Thursday, October 31, 2013

Net Worth Update (October 2013)

Current Net Worth
Assets
Sep-13
Oct-13
Change
% change
Savings Account 1
$2,632.00
$2,002.00
($630.00)
-23.94
Savings Account 2
$6,015.00
$7,457.78
$1,442.78
23.99
Savings Account 3
$26,342.00
$26,342.00
$0.00
0.00
Investment Linked Fund
$8,659.81
$9,265.64
$605.83
7.00
Schroders Commodity Fund
$9,358.21
$9,276.02
($82.19)
-0.88
Stock Holdings
$9,310.00
$9,370.00
$60.00
0.64
Phillip Money Market Fund
$15,048.76
$15,052.66
$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
$828,365.78
$829,766.10
$1,400.32
0.17





Liabilities




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





Net Worth (including flat to be built in 2016/2017)
$210,865.78
$212,266.10
$1,400.32
0.66
Investible Net Worth
$78,365.78
$79,766.10
$1,400.32
1.79


Asset Allocation
Weightage
Cash or cash equivalents
$51,854.44
65.01%
Stocks
$9,370.00
11.75%
Unit trusts
$9,265.64
11.62%
Commodities
$9,276.02
11.63%
Total
$79,766.10


Updates
  • Expenses were high this month due to many reasons : Celebrated anniversary with girlfriend, partially sponsored my girlfriend on a holiday trip and bought a new pair of working shoes.
  • 65% of investible net worth is now in cash
  • Have not been blogging much due to the upcoming CFA Level 1 exam in December
  • I was hinted by my boss today to expect about 2-3 months of year end bonus (before proration as I started in May). Also, my pay increment will not be significant as I did not work a full year.