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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!
Friday, January 2, 2026
Tuesday, December 30, 2025
2025 Year-End Summary — Financials
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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!!!
Monthly Net-Worth Update — Dec 2025 : Crazy numbers again, bringing the year to an awesome close
| Photo by Morgan Housel on Unsplash |
Dear Readers,
Thank you for coming here!
Net-Worth increase from last month: +594K SGD, 1.54KG Gold
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.
Investment: +17.11% annualized return, incl. dividend
Stock market has treated us well this year.
Till next time!
Friday, November 21, 2025
Monthly Net-Worth Update — Nov 2025 : nominal numbers
| Photo by Morgan Housel on Unsplash |
Dear Readers,
Thank you for coming here!
Net-Worth increase from last month: +28K SGD, 0.42KG Gold
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.
Investment: +12.44% annualized return, incl. dividend
The market has gone down a bit and I might deploy my war chest in the coming weeks/months.
Till next time!
Friday, October 24, 2025
Monthly Net-Worth Update — Oct 2025 : Crazy numbers continued
| Photo by Morgan Housel on Unsplash |
Dear Readers,
Thank you for coming here!
Net-Worth increase from last month: +202K SGD, -2.73KG Gold
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.
Investment: +14.16% annualized return, incl. dividend
Till next time!
Friday, September 19, 2025
Monthly Net-Worth Update — Sept 2025 : Crazy numbers
| Photo by Morgan Housel on Unsplash |
Dear Readers,
Thank you for coming here!
Net-Worth increase from last month: +303K SGD, -0.48KG Gold
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.
Investment: +12.15% annualized return, incl. dividend
Stocks have been doing really well.
Till next time!
Friday, August 22, 2025
Monthly Net-Worth Update — Aug 2025 : Great numbers but less straightforward
| Photo by Morgan Housel on Unsplash |
Dear Readers,
Thank you for coming here!
Net-Worth increase from last month: Big
My wife has finally agreed to include her company stock program into our Total Networth tracking. So we have a big increase this month.
To be fair, Aug is already a pretty good month for us, even with the stock pull-back in the last few days.
However, even with this, we are still poorer than we were 1.5 years ago in terms of GOLD. Again, GOLD price is crazy.
Investment: +5.96% annualized return, incl. dividend
Again, this is largely due to my wife's company stock program. She pretty much just left the stocks in her account and thus enjoyed good growth over the past decade.
Till next time!
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