BTM Year 2022 Year-End Review
It’s been a ride for 2022, especially the 2nd half. Stocks have tumbled, Celsius and FTX collapsed, sold my car (Yups~). Much have happened and if you’re in the same boat, well, I feel you too.
But let’s take a look at how we actually did in terms of numbers, shall we?
Side note: The Financial Position template used to produce this post is free to download via my template page here.
Net Worth Tracker
Net worth is measured by taking total assets (e.g. properties, stocks, cash, etc) minus total liabilities (debts e.g. mortgage, car loans, credit cards amount owing, etc).
Over the last 6 months since mid-2022, my net worth increased by close to 30%.
Asset analysis
The distribution of net assets are as follows:
Few things to highlight:
- Properties – The value is still (very) negative as of now (market value – mortgage outstanding), but I kept it as 0 for the distribution analysis (pie chart cannot take in negative value) [Folks read this if you are going to invest in property]
- EPF – This is removed from the analysis as it represents over 50% of my total net worth and will skew the analysis
High Risk
Total Weightage: 68%
Equities (45%): With the drop in market… ALL IN! Weightage increased by 4% over 6 months.
Private Retirement Scheme (PRS – 13%): Continuous monthly DCA into this and the fund value is holding out quite well.
Mutual Funds – Equities (1%): Dropped by 1% as expected because I did not contribute more funds into this.
Crowdfunding (1%): Started with P2P investing on selected platforms and notes. Doing quite well with overall 6% returns over 6 months.
Stashaway 30% (3%): Weightage sustained by the DCA albeit with a slight drop in value.
MyTheo (3%): The portfolio value climbed back up recently but still not as well as it did before.
Cryptocurrencies (2%): Dropped from 4% to 2% as I write off my investment that is kept in Celsius and FTX. Helps that the weightage ain’t high. I still feel the pain, but it’s bearable…
Low Risk
Total weightage: 13%
Amanah Saham Nasional Berhad – ASNB (6%): Continues to pay its stable dividends. Have not added any more during this period. [Check out my article on ASNB’s fixed price fund investment]
Mutual Funds – Bonds (3%): Value dropped slightly, but no addition into this portfolio.
Stashaway 10% (4%): Continued with DCA, hence weightage increased to be higher than mutual fund (bonds).
Others
Total weightage: 19%
Vehicles (0%): I have a confession to make… I sold my car! And the cash is being kept in savings currently as I wait for my new ride. #exciting
Cash at bank (19%): Big increase due to sale of car, but will be dropping in the next few months as I pay the downpayment for my new ride.
Asset Class Growth
All in all
That’s it!
Few ups and downs throughout the year, but I’m glad I ended up at a higher note. Generally investments have been slightly down over this 6 month period, but is buffered by the active income generation.
Ready to take on 2023! How about you?
