Monthly Net-Worth Update — Dec 2021

2 min readDec 25, 2021


Photo by Visual Stories || Micheile on Unsplash

We are officially ending 2021.

And this will be the last update for 2021.

Our net-worth increased, but investment hit a new low. As a result, our net-worth increased less than 2020 during most of which I was not even working.

Ok. I have now witnessed the power of Capital from my own experience…

Photo by Visual Stories || Micheile on Unsplash

Below is the usual summary.

Net-Worth increase from last month: 42K SGD, 0.94KG Gold

The increase was due to “non-routine” income:

  • My salary from last month + some encashment
  • My wife’s bonus
  • My freelancer pay

Luckily, the income was sufficient to off-set the drop in my portfolio, to at least end the year with a “positive” note.

The avg monthly increment of Net-Worth for 2021 is 13.6k SGD.

This is not only far from my 40/40 goal, but also lower than 2020, thanks to the huge loss of my portfolio.

Photo by Mathieu Stern on Unsplash

Investment: -9.31% annualized return, incl. dividend

My portfolio hit a new low this month in the absolute value. And the annualized return rate was almost reaching the lowest point as well…

The loss pretty much eliminated my income from hard work for this whole year.

So be careful with stocks.




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