Happy new year 2026! As usual, the start of the year is a great time to review the last. Since this is a family finance blog, I will review our investment portfolio, net worth, and share other relevant updates.
Investment Portfolio
Our family portfolio value increased by around S$160k or ~42% from S$380k to S$540k, with slightly more than half from cash injections and slightly less than half from investment returns. Excluding cash contributions, portfolio returns was ~18% which is somewhere in between S&P 500 return of 16% and Nasdaq return of 19%.
For this portfolio, I’m pretty happy with returns keeping up closely with Nasdaq, despite being heavy in global and US broad ETFs. Over the past few years, I’ve whittled down the number of individual stocks to now just 7 besides the ETFs. In the long-term, I’m trying to minimise the number of holdings in this portfolio to
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