YTD 2026 Networth tracking thread

[sohguanh]

During the 90s and early 00s, bank interest was still good but still barely beat inflation. However, I was a noob in investing and lost more than 100K in penny stocks and S-Chip during my first decade .Interest went downhill after GFC, that why my networth growth is purely from salary saving. Yeah, the first 2 decades was probably ok if I have not lost and then completely miss the boat from GFC

Your investment journey quite similar to mine. So you also lost monies in SGX penny stock also huh? Me too and I still hold inside CDP till this day to remind me of my big mistake.

You have no kids that save a lot of monies. You dunno how much it take to feed one kid to adulthood. If more than one kid you multiply the cost is exorbitant. Some kids are sickly and this add on to your spending. Before primary, primary, secondary, poly or U all stages of their lives make you spend monies. It is sucking you dry. So given a chance to restart I will follow you not to have kids so I can retire much earlier

 

[homer123]

Your investment journey quite similar to mine. So you also lost monies in SGX penny stock also huh? Me too and I still hold inside CDP till this day to remind me of my big mistake.

You have no kids that save a lot of monies. You dunno how much it take to feed one kid to adulthood. If more than one kid you multiply the cost is exorbitant. Some kids are sickly and this add on to your spending. Before primary, primary, secondary, poly or U all stages of their lives make you spend monies. It is sucking you dry. So given a chance to restart I will follow you not to have kids so I can retire much earlier

Yes Sgx penny stocks and S-chips..At one times hold more than 20 counters..All bankrupt and delisted except one still survive in my cdp. For beginner, should just invest in index stf, big banks and conglomerates..
Yeah kids cost a lot..however it is not by choice I dont have kid as my wife is always sick.

 

[hwmook]

Yes , very long but still way below for most people who typically work 40+ years (25 to 65). I was planning to stop at 25 but covid extend another a few more year. Now with layoff looming, I am holding out for a package.. Hopefully, i get it this year or probably will quit on my own by next year.

I think most of the people that have decent income and plan for retirement actually retire in their 50s. I know of 2 who resign in my department to retire.

28 years seem a long time when I haven't even completed 15 years, seem like just a half way mark. My target is not to exceed 55.

 

[soneat]

Your investment journey quite similar to mine. So you also lost monies in SGX penny stock also huh? Me too and I still hold inside CDP till this day to remind me of my big mistake.

You have no kids that save a lot of monies. You dunno how much it take to feed one kid to adulthood. If more than one kid you multiply the cost is exorbitant. Some kids are sickly and this add on to your spending. Before primary, primary, secondary, poly or U all stages of their lives make you spend monies. It is sucking you dry. So given a chance to restart I will follow you not to have kids so I can retire much earlier

I have 2 kids and I have more or less retired (2 years ago) before mid-40s. Never regretted anything.

For kids, the main problem is that in SGP, enrichment/tuition is a social norm and almost all parents are spending thousands per month per kid regardless whether they can afford or not, from as early as 6months old all the way to university - and this takes up a big portion of the expenditure. A lot also depends on the mindset. As an example, I had an ex-colleague who engaged 2 tuition teachers per subject for each of her 3 kids. Also, whenever her kids had flu, cough or running nose etc, she insist that she must bring them to a PD and also run tests to understand more. Also, to "fund" her children's future university education, she bought a lot of "Savings" endowment plans. I can see that she's spending essentially all her salary on all these (for years).

Having said that, I do consider myself fortunate as my kids are natural high achievers.

Personally I think as long as you have achieved what you want in life, you are happy and healthy and not constrained by financial matters, its a win.

As for networth, I don't have employment income anymore and my YTD networth is basically stagnant on nominal terms so I guess its that too bad considering the general market movement.

 

[sohguanh]

I think most of the people that have decent income and plan for retirement actually retire in their 50s. I know of 2 who resign in my department to retire.

28 years seem a long time when I haven't even completed 15 years, seem like just a half way mark. My target is not to exceed 55.

Everyone situation is different. Single, married no kids, married with kids, elderly parents all are big stumbling block for ppl who want to retire say in 50s. Next would be their commitment. Do they buy condo,EC,landed,HDB. Do they have car. Have they finish paying for those big ticket items etc. So when I read ppl retire say in 50s I really curious on their situation how they can do so.

 

[revhappy]

I think most of the people that have decent income and plan for retirement actually retire in their 50s. I know of 2 who resign in my department to retire.

28 years seem a long time when I haven't even completed 15 years, seem like just a half way mark. My target is not to exceed 55.

I hit 20 years of work experience. Age 42. Time flies. I know it is very different for everybody. Some people have no problems retiring early and they will always have something to do and be busy, so they won't miss work.

But in my case, I am not so much of a social person and neither am I a person who likes to do physical tasks. I am more of an online computer lonely kind of person and my only interaction is with my family and my work. Even vacations, 3 weeks already feels very long.

So although I don't like my work, I just treat it like a known devil. Keeps me occupied and the perks that come with being employed, non monetary and monetary, as of now it is kind of a fine balance that going to work makes sense. When this balance tilts permanantly, such that staying at home is better than going to work, I will finally quit. Until then I will just keep exploring and try to fine tune to maintain this balance.

 

[sohguanh]

I hit 20 years of work experience. Age 42. Time flies. I know it is very different for everybody. Some people have no problems retiring early and they will always have something to do and be busy, so they won't miss work.

But in my case, I am not so much of a social person and neither am I a person who likes to do physical tasks. I am more of an online computer lonely kind of person and my only interaction is with my family and my work. Even vacations, 3 weeks already feels very long.

So although I don't like my work, I just treat it like a known devil. Keeps me occupied and the perks that come with being employed, non monetary and monetary, as of now it is kind of a fine balance that going to work makes sense. When this balance tilts permanantly, such that staying at home is better than going to work, I will finally quit. Until then I will just keep exploring and try to fine tune to maintain this balance.

For your case you have not retired so would like to know are you single, married with kids, married no kids, elderly parents to support? Have you finish paying your house, car (if any) and any other big ticket items? To me these are basics that need to be solved before one can even talk of retiring early. With those items dangling how can one retire in peace isn't it?

 

[sohguanh]

I have 2 kids and I have more or less retired (2 years ago) before mid-40s. Never regretted anything.

Personally I think as long as you have achieved what you want in life, you are happy and healthy and not constrained by financial matters, its a win.

As for networth, I don't have employment income anymore and my YTD networth is basically stagnant on nominal terms so I guess its that too bad considering the general market movement.

Hi don't mind if I probe further currently is your spouse still working full-time? How old are your kids? Have they reached independent stage as in no more need for you to give pocket monies anymore they can feed themselves? How about elderly parents from your side and spouse side all no need your support? What about your house, car (if any) and any other big ticket items all paid up fully already? I cannot imagine one can retire so early with those items still dangling.

 

[Perisher]

good to see so many inspiring stories of individuals who made their wealth through different ways. jiayou.

 

[Perisher]

I have some times to track my net worth from 1994 to 2022

The first 10 years (1994 to 2004 based on estimation) was trading of stocks with no strategy (more like punting), second 10 years (2004 to 2014) of doing nothing with my investment except putting in FD and banks, and the last 8 years (2014 to 2022) investing in dividend stocks and interest bearing bonds.
Almost 2 lost decades of investment mistep have cost me dearly..

https://globalincome50.blogspot.com/2022/06/20-years-of-liquid-net-worth-tracking.html

surprised to see we own some similar more obscure counters like
NWH.UN
Yanlord land etc...

 

[soneat]

Hi don't mind if I probe further currently is your spouse still working full-time? How old are your kids? Have they reached independent stage as in no more need for you to give pocket monies anymore they can feed themselves? How about elderly parents from your side and spouse side all no need your support? What about your house, car (if any) and any other big ticket items all paid up fully already? I cannot imagine one can retire so early with those items still dangling.

Let me put it in a simpler way.

I do have expenses but my passive income can cover 200% of my expenses.

Zero debt.

 

[limster]

Let me put it in a simpler way.

I do have expenses but my passive income can cover 200% of my expenses.

Zero debt.

zero debt and 2x expense coverage. Thats a good place to be when retired!

 

[homer123]

surprised to see we own some similar more obscure counters like
NWH.UN
Yanlord land etc...

Those are small experimental stakes. NWH.UN is a health care reit in Canada that is so much cheaper than our parkway life . At 7+% yield , even with 15% WHT I thought it was worth to own this healthcare reit. As for Yanlord, it is so undervalue with consistent 6% yield for the last 5 years, I just park some cash there and wait out.

 

[HappyReitInvestor]

Liquid networth around 1.3m. I think this will flatline for a while as I take on a long sabbatical without any earned income.

 

[revhappy]

For your case you have not retired so would like to know are you single, married with kids, married no kids, elderly parents to support? Have you finish paying your house, car (if any) and any other big ticket items? To me these are basics that need to be solved before one can even talk of retiring early. With those items dangling how can one retire in peace isn't it?

Married and have 1 daughter. Parents are well off, may even get a property from them as inheritance, but not really counting on it. My networth is totally liquid about 1.2million. My retirement location is a 3rd world country, costs are half of Singapore, about 2k SGD per month can buy a decent quality of life, including renting and school fees for 1 child.

 

[HappyReitInvestor]

Married and have 1 daughter. Parents are well off, may even get a property from them as inheritance, but not really counting on it. My networth is totally liquid about 1.2million. My retirement location is a 3rd world country, costs are half of Singapore, about 2k SGD per month can buy a decent quality of life, including renting and school fees for 1 child.

Which location? Haha i am actually looking at thailand.

 

[HappyReitInvestor]

Hi don't mind if I probe further currently is your spouse still working full-time? How old are your kids? Have they reached independent stage as in no more need for you to give pocket monies anymore they can feed themselves? How about elderly parents from your side and spouse side all no need your support? What about your house, car (if any) and any other big ticket items all paid up fully already? I cannot imagine one can retire so early with those items still dangling.

Just curious, whats your situation like in terms of financial planning and expenses and all, so maybe everyone can chip in and provide their feedback. I know of people who are realllllllllly well to do, but for some reason are very afraid of losing their job or even think about retiring. To them , retiring = useless = not fulfilling their responsibilities as a parent, as an adult.

 

[revhappy]

Which location? Haha i am actually looking at thailand.

India. It is my home country and I am on EP in SG.

 

[sohguanh]

Just curious, whats your situation like in terms of financial planning and expenses and all, so maybe everyone can chip in and provide their feedback. I know of people who are realllllllllly well to do, but for some reason are very afraid of losing their job or even think about retiring. To them , retiring = useless = not fulfilling their responsibilities as a parent, as an adult.

For me, house pay finish. No car. Left 2 kids 15,16 going on to Poly,Uni so they still take pocket monies and need monies to let them study local Uni. If they go overseas I cannot imagine the monies needed. Elderly left mother which need periodic medical appointment and helper to look after as me and spouse working full-time.

Financial your typical FD, SSB, T-bill (recently), FSM, dollarDex, poems for mutual fund. Endowus,Syfe,Webull (recent platform). The amount I calculate is ok for me to use I can retire now no need work fulltime. But the kids and mother unknown spending needed is what hold me back. You know the unknown sum of monies can be very big one. Medical if kena long term is financial and emotional draining. Kids if insist go overseas Uni the monies etc etc.

That is why you see my post I always mention kids and elderly. These two big items need to settle else it will affect how early you want to retire and stop working. I cannot imagine those families with 3,4,5,6 kids how they take it sia.

 

[d5dude]

Just curious, whats your situation like in terms of financial planning and expenses and all, so maybe everyone can chip in and provide their feedback. I know of people who are realllllllllly well to do, but for some reason are very afraid of losing their job or even think about retiring. To them , retiring = useless = not fulfilling their responsibilities as a parent, as an adult.

Define well to do? My NW is about 3m, my wife about the same maybe slightly less but I dun consider myself well to do, not in SG at least. SG is a pretty expensive place to retire in if you want to have a upper-middle (above avg is "well to do" to me) class lifestyle, just look at how much cars cost now, COE alone is over 100k.

I'm not thinking of retiring because a) I dun hate my job b) my company allows my to WFH 3 days a week and c) I'm absolutely terrified of inflation. I was already worried about inflation way before prices skyrocketed recently, the recent spike in prices only confirmed my fears.

So no not thinking of retiring unless I get fired.