YTD 2026 Networth tracking thread

[kickass22]

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

I prefer not to do that as my expenses do not correlate to MAS basket of items. Also, I have different items from kids' education, retirement spending, medical, etc., which are very personal, so I prefer to use different rates for each. Also, these items are ALL not perpetual. For e.g. kids' education, so I split them up.

I feel it's better for me this way than lump them.

 

[boroangel]

Just curious what is everyone's strategy over the next 12 months? Currently am holding 80% cash (mostly in USD T-bills and FD, giving around 5% yield) , around 20% still in stocks. Went into this allocation since Q4 last year and and missed out on the runup.

SO far, happy with the 5% risk free yield, but I know this won't last forever beyond a year. Looking to gradually transition into more dividend yielding stocks once the Fed starts reducing interest rates. I might be wrong, but seem to recall the market do trend downwards for a period of time when Fed rates start decreasing, so figure that might be a good time to start DCA back into stocks.

 

[highsulphur]

Just curious what is everyone's strategy over the next 12 months? Currently am holding 80% cash (mostly in USD T-bills and FD, giving around 5% yield) , around 20% still in stocks. Went into this allocation since Q4 last year and and missed out on the runup.

SO far, happy with the 5% risk free yield, but I know this won't last forever beyond a year. Looking to gradually transition into more dividend yielding stocks once the Fed starts reducing interest rates. I might be wrong, but seem to recall the market do trend downwards for a period of time when Fed rates start decreasing.

I'm around 70% long equities. Rest in bond etf. Almost zero cash. Probably will reinvest dividends and fresh funds from work into bond ETFs in the coming 12 to 18 months

 

[bo_tak_chek_bbfa]

Just curious what is everyone's strategy over the next 12 months? Currently am holding 80% cash (mostly in USD T-bills and FD, giving around 5% yield) , around 20% still in stocks. Went into this allocation since Q4 last year and and missed out on the runup.

SO far, happy with the 5% risk free yield, but I know this won't last forever beyond a year. Looking to gradually transition into more dividend yielding stocks once the Fed starts reducing interest rates. I might be wrong, but seem to recall the market do trend downwards for a period of time when Fed rates start decreasing, so figure that might be a good time to start DCA back into stocks.

Same situation as you, around 25% in stocks, 35% in ssb and the rest in cash, waiting to dump into etfs or dividend yielding stock.

 

[DevilPlate]

Same situation as you, around 25% in stocks, 35% in ssb and the rest in cash, waiting to dump into etfs or dividend yielding stock.

Now local reits etf at covid lows level still not attractive to u? Lol

 

[havetheveryfun]

Now local reits etf at covid lows level still not attractive to u? Lol

which local reits etf u recommend ?

 

[DevilPlate]

which local reits etf u recommend ?

i only accumulating CLR and CFA.

 

[havetheveryfun]

Now local reits etf at covid lows level still not attractive to u? Lol

maybe worry that the glory days of reits are over

 

[DevilPlate]

maybe worry that the glory days of reits are over

Ok one scenario that reits will drop further IF longer yield starts to creep up and bond market starts to accept that high interest rate is here to stay for the next decade or so.

Imagine our SSB give 5%, i think reits etf can drop another 20-30% from here

 

[homer123]

At least 50k wipe off in the last 2 weeks

 

[stanlawj]

At least 50k wipe off in the last 2 weeks

If you don't hedge your portfolio or sell some to cash when it makes a new high, it is bound to drop alot? So the cost of not learning this is.....$50k?

 

[homer123]

If you don't hedge your portfolio or sell some to cash when it makes a new high, it is bound to drop alot? So the cost of not learning this is.....$50k?

What high...it is making lower low

 

[highsulphur]

What high...it is making lower low

As long as you are not drawing on it, it's fine

 

[sohguanh]

At least 50k wipe off in the last 2 weeks

If you are not into dividend play then for capital gain sometimes you really need to lock in some. Many ppl have many strategies when to sell. For me as long as it reach X% above my average buy in price I will sell. The value of X varies from individual some put at 10,15,50 or even 100!!!

 

[zeroX26]

If you are not into dividend play then for capital gain sometimes you really need to lock in some. Many ppl have many strategies when to sell. For me as long as it reach X% above my average buy in price I will sell. The value of X varies from individual some put at 10,15,50 or even 100!!!

Isn't it better to not include unrealized gains as part of networth? For me I only count the capital injected nia.

 

[thretiredDad]

Isn't it better to not include unrealized gains as part of networth? For me I only count the capital injected nia.

I count the cash
in my wallet as my networth

 

[DevilPlate]

Isn't it better to not include unrealized gains as part of networth? For me I only count the capital injected nia.

Ok so those sitting on huge unrealised losses can count on their initial capital outlay (ignore temporary losses) to make themselves feel better

 

[revhappy]

At least 50k wipe off in the last 2 weeks

I think it is good to rebalance and buy some reits or stocks. If I remember correctly your allocation is quite conservative. Don't look at the paper nominal drawdown in absolute terms. Relative to your networth it is normal.

 

[zeroX26]

Ok so those sitting on huge unrealised losses can count on their initial capital outlay (ignore temporary losses) to make themselves feel better

If its too big (>75% loss on paper), I will upfront deduct the whole amount and put into Cold Storage liao. Like my Noble Group zzz.

 

[elloz123]

Just curious what is everyone's strategy over the next 12 months? Currently am holding 80% cash (mostly in USD T-bills and FD, giving around 5% yield) , around 20% still in stocks. Went into this allocation since Q4 last year and and missed out on the runup.

SO far, happy with the 5% risk free yield, but I know this won't last forever beyond a year. Looking to gradually transition into more dividend yielding stocks once the Fed starts reducing interest rates. I might be wrong, but seem to recall the market do trend downwards for a period of time when Fed rates start decreasing, so figure that might be a good time to start DCA back into stocks.

~ 7% in longs. Rest cash, bonds. Same as you looking to DCA soon.