Wednesday, 16 April 2014

Net Worth Update (March 2014)

Current Net Worth
Assets
Feb-14
Mar-14
Change
% change
Savings Account 1
$4,598.46
$2,311.73
($2,286.73)
-49.73
Savings Account 2
$9,641.46
$4,306.46
($5,335.00)
-55.33
Savings Account 3
$37,769.00
$38,915.06
$1,146.06
3.03
Investment Linked Fund
$9,547.52
$0.00
($9,547.52)
-100.00
Stock Holdings
$9,525.00
$9,760.00
$235.00
2.47
Phillip Money Market Fund
$25,074.34
$40,095.18
$15,020.84
59.91
Physical cash
$1,000.00
$1,000.00
$0.00
0.00
Market Value Of BTO Flat (to be built in 2016/2017)
$750,000.00
$750,000.00
$0.00

Total Assets
$847,155.78
$846,388.43
($767.35)
-0.09





Liabilities




Home Loan
$617,500
$617,500
$0.00
0.00





Net Worth (including flat to be built in 2016/2017)
$229,655.78
$228,888.43
($767.35)
-0.33
Investible Net Worth
$97,155.78
$96,388.43
($767.35)
-0.79


Asset allocation
Weights
Cash or cash equivalents
$86,628.43
89.87%
Stocks
$9,760.00
10.13%
Total
$96,388.43


Highlights
  • Sold my investment linked fund. Left $1,000 in the fund to pay for insurance charges. The $1,000 was transferred to a cash fund as it's main purpose is to pay for insurance charges, which will be enough to pay off about 7 years of premiums before I top up. The $1,000 is excluded from my net worth calculation as it is not considered an investible asset
  • Celebrated girlfriend's birthday this month. Spent about $700 including dinner and a bag as birthday gift
  • Paid about $2,000 to pay off my notice period as I have tendered my resignation and will be starting my new job in May
  • Cash or cash equivalents now make up about 90% of my investible net worth

Saturday, 1 March 2014

Net Worth Update (February 2014)

Current Net Worth
Assets
Jan-14
Feb-14
Change
% change
Savings Account 1
$1,275.08
$4,598.46
$3,323.38
260.64
Savings Account 2
$9,369.05
$9,641.46
$272.41
2.91
Savings Account 3
$32,046.58
$37,769.00
$5,722.42
17.86
Investment Linked Fund
$9,279.71
$9,547.52
$267.81
2.89
Schroders Commodity Fund
$9,099.90
$0.00
($9,099.90)
-100.00
Stock Holdings
$9,270.00
$9,525.00
$255.00
2.75
Phillip Money Market Fund
$15,068.27
$25,074.34
$10,006.07
66.40
Physical cash
$1,000.00
$1,000.00
$0.00
0.00
Market Value Of BTO Flat (to be built in 2016/2017)
$750,000.00
$750,000.00
$0.00

Total Assets
$836,408.59
$847,155.78
$10,747.19
1.28





Liabilities




Home Loan
$617,500
$617,500
$0.00
0.00





Net Worth (including flat to be built in 2016/2017)
$218,908.59
$229,655.78
$10,747.19
4.91
Investible Net Worth
$86,408.59
$97,155.78
$10,747.19
12.44


Asset allocation
Weights
Cash or cash equivalents
$78,083.26
80.37%
Stocks
$9,525.00
9.80%
Unit trusts
$9,547.52
9.83%
Total
$97,155.78























Highlights
  • Received my bonus for year 2013 in February
  • Liquidated commodities mutual fund for $9,123.38
  • Transferred $10,000 into Phillip Money Market Fund
  • Cash/Cash equivalents at $78,083.26, with about $35,000 set aside as war chest for investment purposes

Saturday, 1 February 2014

Net Worth Update (Jan 2014)

Current Net Worth
Assets
Dec-13
Jan-14
Change
% change
Savings Account 1
$1,600.02
$1,275.08
($324.94)
-20.31
Savings Account 2
$8,840.05
$9,369.05
$529.00
5.98
Savings Account 3
$30,096.58
$32,046.58
$1,950.00
6.48
Investment Linked Fund
$9,273.79
$9,279.71
$5.92
0.06
Schroders Commodity Fund
$9,135.12
$9,099.90
($35.22)
-0.39
Stock Holdings
$9,360.00
$9,270.00
($90.00)
-0.96
Phillip Money Market Fund
$15,064.37
$15,068.27
$3.90
0.03
Physical cash
$1,000.00
$1,000.00
$0.00
0.00
Market Value Of BTO Flat (to be built in 2016/2017)
$750,000.00
$750,000.00
$0.00

Total Assets
$834,369.93
$836,408.59
$2,038.66
0.24





Liabilities




Home Loan
$617,500
$617,500
$0.00
0.00





Net Worth (including flat to be built in 2016/2017)
$216,869.93
$218,908.59
$2,038.66
0.94
Investible Net Worth
$84,369.93
$86,408.59
$2,038.66
2.42


Asset allocation
Weights
Cash or cash equivalents
$58,758.98
68.00%
Stocks
$9,270.00
10.73%
Unit trusts
$9,279.71
10.74%
Commodities
$9,099.90
10.53%
Total
$86,408.59
























Highlights

  • Gave my parents $200 each for Chinese New Year (Ang Pow)
  • Gave my mother $288 for her birthday
  • Spent $350 on clothes for CNY (2 shirts, 1 pants)
  • Bought a $60 dress for my girlfriend for CNY
  • Year end bonus will be coming in at the end of February
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