YTD 2026 Networth tracking thread

[wutawa]

I have planted my seeds. Just waiting for it to grow into a big tree, if nth goes wrong.

 

[hwmook]

Finally surpassed $800k!

CPF OA is considered liquid? Or you mean those OA money that you are using for investment?

Edit : Read your blog and realise that you are really referring to the money inside your OA. You can consider CPF as your networth but its definitely not liquid IMO.

 

[hwmook]

100% agree. unlike some die-hard supporters that seem to think there is only 'one right answer' and you must invest in a certain way, I'm one of those that believe there are many ways to financial independence. If there was only one way then a lot of the finance industry shouldn't exist.

Some people have a strong opinion on how everybody should invest.

I have 52% of my liquid assets (exclude CPF) in stocks, 19% in unit trust and remaining 29% in cash. I don't like to DCA and prefer to invest at my own pace and style. Just like i would never put a single cent of the cash into CPF if i can control it, i invest my own OA and would never transfer it to SA also. This is my own financial path. I believe everybody need to find their own path, we are all here just to share how we are doing it so somebody else can learn. Some people just take it too personal.

 

[hwmook]

edit: checking his blog again, I think DW has not collected keys yet, so he doesn't have his flat yet.

But as to the general question of whether to include residential property. I think it depends on what you want to measure. DW is a dividend collector, so he wants to measure growth of assets that deliver dividends.

Why is liquid asset not equal networth? I would argue it is. Illiquid assets on the other hand are not equal networth. Like hdb. Which you need to deduct loan and can't complete sell in 24 hours.

Liquid asset not equal networth. Dw should hit $1m if includes hdb.

Guys, networth mean total assets so liquid or not so liquid also consider as assets ok. If you die, all can be sold to form your estate. If your property got mortgage then you need to deduct the loan from the property value to get how much its worth. This is a sharing thread, not to compare who e-penis is longer...

 

[joshua182]

Dividend collecting is over boys. At least for the short to even mid term.

 

[hwmook]

Dividend collecting is over boys. At least for the short to even mid term.

Vaccine is in sight so you would want to position yourself correctly in the next 6-12 months.

 

[joshua182]

Vaccine is in sight so you would want to position yourself correctly in the next 6-12 months.

lmao you clearly dont understand the very fundamentals of coronaviruses and vaccines in the context of these viruses.

 

[hwmook]

lmao you clearly dont understand the very fundamentals of coronaviruses and vaccines in the context of these viruses.

Clearly you are a virology expert, so please enlighten me where is the article written by you that show your expertise.

 

[limster]

Where are putting your cash/emergency funds/warchest? (i.e. cash that can be withdrawn in less than 1 week).

I have OCBC 360 as my main savings account, then $10k into Singlife Account for 2.5%.

I have some short-term S$ FD i put in at 1.88%, when it matures, I will put $20k into Dasheasy for 2%.

OCBC 360 (or UOB one or DBS Multipler) + Singlife + Dasheasy should be sufficient for most investors, i.e. these 3 accounts should be enough to hold 12 mths++ of expenses for emergencies.

For those who went beyond this to open other types of accounts high yield savings accounts/plans, can share why you did so? benefits, etc?

 

[wutawa]

My warchest is ssb. Cash take 1 wk to 1 mth to receive.

 

[highsulphur]

Warchest with banks. Maybank, SCB




Posted from PCWX using VOG-L29

 

[joshua182]

Clearly you are a virology expert, so please enlighten me where is the article written by you that show your expertise.

aiyo i said fundamentals.. fundamentals means basics, ABCD that kind u know, like layman common man, man on the street knowledge, not expertise.. why so fierce...

 

[revhappy]

Where are putting your cash/emergency funds/warchest? (i.e. cash that can be withdrawn in less than 1 week).

I have OCBC 360 as my main savings account, then $10k into Singlife Account for 2.5%.

I have some short-term S$ FD i put in at 1.88%, when it matures, I will put $20k into Dasheasy for 2%.

OCBC 360 (or UOB one or DBS Multipler) + Singlife + Dasheasy should be sufficient for most investors, i.e. these 3 accounts should be enough to hold 12 mths++ of expenses for emergencies.

For those who went beyond this to open other types of accounts high yield savings accounts/plans, can share why you did so? benefits, etc?

I was using SCB Esaver and HSBC EGA stepup because DBS Multiplier had limit of 25k. But dont use them anymore as rates have crashed. I have deployed the funds to India fixed income. I realize keeping cash in developed market currencies with low rates, there is temptation to take higher risk into equities. But if you keep them in EM fixed deposits or bond funds you make some yield for the EM risk premium, although there is currency risk.

 

[chopra]

interesting comparison between revhappy and DW's portfolio. One is 900+, the other is 800+ but the risk profile is very different.

I think it shows the power of CPF and subsidised housing and the role in plays in increasing net worth. Because DW got CPF and HDB, he can take a little bit more risk in his portfolio.

yes v interesting comparison

 

[chopra]

Where are putting your cash/emergency funds/warchest? (i.e. cash that can be withdrawn in less than 1 week).

I have OCBC 360 as my main savings account, then $10k into Singlife Account for 2.5%.

I have some short-term S$ FD i put in at 1.88%, when it matures, I will put $20k into Dasheasy for 2%.

OCBC 360 (or UOB one or DBS Multipler) + Singlife + Dasheasy should be sufficient for most investors, i.e. these 3 accounts should be enough to hold 12 mths++ of expenses for emergencies.

For those who went beyond this to open other types of accounts high yield savings accounts/plans, can share why you did so? benefits, etc?

limster still have big hse loan? refund back cpf oa maybe?

 

[Gitaro]

aiyo i said fundamentals.. fundamentals means basics, ABCD that kind u know, like layman common man, man on the street knowledge, not expertise.. why so fierce...

Because you said already like no say.

 

[RedsYWNA]

Where are putting your cash/emergency funds/warchest? (i.e. cash that can be withdrawn in less than 1 week).

I have OCBC 360 as my main savings account, then $10k into Singlife Account for 2.5%.

I have some short-term S$ FD i put in at 1.88%, when it matures, I will put $20k into Dasheasy for 2%.

OCBC 360 (or UOB one or DBS Multipler) + Singlife + Dasheasy should be sufficient for most investors, i.e. these 3 accounts should be enough to hold 12 mths++ of expenses for emergencies.

For those who went beyond this to open other types of accounts high yield savings accounts/plans, can share why you did so? benefits, etc?

My cash/warchest allocation from 1 Aug onwards:

DBS Multiplier at 2.2%: $100K

Maybank saveup privileged at 1.1%: $100k

UOB One at 1.2%: $75K

BOC Smart Saver at 1.5%: $80K

The rest at BOC Smart Saver: 0.6%

 

[Gitaro]

Stocktake in the midst of COVID:

My spread of my coffin-money investment as of Jul 20.Am retired and living on passive income:

Cash holding 3.5% average return negligible
Equities (Sg) 33% average return 3% pa
Liquid CPF OA/SA (not including FRS and Medisave amount) 40% average return 2.5% pa
HDB (rented out) 23% average return 5% pa

Key objective is to maintain my coffin money intact and draw returns for expenses. One setback is inflation though, but I suppose I can live with that. My children will get less inheritance due to inflation.

 

[Kennynabay]

My cash/warchest allocation from 1 Aug onwards:

DBS Multiplier at 2.2%: $100K

Maybank saveup privileged at 1.1%: $100k

UOB One at 1.2%: $75K

BOC Smart Saver at 1.5%: $80K

The rest at BOC Smart Saver: 0.6%

Nice one.Though the interests earned is pathetic.

 

[hwmook]

I was using SCB Esaver and HSBC EGA stepup because DBS Multiplier had limit of 25k. But dont use them anymore as rates have crashed. I have deployed the funds to India fixed income. I realize keeping cash in developed market currencies with low rates, there is temptation to take higher risk into equities. But if you keep them in EM fixed deposits or bond funds you make some yield for the EM risk premium, although there is currency risk.

Indian rupees have drop by 8% over past 1 year. What kind of yield are you getting to compensate for this currency risk?