2021 Net Worth Goals 💰🤪 | StashAway, Stocks (IB & Moomoo), CPF & Property Investments |June Update

Подписаться 3,6 тыс.

Просмотров 47 тыс.

50% 1

I have decided to reveal my June 2021 net worth and hope that you can following along with my journey to achieve my 2021 financial goals. It's not going to be easy but let's see how far I can go.
Also, I'm glad that my sound is much better now. Just that I'm suffering from the heat because I can't on my fan while filming, you can see some droplets of sweat dripping down my forehead. lol.
As always, thanks for watching!
Watch our next video:
Roadmap that I'm using to build my wealth ➡️ • 8 Levels to Build Weal...
Why Property is NOT part of our investing strategy ➡️ • Why Property is NOT ou...
CONTENT
0:00 Intro
1:41 Things to note
2:08 Net Worth Categories
2:17 Liquid Assets (Cash, Stocks in OCBC Securities/IB/Moomoo, IFast, StashAway & Cryptocurrency)
3:28 StashAway
4:58 Retirement (CPF)
6:20 Property
9:25 2021 Financial Goals
MENTIONS
- How I Track My Finances And Net Worth | StashAway May 2021 Update: • How I Track My Finance...
- My Financial Regrets on Medium: medium.com/now-realise-this/t...
- Robo Advisors comparison (StashAway, Endowus, Syfe) seedly.sg/questions/mid-year-...
- AK's blog: singaporeanstocksinvestor.blo...
- 1M65: loo.guru/faq/
- June Musings (Scary vs Dangerous): medium.com/now-realise-this/j...
REFFERAL CODES:
- Moomoo: moomoo.com/en-sg/act/welcome?c...
- StashAway: Sign up with my link and we'll both get up to $10,000 SGD managed for free for 6 months. www.stashaway.sg/referrals/ta...
- Interactive Brokers: ibkr.com/referral/yingying165
Follow and subscribe to us on:
- Medium: / now-realise
- RU-vid: / @nowrealise
🎵TRACKS
봄이 오나봐요-Springtime
Lemon Cake
Present - Ikson
Dj Quads Gonna miss u
샛별(Daystar)-핫초코(Hot chocolate)
입술 LIPS by Artinb
Disclaimer: We are/I am not a financial professional or advisor. This video is a reflection of our/my investment journey. We're/I'm merely sharing my own point of view and learnings. Do not follow what we/I do, and always remember to conduct your own research and make smart decisions. If necessary, seek a licensed financial professional's advice to make the best financial decision that suits your own needs.

Опубликовано:

25 июл 2024

Ссылка:

Скачать:

Готовим ссылку...

Добавить в:

Мой плейлист

Посмотреть позже

Комментарии : 176

@euniceong614 3 года назад

Thank you so much for your transparency because it’s not easy. I was slacking off about my finances but after watching your video, I felt motivated to push myself again. Thank you

@NowRealise 3 года назад

Let’s work hard together!!

@raphaelkang2221 3 года назад

So glad I stumbled upon your channel! Thanks for sharing a broad overview of your net worth and breaking it down! Subscribed!

@NowRealise 3 года назад

😉

@emiliaherman2792 3 года назад

Thank you so much for being open about your finances. It makes me realize that how important is it to be money smart and how to let money work for you aside from earning the money from working. Look forward in your future videos! Cheers!!😍

@NowRealise 3 года назад

Thank you for the encouragement!

@siewkinchan 3 года назад

A very good example of proper wealth management. Very encouraging to young people. It shows earlier retirement is achievable.

@NowRealise 3 года назад

Watch our next video: Why Property is NOT part of our investing strategy ➡️ ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-C8_9m4VaCwc.html CONTENT 01:41 - Things to note 02:08 - Net Worth Categories 02:17 - Liquid Assets (Cash, Stocks in OCBC Securities/IB/Moomoo, IFast, StashAway & Cryptocurrency) 03:28 - StashAway 04:58 - Retirement (CPF) 06:20 - Property 09:25 - 2021 Financial Goals REFFERAL CODES: - Moomoo: j.moomoo.com/005C8Z - StashAway: Sign up with my link and we'll both get up to $10,000 SGD managed for free for 6 months. www.stashaway.sg/referrals/ta... - Interactive Brokers: ibkr.com/referral/yingying165

@GlenHoInvestingMadeSimple 3 года назад

Thanks for sharing openly with us! Appreciate it!

@NowRealise 3 года назад

Thank you for the encouragement! Keep up the great work too!!!

@steveyung8 3 года назад

You are doing very well in your 30's, saving habit early with almost $500K at your age!! When I was your age in Singapore, I saved only $80K, but in 1983 $80K was bigger money than now in 2021!! My saving habits since I was 27 in Singapore & returning to HK at 35, I became very rich by proper investments!! Now, you are doing the right thing, you may have 4 million sing dollars by 65!! SAVINGS & INVESTMENTS are very important!!! GOOD LUCK!!!

@NowRealise 3 года назад

Thank you for the encouragement!

@Notsosmartyetnotsostupid 3 года назад

Well done! Keep saving and grow your wealth.

@NowRealise 3 года назад

🥳

@MsCorydorus 3 года назад

Thanks for sharing. I like your plain and simple style.

@NowRealise 3 года назад

Thank you for watching! 🥳

@alaaanboi 3 года назад

Such eye opening video thankyou, i came from a facebook post that shared ur link XD

@NowRealise 3 года назад

Thanks for the feedback! We didn’t expect the video to resonate with many people.

@DonYang73 3 года назад

Slowly and surely. Its a journey. There comes a point when enough is enough but we usually ignore that point.

@RoadtoFIRE 3 года назад

You are rocking it!

@NowRealise 3 года назад

This means so much to me! I’m very inspired by your journey!! 💜💜

@inderawasi 3 года назад

Lucky I came across your video, I could learn so much from you.

@NowRealise 3 года назад

Thanks for the encouragement! We’ll try to make more helpful content soon!

@yjc5882 3 года назад

Thanks for sharing and keep moving forwards to ur goal

@NowRealise 3 года назад

Thank you for your encouragement!

@alashawn8 3 года назад

Really appreciate your transparency! Wondering how long you've been working?

@NowRealise 3 года назад

Hello! Started working about 8.5 years ago! I was lucky that I didn't have student debt as my parents helped me for my expenses till I started working. Though like a typical priviledge millennial, I started working with less than average salary + job hopped during my first couple of jobs. I've started to be financially 'woke' in 2016 (5 years back) when I met my current financial advisor.

@keanlimt.b.3880 3 года назад

Seriously I believe you are already better than many of the FAs or insurance agents out there. Many of them are merely selling their rep firms' products which may not necessary benefits their clients.

@NowRealise 3 года назад

Yes, somehow it’s how industry incentivise the agent that in order to earn more, the client needs to pay more.

@jinglescode 3 года назад

Wow!

@philipwong1676 3 года назад

Great content 👍

@NowRealise 3 года назад

🙌🏻🙌🏻🙌🏻

@carollim8667 3 года назад

Prouda ya (and BF)! You go gal!

@NowRealise 3 года назад

Thank you! 🥳

@nicholaslam9245 3 года назад

Thanks for sharing! You can consider adding background music to your videos 👍🏻

@NowRealise 3 года назад

Thanks for the tip! 😊

@cpchow6675 2 года назад

Great sharing! I wish I had a diversified portfolio and good networth like yours when I was your age. I started learning about managing personal finances and investments much later in life, but better late than never. Have you considered using SRS as part of your coffer for investments?

@NowRealise 2 года назад

Thanks for the lovely note. Not yet invested on SRS! We should look into it! Any resources that you’d recommend?

@kennethwong3857 3 года назад

Very nice!

@NowRealise 3 года назад

Thank you for your encouragement!

@ldo2457 3 года назад

Wow, thanks for the share. It's very helpful!

@NowRealise 3 года назад

😊

@companyinsight 3 года назад

Guess you're in your early 30s. Congratulations on the incredible savings and plan ahead. Is all currency in sgd or usd?

@NowRealise 3 года назад

It’s SGD!

@DividendDogo 3 года назад

It looks like you are off on a fantastic path!

@NowRealise 3 года назад

Thank you for the encouragement!

@KimKim-hh7jf 3 года назад

Good job

@nesadcruz7840 2 года назад

Did you buy the Malaysian unit for own stay or investment? Some Singaporeans chose to live in the MY property and commute daily but cant do that now. Perhaps you can do a video on your Malaysian Property investment journey

@shumesranna2787 2 года назад

Very nice well done 👍

@NowRealise 2 года назад

Thank you🌸

@naturalLin 3 года назад

I like how your portfolio and well balanced. Mine is all into crypto. And I have definitely been on the crazy rollercoaster rides!! I don't recommend other people to do what I do.

@NowRealise 3 года назад

Wow! I could never stomach the volatility. we wanted to increase our crypto exposure, trying to find cheaper alternatives to exchange crypto. We used to use binance with almost 0 fees. But now that there is a crackdown our previous method won’t work anymore. The fees to exchange crypto are still quite high. 1-2%.. for the existing platforms.

@ThatMidasTouch 3 года назад

Amazing! :) I am on the 1M65 journey too. Do you find that it is quite hard to keep track of the different financial platforms that you are using? Cos that is a problem that I am facing in my journey.

@ThatMidasTouch 3 года назад

PS: Loved the video as well. If you could segment your video, it would be even better. :D

@NowRealise 3 года назад

I feel that too! There are new platforms coming up every month and so many perks for new sign ups etc. So I’ll just sign up, try the platform for a while. Only if it makes sense to switch then I’ll do it. If not I’ll cancel the account. 😂 This is the same for credit cards too.

@davidchai3878 3 года назад

Sell your Malaysia property. It will only get cheaper over time, unlike Singapore. Always buy a property in Singapore so at least you have a roof in Singapore. Land prices will only increase over time.

@ftnkeek 2 года назад

love the video! may I know how much do you save a month to get there, and what kind of stocks do you hold? I do earn averagely but as a girl spending on fashion etc is hard to resist..any tips on that as well? thank you in advance!

@NowRealise 2 года назад

I wasn’t too diligently tracking my savings! But probably around 50-60%? For stocks, I tend not to share too much since I’m still not very good at identifying great companies. They are also impacted by the recent volatility. Mostly growth and tech stocks. Have you tried any tips before to try saving and cut expenditure? I think my method is quite similar to most. I also love spending on fashion and beauty too! I rarely shop in stores and mostly shop online. So what I did was to unfollow all fashion instagrams, unsubscribed all emailers (I usually can’t resist a sale), and also turning off notifications on apps (or delete them). Out of sight, out of mind. For me, most of my purchases are usually impulse purchase, so what I try to do is to put the item into a cart but don’t check out immediately. Maybe I’ll forgot about it the next day.

@ftnkeek 2 года назад

@@NowRealise that is helpful thank you🙏🏻 Yes I’m trying to do that, glad to know it’s the same for you😂 and heartening to know you still managed to save quite a bit!👍🏻 I’m 27 this year and hopefully when I’m near your age I can achieve the same! Looking forward to more videos 😃

@gsw5109 3 года назад

Wow, I am impressed, you are doing very well in your young age

@NowRealise 3 года назад

Still lots to learn and improve on. The earlier we can learn our mistakes, the less costly for us in the future. 😊

@ifjfgvjfidifijf 3 года назад

How old is she btw?

@gsw5109 3 года назад

@@ifjfgvjfidifijf if I remember correctly, she said she is in her early 30

@ifjfgvjfidifijf 3 года назад

@@gsw5109 thanks. That’s a great financial achievement on a 55k-70k annual income

@ttnews785 3 года назад

nice

@ioknoym 3 года назад

Geographical arbitrage is to go to low-cost countries, for example, Thailand. Japan is not the place to be. Those very cheap homes offered by the Japanese government are in rural areas and you need to restore/renovate the house. Yes, the gov helps with renovation loans subsidies, and all but you need to consider the language, convenience, and so on since you won't be in city areas. In general living, the cost is not cheap here. As a Singaporean working and living in Tokyo, monthly expenditure on basics is easily in 4k SGD plus.

@hummit 3 года назад

HDB is your ticket to your 1st pot of gold, which you can realise after staying for 5 years. Property prices can only go up when land prices, construction and labour costs are escalating. With the amount that you are spending on flat rental, you may be better off putting the money to your own HDB. Singapore is land scarce, property prices will continue to rise, and along with it unit rental. Would advise to own your own home, and invest the remaining cash. Bear market is looming. Profits have wings. You will have peace of mind if you own your own home.

@nesadcruz7840 2 года назад

I agree. Waiting too long may price you out of the market. Better to buy the hdb early or EC If you can afford it. Take advantage of the subsidy and make the pot of Gold.after 35 and 40, its going to be harder . Prices will be higher, you may have more commitments like kids and also less time to pay down. Moreover there is MOP of 5 years + 3 years construction time so abt 8 years from time you book. Just general advice to any young viewers. We invested in several units years ago, no regrets. Got to retire early in our 40s.

@jaslyntan2645 3 года назад

Thanks for sharing!!! My Stashaway returns haven't been looking that great too so I'm looking to move the funds to Endowus or Syfe.

@NowRealise 3 года назад

Thanks for sharing too! I hope the Seedly comparison table helps you decide on choosing which platform to move to. 😊

@ralphou 3 года назад

gd move!

@ralphou 3 года назад

@@NowRealise when did u started your SA? is tht 36% risk?

@NowRealise 3 года назад

I started last year with 30%. And now it’s 22%!

@ralphou 3 года назад

@@NowRealise too little eqty i supposed for that Sa, and even for sa 36% risk- too much gold, wrong move!!!!

@aliphonse 3 года назад

Your current net worth included your CPF, property, stock and cash? You indeed have a huge investment portfolio.

@NowRealise 3 года назад

We only know to put our money in savings(bank), investments and property. So not too sure where else can we put them into.

@dav3105834 3 года назад

Nice. We have similar networth. Im in my early 30s

@NowRealise 3 года назад

Nice! I’m turning 32 this month! 😂 - ying

@dav3105834 3 года назад

@@NowRealise haha im 32 also! This coming Nov

@DonYang73 3 года назад

According to many RU-vid ads, you can become rich easily. No money down, buy properties, collect rent, invest in stock markets , make 10x, join some masterclass, sell on amazon, etc etc etc….. 🤣😂😁😆😅

@MudbloodWizard 3 года назад

Hi, if you are parking your money in your CPF special account instead of your ordinary account, how are you going to pay for your BTO?

@NowRealise 3 года назад

Cash savings. For now we don’t have any property in sg. So we are parking some cash into our investments and living w our parents. Paying by cash also helps us to be more prudent in choosing a hdb that is below our means. If we don’t have enough cash means the house is not for us.

@personal9045 3 года назад

You did mention that you own some cryptocurrency but didn't mention the amount. I guess that's the most sensitive part of your finances. I think if you own enough bitcoin, your net worth should be way above $500,000 in no time. Options trading is an amazing way to trade, I do that with bitcoin. Which options market do you usually trade? Oh and just curious, how much of your net worth is tied to trading? I made this stupid mistake of putting 80% of my net worth into trading and when things went bad I lose a ton of it. But you kind of still needs to have enough skin in your trade if you want to live off your trading gains. Anyway thanks for sharing your perspective on money and finance.

@dreampropertybyjosielee5738 3 года назад

loved your video! can i know how old are you now? could be a goal for me to reach where you are at that age :)

@NowRealise 3 года назад

I’m 32 and Jingles is 33! 😊 Glad tt u are taking small steps!

@hellojaszy 3 года назад

👍🏻

@NowRealise 3 года назад

😊

@xeenslayer 3 года назад

I’m not sure if I missed it in the video but how old are you?

@NowRealise 3 года назад

32!

@engrace28 2 года назад

i deposited 13k in May, now my total returns is -800+. should i keep the funds inside in your opinion?

@NowRealise 2 года назад

I'm assuming it's StashAway because I just checked my account and it's not doing well :( For me, my plan is to just leave it and I've started on my journey with other robo advisors (Endowus). Also, right now there's alot of uncertainty in the market. Perhaps wait till end year before deciding?

@zKayFish 3 года назад

Do u think it's a pain in the ass to manage so many different platform and keeping in track?

@NowRealise 3 года назад

Yes hahaha! But I’m always on the lookout for better platforms. And closing those that I have tried and don’t fit my needs or don’t perform. 😂

@kangjingtan7312 3 года назад

Just wondering, why would u transfer money from CPF OA to SA ? It’s irreversible & will make it really hard to buy a private property in Sg.

@NowRealise 3 года назад

We wanted take advantage of the additional interest. And to have a prudent housing budget. Property is not really our investment strategy, we are thinking to just rely on cpf + investments.

@kangjingtan7312 3 года назад

Why is property not part of your investment ? Do you think it’s better to own a house or rent ?

@eatdrinkrunwalk 3 года назад

@@kangjingtan7312 really depends... similarly, I also transferred all my OA to my SA..and I did it only recently as I didn't know about it. If you have no intention to use CPF to buy house, go ahead and put it in SA for the higher interest rate. Use your savings to buy house if u can afford as the interest earned is way lower. Buying house is not a guaranteed asset that will appreciate like before, so sometimes it is better to just rent and live a minimalist lifestyle. For me, I rent the smallest apartment (studio) to minimise my expenses, the rest for investment. I am now retired before 45....

@NowRealise 3 года назад

We value freedom and not be stressed over loan liability! We don’t want to be stuck in a job just to pay the bills. 😂 That said we think that it’s better to own a house if you are planning to stay in a place for more than 10 years. But it’s just to live, not to invest. The mindset of buying a house to live and investment is very different. If we need to dip into our cpf or wipe out a huge part of our income or savings to pay our house, then I think it’s out of our budget already. Because this means that we cannot be out of job, take a break from work else we cannot pay for our house. And also, we are taking our retirement money (CPF is originally designed for retirement) for our property which may or may not appreciate in the future. We don’t want to work for our house, but rather, work towards ‘retirement’. This is our thoughts for now, but it may change in the future as we learn more. Hope this make sense.

@chinminghao9192 3 года назад

Can I ask what is your monthly income roughly to achieve such savings?

@NowRealise 3 года назад

I think I’m average median income for my age. Around 55-70k per year from my full time job. I’m trying to grow other income sources!

@jooopdeur1759 3 года назад

great content! may i ask how old are you? thats a very impressive networth

@NowRealise 3 года назад

32 this year! Still long way to go.

@jooopdeur1759 3 года назад

@@NowRealise thats awesome! half way to a millionaire. Im 3 years older and networth is much lesser :P hoping to learn from you and grow money

@NowRealise 3 года назад

Will try our best!

@lishr4536 3 года назад

will you be able to share who your financial advisor is? :)

@NowRealise 3 года назад

Could you email us at nowrealise@gmail.com? We’ll share you the contact!

@gamhaotin8503 3 года назад

can you share your IB/Moomoo investment returns?

@NowRealise 3 года назад

Will consider in due time! Once we have invested overtime. :)

@junteck149 3 года назад

The article link is broken!

@NowRealise 3 года назад

Thanks for letting us know! I've checked the links they are all working. Can i know which link you are referring to?

@junteck149 3 года назад

Able to access already! Thanks alot(:

@bill7580 3 года назад

Very bad idea to have a property in Malaysia without one in Singapore. Sell off the one in Malaysia and buy a HDB unit in Singapore

@NowRealise 3 года назад

Yes in hindsight. It was almost 3 years back, didn’t think too much then… 😅

@weiqiang87 3 года назад

Can considering transferring it to a family member if unable to sell now..

@funwithrandom360 2 года назад

Msia property is just a bad idea, period. With or without a SG property!

@williamhayden2492 3 года назад

The lesson mean we should consider to work in SG

@NowRealise 3 года назад

Singapore is a nice place to live and work!

@liyf15 3 года назад

If you want money, Singapore is great

@williamhayden2492 3 года назад

@@NowRealise mmm~ maybe can make video to teach us how to find jobs in SG

@NowRealise 3 года назад

Money and safety (from crimes and natural disasters)! Haha

@NowRealise 3 года назад

Good idea!!

@wongjeremyyuen2226 3 года назад

How much are you getting paid a month?

@NowRealise 3 года назад

We might address it in the future video! For now it’s v close to the recent survey done by answers.sg. answers.sg/salary-survey/

@chinchowpowpook 2 года назад

Despite Knowing #HDB applying bto one of the condition is you not allowed to owned any other property locally and overseas you still proceed to apply for the ballot numbers u really bold to touch Our GOV

@NowRealise 2 года назад

We’ve declared my overseas property during our application and got a number to pick a HDB (was 200 out of 400 units). We didn’t know that it would impact our chances to get a home in sg. The overseas property was bought before we met and decide to settle down. Maybe it’s not a wise choice since it does set our plans back later to setting up a family and getting a home to live in SG.

@DonYang73 3 года назад

You dont know how well you can truly cope until you have been whacked hard once or twice by the market.

@NowRealise 3 года назад

That’s right! It’s better to learn while we are young and have time to make smaller mistakes.

@alphatraderx 3 года назад

Nice breakdown. My portfolio is 90% crypto. Can’t see myself holding too much fiat.

@NowRealise 3 года назад

Wow! 90% is such a huge holding. Wondering are you based in sg? And which platform do you use to exchange to crypto?

@ifjfgvjfidifijf 3 года назад

This is stupid. Don’t be this guy

@alphatraderx 3 года назад

@@ifjfgvjfidifijf revisit this comment of yours in 5 years. What a classy remark.

@alphatraderx 3 года назад

@@NowRealise I'm based in Dubai and I use mainly Ascendex and Gemini. Stayed away from Binance for quite some time now.

@ifjfgvjfidifijf 3 года назад

@@alphatraderx putting 90% net worth in ANY thing is stupid. Putting any amount of money in scams like cryptos is dumb. And you did both, so…

@Elcapitano00001 2 года назад

How old are you to have such net worth rn?

@NowRealise 2 года назад

Early 30s! My networth is now lesser due to the war 🥲

@kingdavidtaidawei 3 года назад

Hey are you Malaysian Or Singaporean?

@NowRealise 3 года назад

Singaporean!

@garlicbread68 3 года назад

Do not do 1m65 if u are going to be a high earner , which you seem to be.

@NowRealise 3 года назад

Is there any reason why? We’ll be happy to explore other ways to optimise our savings.

@leonard221 3 года назад

Turn off auto focus...

@ejanimation101 2 года назад

how old are you ?

@NowRealise 2 года назад

32!

@DonYang73 3 года назад

Your Malaysian property could just be your worst move…..unless you are Malaysian

@NowRealise 3 года назад

Why worst move?????

@DonYang73 3 года назад

By now you should already hv realised that rental is tough and a pain not to mention unrewarding. Price appreciation is low or none at all. Lastly Ringgit isnt quite the best currency you want to make. Good luck