big chunk of my wealth in high yield cash accounts, waiting for a correction but the question you need to ask yourself is whether global equity markets will be higher or lower in 20 years time when you retire around 60s. If the answer is higher, you need to just close your eyes and buy into the market thru global equity etfs.

I think will be higher but I also think I could be wrong. If I'm right, markets 2X in 5 years. I will be happy to gain 250k. If I'm wrong, I would still have 800k+ cash. The cash currently also giving me 2k+ interest per mth, which allow me to save almost 100% of my salary every mth. So not too rush to deploy into equity for this reason as well.

 

[highsulphur]

I think will be higher but I also think I could be wrong. If I'm right, markets 2X in 5 years. I will be happy to gain 250k. If I'm wrong, I would still have 800k+ cash. The cash currently also giving me 2k+ interest per mth, which allow me to save almost 100% of my salary every mth. So not too rush to deploy into equity for this reason as well.

fortune favours the brave

I used my "reserves" during covid but even if one deployed it before covid, he would have been much better off than holding cash provided he rode through the cycles from 2020 to 2024

 

[wutawa]

After receiving my salary today, finally hit 1MSGD liquid networth. Me ish bbfa, still living with parents at 41 going to 42 end of year. 75%+ cash in high interest deposits / MMF and 25% in equities. Waiting for crash to buy more. Excl. CPF 550kSGD+ with 330k+ in OA and 170k+ in SA. Still long way to FIRE...

congrats on hitting the 7th digit. dont close your eyes when buying anything especially if it involves big amount of money. always know what u r buying and monitor them regularly. i tink hk and china mkt quite jialak now. not going to buy?

 

[limster]

After receiving my salary today, finally hit 1MSGD liquid networth. Me ish bbfa, still living with parents at 41 going to 42 end of year. 75%+ cash in high interest deposits / MMF and 25% in equities. Waiting for crash to buy more. Excl. CPF 550kSGD+ with 330k+ in OA and 170k+ in SA. Still long way to FIRE...

Another question is how successful you were in timing previous corrections. For example, did you correctly time the 2022 correction and make lots of money?

If you timed 2022 correctly and made money, i guess no harm trying again.
If you didn't... are you sure you'll be able to correctly time the next correction?

 

[limster]

i was like you in my 30s to early 40s, keeping a big chunk of my wealth in high yield cash accounts, waiting for a correction but the question you need to ask yourself is whether global equity markets will be higher or lower in 20 years time when you retire around 60s. If the answer is higher, you need to just close your eyes and buy into the market thru global equity etfs.

I agree with you - act according to your own belief in where the market will be at the end of the year if you are an investor

My call is for 2024 to be a green year, so I bought more ETFs in Jan/Feb even though I felt that S&P500 was rather high. Since then, it has gone up even further.... one lesson I learnt is never underestimate the power of the US market

 

[limster]

I finally caught up with Vanguard World!

 

[highsulphur]

I finally caught up with Vanguard World!

quite close to mine!

 

[yslvlys]

Another question is how successful you were in timing previous corrections. For example, did you correctly time the 2022 correction and make lots of money?

If you timed 2022 correctly and made money, i guess no harm trying again.
If you didn't... are you sure you'll be able to correctly time the next correction?

I was wrong in 2007/8. And didn't dare to buy in when it recovered in 2010/11/12. Did go in during 2022 but not in a big way. So I guess I'm more wrong than right.

 

[yslvlys]

congrats on hitting the 7th digit. dont close your eyes when buying anything especially if it involves big amount of money. always know what u r buying and monitor them regularly. i tink hk and china mkt quite jialak now. not going to buy?

Haha I have 75% cash, i am very careful. Did buy a bit into china/hk in 2023 but it fell and I just held on. Bought a bit of US REITS and went down as well so I just hold. I guess I trust myself but not too much

 

[highsulphur]

I was wrong in 2007/8. And didn't dare to buy in when it recovered in 2010/11/12. Did go in during 2022 but not in a big way. So I guess I'm more wrong than right.

that is my point. if you had bought, even if you were wrong for 2-3 years, you will still end up "right" now

 

[yslvlys]

that is my point. if you had bought, even if you were wrong for 2-3 years, you will still end up "right" now

Yeah but I'm just afraid this time it's different. Anyway I still have 250k exposure in stocks. If markets moon, the gain is significant as well, at least for me. If it doesn't, I feel fine also.

 

[revhappy]

Yeah but I'm just afraid this time it's different. Anyway I still have 250k exposure in stocks. If markets moon, the gain is significant as well, at least for me. If it doesn't, I feel fine also.

The way to solve this problem is fine the gap between your current allocation and what you beleive is your ideal allocation

Currently you are 25% and let's say your ideal allocation with which you can sleep well at night is 50%. So you just need to design a path to reach 50%.

You can use the rising equity glidepath and decide in how many years you want to reach there and how you want to reach there. Give yourself a target of say 3 years. Then map what your new flows is going to be over 3 years and then calculate how much extra you need to move from existing cash to equities and then divide the amount by 36 and DCA every month.

3 years is a long enough period. If markets rise for 3 years and then crash, over the 3 years all your existing and new allocations would have increased in value, so even with the crash you won't come down crashing to earth.

DCA is your best tool available, use it effectively.

I was like you just before and even during COVID. Then over 2021, 2022 and 2023, I DCA and reached 60% allocation from 30%.

 

[yslvlys]

I think the main diff is limster, highsulphur, revhappy are in relatively high paying jobs or in fairly senior positions (banking IT etc) so your reserves are more easily replenished, that short term losses may matter less. And I don't have very positive investment experience since I graduated. So risk tolerance is much lower. My ideal allocation is actually just 1/3 equities.

 

[bo_tak_chek_bbfa]

After receiving my salary today, finally hit 1MSGD liquid networth. Me ish bbfa, still living with parents at 41 going to 42 end of year. 75%+ cash in high interest deposits / MMF and 25% in equities. Waiting for crash to buy more. Excl. CPF 550kSGD+ with 330k+ in OA and 170k+ in SA. Still long way to FIRE...

1.5million at 41 why cannot fire? I would happily quit with that amount haha

 

[westtraveller]

Checked today and realised total net worth has ticked over 3M. If excluding cpf would be about 2.6M.

Another milestone on the way to retirement

Early 40s. I am technically FI but will continue working and accumulating for next decade. Fingers crossed can avoid retrenchment and all that.

 

[d9_lives]

I would still have 800k+ cash. The cash currently also giving me 2k+ interest per mth,

Are you happy with such return?

 

[highsulphur]

Checked today and realised total net worth has ticked over 3M. If excluding cpf would be about 2.6M.

Another milestone on the way to retirement

Early 40s. I am technically FI but will continue working and accumulating for next decade. Fingers crossed can avoid retrenchment and all that.

Single? How is the breakdown of your 2.6m?