YTD 2026 Networth tracking thread

[yuzu28]

actually hor, the nice thing abt index investment is u dont even have to wait for red. time in market is better than timing the market. dyodd though

Cos ultimately it's still and uptrend? Except if kena another crash which dun seem to come.

 

[wira]

Like most forumers here, I have VOO, VWRA, IWDA+EIMI.
I plan to buy QQQ. Also looking at BNWD, still wondering if it's good.

does it make sense to buy etf that is not listed in US so you dont get charged with 40% estate tax in event of your passing ?

 

[yuzu28]

does it make sense to buy etf that is not listed in US so you dont get charged with 40% estate tax in event of your passing ?

Why not? I remember there's an amount (600k or sth like that) to be taxed for estate. I read that SPY has better liquidity. But VOO has lower expense ratio and yield (iirc). And I think commission for LSE ETF is lower and market starts earlier. I may buy SPY too. My overall amount is not huge kind, hence, I'm not so particular about the charges at this point. Other experienced forumers will give u better view for this.

 

[RedsYWNA]

I very kiasi and paranoid one.. i think this is not the way to go.


Yes, looks like i have to go this way. Cos not so smart.

There's a school of thought that high cash, high debt is better than low cash, low debt. I think there's an element of truth in it.

 

[hwmook]

There's a school of thought that high cash, high debt is better than low cash, low debt. I think there's an element of truth in it.

What is high cash, high debt? Never heard of it before.

 

[yuzu28]

There's a school of thought that high cash, high debt is better than low cash, low debt. I think there's an element of truth in it.

Hmm.. let me go google and do some reading. Currently, my status is high cash, low debt. Maybe looks ok but long term may lose out? I feel that i have to overcome some fear and find a comfortable spot for myself.

 

[RedsYWNA]

What is high cash, high debt? Never heard of it before.

Errr. It means lots of cash and lots of debts? LOL......

 

[limster]

What is high cash, high debt? Never heard of it before.

Even UHNW don't hold that much cash, they usually convert the cash to treasuries and use the treasuries as collateral for their debt. That way you can at least earn some interest.

 

[kickass22]

You have been investing since 2008 so why is your cash portion 42%? that is really large amount of cash to horde.

I just got aware of the concept of investing in 2008. I accidently got to the Wall straits forum which I think is called value buddies accidently and then and got to learn from there. So totally newbie with no idea on what to do . I just started reading.

Most of my time was spent on my building my career that required a lot of time as I was traveling overseas very often for projects and a very volatile non stable career until just recently where I am in a pretty stable place.

The cash portion you see is from a combination of SRS funds which I have not deployed plus cash in IBKR to be deployed. Lastly my emergency fund as I am the sole bread winner in my family.

I missed a few opportunities due to "Life Events" during the 10 plus years also.

I wished I had learned a lot of things I know now, I would have invested better.

 

[highsulphur]

I just got aware of the concept of investing in 2008. I accidently got to the Wall straits forum which I think is called value buddies accidently and then and got to learn from there. So totally newbie with no idea on what to do . I just started reading.

Most of my time was spent on my building my career that required a lot of time as I was traveling overseas very often for projects and a very volatile non stable career until just recently where I am in a pretty stable place.

The cash portion you see is from a combination of SRS funds which I have not deployed plus cash in IBKR to be deployed. Lastly my emergency fund as I am the sole bread winner in my family.

I missed a few opportunities due to "Life Events" during the 10 plus years also.

I wished I had learned a lot of things I know now, I would have invested better.

You are still young. Road still long.

I only dramatically shifted my philosophy mid 40s

 

[hwmook]

I just got aware of the concept of investing in 2008. I accidently got to the Wall straits forum which I think is called value buddies accidently and then and got to learn from there. So totally newbie with no idea on what to do . I just started reading.

Most of my time was spent on my building my career that required a lot of time as I was traveling overseas very often for projects and a very volatile non stable career until just recently where I am in a pretty stable place.

The cash portion you see is from a combination of SRS funds which I have not deployed plus cash in IBKR to be deployed. Lastly my emergency fund as I am the sole bread winner in my family.

I missed a few opportunities due to "Life Events" during the 10 plus years also.

I wished I had learned a lot of things I know now, I would have invested better.

SRS funds not deployed is criminal.
Cash is IBKR is almost criminal.

You could have put cash in some high yield savings account.

 

[hwmook]

You are still young. Road still long.

I only dramatically shifted my philosophy mid 40s

I only started investing 1 year after I start work and pay back all my study loan. I still regret paying back that loan, should have used that to earn some money.

 

[kickass22]

You are still young. Road still long.

I only dramatically shifted my philosophy mid 40s

I was 38 when that happened. So not really young....

Spent too much time on building my career and getting to a stable position and tried other investment methods and realized that they are not suitable for me etc...etc... Life! heh.

 

[hwmook]

I was 38 when that happened. So not really young....

Spent too much time on building my career and getting to a stable position and tried other investment methods and realized that they are not suitable for me etc...etc... Life! heh.

That mean you are 51 now? Time to maximise your CPF now.

 

[revhappy]

Interesting concept. Googled and found an easier to read article for others if they are interested.

https://earlyretirementnow.com/2019...cent-safe-withdrawal-rate-60-year-retirement/
My investment strategy when I started 3 years back was to hit 90:10 and maintain as such (dividends from growth) when closer to retirement and after.

https://ieseinsight.com/doc.aspx?id=1815&idioma=2
But after reading through the gliding concept, it makes sense. I may even tweak it in future. In event where my inflows is more than outflows, would place the excess into bond/cash then dump into market when it is bear.

When you RE in few years time, would have to share how's the outcome like.

I just found out DollarDex offers VAP which is different from RSP
https://www.dollardex.com/sgn/index...ng_the_superior_cousin_of_dollarcostaveraging
This may help people who have a lot of cash and dont know how to deploy. Lets say you have 1m and you have invested only 200k in equities. Setup a plan to get to say 600k in equities and roughly portfolio growth of 10k each month. It should take you 40 months to deploy your 400k, if markets are flat. If markets rise, it helps you such that you are investing less than 10k that month and if markets fall a lot you will be deploying maybe 20k or more that month. Basically you are only deploying to fill the gap needed to reach the portfolio level you define for that month. It sounds like a great plan to me for people who are concerned about valuations and need a plan to invest in the market. In a normal DCA, you are putting in the same amount regardless and if market crash you get tempted to invest more but then dont know how much to put, you may end up putting too much too soon etc.

I dont know why our Roboadvisors couldnt come up with a plan like this. Most of the Robos in the market are pretty useless if you ask me, for the fees they charge.

 

[RedsYWNA]

I was 38 when that happened. So not really young....

Spent too much time on building my career and getting to a stable position and tried other investment methods and realized that they are not suitable for me etc...etc... Life! heh.

I also wasted much of my youth. To be fair to me, internet was not as advanced as now. I am 43 now and wasted so much time that could have been spent, compounding wealth.

Solace is it's better late than never.

 

[$ingaporean]

My liquid networth hit another ATH in June.. This is probably the best I can get in 2021 as I see volatility in H2 . The first 11 days of July hit my HKSE portfolio hard from +12% to 5% YTD gain. I bet those in HKSE Tech stocks or ETF probably get a bigger hit.

I bought into some HS Tech ETF today. Thought it has gotten low enough to go in. Hope i am right.

 

[limster]

I dont know why our Roboadvisors couldnt come up with a plan like this. Most of the Robos in the market are pretty useless if you ask me, for the fees they charge.

The performance of VAP and whether it outperforms RSP then depends entirely on whether you have set the correct target growth %?

 

[highsulphur]

I bought into some HS Tech ETF today. Thought it has gotten low enough to go in. Hope i am right.

my advice is just DCA equity ETF. You might be wrong for a while but odds are you will be right in the long run

 

[kickass22]

I just found out DollarDex offers VAP which is different from RSP
https://www.dollardex.com/sgn/index...ng_the_superior_cousin_of_dollarcostaveraging
This may help people who have a lot of cash and dont know how to deploy. Lets say you have 1m and you have invested only 200k in equities. Setup a plan to get to say 600k in equities and roughly portfolio growth of 10k each month. It should take you 40 months to deploy your 400k, if markets are flat. If markets rise, it helps you such that you are investing less than 10k that month and if markets fall a lot you will be deploying maybe 20k or more that month. Basically you are only deploying to fill the gap needed to reach the portfolio level you define for that month. It sounds like a great plan to me for people who are concerned about valuations and need a plan to invest in the market. In a normal DCA, you are putting in the same amount regardless and if market crash you get tempted to invest more but then dont know how much to put, you may end up putting too much too soon etc.

I dont know why our Roboadvisors couldnt come up with a plan like this. Most of the Robos in the market are pretty useless if you ask me, for the fees they charge.

William Bernstein talks about this concept in a podcast that I listened too. He mentions that Lump Sum is better than DCA and VCA. But if you are doing DCA vs VCA, both has issues due to the lack of time in the market compared to Lump Sum. However, if you have to go DCA or VCA, he says VCA hsa a higher of chance of getting lucky if there is a market downturn and allows you to benefit from it more.

This is what I am trying to do but with my own tweaks that fits me.

You can listen to the podcast on Youtube here :

He also talk about the book on Value Averaging. Folks who love Math will love this book. Its available in the National Library.