How I will approach this is to have my Financial Charts up for evaluation. This data is computed automatically through excel. So theoretically I am able to produce them everyday with little effort.
The first chart is my Net Worth. I have this tracked since 2007 to see the Market crash horribly the next year. Unfortunately this is the furthermost that I have tracked as I would like to have data for another decade more. I find this chart fascinating because I am curious how net worth chart looks like in data over a long period. There is more than 9 years worth of data.
This year I added RED line to truly measure my Net Worth which include my Pension, CPF, Insurance Values and CPF Shares. I have the $ scale removed as usual for privacy.
There is a slight divergence to my surprise between the lines. Does this mean my "locked Investment" is doing better in growth than my investable assets.
The other chart below is asset allocation. Net Property means Value after deducting outstanding loan.
I am still not investing enough. Feel rather bad myself so I may have to reduce it down to 30% this year. And if Market allows to 26% cash and FD.
Cash Buffer for property payment in SG Bank is over 6 years. This may continue to go up if I stay employed as I am a Value Saver. I plan to maintain this high level of buffer.
Investment wise, 14% in Structured Returns lowers my overall portfolio returns. I hope to expand my Stock Equity if market allowed, by 6% allocation more to achieve better yield..
I am not doing much with CPF other than shifting enough into SA account to earn higher interest rates. The remaining OA CPF to further backup my housing loan. Overall, as you can see I am rather conservative in my financial but I am happy because I could be worst.
If you notice something striking or concern, feel free to comment.