YTD 2026 Networth tracking thread

[limster]

If your property appreciate by $10k in one year, how to monetise that $10k if you are cash poor? The old lady's example is to take a loan.
If your stocks appreciate by $10k in one year, you can simply sell $10k worth of stocks and treat yourself to a year end holiday or present. (or even better, you forgo reinvestment of $10k of dividends, but instead spend the dividends).

Both are totally valid ways of financial planning as long as managed properly. No right or wrong I guess, but my preference is not to have to take loans to pay for my spending on holidays and fun stuff.

28% in one year is beyond my expectations. as mentioned previously, this is the first time I have gotten $1m+ in one year from stock market returns. Just nice SQ is having another sale now, maybe give myself a treat on SQ biz class. My last trip was on Scoot - took 1 hour for my luggage to appear in Changi

I'm sure most people on MM/SSI huat big big as well, Merry Christmas!

 

[elvintay07]

If your property appreciate by $10k in one year, how to monetise that $10k if you are cash poor? The old lady's example is to take a loan.
If your stocks appreciate by $10k in one year, you can simply sell $10k worth of stocks and treat yourself to a year end holiday or present. (or even better, you forgo reinvestment of $10k of dividends, but instead spend the dividends).

Both are totally valid ways of financial planning as long as managed properly. No right or wrong I guess, but my preference is not to have to take loans to pay for my spending on holidays and fun stuff.

28% in one year is beyond my expectations. as mentioned previously, this is the first time I have gotten $1m+ in one year from stock market returns. Just nice SQ is having another sale now, maybe give myself a treat on SQ biz class. My last trip was on Scoot - took 1 hour for my luggage to appear in Changi

I'm sure most people on MM/SSI huat big big as well, Merry Christmas!

$1m+ gains in a year is crazy already. Want to fly private jet also can la. Biz class is for Kelvin learn investing, Chi Keng type of YouTuber

 

[DevilPlate]

If your property appreciate by $10k in one year, how to monetise that $10k if you are cash poor? The old lady's example is to take a loan.
If your stocks appreciate by $10k in one year, you can simply sell $10k worth of stocks and treat yourself to a year end holiday or present. (or even better, you forgo reinvestment of $10k of dividends, but instead spend the dividends).

Both are totally valid ways of financial planning as long as managed properly. No right or wrong I guess, but my preference is not to have to take loans to pay for my spending on holidays and fun stuff.

28% in one year is beyond my expectations. as mentioned previously, this is the first time I have gotten $1m+ in one year from stock market returns. Just nice SQ is having another sale now, maybe give myself a treat on SQ biz class. My last trip was on Scoot - took 1 hour for my luggage to appear in Changi

I'm sure most people on MM/SSI huat big big as well, Merry Christmas!

$1m+ gains in a year is crazy already. Want to fly private jet also can la. Biz class is for Kelvin learn investing, Chi Keng type of YouTuber

Already said before this thread is mainly for humble brag/outright brag

1M+ gains at 28% returns around $4m at the start of 2025

 

[limster]

I am a long term investor. Crashes just mean you open warchest and buy more! I was fully aware that if a sale worth waiting for was to occur, my portfolio value will be hit quite hard.

Like I've posted before, for my IBKR account, I made 9% in 2018, 19% in 2019, and -1% in 2020. As the chart shows, the max drawdown of my portfolio value was about -35%.

If you cross-reference the 35% collapse of my IBKR portfolio with my posts in this forum, you can see I was actually quite happy to finally have a chance to buy more stocks at sale prices.

Of course, as I've posted elsewhere, my China holdings are with FSMOne (why risk holding China in a US broker?) and those did pretty well, so overall 2020 was probably neutral for me, which is important as it means my previous years' gains were protected

My post from 2021. I share my losses as well, not just my wins. So hopefully some people will be able to get something out of my sharing.

I am more or less an average investor or slightly above average, I pick winners as well as losers, but because of time in market and the power of compounding, my portfolio has reached a certain level.

Merry Christmas!