YTD 2025 Networth tracking thread

[limster]

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.

During GFC 2008 period, I was young, blur and lowly paid, but I still went all in to buy stocks, because when you are younger, you take more risks

I looked at the REITs with 10%+ forward dividend and thought they were really cheap, so I bought mostly REITs and STI ETF. Mapleetree Log, 34 cents, Frasers Centrepoint, 56 cents....

 

[westtraveller]

Single? How is the breakdown of your 2.6m?

Single with dependents lol.

Rough breakdown is 50% ETF/some tech stocks, 20% investment property, 20% FD/Tbill and 10% cash/random insurance policies. My FD and Tbill allocation is a bit high and I plan to cycle some maturing ones into ETF soon but also put a bit into SSB.

 

[highsulphur]

Single with dependents lol.

Rough breakdown is 50% ETF/some tech stocks, 20% investment property, 20% FD/Tbill and 10% cash/random insurance policies. My FD and Tbill allocation is a bit high and I plan to cycle some maturing ones into ETF soon but also put a bit into SSB.

balanced allocation. 20% investment property meaning around 500k? I suppose this was just part of the value or the full value? Possible to buy anything fully with this amount?

 

[westtraveller]

balanced allocation. 20% investment property meaning around 500k? I suppose this was just part of the value or the full value? Possible to buy anything fully with this amount?

Well.. should be logical deduction that it’s the equity in the investment property la

 

[wutawa]

Single with dependents lol.

Rough breakdown is 50% ETF/some tech stocks, 20% investment property, 20% FD/Tbill and 10% cash/random insurance policies. My FD and Tbill allocation is a bit high and I plan to cycle some maturing ones into ETF soon but also put a bit into SSB.

Index etf? I have s&p etf and bitcoin etf. Both having paper gain. Ssb buay pai, I have some too.

 

[yslvlys]

Are you happy with such return?

Can't say happy but feel OK. But if alternative to get more returns is to allocate 50% more to equities I can't sleep.

 

[yslvlys]

During GFC 2008 period, I was young, blur and lowly paid, but I still went all in to buy stocks, because when you are younger, you take more risks

I looked at the REITs with 10%+ forward dividend and thought they were really cheap, so I bought mostly REITs and STI ETF. Mapleetree Log, 34 cents, Frasers Centrepoint, 56 cents....

I started investing while in NTU. Stock choices are like yours as these were the in thing then. By the time I graduated in 2007 had around 30+k in stocks about 50% of portfolio. Then GFC happened and my stocks dropped 50%. That was when I knew I can't tolerate such drop and decided my max allocation is only 1/3 equities in order to still sleep well.

 

[westtraveller]

Index etf? I have s&p etf and bitcoin etf. Both having paper gain. Ssb buay pai, I have some too.

Straight up S&P 500

 

[wutawa]

Straight up S&P 500

nice, my s&p is +25% atm. btw, do u consider liability (eg. personal loan, car loan and housing loan) in your net worth?

 

[westtraveller]

nice, my s&p is +25% atm. btw, do u consider liability (eg. personal loan, car loan and housing loan) in your net worth?

My net worth calc is all assets minus all liabilities.

 

[yslvlys]

Straight up S&P 500

Which S&P etf do u use?

 

[westtraveller]

Which S&P etf do u use?

CSPX.. don’t ask me for detailed reasoning why CSPX.

 

[d5dude]

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.

Then just stay with 1/3 equity allocation. A permanently lower allocation is better than no allocation, its also better than constant fiddling that results in bad outcomes.

Nobody can time the market correctly all the time, and you only need to be wrong once or twice to lag the market badly.

 

[DevilPlate]

Then just stay with 1/3 equity allocation. A permanently lower allocation is better than no allocation, its also better than constant fiddling that results in bad outcomes.

Nobody can time the market correctly all the time, and you only need to be wrong once or twice to lag the market badly.

Most importantly is whether one can sleep at night even if the index down by 30-40% in a major downturn.

Hoard cash is better than panic sell at a loss during a downturn.

Must have deep faith in what u are investing….else 100% cash also not wrong.

 

[highsulphur]

Most importantly is whether one can sleep at night even if the index down by 30-40% in a major downturn.

Hoard cash is better than panic sell at a loss during a downturn.

Must have deep faith in what u are investing….else 100% cash also not wrong.

Tbh not many people are able to withstand a 50% drawdown

 

[sohguanh]

Tbh not many people are able to withstand a 50% drawdown

Tell that to investors who patronize casino both physical and online virtual. They going in with 100% win or loss

 

[DevilPlate]

Tell that to investors who patronize casino both physical and online virtual. They going in with 100% win or loss

U mean gamblers? Whahaha

 

[revhappy]

Tbh not many people are able to withstand a 50% drawdown

I think the acute pain is felt by mostly newbies who go all in at the top of the bull market. For example, so many people fell into the meme bubble trap of 2021, they went all in into ARKK and then lost more than 50%.

You need to do 2 things:
1) Invest in broad market index funds
2) slowly build the position and get acclimatised with it. People usually go all in and then all out.

 

[d5dude]

I think the acute pain is felt by mostly newbies who go all in at the top of the bull market. For example, so many people fell into the meme bubble trap of 2021, they went all in into ARKK and then lost more than 50%.

You need to do 2 things:
1) Invest in broad market index funds
2) slowly build the position and get acclimatised with it. People usually go all in and then all out.

Yep ARKK is still in a 68% drawdown while the S&P500 already made new highs a long time ago.

 

[Nofear40]

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.

That is about 3%… if you don’t mind, can share where you park the 800k cash? A lot of the options have upper limit…