YTD 2026 Networth tracking thread

Prof. Utonium

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Networth as of 29/05/2021 -> 1.2m SGD

All figures is SGD '000
YTD investment growth -> 6.75%
YTD networth growth(including new salary savings inflow) -> 11.05%

LhEPwx3.jpg

Nice to see your NW grow and crossing 7fig. Your post motivated me to keep track in such a manner (though not as detailed and yearly basis) 2 years back.
 

revhappy

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Nice to see your NW grow and crossing 7fig. Your post motivated me to keep track in such a manner (though not as detailed and yearly basis) 2 years back.
Thanks. I have now taken the tracking to the next level. I have given up trying to time the markets, instead my plan is now to do an increasing glide path of equity ratio initially 1% a month and then tapering* to 0.7% and finally 0.5% to get from my current 30% to 60% equity allocation ratio in the next 3years. I dont know what markets will do, but I know how much income I approximately save in the next 3 years. So, I have this inflow coming. Then I take base case scenario that markets overall stay stagnant and then I plot the scenario of my monthly networth values and equity ratio for the next 1year and allocation of my new inflow. Then as months go by I do scenario vs actual. In months when markets go up significantly, I dont have to spend much from my bond fund to buy equities, as the market does the increase for me, that is a happy thing. When markets fall, I need to deploy more into the markets, that kind of means buying low, that is also a happy thing.

So it is very interesting to track and now I am not very happy or sad when markets go up or down as I kind of have something to look forward to, in both scenarios.

I realized @Shiny Things and @BBCWatcher have great ideas about DCA and asset allocation, but I havent seen any great ideas about getting to the right target allocation from the wrong allocation. The suggestion is usually break it up into 6months, 1year or whatever and I find that too adhoc for my liking and there is no plan in it about what to do if markets fall or rise. So, I borrowed this idea from Michael Kitces research about rising equity glide path, which he did mainly for Sequence of return risk during the initial years of retirement. But I found it works perfectly for me.
https://www.kitces.com/blog/should-...is-a-rising-equity-glidepath-actually-better/
*The reason this tapering is needed, I found getting from 30% equities to 40%, you dont need to spend a lot of your bond fund. But getting from 50% to 60%, you need to spend a lot, it is just the math, 1% of 30% is a smaller amount but 1% of 50% is a big amount. So the tapering is necessary to retain the rate of depletion of my bond fund corpus and if it depletes slower then it also grows a bit and adds to it. So, finding the right balance.
 
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highsulphur

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Thanks. I have now taken the tracking to the next level. I have given up trying to time the markets, instead my plan is now to do an increasing glide path of equity ratio initially 1% a month and then tapering* to 0.7% and finally 0.5% to get from my current 30% to 60% equity allocation ratio in the next 3years. I dont know what markets will do, but I know how much income I approximately save in the next 3 years. So, I have this inflow coming. Then I take base case scenario that markets overall stay stagnant and then I plot the scenario of my monthly networth values and equity ratio for the next 1year and allocation of my new inflow. Then as months go by I do scenario vs actual. In months when markets go up significantly, I dont have to spend much from my bond fund to buy equities, as the market does the increase for me, that is a happy thing. When markets fall, I need to deploy more into the markets, that kind of means buying low, that is also a happy thing.

So it is very interesting to track and now I am not very happy or sad when markets go up or down as I kind of have something to look forward to, in both scenarios.

I realized @Shiny Things and @BBCWatcher have great ideas about DCA and asset allocation, but I havent seen any great ideas about getting to the right target allocation from the wrong allocation. The suggestion is usually break it up into 6months, 1year or whatever and I find that too adhoc for my liking and there is no plan in it about what to do if markets fall or rise. So, I borrowed this idea from Michael Kitces research about rising equity glide path, which he did mainly for Sequence of return risk during the initial years of retirement. But I found it works perfectly for me.
https://www.kitces.com/blog/should-...is-a-rising-equity-glidepath-actually-better/
*The reason this tapering is needed, I found getting from 30% equities to 40%, you dont need to spend a lot of your bond fund. But getting from 50% to 60%, you need to spend a lot, it is just the math, 1% of 30% is a smaller amount but 1% of 50% is a big amount. So the tapering is necessary to retain the rate of depletion of my bond fund corpus and if it depletes slower then it also grows a bit and adds to it. So, finding the right balance.
i think you should keep it simple, or more simple to be honest

you have a longer runway than me. Just DCA into global equity ETFs. I regret not realising this in my 30s
 

revhappy

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i think you should keep it simple, or more simple to be honest

you have a longer runway than me. Just DCA into global equity ETFs. I regret not realising this in my 30s
It is actually pretty simple :) How difficult is it to calculate allocation ratio in excel, when you have all values and I anyways track it. Simple works for people who are not involved in the markets. But I need a more robust plan because I am involved in the markets and many times I cannot justify buying regardless of market levels. So, I need something to back it up.
 

highsulphur

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It is actually pretty simple :) How difficult is it to calculate allocation ratio in excel, when you have all values and I anyways track it. Simple works for people who are not involved in the markets. But I need a more robust plan because I am involved in the markets and many times I cannot justify buying regardless of market levels. So, I need something to back it up.
i am involved in markets as well and to be honest, I think it has been an impediment all these years. I would be better off not overthinking and DCA for the last couple of decades.
 

revhappy

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i am involved in markets as well and to be honest, I think it has been an impediment all these years. I would be better off not overthinking and DCA for the last couple of decades.
yeah, well, it is impossible to have the perfect balance. Often people are totally ignorant about markets and too scared to invest and they miss out on the whole thing. Remaining people are the other extreme, too involved in the markets try to time it and screw up and they are no better than the prior crowd. It is only a very very small percentage of people who manage to continuously invest and at the same time be able to ignore everything the market is doing. I dont know how would you train people in the future to get to this state, dont get them curious about markets but at the same time convince them that markets make them money if they invest regularly.
 

highsulphur

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yeah, well, it is impossible to have the perfect balance. Often people are totally ignorant about markets and too scared to invest and they miss out on the whole thing. Remaining people are the other extreme, too involved in the markets try to time it and screw up and they are no better than the prior crowd. It is only a very very small percentage of people who manage to continuously invest and at the same time be able to ignore everything the market is doing. I dont know how would you train people in the future to get to this state, dont get them curious about markets but at the same time convince them that markets make them money if they invest regularly.
just set the rule and don't think too much about it!
 

TalkingRabbit

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I have started my DJIA scalping journey since last year Sept20 when work was not busy. I trade only when there are opportunities, and not everyday. I treat it as a game...haha. Till date, my return is 30.6% with a hitting rate of 87%. :)
 

revhappy

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just set the rule and don't think too much about it!
I realised my strategy is very similar to the concept of Value averging. This article explains it very well:
https://breakingdownfinance.com/finance-topics/modern-portfolio-theory/value-averaging/
The premise here is that you have a predetermined monthly dollar value path and duration of time to get there and every month you invest the amount need to match the dollar value that it should be that month. Some months you need to sell also if the value increases. There is an excel file also which you can download which shows an example.

Ggs1q5W.jpg


My approach differs in that, I have an allocation ratio path and not a dollar amount path and also I dont intend to sell equities. If equities rise to a level more than what my ratio should be that month, I simply dont allocate the next month(s) until the path ratio catches up with my actual equity ratio.
 
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limster

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I have started my DJIA scalping journey since last year Sept20 when work was not busy. I trade only when there are opportunities, and not everyday. I treat it as a game...haha. Till date, my return is 30.6% with a hitting rate of 87%. :)
since this is a networth thread, the question is whether your 30% return translates to a 30% increase in your networth, or whether you are only playing small amounts and your networth isn't affected that much.
 

highsulphur

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since this is a networth thread, the question is whether your 30% return translates to a 30% increase in your networth, or whether you are only playing small amounts and your networth isn't affected that much.
This is very true. I learnt first hand when i deploy my cash almost fully last year. Now i have less than 9% cash
 

TalkingRabbit

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since this is a networth thread, the question is whether your 30% return translates to a 30% increase in your networth, or whether you are only playing small amounts and your networth isn't affected that much.
Yup, I play only small amounts and this consistently contributes additional ~10% to my monthly employment income.
 

Prof. Utonium

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Thanks. I have now taken the tracking to the next level. I have given up trying to time the markets, instead my plan is now to do an increasing glide path of equity ratio initially 1% a month and then tapering* to 0.7% and finally 0.5% to get from my current 30% to 60% equity allocation ratio in the next 3years. I dont know what markets will do, but I know how much income I approximately save in the next 3 years. So, I have this inflow coming. Then I take base case scenario that markets overall stay stagnant and then I plot the scenario of my monthly networth values and equity ratio for the next 1year and allocation of my new inflow. Then as months go by I do scenario vs actual. In months when markets go up significantly, I dont have to spend much from my bond fund to buy equities, as the market does the increase for me, that is a happy thing. When markets fall, I need to deploy more into the markets, that kind of means buying low, that is also a happy thing.

So it is very interesting to track and now I am not very happy or sad when markets go up or down as I kind of have something to look forward to, in both scenarios.

I realized @Shiny Things and @BBCWatcher have great ideas about DCA and asset allocation, but I havent seen any great ideas about getting to the right target allocation from the wrong allocation. The suggestion is usually break it up into 6months, 1year or whatever and I find that too adhoc for my liking and there is no plan in it about what to do if markets fall or rise. So, I borrowed this idea from Michael Kitces research about rising equity glide path, which he did mainly for Sequence of return risk during the initial years of retirement. But I found it works perfectly for me.
https://www.kitces.com/blog/should-...is-a-rising-equity-glidepath-actually-better/
*The reason this tapering is needed, I found getting from 30% equities to 40%, you dont need to spend a lot of your bond fund. But getting from 50% to 60%, you need to spend a lot, it is just the math, 1% of 30% is a smaller amount but 1% of 50% is a big amount. So the tapering is necessary to retain the rate of depletion of my bond fund corpus and if it depletes slower then it also grows a bit and adds to it. So, finding the right balance.

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. :s13:
 

kickass22

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My liquid networth hit another record high and closer to 1.93 millions.. This is attributed by the rising investment portfolio which has been hitting record high for 7 straight months since last Nov. Come to think about this, last year March when we have the crash, I lost 12% of my liquid networth in less than 3 days and only to recover that value after 9 months

8qbSfHV.png
May I ask if you are in your 40's or 50's? If it is too personal, apologies for the question.
 
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