Monthly Net-Worth Update — Aug 2025 : Great numbers but less straightforward

 

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Dear Readers,

Thank you for coming here!

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

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.

Photo by 金 运 on Unsplash

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! 

Monthly Net-Worth Update — Jul 2025

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Dear Readers,

Thank you for coming here!

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

Net-Worth increase from last month: +39K SGD, +0.23KG Gold

Less exciting month. My stock portfolio had mixed performance.

Our networth in terms of gold continued to increase this month. Gold is still rising, just at a slower pace lately.

Photo by 金 运 on Unsplash

Investment: +2.98% annualized return, incl. dividend

Return continued to improve with the overall indexes.

Till next time! 

Monthly Net-Worth Update — Jun 2025

Photo by Morgan Housel on Unsplash

Dear Readers,

Thank you for coming here!

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

Net-Worth increase from last month: +113K SGD, +0.54KG Gold

Thanks to the stock market, we had good increase this month.

Gold prices increased as well. So we had a mild increase in TNW in terms of Gold.

Photo by 金 运 on Unsplash

Investment: +1.69% annualized return, incl. dividend

Glad to see our time-weighted return going up a bit further. 

Till next time!

Finally positive return!!! Monthly Net-Worth Update — May 2025

Photo by Morgan Housel on Unsplash

Dear Readers,

Thank you for coming here! 

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

Net-Worth increase from last month: +122K SGD, +1.28KG Gold

Great month, mainly due to stock recovery from last month. We are hit by the depreciating USD vs SGD.

Our networth in terms of gold increased as well since the Gold price did not increase over this month.

Photo by 金 运 on Unsplash

Investment: +0.27% annualized return, incl. dividend

Finally, after 7 years of investing, we broke-even in terms of dollars. In terms of real buying power, of course not. But again a good milestone to celebrate!

Till next time!

Monthly Net-Worth Update — Apr 2025

Photo by Morgan Housel on Unsplash

Dear Readers,

Thank you for coming here! 

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

Net-Worth increase from last month: +11K SGD, -1.18KG Gold

Due to the stock market, we were not expecting increases this month. As it turned out, stock losses offset our salary income.

Our networth in terms of gold continued to decline this month. Our networth in Gold has dropped 20% from its peak in early 2024, while our networth in term of SGD increased by 30% over the same period. 

Crazy Gold prices!

Photo by 金 运 on Unsplash

Investment: -1.06% annualized return, incl. dividend

Still need time and patience to recover.

Till next time!

Mark — I bought these on the eve and on the day of “Liberation Day”

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Dear Readers,

Thank you for coming here! 

I bought MU and VWRA on the eve and on the day of “Liberation Day”.

This post is to keep the record of what I did.

Till next time!

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

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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!