Thursday, July 12, 2012

Tracking of growth / net worth - 2011 to 2012

Ah... another year gone & things have been chugging along.
Fear & greed was my constant companion, especially in 2011 Aug (fear) & 2011 Dec (greed).

These 12+/- months:
  1. Median net worth growth was about 17%-18% based on a 12 months' moving median.
  2. Average net worth growth was about 24%-26% based on a 12 months' moving average. 
Returns from investments were not as great as the ride from 2009 > 2010 > 2011, thus, the growth was mostly thanks to frugal and simple living.

Please note - this post is not to brag but to share
a. If we track it, we can manage it better (look at corporations & business world)
b. As we track it, we will "see the light at the end of the tunnel", and it's not an oncoming train
c. Simplify, save and invest consistently and holistically.

Just a thought.


Tuesday, August 9, 2011

Basics covered - Q & A makes it lively

G' day ladies & gentlemen.

Since $ management and investing basics are so.. basic and common sense (IMHO), thus not much for me to add here unless there are questions posted.

Thus, i'm doing most of my "postings" in forums. They can be found at:
1. Low Yat Net forum:
http://forum.lowyat.net/index.php?act=Search&nav=au&CODE=show&searchid=949495e1aff27eb3a639a21362dc7d8a&search_in=posts&result_type=posts

2. PropertiesWTF: http://www.propertywtf.com.my/wongmunkeong-u827/posts/

Please do post your Qs in these forums and let's share to sharpen each other's minds & Financial IQ.

3. You may also be interested in a pack of Excel tools i've uploaded here
http://forum.lowyat.net/topic/1577849/+698 OR http://www.propertywtf.com.my/post4831.html#p4831
The tools/worksheets ranges from:
Net Worth tracking,
EPF extrapolation based on salary growth %, bonus, etc,
Properties Evaluation (just quantitative) & rental/sale returns tracking
Investment returns calculation (for those stuff like put in $10K for 6yrs, and get $xxx,xxx in 30 years)
Effective rate of interest pa compounded for straight line loans like car loans and personal loans
etc.
phew.

Saturday, August 6, 2011

Tracking of growth / net worth

It's another year or two, and by tracking the details and % of my net worth, I know that the methods put into use / habits are still working and working great. My yearly (moving 12 months) growth's average is still 28% to 30%+ and the median is 24% to 27% . Woo hoo!

Eh, not all of it is due to investments' returns yar, it's also due to my crazy savings (to me it is crazy mar 40%+ excluding bonus, 70%+ including bonus), enabled by simplifying my life.

Side note, just as a statistic, if you save 43% of your investments returns' and spend only 57%, your $ will never be finished - assuming 8%pa returns and 6% inflation.

Please note - this post is not to brag but to share
a. If U track it, U can manage it better (look at corporations & business world)
b. As U track it, U will "see the light at the end of the tunnel", and it's not an oncoming train :P
c. Simplify, save and invest