Tuesday, December 30, 2025

2025 Year-End Summary — Financials


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!

Photo by Carson Arias on Unsplash

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!

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

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.

Photo by 金 运 on Unsplash

Investment: +17.11% annualized return, incl. dividend


Stock market has treated us well this year.


Till next time!