YTD 2026 Networth tracking thread

[Starrynitee]

SSB has increased to 200k. So could be 500k

Oooh yeah u r right

 

[polyglob]

My shitty portfolio. Hopefully can increase stocks and reits in 6 mths

What's your target allocation?

 

[peppermint7]

My shitty portfolio. Hopefully can increase stocks and reits in 6 mths

You forgot to add CPF in

 

[wutawa]

What's your target allocation?

60% Stocks & reits (increase in market value )
30% ssb (no change)
10% cash (extra savings)

Now we roughly know how much u have..

See me so up? I could only have $500 ssb

You forgot to add CPF in

I dun have much cpf and dun see it as my money

 

[peppermint7]

See me so up? I could only have $500 ssb

You are... .... priority.
So roughly can tell your total from there

 

[peppermint7]

I dun have much cpf and dun see it as my money

Then probably u haven't reached those important milestones in life thus u see it that way

use it to pay for
- new house
- hospital insurance
- retirement plans

 

[wutawa]

Then probably u haven't reached those important milestones in life thus u see it that way

use it to pay for
- new house
- hospital insurance
- retirement plans

Because i am jobless and no contribution

 

[Starrynitee]

60% Stocks & reits (increase in market value )
30% ssb (no change)
10% cash (extra savings)


See me so up? I could only have $500 ssb


I dun have much cpf and dun see it as my money

No cpf means u used it to fund house is it.. then u need to add in ur physical asset

 

[wutawa]

No cpf means u used it to fund house is it.. then u need to add in ur physical asset

40yo hdb depreciates very fast. Add will very sad

 

[peppermint7]

No cpf means u used it to fund house is it.. then u need to add in ur physical asset

I actually pour in cash into CPF to meet FRS so i could at least get a stable income for my retirement. Only leftover then buy a bit of shares. My priority is to make sure i have stable retirement income to fall back on before taking risks for the left over amount

 

[peppermint7]

40yo hdb depreciates very fast. Add will very sad

U fully paid already correct? So 1 burden off.

 

[wutawa]

I actually pour in cash into CPF to meet FRS so i could at least get a stable income for my retirement. Only leftover then buy a bit of shares. My priority is to make sure i have stable retirement income to fall back on before taking risks for the left over amount

+1
Only use spare cash for shares

 

[peppermint7]

+1
Only use spare cash for shares

Even shares also avoid those high risk type. After market correction then dare to buy.

 

[polyglob]

I actually pour in cash into CPF to meet FRS so i could at least get a stable income for my retirement. Only leftover then buy a bit of shares. My priority is to make sure i have stable retirement income to fall back on before taking risks for the left over amount

So 1M55 and 4M65? Cool!

 

[wutawa]

Even shares also avoid those high risk type. After market correction then dare to buy.

Shares alone is another portfolio. Need to adjust as capital changes. I leaning towards reits for div. Dun like etf.

 

[peppermint7]

So 1M55 and 4M65? Cool!

U don't need 1 million to touch FRS. And i don't have that too mine is pretty simple. As i live simply. So by meeting FRS is good enough for me. Plan according to what you have vs what u need. I don't chase blindly. I set realistic goles for myself.

 

[peppermint7]

Shares alone is another portfolio. Need to adjust as capital changes. I leaning towards reits for div. Dun like etf.

Good to understand the risk for riets

https://www.moneysense.gov.sg/articles/2018/10/understanding-real-estate-investment-trusts-reits

 

[polyglob]

U don't need 1 million to touch FRS. And i don't have that too mine is pretty simple. As i live simply. So by meeting FRS is good enough for me. Plan according to what you have vs what u need. I don't chase blindly. I set realistic goles for myself.

1M55 is the notion that if a couple each hits FRS at some youngish age, then by the magic of compounding they will each have ~500k when they are 55.

Actually I am a bit confused - sometimes it is called 1M65 and sometimes it is 4M65.

There's a Telegram group if you are interested to know more.

 

[highsulphur]

1M55 is the notion that if a couple each hits FRS at some youngish age, then by the magic of compounding they will each have ~500k when they are 55.
Actually I am a bit confused - sometimes it is called 1M65 and sometimes it is 4M65.
There's a Telegram group if you are interested to know more.

1m by 55 is doable for an individual

But 4m by 65....i doubt so

 

[polyglob]

1m by 55 is doable for an individual

But 4m by 65....i doubt so

1M55 is definitely doable individually.

4M65 is possible for that small group of people who have high salary, high bonus, possibly multiple streams of CPF-contributing income and continue to work till 60+