Monthly Net-Worth Update — Jul 2026

 

Photo by Morgan Housel on Unsplash

Dear Readers,

Thank you for coming here!

Here comes the snapshot of our Total Net-Worth for July 2026.

Net-Worth increase from last month: -471K SGD, -1.18KG Gold

We took a big hit this month due to the stock market, especially the AI trade. 

What a month! Full of news titles, volitility, confusion mixed with hope, FOMO at one moment and regret at the next...I guess this is what happens when people follow the market and news and do trading instead of investing.

Over the past year or so, I have been guilty of exiting the AI trade way too early, too fast and too much. This time, I held on and lets see what happens. Next week will be critical, with the earnings of the hyperscalers.

Also, looking back at my monthly tracking, I was a bit surprised to realize that the last time we had negative NetWorth increment was 23 months ago, which means we have had a 22-month streak of networth increases...Definitely the longest since we started tracking.

On the other hand, GOLD price continued to decline, but not as much as the AI trades. So we had negative increment in terms of GOLD as well.

Photo by 金 运 on Unsplash

Investment: +54% annualized return, incl. dividend

This is calculated based on the weighted average duration of all my investments. This is probably not the usual way of calculating returns in the Finance world. So just for reference.

Till next time!

Monthly Net-Worth Update — Jun 2026

 

Photo by Morgan Housel on Unsplash

Dear Readers,

Thank you for coming here!

Here comes the snapshot of our Total Net-Worth for June 2026.

Net-Worth increase from last month: +2223K SGD, +18KG Gold

Stock was doing well overall in the past month, though some sectors did much better than the rest. 

AI boom sees no signs of slowing yet. We are lucky to catch this bus.

Looking back, we have exited way too early and way too big. But we can only pocket what our wisdom and understanding reaches.

GOLD dropped more than 10% in the last month. So our net-worth had good increment, measured in GOLD as well. Still I do not own any GOLD. Maybe it is time to add some.

Photo by 金 运 on Unsplash

Investment: +60% annualized return, incl. dividend

This is calculated based on the weighted average duration of all my investments. This is probably not the usual way of calculating returns in the Finance world. So just for reference.

Till next time!

Monthly Net-Worth Update — May 2026

 

Photo by Morgan Housel on Unsplash

Dear Readers,

Thank you for coming here!

Here comes the snapshot of our Total Net-Worth for May 2026.

Net-Worth increase from last month: +1197K SGD, +6.1KG Gold

Stock market staged another rally. Despite the fall in the past week or so, the market still retained mosto f the gains.

GOLD price pretty much stayed flat vs last update. So good increment in GOLD as well.

Photo by 金 运 on Unsplash

Investment: +40% annualized return, incl. dividend

Till next time!

Monthly Net-Worth Update — Apr 2026

Photo by Morgan Housel on Unsplash

Dear Readers,

Thank you for coming here!

Here comes the snapshot of our Total Net-Worth for Apr 2026.

Net-Worth increase from last month: +165K SGD, +0.3KG Gold

Btw last update and this one, what a month! Luckily, the war is on pause and stock rebounded. 

Looking back, I might have added positions too fast and too much. But no one can time the bottom perfectly and  there is probably no need to.

GOLD price experienced rollercoaster as well. I am happy that we had TNW increase in terms of GOLD.

Photo by 金 运 on Unsplash

Investment: +25% annualized return, incl. dividend

Till next time!

Monthly Net-Worth Update — Mar 2026

 

Photo by Morgan Housel on Unsplash

Dear Readers,

Thank you for coming here!

Here comes the snapshot of our Total Net-Worth for Mar 2026.

Net-Worth increase from last month: +74K SGD, +3.15KG Gold

With the war and how the stock markets react to it, we are lucky to still have a positive increase vs last month. I hope for a swift end to the war and people, especially those close to the fire, can turn to normal life.

I believe this will happen. So I have been adding a lot of positions over the last 2-3 weeks.

GOLD experienced sharp decline. So increment in terms of GOLD is relatively good. This has also made a new record for our networth in terms of GOLD.

Photo by 金 运 on Unsplash

Investment: +24% annualized return, incl. dividend

Till next time!

Monthly Net-Worth Update — Feb 2026

Photo by Morgan Housel on Unsplash

Dear Readers,

Thank you for coming here!

Here comes the snapshot of our Total Net-Worth for Feb 2026.

Net-Worth increase from last month: +507K SGD, -0.47KG Gold

The gain is mainly from stocks - one of our counters continued to go up, while some others experienced decline, including some new positions. 

Also, since I did the update quite late for this month, our Feb salary has hit our bank account. So this number includes our salary for both Jan and Feb.

The absolute number is very pleasant. But in terms of GOLD, again we are poorer. This has been largely the case for the past 2 years.

Photo by 金 运 on Unsplash

Investment: +23.06% annualized return, incl. dividend

Till next time!

Monthly Net-Worth Update — Jan 2026: Good Start

  

Photo by Morgan Housel on Unsplash

Dear Readers,

Thank you for coming here!

And welcome to 2026~!

Here comes the snapshot of our Total Net-Worth for Jan 2026.

Net-Worth increase from last month: +357K SGD, 0.42KG Gold

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.

Photo by 金 运 on Unsplash

Investment: +19.24% annualized return, incl. dividend

Till next time!