YTD 2026 Networth tracking thread

[LWZ]

Cash in bank		12,022​
Cash in my wallet		113​
Fairprice vouchers, Starbucks card		80​
MAS T-bills (2 tranches)		260,000​
Tiger US stocks (converted @ 1.36544)		69,307​
SG Bonds		125,402​
SG Equity		164,718​

35 years old, worked over 10 years

Cash in bank		73,544
Cash in my wallet		7
Tiger Brokers portfolio	US equity + some DBS shares	356,571
SG Bonds		126,673
SG Equity not in Tiger Brokers		199,272
SG60 and RedeemSG vouchers		645
		756,712

36 years old

 

[highsulphur]

Cash in bank		73,544
Cash in my wallet		7
Tiger Brokers portfolio	US equity + some DBS shares	356,571
SG Bonds		126,673
SG Equity not in Tiger Brokers		199,272
SG60 and RedeemSG vouchers		645
		756,712

36 years old

Interesting to see you add vouchers but not cpf. No property yet?

 

[LWZ]

Interesting to see you add vouchers but not cpf. No property yet?

just following up on last year's breakdown of certain more liquid assets

a partial disclosure nia

 

[Velton]

Do you consider SSB as liquid cash?

My personal take is cash I can use for emergency immediately. SSB needs some time to liquidate.

How about you?

 

[Velton]

most of the time just 150k with UOB One account. But I am carrying slightly more at the moment since collected some bonus last month which will be used to DCA over the next 4 months.

My next bonus will come in a couple of months time. Maybe use it to get some equities. DCA what if you don't mind sharing?

 

[Velton]

Because I have stable passive income coming in every month, I have gradually lowered the amount of cash in my bank account. For most of this year, its been under $50k.

I don't know if I feel secure with just 50k cash. Haha.. but that's just me.

 

[highsulphur]

My next bonus will come in a couple of months time. Maybe use it to get some equities. DCA what if you don't mind sharing?

my usual two

VWRA and ES3. Same counters for the past 5-10 years

I may want to do some adjustment too by selling some A35 to buy ES3 or even DBS/OCBC. Seems strange to be adding on more risk at this stage of my life/career but I figure I can weather some market risk for at least until I stop working totally.

 

[wutawa]

Interesting to see you add vouchers but not cpf. No property yet?

he even added the cash in his wallet.

 

[wutawa]

How much liquid cash do you all keep? For myself, it's about 200k. I try not to touch it for any investment purpose.

I keep abt $2k in my savings accts. I don't consider ssb as cash because it takes wks to liquidate.

 

[limster]

I don't know if I feel secure with just 50k cash. Haha.. but that's just me.

Try it and see. You can get used to it.

When I bought my car, I think my bank account almost had no money left except the bare minimum to pay my essential GIRO bills. I just let my passive income replenish my bank account after a few months. I still slept well.

Seems strange to be adding on more risk at this stage of my life/career but I figure I can weather some market risk for at least until I stop working totally.

Actually only strange to the hardcore FIRE enthusiasts. I've been reading the book 7 myths of money, and one of the myths is that people should stop taking risk once ready to retire. Its possible that some people should, but equally possible that some people may rationally want to continue taking risk.

 

[d5dude]

With so much time available to do technical screening and indepth analysis, you'll be surprised how much money you can make from single stocks or more volatile ETFs.

Can lose a ton of money too, also that free time can always be put to better use, life is not all about money...

 

[d5dude]

What is ur recurring dividend per month? Actually I calculated and I think I can survive on $2000 a month.

No idea but its probably insignificant, my largest equity holding is still CSPX and its an accumulating fund so dividends are always reinvested.

I'm currently withdrawing from my fixed income portfolio, which consists of mostly SGD denominated wholesale bonds and some SSB. I get ~4% coupon yield on the portfolio or ~70K P.A, so far I've not had to sell anything to meet my expenses, which is basically what I was expecting.

 

[d5dude]

Try it and see. You can get used to it.

When I bought my car, I think my bank account almost had no money left except the bare minimum to pay my essential GIRO bills. I just let my passive income replenish my bank account after a few months. I still slept well.




Actually only strange to the hardcore FIRE enthusiasts. I've been reading the book 7 myths of money, and one of the myths is that people should stop taking risk once ready to retire. Its possible that some people should, but equally possible that some people may rationally want to continue taking risk.

I saw a US survey recently that seems to suggest that people tend to hold more bonds than equities as they grow older, this is probably normal due to sequence of returns risk. Of course the caveat here is that these are people of average wealth, its not unusual for the really wealthy folks to hold most of their wealth in stocks, especially if they are the founders of these companies.

 

[limster]

I saw a US survey recently that seems to suggest that people tend to hold more bonds than equities as they grow older, this is probably normal due to sequence of returns risk. Of course the caveat here is that these are people of average wealth, its not unusual for the really wealthy folks to hold most of their wealth in stocks, especially if they are the founders of these companies.

My take on this:

After you hit your FI number, whether its $1m or $2m or $xx m, there may be times when you earn money beyond the FI number, for example, because market gained 20% while you only withdrew 4%.

The 16% extra cash, you don't need it in the sense that you are already FI, so you can decide how much risk you want to take with it - everything into equities, or SGS bond, or something in between. My choice has been to go for more risk.

 

[elvintay07]

I saw a US survey recently that seems to suggest that people tend to hold more bonds than equities as they grow older, this is probably normal due to sequence of returns risk. Of course the caveat here is that these are people of average wealth, its not unusual for the really wealthy folks to hold most of their wealth in stocks, especially if they are the founders of these companies.

Seriously I don’t understand this because cpf is already the largest bond. Most ppl I know has FRS which will give them average of $1700_ Then with a cpf OA of like $700k, they draw another $1500 from their 2.5% interest. Another $2,000 from their reits which already give them $5,200 per month. The rest can all be in stocks to get higher returns

 

[Velton]

my usual two

VWRA and ES3. Same counters for the past 5-10 years

I may want to do some adjustment too by selling some A35 to buy ES3 or even DBS/OCBC. Seems strange to be adding on more risk at this stage of my life/career but I figure I can weather some market risk for at least until I stop working totally.

I'm thinking about local banks too. Preference OCBC unless there is a good pullback for DBS.

I'm also a little risk averse now due to age. So some strong blue chips I feel more at ease.

 

[Velton]

I keep abt $2k in my savings accts. I don't consider ssb as cash because it takes wks to liquidate.

What if you need 10k for an emergency? What's the next best thing you can liquidate fast?

 

[Velton]

Try it and see. You can get used to it.

When I bought my car, I think my bank account almost had no money left except the bare minimum to pay my essential GIRO bills. I just let my passive income replenish my bank account after a few months. I still slept well.




Actually only strange to the hardcore FIRE enthusiasts. I've been reading the book 7 myths of money, and one of the myths is that people should stop taking risk once ready to retire. Its possible that some people should, but equally possible that some people may rationally want to continue taking risk.

Let me slowly reduce.. haha.. maybe I can accept 100k cash on hand.

 

[highsulphur]

I'm thinking about local banks too. Preference OCBC unless there is a good pullback for DBS.

I'm also a little risk averse now due to age. So some strong blue chips I feel more at ease.

I presented my portfolio to AI and was advised to reduced my exposure to sg stocks in favour of global equities hahaha

 

[wutawa]

What if you need 10k for an emergency? What's the next best thing you can liquidate fast?

my us stocks will be the fastest. if i sell tonight, i will get money the next morning. settlement is t+1. scb fx and transfer are immediate even on sun/ph. got transfer delay if > $50k.
but i prefer to sell my income fund. transaction is t+2 if sell before 3pm.

i rarely use hard cash or even bank money. although my parents allowance and dca are recurring transfers, they are stoppeable during emergency. my daily expenses and bills are mostly paid thru cc.