YTD 2026 Networth tracking thread

[OngHuatHuat]

Oh
Including of non-guaranteed portion I suppose

2008 FD rate still 4 %, so endowment rate should be somewhat similar.

 

[Nofear40]

2008 FD rate still 4 %, so endowment rate should be somewhat similar.

Hers is 15 years I think

 

[OngHuatHuat]

Hers is 15 years I think

I mean the endowment rate should be higher during that era, but I was quite surprised the insurer never cut return rate for the past 10 years of low interest rate period.

 

[Barbiedoll]

I thought you had a MM condo?

Sold it in 2018 to get back S$88k we first paid for ABSD when we bought our current condo.

 

[OngHuatHuat]

Sold it in 2018 to get back S$88k we first paid for ABSD when we bought our current condo.

Wasted. I think currently this kind of condo minimum 600 k sgd up depending on location.

 

[Barbiedoll]

Wasted. I think currently this kind of condo minimum 600 k sgd up depending on location.

Sold ours for S$600k plus at a small profit.

 

[Barbiedoll]

My networth increased by 24% from 2018 to 2023 thx to property valuation increasing from about S$1 200 000 to S$1 800 000 and CPF increase. Not including savings which is sadly not very much.

I remember my networth was around S$400k when in my mid 30s in my first matrimonial home which is an EC.

Thx mostly to property gains of S$800k (my share of S$1.6 mil gain) my networth has reached S$1.6 mil when I am 48 years old now.

I find property to be much more stable than stocks. Maybe I was lucky also to buy at the right timings like after SARS in 2002/3, after Lehman Bros in 2010 and in 2018 before the boom these few years.

 

[stanlawj]

Thinking of decoupling with hubby and buying another condo for rental with low or no loan. Good for passive income, capital appreciation and legacy planning. After we r gone, can leave one condo each to our 2 boys. Think will be difficult for them to own private property in future.

Problem is hubby very stuck on landed and dislikes condo.

If we have 2 Sg condos , can rent one out and stay in the other. Now rental very good, we actually put up our place for rent and sale to gauge market response and there were viewers for rental at $5500 and sale at $2 million.

Can retire in Sg already like that with 2 condos.

SG freehold landed property (note: strata-titled not counted) is the ultimate buy-n-hold wealth protector that can pass on to next gen. It's as good as gold because value cannot drop, unless forcefully repossessed by govt.

Anything else like leasehold/freehold strata-title of any form (condo/cluster) are just wealth accummulators that you need to periodically shed (i.e. sell/enbloc). So the disagreement between you and hubby could be down to the strategy. Your hubby wants to buy-n-hold forever, but are you instead thinking of capital appreciation in the shortest period of time?

They are two different strategies, but trying to time the fastest appreciation over decades and then match the final exit point with both your retirement points is quite tricky business.

 

[Barbiedoll]

SG freehold landed property (note: strata-titled not counted) is the ultimate buy-n-hold wealth protector that can pass on to next gen. It's like gold because value cannot drop, unless forcefully repossessed by govt.

Anything else like leasehold/freehold strata-title of any form (condo/cluster) are just wealth accummulators that you need to periodically shed (i.e. sell). So the disagreement between you and hubby could be down to the strategy. Your hubby wants to buy-n-hold forever, but are you instead thinking of capital appreciation in the shortest period of time?

They are two different strategies, but trying to time the fastest appreciation over decades and then match the final exit point with both your retirement point is quite tricky.

It's more a question of affordability for me as we would be putting most of our money in the landed if we own one and have little savings. I keep telling him we can't eat bricks. But he is more keen on it cause of good investment value like u said.
Anyway, we really cannot afford landed now as he is currently unemployed.

 

[revhappy]

My networth increased by 24% from 2018 to 2023 thx to property valuation increasing from about S$1 200 000 to S$1 800 000 and CPF increase. Not including savings which is sadly not very much.

I remember my networth was around S$400k when in my mid 30s in my first matrimonial home which is an EC.

Thx mostly to property gains of S$800k (my share of S$1.6 mil gain) my networth has reached S$1.6 mil when I am 48 years old now.

I find property to be much more stable than stocks. Maybe I was lucky also to buy at the right timings like after SARS in 2002/3, after Lehman Bros in 2010 and in 2018 before the boom these few years.

Your and your husband combined networth is very good and as you are already 50/close to 50 you can focus on enjoying the fruits of your labour. Like travel or pickup some hobbies.

 

[stanlawj]

It's more a question of affordability for me as we would be putting most of our money in the landed if we own one and have little savings. I keep telling him we can't eat bricks. But he is more keen on it cause of good investment value like u said.
Anyway, we really cannot afford landed now as he is currently unemployed.

Then it's a question of having the will to find the way. For private property, the option to create and rent out spare rooms is always available.

 

[Barbiedoll]

Your and your husband combined networth is very good and as you are already 50/close to 50 you can focus on enjoying the fruits of your labour. Like travel or pickup some hobbies.

Thanks. I am actually below average when compared to my medical peers many of whom are HODs or in private as a specialist already. One cardiologist friend in private has multiple supercars like Porsches, Ferraris and Aston Martin. We are lucky and blessed to be able to profit from property. But our passive income pales a lot with many of you so cannot really enjoy yet. I only have S$200k in cash and investments but my hubby has S$700k. But I pay for most things as he is unemployed. He helped me with my carloan of about S$50k though. So still cannot enjoy life yet with little passive income as he is very strict and thrifty with spending.

We already travelled to many places in the last 10-15 years with the kids when I had a better salary as a locum GP.

Now as a salaried GP, my pay is less, hardly any savings so cannot travel much.

 

[Barbiedoll]

Then it's a question of having the will to find the way. For private property, the option to create and rent out spare rooms is always available.

Now no extra rooms to rent out. Only way is to decouple and I buy another condo for rental but hubby says too concentrated in one asset class is dangerous.

 

[Barbiedoll]

Its really good that TS can save S$5k a mth. I earn about the same S$120k to S$130k pa and can barely save every mth.

 

[hwmook]

My networth increased by 24% from 2018 to 2023 thx to property valuation increasing from about S$1 200 000 to S$1 800 000 and CPF increase. Not including savings which is sadly not very much.

I remember my networth was around S$400k when in my mid 30s in my first matrimonial home which is an EC.

Thx mostly to property gains of S$800k (my share of S$1.6 mil gain) my networth has reached S$1.6 mil when I am 48 years old now.

I find property to be much more stable than stocks. Maybe I was lucky also to buy at the right timings like after SARS in 2002/3, after Lehman Bros in 2010 and in 2018 before the boom these few years.

There are much better ways to invest than property, you are just looking at the remnants of COVID. If not for COVID, the increase in property price barely beat inflation.

I am 40 and current networth is 2.2m. No property investment (though i made money from my residence), only invest in equities.

 

[Barbiedoll]

There are much better ways to invest than property, you are just looking at the remnants of COVID. If not for COVID, the increase in property price barely beat inflation.

I am 40 and current networth is 2.2m. No property investment (though i made money from my residence), only invest in equities.

That's very good. Do u have a high salary and save alot? How much of the S$2.2 mil is profit from yr equities?

My parents also mostly invested in equities. Now my mum inherited my dad's equities after he passed on and has dividend income. She says will pass the shares to me and my sis after she is gone but I am not hopeful that I will inherit it as she may need to cash out if she lives a long life.

 

[Barbiedoll]

There are much better ways to invest than property, you are just looking at the remnants of COVID. If not for COVID, the increase in property price barely beat inflation.

I am 40 and current networth is 2.2m. No property investment (though i made money from my residence), only invest in equities.

We still cannot find a better way to beat the returns of freehold landed property. My terrace increased from S$1.1 mil to S$1.8 mil in 3 years. And now in 5 years increased from S$1.8 to S$3 mil.

For equities, we made some and lost some so overall only a small gain. But we don't buy a lot of equities.

 

[direbmem]

There are much better ways to invest than property, you are just looking at the remnants of COVID. If not for COVID, the increase in property price barely beat inflation.

I am 40 and current networth is 2.2m. No property investment (though i made money from my residence), only invest in equities.

Cool, is this inclusive of your residence and CPF?

 

[hwmook]

Cool, is this inclusive of your residence and CPF?

Yes, my residence is just a simple 4rm hdb. CPF not a lot since never top up my SA before and use OA to pay for housing. Liquid networth is around 1.6m.

 

[revhappy]

I think returns are a function of our own behaviour rather than asset class. Property has advantage of cheap leverage and low liquidity and people hold for a long periods and dont see price volatility.