YTD 2026 Networth tracking thread

[Nofear40]

Dec 22: 822k
Jul 23: 953k

the figure will fall by about 100k soon for housing downpayment. looks like wont reach 1 mil anytime soon

Cash plus cpf? Is ok.. money can be earned back

 

[chopra]

as this is the internet, I guess everyone is free to use their own definition of net worth, depending on who their audience is and the purpose of sharing their networth.
for example, if you want to benchmark yourself against a certain wealth report, like Wealth-X, then you of course need to use whatever defintion they are using for net worth ....
if you include HDB value as part of your net worth, in a few years time all 4 and 5 room flat owners will be millionaires....

so the exact calculation depends on your purpose....

purpose is to determine whether choprasinkie will have more wealth than chopranonsinkie at any instance. sinkie version owns a 3room new bto and pay the bto solely by cash via 30yr installment. non sinkie version pay same cash amt but as rental

bto value at 2023 $200k
bto value at 2053 $500k
both chopra passes on at 2063
bto value at 2123 $0

all else are e same
both chopra dont invest cpf oa


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[Trader11]

My draw down from last year recovered about 60%. But I didn't sell....so networth has increased but no material benefits?

 

[limster]

My draw down from last year recovered about 60%. But I didn't sell....so networth has increased but no material benefits?

I face the same problem, I don't sell my shares, so I also don't get any material benefit. The shares just sit there in my accounts.

Of course, some shares pay dividends, so if you are holding shares like UOB and DBS the obvious material benefits is that you are getting more dividends this year

 

[DevilPlate]

My draw down from last year recovered about 60%. But I didn't sell....so networth has increased but no material benefits?

Did u feel happier since recovery and thus sleep better?

At least got some intangible benefits?

 

[highsulphur]

My draw down from last year recovered about 60%. But I didn't sell....so networth has increased but no material benefits?

I continued to dca the entire 2022 so managed to average the cost down

 

[thretiredDad]

My draw down from last year recovered about 60%. But I didn't sell....so networth has increased but no material benefits?

even after you sold
you will buy back again
If that is the case
To you
there will be no material benefit from investing

 

[chong18]

Month of July total networth hit above $1.5m, I just include everything. Estimated amount when I plan to early retire will reach 2.2m+. Feels to me it's inflated as my primary residence value gone up quite a bit, but I still include it in because it generates rental income.

 

[Trader11]

Month of July total networth hit above $1.5m, I just include everything. Estimated amount when I plan to early retire will reach 2.2m+. Feels to me it's inflated as my primary residence value gone up quite a bit, but I still include it in because it generates rental income.

How did you get so rich? From business?

 

[chong18]

How did you get so rich? From business?

It only looks good on paper.. Liquid portion is less than 400k, rest is illiquid (CPF,SRS HDB) that's why I said it feels inflated because I don't feel rich at all

 

[OngHuatHuat]

Month of July total networth hit above $1.5m, I just include everything. Estimated amount when I plan to early retire will reach 2.2m+. Feels to me it's inflated as my primary residence value gone up quite a bit, but I still include it in because it generates rental income.

Do you include CPF as well?

 

[chong18]

Do you include CPF as well?

Yes I already mentioned I include everything

 

[OngHuatHuat]

Yes I already mentioned I include everything

Very good. I hope I still able to save more after I clear my dotter’s hefty medical bill.

 

[revhappy]

Very good. I hope I still able to save more after I clear my dotter’s hefty medical bill.

You mean your daughter wants to study medicine?

 

[OngHuatHuat]

You mean your daughter wants to study medicine?

My dotter was born pre mature, preliminary medical bill estimated to be more than 140 k sgd(40 k can be paid using medisave).

 

[highsulphur]

Month of July total networth hit above $1.5m, I just include everything. Estimated amount when I plan to early retire will reach 2.2m+. Feels to me it's inflated as my primary residence value gone up quite a bit, but I still include it in because it generates rental income.

You rent out one of your rooms?

 

[chong18]

You rent out one of your rooms?

2 common rooms

 

[SpeedingBullet]

Long time since I've been in here, comments looking very healthy.

Just curious if anyone projects out their net worth in Excel (or any other software) and if so, accounted for the spike in inflation going forward. The FIRE goalpost might just shift a little because of that.

 

[kickass22]

Long time since I've been in here, comments looking very healthy.

Just curious if anyone projects out their net worth in Excel (or any other software) and if so, accounted for the spike in inflation going forward. The FIRE goalpost might just shift a little because of that.

Hi, I do. But it's an estimate ( as it is really hard to forecast the future) and the inflation rate is different for different expenses.

 

[SpeedingBullet]

Hi, I do. But it's an estimate ( as it is really hard to forecast the future) and the inflation rate is different for different expenses.

I avoid brain damage by lumping it all in a basket and then projecting core inflation out using an annual moving average since MAS core inflation is technically a basket of items less accommodation & cars. This is like, the best guesstimate I can use