YTD 2025 Networth tracking thread

[revhappy]

Oct numbers in SGD terms:

YTD networth excluding new inflows = 8.27%
YTD networth including new inflows = 12.85%

Networth 1-Jan-2023 = 1.228 million SGD
Networth 31-Oct-2023 = 1.409 million SGD

Markets were hit badly this month, if feels like we have hit a near term bottom and we can have a small rally until the end of the year, hopefully.

Nov numbers in SGD terms:

YTD networth excluding new inflows = 10.68%
YTD networth including new inflows = 15.59%

Networth 1-Jan-2023 = 1.228 million SGD
Networth 30-Nov-2023 = 1.455 million SGD

Markets have bounced back nicely, except China which have been total sh!t show. I wish I sold my entire CN allocation during the Oct dip and moved to global markets.

 

[hwmook]

Nov numbers in SGD terms:

YTD networth excluding new inflows = 10.68%
YTD networth including new inflows = 15.59%

Networth 1-Jan-2023 = 1.228 million SGD
Networth 30-Nov-2023 = 1.455 million SGD

Markets have bounced back nicely, except China which have been total sh!t show. I wish I sold my entire CN allocation during the Oct dip and moved to global markets.

Go and read my posts on china, warn you guys china cannot invest already.

My portfolio YTD returns 76% but no point as the market drop a lot last year. Need to look at longer terms to see the real returns.

 

[Ec7171]

You can check investmentmoats blog has Google sheet.

Hi!

I'm new to investment.

I saw the blog. Do u think it is a good place to start learning? Or any good sites for learning as a beginner?

 

[limster]

Hi!

I'm new to investment.

I saw the blog. Do u think it is a good place to start learning? Or any good sites for learning as a beginner?

I looked at the blog to see if he has any introductory article tailored for beginners.

He has a section called guides, but it seems to have 100+ articles with no indication as to what a beginner should read first. So not user friendly.

The good news is Kyith does read these forums, so maybe he will redesign his 'guides' page to create a "beginner section" that links to a few articles for beginners.

 

[Mephist0pheLes]

Hi!

I'm new to investment.

I saw the blog. Do u think it is a good place to start learning? Or any good sites for learning as a beginner?

u jus need to know a few things about investment.

1. stay away from investments that charges high fees
2. insurance agents and bank RMs are not your friend, and apart from the financial jargons, they dunno anything about investment more than ur pet turtle.
3. >90% of the active traders/actively managed funds underperforms passive investing. and no, there's no way of choosing the 10% funds that outperforms.
4. dont time the market
5. dont listen to ppl making sell/buy call. they are as accurate as a monkey choosing the next winning stock.

 

[stanlawj]

u jus need to know a few things about investment.

1. stay away from investments that charges high fees
2. insurance agents and bank RMs are not your friend, and apart from the financial jargons, they dunno anything about investment more than ur pet turtle.
3. >90% of the active traders/actively managed funds underperforms passive investing. and no, there's no way of choosing the 10% funds that outperforms.
4. dont time the market
5. dont listen to ppl making sell/buy call. they are as accurate as a monkey choosing the next winning stock.

Since you didn't give any reasons, let me try to give the reasons:

1). High fees reduce your capital that can be compounded to make gains. Since fees are paid upfront (sales charge, commissions by brokers), the loss is double: capital loss + future gains on that capital lost.

2). Conflict of interest , i.e. insurance agents and Bank RMs are paid via commission on sales, so their interest is to sell more, not to compound your capital.

3). Winners outperform the market by extracting their gains from losers underperforming the market. Meaning: The 10% of superwinners (can be post-IPO traders and pre-IPO investors) get the extra edge over market from the 90% losers. For this reason, the entire financial services industry is designed to create 90% losers to let the house (insiders/management with stock options, pre-IPO investors, investment banks/underwriters) dump the stock on 90% losers.

4 and 5) Nobody, even AI, can predict the future with 100% accuracy all the time.
The question is what do you do about this to make investment/trading decisions?
It is called "CUTTING LOSS" (i.e. keep losses small). Don't be a bagholder, eg. holding BABA from 300 to 75. Cut at 270 (-10%) and forget about it.

If you invest 10 stocks in equal $ amounts, and all of them drop 10% immediately, then cut all 10 stocks. Your portfolio only drops 10% (if done without leverage). Is that too difficult? The trouble is most ppl cannot admit wrong, cut loss, and figure out how to reduce this incidence.

Also related to 4) and 5): Missing out on rally. (Market going to crash... don't dare to buy... later turn out to be bull market rally).
Which is bad: making losses or not making money?
Making losses is bad (see point 1). But not making money is fine, because capital is intact, you can still participate in the next cycle of liquidity pump.

Example: Suppose you miss out on Covid bull market from 2020 to 2021. Then just wait for the next dip and buy. It occurred in Oct 2022. There will always be opportunity as long as you are prepared and alert (watching). This discipline to wait for right conditions is the distinguishing characteristic of Warren Buffett. Slow and steady wins the race?

 

[churnmaster]

Hi!

I'm new to investment.

I saw the blog. Do u think it is a good place to start learning? Or any good sites for learning as a beginner?

New investors who come into the market during the bull phase tend to look at the near / mid term performance and try to extrapolate the same going forward. That can lead to unrealistic return expectation and disappointments. Having a realistic return expectation is very important.

Diversification and periodic review cum rebalancing are also very important to meet your financial goals in the long run.

Lastly, understanding the maths . .

A 10% drop requires 11% upmove,
a 20% drop requires 25% upmove and
a 30% drop requires 43% upmove

just to recoup the loss. Many are still recouping their losses from 2022.

Thus, having a plan to minimize the downside as stanlawj mentioned is the key to grow your wealth.

All the best.

 

[OngHuatHuat]

Nov numbers in SGD terms:

YTD networth excluding new inflows = 10.68%
YTD networth including new inflows = 15.59%

Networth 1-Jan-2023 = 1.228 million SGD
Networth 30-Nov-2023 = 1.455 million SGD

Markets have bounced back nicely, except China which have been total sh!t show. I wish I sold my entire CN allocation during the Oct dip and moved to global markets.

Very impressive growth in just a year. My stock allocation only 250 k sgd at the moment and more than half is in Maybank Malaysia which is defensive in nature, so I din benefit much on recently run up. Wish myself bought more Apple and QQQ a year back.

 

[limster]

Year end rally looks to be intact, pretty hopeful performance will be >10% this year....

 

[ntoken]

This year finally hit 1 mil,

- Cash is rolling balance to pay off bills
- SRS is all in STI ETF
- Crypto is on dogecoin, Derivatives are on STI and HSI long positions ,expiring early 2025 and early 2024 (hoping both index makes a comeback rally) if not will be wiped out
- Stock and Bonds are on STI etf, SSB (lock in higher rate for next 10 yr if not just rotate SSB when interest goes higher) and some SGS 5 yr bonds ( trying to hedge interest rates drop)
- CPF OA all currently bought into 3.X% tbills , SA maxed out
- managed to repay property loan before bank upz my loan rate to 3-4% (), matrimonial home so only have 50% ownership

Oncoming, Will be trying the following,
-Building a monthly fixed income ladder stream ($500) from SSB
- DCA in STI etf, i am unable to figure out if it is time for the crash.
- anything extra will be trying day trading in SPY 0DTE, STI DLCs.
- Dogecoin will be bought when i feel the price is right.

 

[highsulphur]

This year finally hit 1 mil,

- Cash is rolling balance to pay off bills
- SRS is all in STI ETF
- Crypto is on dogecoin, Derivatives are on STI and HSI long positions ,expiring early 2025 and early 2024 (hoping both index makes a comeback rally) if not will be wiped out
- Stock and Bonds are on STI etf, SSB (lock in higher rate for next 10 yr if not just rotate SSB when interest goes higher) and some SGS 5 yr bonds ( trying to hedge interest rates drop)
- CPF OA all currently bought into 3.X% tbills , SA maxed out
- managed to repay property loan before bank upz my loan rate to 3-4% (), matrimonial home so only have 50% ownership

Oncoming, Will be trying the following,
-Building a monthly fixed income ladder stream ($500) from SSB
- DCA in STI etf, i am unable to figure out if it is time for the crash.
- anything extra will be trying day trading in SPY 0DTE, STI DLCs.
- Dogecoin will be bought when i feel the price is right.

nice start. Can consider diversifying into global equities going forward.

how old are you?

 

[elvintay07]

New investors who come into the market during the bull phase tend to look at the near / mid term performance and try to extrapolate the same going forward. That can lead to unrealistic return expectation and disappointments. Having a realistic return expectation is very important.

Diversification and periodic review cum rebalancing are also very important to meet your financial goals in the long run.

Lastly, understanding the maths . .

A 10% drop requires 11% upmove,
a 20% drop requires 25% upmove and
a 30% drop requires 43% upmove

just to recoup the loss. Many are still recouping their losses from 2022.

Thus, having a plan to minimize the downside as stanlawj mentioned is the key to grow your wealth.

All the best

So far I made money because I sold those meme stocks at almost peak and whack elite 7s when ppl claim doom. Sibei heng because I see Adam Khoo seems to think the same way I think. Now my balls shrink already as I parked more investments in world index.

 

[highsulphur]

Just updated my semi annual spreadsheet except for my employee' deferred bonus which I need to go back office and check the latest numbers.

So far, seems like for the past 6 months, I am on track for a 5% increase in net assets (excluding properties) with minimal cash drag right now. For my financial assets (bonds+equities), the local vs global financial asset exposure is roughly half half. FWIW, I consider my CPF as a local bond.

 

[stanlawj]

This year finally hit 1 mil,

- managed to repay property loan before bank upz my loan rate to 3-4% (), matrimonial home so only have 50% ownership

Property is own home? Do you have a second property?

 

[ntoken]

nice start. Can consider diversifying into global equities going forward.

how old are you?

im 41 yrs old,
i started 20yrs ago walked into POEMS shop to open my acct to buy tbills, also used to have US brokerage acct from e*trade then IB, used to buy GLD, USO, CGC , stopped a few yrs ago cause found it a hassle to fund purchases and stuck to local market since then, my thinking now is to use those SGX derivatives for overseas exposure

Property is own home? Do you have a second property?

yes own home, but is matrimonial home so only 1/2 the asset is mine. no second property, the absd makes it a lost cause for sub sale. maybe when doing rental makes sense then no choice have to pay lawyer and stamp duty to transfer full ownership to waifu, but need to observe if buying property still makes sense then

 

[highsulphur]

Just updated my semi annual spreadsheet except for my employee' deferred bonus which I need to go back office and check the latest numbers.

So far, seems like for the past 6 months, I am on track for a 5% increase in net assets (excluding properties) with minimal cash drag right now. For my financial assets (bonds+equities), the local vs global financial asset exposure is roughly half half. FWIW, I consider my CPF as a local bond.

just added my deferred employee's compensation. Bad news is that my semi growth is lower at 4% but that's because my June numbers for that was not accurate (too low). Good news is that networth is actually higher than I thought hahah

 

[chopra]

Xirr since inception in 2019
8th oct 2022	-4.93%
15 Nov 2022	0.69%
7 Feb 2023	-0.68%
9 Mar 2023	-4.19%
29 May 2023	-0.95%
2 August 2023	3.17%
6 Oct 2023	1.01%
14 Nov 2023	1.02%
13 Dec 2023	2.87%

 

[hwmook]

This year, Singapore easily gained a few more billionaires that the news will not know about because of BTC gains

A 150% gain mean you need to start with 400m to become a billionaire. Stop trying to sell crypto as easy way to earn money.

 

[whyliddat]

A 150% gain mean you need to start with 400m to become a billionaire. Stop trying to sell crypto as easy way to earn money.

It's that hard to believe there are such levels of BTC wealth in sg? I see where you are coming from though, will delete my post in case it's misleading

 

[Pesantkie]

19 this year.

Liquid cash - $6.9k

Stocks and Bonds - $9k

Net worth as of now is about $16.9k

Aim to reach $25k before enlistment.

I have a daring goal to reach $40k after ORD.

Hi everyone, this is me 4 years later.

23 this year, turning 24 at the start of next year. I am currently studying a degree in NUS (not in business school) and will be entering the workforce as early as 2025.

Net worth as of now is about $59.7k, with market being so bullish on all fronts, I foresee my investment portfolio value to increase and thus translating to increase in net worth.

This year has been an exceptional year as I managed to recover all the drawdown incurred in 2022 and exceeded my peak net worth recorded in Oct 2021.

2022 taught me a lesson where if one is looking for growth stocks to invest, invest in those companies that can generate free cash flow. Liquidity that we experienced in 2020-2021 do not exist forever and funds have been picky about the growth stocks to invest. Took a L in 2022 by cutting losses in certain stocks such as Upstart, Digital Turbine and bought into Adobe for the economic moat and recently Amazon (during the pullback 2 months back).

This strategic move proved to be effective as my portfolio rallied significantly and my portfolio performance would not have done this well if I continued to baghold it.