YTD 2026 Networth tracking thread

homer123 · Dec 7, 2019

I also think it better to retire at 50+ rather than earlier even if one can achieve FI around 40+. There is just too much uncertainty with the financial market .. I know if investment screw up in the 50s , at least one is not too far away from collecting retirement fund or CPF payout as a fallback in the 60s

limster said:
this is the work ethic of the old generation that the new generation don't seem to understand. work hard at your job to increase your career prospects and income at the start.

New generation all want to get rich by stock trading and retiring at 30.

instead of trying to target retirement at 30, targeting retirement at 50+ will give you a lot more passive income to go travelling etc... as long as you keep healthy and fit.

revhappy · Jan 1, 2020

Did my networth calculation.
All figures in SGD

Total Networth= 966.11k
Networth as of end of 2018= 836.43k
New salary savings in 2019= 64.15k

Investment growth in 2019= 7.83%
Networth growth in 2019= 15.5%

Equity as % of networth as of end of 2019=30%

polyglob · Jan 1, 2020

revhappy said:
Did my networth calculation.
All figures in SGD

Total Networth= 966.11k
Networth as of end of 2018= 836.43k
New salary savings in 2019= 64.15k

Investment growth in 2019= 7.83%
Networth growth in 2019= 15.5%

Equity as % of networth as of end of 2019=30%

Well done. The other 70% of your network includes property?

revhappy · Jan 1, 2020

polyglob said:
Well done. The other 70% of your network includes property?

No, other 70% is fixed income. I don't own property, I am renting.

articland05 · Jan 1, 2020

revhappy said:
Did my networth calculation.
All figures in SGD

Total Networth= 966.11k
Networth as of end of 2018= 836.43k
New salary savings in 2019= 64.15k

Investment growth in 2019= 7.83%
Networth growth in 2019= 15.5%

Equity as % of networth as of end of 2019=30%

can share how u calc?
assets and liabilities categories?
investment growth is 31 Dec 2019 balance subtract 1st Jan 2019 portfolio balance?

Sent from LGE LG-H990 using GAGT

revhappy · Jan 1, 2020

articland05 said:
can share how u calc?
assets and liabilities categories?
investment growth is 31 Dec 2019 balance subtract 1st Jan 2019 portfolio balance?

Sent from LGE LG-H990 using GAGT

No liabilities. Only assets, equities and fixed income. I use 2018 end and 2019 end networth snapshot and exchange rates as basis. Also I know how much of my salary I saved in 2019. Salary saved is new inflow for 2019. So from these inputs I deduce both networth and investment growth. It is not as accurate as XIRR method, but I invest in so many places and keep jumping in and out, this is the only way I can calculate.

creatrixnator · Jan 1, 2020

How do you track how much you save ? I think your way of calculating is good !

revhappy said:
No liabilities. Only assets, equities and fixed income. I use 2018 end and 2019 end networth snapshot and exchange rates as basis. Also I know how much of my salary I saved in 2019. Salary saved is new inflow for 2019. So from these inputs I deduce both networth and investment growth. It is not as accurate as XIRR method, but I invest in so many places and keep jumping in and out, this is the only way I can calculate.

revhappy · Jan 1, 2020

creatrixnator said:
How do you track how much you save ? I think your way of calculating is good !

At the end of every month, I note down my total expenses, salary and savings for the month, in an excel sheet, from my bank account transactions.

limster · Jan 1, 2020

congrats, your slow and steady strategy is paying off. 7 figure net worth by 1Q 2020! Sometimes wealth preservation is more important than trying to maximise profits.

articland05 · Jan 1, 2020

revhappy said:
No liabilities. Only assets, equities and fixed income. I use 2018 end and 2019 end networth snapshot and exchange rates as basis. Also I know how much of my salary I saved in 2019. Salary saved is new inflow for 2019. So from these inputs I deduce both networth and investment growth. It is not as accurate as XIRR method, but I invest in so many places and keep jumping in and out, this is the only way I can calculate.

i see...asking this cos diff ppl got their own ways to calc networth to best suited them.

congrats to your achievements!!!

Sent from LGE LG-H990 using GAGT

revhappy · Jan 1, 2020

limster said:
congrats, your slow and steady strategy is paying off. 7 figure net worth by 1Q 2020! Sometimes wealth preservation is more important than trying to maximise profits.

Thanks ...

homer123 · Jan 3, 2020

My networth growth is around 15.95% in 2019..
Total liquid networth (excl property)=1.6 millions in 2019.
Great year!

revhappy said:
Did my networth calculation.
All figures in SGD

Total Networth= 966.11k
Networth as of end of 2018= 836.43k
New salary savings in 2019= 64.15k

Investment growth in 2019= 7.83%
Networth growth in 2019= 15.5%

Equity as % of networth as of end of 2019=30%

NewInvestor · Jan 3, 2020

homer123 said:
My networth growth is around 15.95% in 2019..
Total liquid networth (excl property)=1.6 millions in 2019.
Great year!

That is an outstanding performance!

Linusng · Jan 5, 2020

posted last year and continuing it for record. my new year update..
mid-30s, working class with the aim of financial freedom.

assets
<5 year old flat in a mature estate, near mrt at purchase price ~300k (~600k/2)
cash ~120k
cpf ~150k
endowment ~50k
stocks ~15k (insignificant movement from last year)

liability outstanding hdb loan of ~190k (~380k/2)

polyglob · Jan 5, 2020

Linusng said:
posted last year and continuing it for record. my new year update..
mid-30s, working class with the aim of financial freedom.

assets
<5 year old flat in a mature estate, near mrt at purchase price ~300k (~600k/2)
cash ~120k
cpf ~150k
endowment ~50k
stocks ~15k (insignificant movement from last year)

liability outstanding hdb loan of ~190k (~380k/2)

Stocks very underweight compared to cash. What's your reasoning?

little pupsky · Jan 5, 2020

More realistic to exclude primary residence from net worth calculations.

Linusng said:
posted last year and continuing it for record. my new year update..
mid-30s, working class with the aim of financial freedom.

assets
<5 year old flat in a mature estate, near mrt at purchase price ~300k (~600k/2)
cash ~120k
cpf ~150k
endowment ~50k
stocks ~15k (insignificant movement from last year)

liability outstanding hdb loan of ~190k (~380k/2)

Thoreldan · Jan 5, 2020

My turn, 40 uncle

Cash: 30k
Investment (purely etfs): 180k
Cpf (all 3 acc): 248k

Debt: 147k mortage

Only started investment in mid 2018.
Still a long way to go before i can see the light

At least right track to have invested heavy on iwda.

OngHuatHuat · Jan 5, 2020

Envy you having so much liquid networth. I not much liquid net worth and debt gao gao

homer123 said:
My networth growth is around 15.95% in 2019..
Total liquid networth (excl property)=1.6 millions in 2019.
Great year!

bright_84 · Jan 10, 2020

Sibei jialat. Think my nryworth stagnated these few years.

Okenba · Jan 10, 2020

Thoreldan said:
My turn, 40 uncle

Cash: 30k
Investment (purely etfs): 180k
Cpf (all 3 acc): 248k

Debt: 147k mortage

Only started investment in mid 2018.
Still a long way to go before i can see the light

At least right track to have invested heavy on iwda.

I'm also uncle. =D
Started even later than you I think.

Okay, for me, managing for me and wife.
Total CPF: 440k
Investments: 130k
Cash: 120k
No debt.

Wish I started 10years ago. Haha.

YTD 2026 Networth tracking thread

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