Cory Diary : Net Worth update

Quick check, 4 months since i last updated. Quite an amount of the equity investment recovered. Some of the major expenses are also captured. More to come ... . I thought is a good time to take a good look at where am I on Net Worth specifically since I have retired. In absolute -1.3% YTD. Which is still ok considering the On-going Tariff War. It can be much worst. The strategy to remain focus on dividend returns play a key mental support role I guess. 

Re-balancing

So the good news is from the recent tariff sell down, there is not much worry from my side. I still do sizeable manevour to mitigate and taking opportunity on equity side. As you can see from the chart, a dip and a rebound. On the US market side exposure, peanut butter strategy seems to work well for me and changes are in that direction. Effort wise is minimal.

One point to add is that recent sell-down by Mr Market helps to futher increase my annual dividend return without much new fund allocation. I do this by re-allocation of equity and some funds buying lows from investment accounts. I realised investors for some reason will just keep selling down stocks even when the fundamental of the companies are strong. They could be on margin call, leverage fear, or maybe insitutional actions. God Knows ! Ofcourse we need to have standby Warchest or additional funds to take advantage of it. 

Expenses

Few critical expenses like child private school fee and tax allocation especially are considered. I have also decided to remain about 4 years of family expenses in low yield returns. There is plan to increase my rental income. This is still in work-in-progress. If successful, would help to cover my annual family expenses firmly. Other new expenses are two new term insurance which i feel needed. This is mitigated by paying slightly higher on monthly basis.

Format

For future reporting, I am considering to simplify the Net Worth Chart as I realised stacking line chart seems not as intuitive. I need to find time away from my growing personal allocation to gardening .... . My latest assignment ... or hobby.

Cory Diary

2025-0503

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Disclaimer: The articles presented in this blog reflect personal opinions and are intended for informational and sharing purposes only. Not responsible of errors. Readers are advised to seek professional guidance when making financial decisions and should take full responsibility for their choices.