YTD 2026 Networth tracking thread

[hwmook]

I was just looking at Kyith from Investmentmoat's networth.
https://investmentmoats.com/StockPortfolioTracker/stockportfolioinvestmenttracker.php
It takes sometime to understand it.
But it is very interesting.
His total investment portfolio is around 1.325m SGD, he holds around 50% cash.
He has only 40k allocated to SG stocks maybe legacy portfolio which he wants to get rid of.
His holdings are mostly US ETFs, not quite broad market but lots of sector ETFs and factor ETFs.

But just going through his google sheets portfolio, to me he seems like he was once an individual stock investor, mostly SG stock investor and then has now matured to become mostly US ETF investor.

He got 50% in cash and talk about investments, not sure I can take him seriously.

 

[revhappy]

He got 50% in cash and talk about investments, not sure I can take him seriously.

He is pretty much like me. I can see a lot of similarities. In terms of frugality, his annual expenses is 22.4k a year, for a couple! Last year he bought a Redmi Note 8 and I bought a Redmi Note 9. The kind of phone you buy tells a lot about the person

His networth is already 1.3m. Given his lifestyle, he doesnt really need to grow his wealth. He only needs to beat inflation and for that his asset allocation is appropriate. Bill Bernstein said this, when you have already won the game, there is no need to continue playing.

 

[highsulphur]

He is pretty much like me. I can see a lot of similarities. In terms of frugality, his annual expenses is 22.4k a year, for a couple! Last year he bought a Redmi Note 8 and I bought a Redmi Note 9. The kind of phone you buy tells a lot about the person

His networth is already 1.3m. Given his lifestyle, he doesnt really need to grow his wealth. He only needs to beat inflation and for that his asset allocation is appropriate. Bill Bernstein said this, when you have already won the game, there is no need to continue playing.

I won't really consider him to have "won the game" to be honest with 1.3m networth

 

[Dividends Warrior]

He got 50% in cash and talk about investments, not sure I can take him seriously.

Sigh, another investor who gave up on dividend investing.

 

[revhappy]

He got 50% in cash and talk about investments, not sure I can take him seriously.

He might eventually turn out to be a great investor. This is what Bill Bernstein says about recent market performance:

If you think about what has done poorly in the last 10 years, you will find nothing! It has been an everything bubble and the only thing that has underperformed is cash. People like Ray Dalio have been saying cash is trash. We just saw in Mar 2020 briefly during the panic what happened to stocks and also bonds. So may be just may be cash is actually the best way to diversify right now.

 

[d5dude]

He might eventually turn out to be a great investor. This is what Bill Bernstein says about recent market performance:

If you think about what has done poorly in the last 10 years, you will find nothing! It has been an everything bubble and the only thing that has underperformed is cash. People like Ray Dalio have been saying cash is trash. We just saw in Mar 2020 briefly during the panic what happened to stocks and also bonds. So may be just may be cash is actually the best way to diversify right now.

I'm sure many assets have done poorly in the last 10 years, for example gold (GLD) has a negative 10 year return.

 

[hwmook]

He might eventually turn out to be a great investor. This is what Bill Bernstein says about recent market performance:

If you think about what has done poorly in the last 10 years, you will find nothing! It has been an everything bubble and the only thing that has underperformed is cash. People like Ray Dalio have been saying cash is trash. We just saw in Mar 2020 briefly during the panic what happened to stocks and also bonds. So may be just may be cash is actually the best way to diversify right now.

Why does anything have to do poorly? If productivity is increasing, economy is growing then everything will increase in value. I don't agree with keeping too much cash unless you forsee the market crashing in the short term. If market crash then I will borrow money to buy in.

 

[Prof. Utonium]

YTD total networth up 13.76% and investment growth excluding new inflow from salary savings is up 8.4%

All figures in SGD '000

I am now more into tracking rising equity percentage glide path of 1% increase per month. You can see the steady rise since I started this strategy in Mar 2021.

Can see that there is a huge upside in your FI value. Is it due to your plan of retiring early in few years time or due to adoption of VAP strategy?

May adopt the glide method for next year as a trial since I will be sitting on a small pile of cash at the end of the year.

 

[revhappy]

Can see that there is a huge upside in your FI value. Is it due to your plan of retiring early in few years time or due to adoption of VAP strategy?

May adopt the glide method for next year as a trial since I will be sitting on a small pile of cash at the end of the year.

No actually I had the wrong selection of equity assets and I was jumping all over the place. So I decided to get out and start from a clean slate. My plan is to eventually ramp up my equity allocation in a steady glide path.

 

[limster]

August 2021: My IBKR portfolio return has crossed the 20% mark. On hindsight, 2020 was definitely the sale I had been waiting 10 years for.

I resuming buying in July and will continue to buy ETFs this month. I have no idea when the bull market will end, but if covid19 is somehow resolved, one would expect the market to go even higher.

 

[yuzu28]

revhappy, ur income growth is mainly from job or investments?

I'm toying with the idea of tendering resignation early next year. Not super busy but just got sick of the job. But... My large buck of income is from job, though my current savings (including investment but excluding property and cpf) can keep for 30 years based on min spending. Still thinking...

 

[highsulphur]

revhappy, ur income growth is mainly from job or investments?

I'm toying with the idea of tendering resignation early next year. Not super busy but just got sick of the job. But... My large buck of income is from job, though my current savings (including investment but excluding property and cpf) can keep for 30 years based on min spending. Still thinking...

Don't do it.

Quit only if you have a plan

 

[yuzu28]

Don't do it.

Quit only if you have a plan

Thought of reading up on investment, spend more time to do it... Other than that just laze around doing things I enjoy. In mid 40s, changing job may not be feasible. My friend changed job and ended up rendering soon cos long hours of work, body and mentally tired.

 

[revhappy]

revhappy, ur income growth is mainly from job or investments?

I'm toying with the idea of tendering resignation early next year. Not super busy but just got sick of the job. But... My large buck of income is from job, though my current savings (including investment but excluding property and cpf) can keep for 30 years based on min spending. Still thinking...

It is mainly from my job. My investments on average for the past few years are growing at around 6% I would say.

You can certainly afford to take a break and then ponder what you like to do, in case you dont like your current job. I think the best case is if you find something you like doing and it also pays you, may not be paying you very high as your current job, but it keeps you happy. May be you just need a break and recharge yourself. You are the best judge for this. I am not sure how the job market in Singapore treats people who take a break or who want to change industry. So, this is something you need to think about.

Also maybe, if it has gotten to this point where you are already contemplating to quit, it could make sense to discuss with your employer your options with some other team or some different kind of role. Maybe the change would help.

Regarding investments, I would suggest, the less you tinker with it the better it is. Dont expect to use your extra time to manage it more actively to generate extra returns. It could go either way. Best is to just invest passively in the index funds with a reasonable allocation ratio and then have a conservative SWR.

 

[limster]

My salary and bonus went to buying a car early this year.

I'm waiting for 2022 and the ARF rebates for EV

 

[hwmook]

I'm waiting for 2022 and the ARF rebates for EV

If I stay landed then will buy an EV.

 

[Prof. Utonium]

revhappy, ur income growth is mainly from job or investments?

I'm toying with the idea of tendering resignation early next year. Not super busy but just got sick of the job. But... My large buck of income is from job, though my current savings (including investment but excluding property and cpf) can keep for 30 years based on min spending. Still thinking...

Based on postings and recommendations here, most will take a few years of data collection (expenses, income) before crossing the line. Better to be prudent.

1 recent retiree (last year) in my workplace tendered since he was sick of the job/environment and wanted a slower pace. But he was already in early 50s with few properties for passive income. Just a few more years till he is able to touch his CPF.

No actually I had the wrong selection of equity assets and I was jumping all over the place. So I decided to get out and start from a clean slate. My plan is to eventually ramp up my equity allocation in a steady glide path.

After looking at your latest chart, I decided to revamp mine in the wee hours yesterday. Somehow ended up with 24 columns, but then again I wanted to see the different variances in each category too. Will join the sharing after '21 concludes next early Jan.

Started in '19 after seeing your post and been tracking yearly since. Glad I did, much easier to track and been quite a motivator after looking at the graphs mate! More satisfying than relying on IBKR detailed/snapshot report email.

 

[revhappy]

YTD total networth up 13.76% and investment growth excluding new inflow from salary savings is up 8.4%

All figures in SGD '000

I am now more into tracking rising equity percentage glide path of 1% increase per month. You can see the steady rise since I started this strategy in Mar 2021.

YTD total networth up 17.3% and investment growth excluding new inflow from salary savings is up 10.73%
I have started tracking gold seperately now and I plan to hit 10% allocation to gold and 50% in equities in 2 years

All figures in SGD '000

 

[gold_eagle36]

YTD total networth up 17.3% and investment growth excluding new inflow from salary savings is up 10.73%
I have started tracking gold seperately now and I plan to hit 10% allocation to gold and 50% in equities in 2 years

All figures in SGD '000

will you consider crypto?

 

[revhappy]

will you consider crypto?

No, I don't really a have view on which crypto will eventually survive and what is going to be it's long term value.