YTD 2026 Networth tracking thread

[Mr.Canberra]

Not a bad start to the year.
Am thinking of liquidating a portion of my portfolio (sufficient to cover my remaining mortgages fully) and setting it aside in safe assets to safeguard my retirement, then use the rest of the portfolio (70%) to continue my investments with the same strategy that has worked fairly well in the past ~1 year.

Good call to plan to fully redeem your mortgage loan for a peace of mind.

Your 1 Year return is very impressive.

Care to share which sectors you are vested in? Thanks.

 

[minamikaze]

Good call to plan to fully redeem your mortgage loan for a peace of mind.

Your 1 Year return is very impressive.

Care to share which sectors you are vested in? Thanks.

Nah, I'm not going to redeem the loans, but rather thinking of putting it into much safer instruments. I know it's kinda dumb to redeem them at a time where interest rates are at ~1.5%. I just haven't decided on where to put the funds yet, and am open to ideas.
Maybe going to spread it among money market funds, some private credit, some bonds i guess?

The idea I have in my mind is that I want to cover my base first (i.e. always have enough to pay off all my loans - which amounts to about 30+% of my current portfolio) so that I can be a bit more adventurous with the other 60+% and be more worry-free.

Sectors-wise, I believe you can guess - semi-con mainly, some other tech stocks, and 1 or 2 meme stocks. Mostly got lucky.

 

[laokorkor]

Anyone has the nerve to dollar-cost-average into BTC now at 66k USD?

I don't believe in BTC and never "invest" an iota into it but if you DCA, my full respect to you! LOL!

 

[limster]

Anyone has the nerve to dollar-cost-average into BTC now at 66k USD?

I don't believe in BTC and never "invest" an iota into it but if you DCA, my full respect to you! LOL!

I've just bought some ETHA and averaging down a bit Not planning to allocate too much. Just for trading practice.

 

[d5dude]

Anyone has the nerve to dollar-cost-average into BTC now at 66k USD?

I don't believe in BTC and never "invest" an iota into it but if you DCA, my full respect to you! LOL!

https://finance.yahoo.com/news/average-bitcoin-etf-investor-turns-082418794.html

https://finance.yahoo.com/news/crypto-treasuries-fall-deeply-underwater-224135820.html

They are waiting for new "investors" to save them.

BTC has no real utility outside of servicing the underground economy e.g scams, money laundering, drugs, etc. It has also failed as a dollar debasement hedge, inflation hedge, etc, I dun really see any reason to DCA into this since its mostly just an instrument for speculation.

 

[limster]

Just noticed from the MOF paper on wealth inequality.

The average wealth of 20% households in SG is S$5.3m
Their average property asset value is S$3.4m (all types of property)
That is quite a bit of wealth in property. I would have thought that the top 20% have enough wealth to consider diversification and to cap the % of their wealth in property.

Most of my wealth is in financial assets rather than property so I seem to be an exception to this trend.

 

[LWZ]

Just noticed from the MOF paper on wealth inequality.

The average wealth of 20% households in SG is S$5.3m
Their average property asset value is S$3.4m (all types of property)
That is quite a bit of wealth in property. I would have thought that the top 20% have enough wealth to consider diversification and to cap the % of their wealth in property.

Most of my wealth is in financial assets rather than property so I seem to be an exception to this trend.

in terms of the proportion, I would think my parents are similar to above, if not even higher % in prop

they are boomers on the higher end of the boomer age range, and only ever invested in SGX stocks...

 

[SpeedingBullet]

Just noticed from the MOF paper on wealth inequality.

The average wealth of 20% households in SG is S$5.3m
Their average property asset value is S$3.4m (all types of property)
That is quite a bit of wealth in property. I would have thought that the top 20% have enough wealth to consider diversification and to cap the % of their wealth in property.

Most of my wealth is in financial assets rather than property so I seem to be an exception to this trend.

actually it shouldn't be that surprising since our residential real estate is one of the most expensive in the world. i think the type of ppl ur referring to isn't necessarily the Top 20%, but maybe Top 5% or 1%.

Same here, im mostly liquid, hate being tied down to a single large chunk of real estate.. or maybe that's just an excuse for me not being rich enough to have both

 

[d5dude]

Just noticed from the MOF paper on wealth inequality.

The average wealth of 20% households in SG is S$5.3m
Their average property asset value is S$3.4m (all types of property)
That is quite a bit of wealth in property. I would have thought that the top 20% have enough wealth to consider diversification and to cap the % of their wealth in property.

Most of my wealth is in financial assets rather than property so I seem to be an exception to this trend.

That’s an average for the quintile, I bet the top 1% have less than 10% of their net worth in real estate.

 

[laokorkor]

Just noticed from the MOF paper on wealth inequality.

The average wealth of 20% households in SG is S$5.3m
Their average property asset value is S$3.4m (all types of property)
That is quite a bit of wealth in property. I would have thought that the top 20% have enough wealth to consider diversification and to cap the % of their wealth in property.

Most of my wealth is in financial assets rather than property so I seem to be an exception to this trend.

You say the magic word - "average". So you average with the FB, Haidilao, Shopee guys right? The values are reasonable to look high.

 

[limster]

You say the magic word - "average". So you average with the FB, Haidilao, Shopee guys right? The values are reasonable to look high.

The FB, Haidilao and Shopee guys I presume have more financial assets than property (eg: the value of their stocks in the company they founded) so if they are skewing the figures, they should be skewing the figures in the other direction (i.e. most of the top 20% wealth should be in financial assets rather than property).

 

[laokorkor]

The FB, Haidilao and Shopee guys I presume have more financial assets than property (eg: the value of their stocks in the company they founded) so if they are skewing the figures, they should be skewing the figures in the other direction (i.e. most of the top 20% wealth should be in financial assets rather than property).

Yes, I can see your point now.

For my relatives, the situation is similar, most are property heavy too - just like the MOF study.

- one uncle got rich because of an EC in Bishan in early '00
- one auntie got shop house and 1 condo for couple and 2 condos for 2 children
- one far auntie sold a private apartment in prime area around 10 years ago
- one far grand uncle on my wife side is an entrepreneur and owns 3 semi-d - perhaps net worth 10s of M?

These're my real life stories. I think property rich is the norm in Singapore, it instills perseverance, grit and discipline in long-term planning and saving.

Frankly speaking, a significant portion of the individual stock dabblers I know are active traders who do not have good results. They simply could not sit still and let capitalism does its work!

LOL!

 

[DriftKing]

Just noticed from the MOF paper on wealth inequality.

The average wealth of 20% households in SG is S$5.3m
Their average property asset value is S$3.4m (all types of property)
That is quite a bit of wealth in property. I would have thought that the top 20% have enough wealth to consider diversification and to cap the % of their wealth in property.

Most of my wealth is in financial assets rather than property so I seem to be an exception to this trend.

To compute Asset Value to form part of wealth, say ppty is 1m, you've paid 500k, loan outstanding 500k, means this add to your wealth of $0 ?

 

[highsulphur]

To compute Asset Value to form part of wealth, say ppty is 1m, you've paid 500k, loan outstanding 500k, means this add to your wealth of $0 ?

You would add the equity portion of your property that has been paid ie 500k to your networth

Edit: actually the equity of the property should be market value minus outstanding loan, not amount paid

 

[d5dude]

To compute Asset Value to form part of wealth, say ppty is 1m, you've paid 500k, loan outstanding 500k, means this add to your wealth of $0 ?

It has nothing to do with what you've paid.

To add home equity to your networth just subtract outstanding mortgage from market value of the property, your home equity could be 1m even if you have only paid 100k.

 

[highsulphur]

It has nothing to do with what you've paid.

To add home equity to your networth just subtract outstanding mortgage from market value of the property, your home equity could be 1m even if you have only paid 100k.

You are right

 

[DevilPlate]

Yes, I can see your point now.

For my relatives, the situation is similar, most are property heavy too - just like the MOF study.

- one uncle got rich because of an EC in Bishan in early '00
- one auntie got shop house and 1 condo for couple and 2 condos for 2 children
- one far auntie sold a private apartment in prime area around 10 years ago
- one far grand uncle on my wife side is an entrepreneur and owns 3 semi-d - perhaps net worth 10s of M?

These're my real life stories. I think property rich is the norm in Singapore, it instills perseverance, grit and discipline in long-term planning and saving.

Frankly speaking, a significant portion of the individual stock dabblers I know are active traders who do not have good results. They simply could not sit still and let capitalism does its work!

LOL!

Property investment requires Gut (to take loan) and Patience (to deal with agents and tenants) and Perseverance (to maintain the property over 20-30years)

 

[limster]

Property investment requires Gut (to take loan) and Patience (to deal with agents and tenants) and Perseverance (to maintain the property over 20-30years)

yes I find property investing not for me because of the effort needed and furthermore rental income will push me to the next tax bracket, not to mention ABSD.

Buy and sell stock is the best for me when it comes to little effort and good tax regime.

But it seems for the top 20% of households, property investing is still a favoured method of wealth accumulation (despite the income tax payable on rent)

 

[highsulphur]

Property investment requires Gut (to take loan) and Patience (to deal with agents and tenants) and Perseverance (to maintain the property over 20-30years)

The same can be said for long term equity investment. Have to stay the course no matter what the headlines

 

[limster]

TL DR
0:35 Not earning enough money
2:20 Under-saving
4:20 Not setting financial goals
6:15 Over-spending (on the wrong things)
8:35 Not taking enough risk
10:38 Taking the wrong kind of risk
12:23 Missing tax planning opportunities
13:10 Ignoring estate planning
13:45 Marrying a financially incompatible spouse
14:38 Under-insuring catastrophic risks

Quite a good list. Boosting income is one of the best things for personal finances. But unlike Ben Felix, I don't think that acquiring special skills is the best way because foreigners with special skills are quite plentiful.

Singaporeans have an advantage in decent English and generally easier to understand when doing presentations to clients and bosses. Couple that with an above average EQ to be able to manage a team and bosses, you have a skillset that is in demand and not easily obsolete. (I assume that humans are not ready to be managed by AI , so you need human team leads/middle managers )

Not taking enough risk is also linked to income. If you have a higher income, you are likely to be able to take more risk, since your income can replenish losses you make.

Financially incompatible spouse, we see it so often with men claiming they FIREd but their wife still working.