Monthly Net-Worth Update — Mar 2025

Photo by Morgan Housel on Unsplash

Dear Readers,

Thank you for coming here! 

Here comes the snapshot of our Total Net-Worth for Mar 2025.

Net-Worth increase from last month: +12K SGD, -1.73KG Gold

This month is a slow month. Stock recovery slowed. And we got hit by the strong SGD vs RMB and HKD. There were also a few big insurance bills this month.

Our networth in terms of gold got hit hard due to gold price jump.

Photo by 金 运 on Unsplash

Investment: -0.92% annualized return, incl. dividend

I took some investment out this month and therefore the slight drop in return. Still need time and patience to recover.

Till next time!

Monthly Net-Worth Update — Feb 2025

Photo by Morgan Housel on Unsplash

Dear Readers,

Thank you for coming here! 

Here comes the snapshot of our Total Net-Worth for Feb 2025.

Net-Worth increase from last month: +123K SGD, +0.15KG Gold

The increase was from stock recoveries and salary.

Gold price continues to rise.

Photo by 金 运 on Unsplash

Investment: -0.67% annualized return, incl. dividend

On the road to recovery.

Till next time!

Monthly Net-Worth Update — Jan 2025

Photo by Morgan Housel on Unsplash

Dear Readers,

Thank you for coming here! 

Happy New Year!! Wish us all a prosperous 2025!

Here comes the snapshot of our Total Net-Worth for Jan 2025.

Net-Worth increase from last month: +58K SGD, -0.94KG Gold

Stock recovery continues, but our property valuation took a hit. Other contributors to the increase are CPF interest and salary.

Our net worth, in terms of Gold, is negative, thanks to the crazy Gold price.

Photo by 金 运 on Unsplash

Investment: -1.31% annualized return, incl. dividend

On the road to recovery.

Till next time!

2024 Year-End Summary — Financials

From Author

Dear Readers,

Thank you for coming here! 

Here is a quick summary of our 2024 from the perspective of financials.

Overall, 2024 is pretty ok for us.

1. We had pretty good TNW increment, above 40/40, but still have a lot of room before hitting 80/40.
2. Our investment portfolio recovered reasonably well in the year, even though we are still in the red. Of course I could have done much better if I had just sticked to the simple strategy.
3. Our flat had good appreciation as well.
4. In comparison, our employment income, especially mine, did not perform as well.
5. Interestingly, our total net-worth in terms of Gold is lower than Dec 2023. So measured in Gold, we are even poorer after a full-year's hard work.

Going into 2025, I need to sort out a few key items that could potentially move the needle big time, but overall I am hopeful.

We will continue the march towards 80/40 in 2025!

Last but not least, a huge thank you to all my readers! Wish you Merry Christmas and a Happy and Prosperous 2025!

Photo by Carson Arias on Unsplash

Till next time!!!

Monthly Net-Worth Update — Dec 2024

Photo by Morgan Housel on Unsplash

Dear Readers,

Thank you for coming here! 

Time flies!! 2024 is almost gone! Looking forward to 2025!

Here comes the snapshot of our Total Net-Worth for Dec 2024.

Net-Worth increase from last month: +105K SGD, +0.93KG Gold

The increase was a combination of salary and bonus, stock market recovery, appreciation of our flat and exchange rate. 

Our net worth, in terms of Gold, had another positive change, partly due to the slight decrease of Gold price.

Photo by 金 运 on Unsplash

Investment: -1.84% annualized return, incl. dividend

For the 1st time since Mid 2021, our annualized investment loss has reduced to within -2%. We have seem the light at the end of the tunnel. 

Since we have low confidence of our ability on active investing, we will stick to patience and let time work its wonders. 

This of course means that the return of our portfolio will depend on the market performance. But secretly, I hope we can break into positive return territory within 2025.

Also stay tuned for the year-end summary which is coming soon.

Till next time!

Monthly Net-Worth Update — Nov 2024

Photo by Morgan Housel on Unsplash

Dear Readers,

Thank you for coming here! 

Here comes the snapshot of our Total Net-Worth for Nov 2024.

Net-Worth increase from last month: +77K SGD, +1.02KG Gold

The increase was a combination of salary, stock market recovery, appreciation of our flat and exchange rate. Stock market performance was mixed, but net was a bit positive.

Our net worth, in terms of Gold, finally had a positive change after a while, partly due to the fall of Gold price.

Photo by 金 运 on Unsplash

Investment: -2.19% annualized return, incl. dividend

The road to recovery is still long.

Till next time!

Monthly Net-Worth Update — Oct 2024

Photo by Morgan Housel on Unsplash

Dear Readers,

Thank you for coming here!

Here comes the snapshot of our Total Net-Worth for Oct 2024.

Net-Worth increase from last month: +90K SGD, -0.94KG Gold

The increase was a combination of salary, stock market recovery, appreciation of our flat and exchange rate.

For Gold, the price is just flying. We cannot keep up with it.

Photo by 金 运 on Unsplash

Investment: -2.39% annualized return, incl. dividend

Last month was pleasant, but the road to recovery is still long.

Till next time!