| Photo by Morgan Housel on Unsplash |
Dear Readers,
Thank you for coming here!
And welcome to 2026~!
Market rally continues. Of course, property appreciation, salary, AWS, CPF interests helped as well.
GOLD rally continues too. So increment in terms of GOLD is less impressive.
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| Photo by micheile dot com on Unsplash |
Dear Readers,
Thank you for coming here!
Since we have achieved 80/40 in 2025, we will be marching towards 160/40.
How to achieve it? Not yet a clue. I guess we will figure it out along the way.
Till next time!
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| From Author |
Dear Readers,
Thank you for coming here!
2025 is crazily pleasant for us.
Last year, we were working towards 80/40 goal and this year, we achieved twice that.
This much thanks to the stock market. Our annualized return since the beginning of our investment journey went from -1.3% in Jan to +17.1% in Dec. We got lucky after losing money for so many years in the market.
What's more, we have achieved the "magic number" we set for ourselves a few years back - the number we believe would be sufficient for our retirement, way ahead of our planned timeline.
So we have achieved some level of Financial Freedom. Hooray!!!
Of course, the year could have been better.
For 1) we sold our positions way too early. If not, the numbers would have been much crazier.
For 2) we missed Gold as an investment vehicle. We tried a few times but failed to pull the plug in the end. The outcome is that our total net-worth in terms of Gold is still lower than the peak in 2024. Gold, the yellow metal, showed the world its magic power!
In 2026, we will strive for higher.
For 2026, we will continue focusing on what we can control and influence - work hard, increase active income, stay invested, take care of family and health, and strive for higher achievements!
Last but not least, a huge thank you to all my readers! Wish you a Happy and Prosperous 2026!
Till next time!!!
| Photo by Morgan Housel on Unsplash |
Dear Readers,
Thank you for coming here!
Another crazy month with crazy numbers. It is mainly due to the one counter in our portfolio that had crazy growth this month.
Of course, bonus and property appreciation also helped.
GOLD continues to go up. Luckily, our portfolio went up more than GOLD.
| Photo by Morgan Housel on Unsplash |
Dear Readers,
Thank you for coming here!
Stock market has been declining over the past few weeks. And it seems that SG property price has been dropping as well, at least from the site I follow. Hopefully, it declines to a point where ABSD can be lowered.
GOLD declined a bit as well. So we are a bit richer in terms of GOLD.
| Photo by Morgan Housel on Unsplash |
Dear Readers,
Thank you for coming here!
We sold quite some positions during last month to lock in profits. In the hindsight, we might have sold too early. But selling at the peak rarely happens.
Stock market is crazy, but not as crazy as GOLD. We continue to be poorer in GOLD terms.
Till next time!
| Photo by Morgan Housel on Unsplash |
Dear Readers,
Thank you for coming here!
The stock market is crazy, pushing our monthly Networth increase to record high.
What is even more crazy is that our networth dropped in terms of Gold compared to last month. Again, GOLD price is crazy.
Stocks have been doing really well.
Till next time!
