YTD 2026 Networth tracking thread

[stanlawj]

Meager returns YTD.... too scared to risk alot of money in the market.

 

[stanlawj]

Pf has a good start for 2026. Liquid networth also ATH as another million was accumulated in a very short time compare to the first million which probably take a decade or more. However, I will be without a paycheck after September. I am expecting accumulating phase to be over by then and a 100% spend down of any investment return.

It's a whole different ball game trying to invest while withdrawing money.
Do you have a separate dividend-paying portfolio or rental property for retirement income?

 

[homer123]

It's a whole different ball game trying to invest while withdrawing money.
Do you have a separate dividend-paying portfolio or rental property for retirement income?

After retirement, I will be spending 100% of my dividend and interest with zero input to the portfolio for 10 years. After that , I will start selling a few % of my corpus every year till I die .. Hope to die with zero but it will be an impossible task

 

[laokorkor]

Hope to die with zero but it will be an impossible task

Can consider annuitize most of your assets.

 

[homer123]

Can consider annuitize most of your assets.

I don't trust the insurance company..

 

[marcoyeo]

After retirement, I will be spending 100% of my dividend and interest with zero input to the portfolio for 10 years. After that , I will start selling a few % of my corpus every year till I die .. Hope to die with zero but it will be an impossible task

Unless you don't own a property then there is a chance can achieve your "goal".

 

[d5dude]

Was fortunate to have taken down my single stock exposure last month after a ~400k drawdown, the swings in my equity portfolio was getting a bit crazy.

 

[stanlawj]

The market pump in Jan 2026 was insane. You should track the meme stocks or unprofitable stocks and take that as a sell-signal when they pump too much.

Was fortunate to have taken down my single stock exposure last month after a ~400k drawdown, the swings in my equity portfolio was getting a bit crazy.

 

[d5dude]

The market pump in Jan 2026 was insane. You should track the meme stocks or unprofitable stocks and take that as a sell-signal when they pump too much.

Yea the pump in Jan was insane, extreme greed. Probably should have taken more $$$ off the table sooner.

 

[homer123]

Unless you don't own a property then there is a chance can achieve your "goal".

I am planning to sell my private property after retirement this year and just keep my HDB.. Might even downgrade HDB later on as it become too big to maintain

 

[laokorkor]

可以进货了。趁低吸购，海纳百川。Everyday's a good day to buy. Just received my STI ETF dividend on Friday.

 

[TalkingRabbit]

After retirement, I will be spending 100% of my dividend and interest with zero input to the portfolio for 10 years. After that , I will start selling a few % of my corpus every year till I die .. Hope to die with zero but it will be an impossible task

I came across this YouTube video and found the retirement advice quite practical

 

[highsulphur]

I came across this YouTube video and found the retirement advice quite practical

Any summary

 

[TalkingRabbit]

Any summary

watch when you have time

 

[homer123]

I came across this YouTube video and found the retirement advice quite practical

Those advice also get you faster to retirement .. I don't have a problem retaining my wealth but I have a problem in spending more after retirement especially after living frugally for so long. My goal now is to spend 100% of my dividend and interest so that I stop accumulating.

 

[TalkingRabbit]

Those advice also get you faster to retirement .. I don't have a problem retaining my wealth but I have a problem in spending more after retirement especially after living frugally for so long. My goal now is to spend 100% of my dividend and interest so that I stop accumulating.

Actually you should give yourself a pat on the shoulder. Living frugally for so many years and reaching a stage where you don’t have to worry about retaining wealth is already a good place to be. Many people unfortunately face the opposite problem - running short of funds and having to delay retirement.

Your idea of spending your dividends and interest makes sense. It’s like letting the portfolio fund the lifestyle while keeping the principal intact.

 

[laokorkor]

I came across this YouTube video and found the retirement advice quite practical

Any summary

這段影片以投資大師查理·芒格（Charlie Munger）的視角，探討聰明人如何在退休後守住財富。芒格強調，退休並非終點，而是「守成」這場考試的開始。
以下是影片的核心內容摘要：

退休理財的核心觀念​

• 從進攻轉為防守：年輕時靠增長賺錢，退休後則是靠「防守」生存。在該穩定的年紀，一次錯誤的判斷就可能失去一生的積蓄 [01:45]。
• 不求聰明，但求不犯蠢：人類大腦天生討厭無聊並追求刺激，這常導致退休者在該停下時選擇加速，最終輸給自己不安的心 [02:19]。

守住財富的三大步驟​

1. 簡化 (Simplify) [03:02]
   • 物資簡化：不需要更大的房子或更多的車，因為維護這些東西會消耗昂貴的時間與精力。
   • 社交簡化：遠離無意義的聚會，將生命留給少數值得交往的人。
   • 慾望簡化：真正的富有不是能買多少，而是能放下多少欲望。
2. 遠離 (Stay Away) [09:41]
   • 遠離風險：退休後任何承諾高回報（如15%-20%）的產品多是毒藥，因為你已無法承承受損失 [10:44]。
   • 遠離債務：債務會摧毀理智，應在退休後清償所有貸款，追求不欠任何人的自由 [12:14]。
   • 遠離愚人：愚蠢會傳染，與其和會讓你為其錯誤買單的人合作，不如選擇孤獨 [13:03]。
3. 冷靜 (Stay Calm) [15:00]
   • 控制情緒：破產者往往不是智商不足，而是因恐懼、貪婪或嫉妒導致情緒失控。
   • 接受無聊：真正的財富增長像看草生長一樣無聊。如果投資讓你感到興奮，多半是做錯了 [19:35]。
   • 不與人比：投資不是比賽，不需要贏過任何人，只需要不輸掉自己 [19:14]。

守成的三大武器​

• 時間與複利：複利需要時間去堆疊，且前提是「不能打斷」。頻繁交易或追逐熱點都會破壞複利的節奏 [24:55]。
• 耐心：好公司的價值需要時間證明，守住資產不賣出往往比選股更重要。

總結​

退休後的財富管理本質上是心態問題。真正的自由是「可以說不」的權力。當你能不再被欲望控制、不被恐懼驅動，並在 80 歲時平靜地看著世界，那才是真正的富有 [34:06]。
影片連結：

 

[laokorkor]

 

[homer123]

Good watch and probably worth spending time to read the book itself

 

[Velton]

Those advice also get you faster to retirement .. I don't have a problem retaining my wealth but I have a problem in spending more after retirement especially after living frugally for so long. My goal now is to spend 100% of my dividend and interest so that I stop accumulating.

I have somewhat of a similar issue. Been living simple and as I see around me.. this person cancer that person cancer.. I feel I should treat myself better and indulge sometimes.. but I still happy with my Uniqlos and hawker fare.

In the end, "extra" monies go to buying stocks

How do you psyche yourself to spend the dividend & interest?