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!!!

2024 Year-End Summary — Financials

From Author

Dear Readers,

Thank you for coming here! 

Here is a quick summary of our 2024 from the perspective of financials.

Overall, 2024 is pretty ok for us.

1. We had pretty good TNW increment, above 40/40, but still have a lot of room before hitting 80/40.
2. Our investment portfolio recovered reasonably well in the year, even though we are still in the red. Of course I could have done much better if I had just sticked to the simple strategy.
3. Our flat had good appreciation as well.
4. In comparison, our employment income, especially mine, did not perform as well.
5. Interestingly, our total net-worth in terms of Gold is lower than Dec 2023. So measured in Gold, we are even poorer after a full-year's hard work.

Going into 2025, I need to sort out a few key items that could potentially move the needle big time, but overall I am hopeful.

We will continue the march towards 80/40 in 2025!

Last but not least, a huge thank you to all my readers! Wish you Merry Christmas and a Happy and Prosperous 2025!

Photo by Carson Arias on Unsplash

Till next time!!!