I use a simple model that gives an approximation. I compute the calendar year realised gains/losses, interest, dividends, non-salary income and divide by liquid net worth (investible capital that I can use to invest, thus excludes non-liquid capital, i.e. CPF, surrender value of insurance plans, etc).

It is an approximation and is more conservative as I don’t include unrealised capital gains from equity holdings. It is realised gains/losses and income that is received that goes in.

I’m not too bothered in being overly precise with my returns, the approximate figure gives me an idea of how well/poorly I am mangaging my own monies.

Be well and prosper.

My statement was meant to be satirical.

Temasek and GIC always talk about investing long term, but as their recent actions in selling off US banking stakes have shown, long term is relative. They can sell within 1 year and still maintain they have a long term strategy. But of course, they won’t say it’s a change in strategy but that the conditions changed e.g. Merrill Lynch became Bank of America (BOA) so Temasek was justified in selling within a year their BOA at big loss even though in the long term they should have held for recovery.

In reality, I use my daughter’s college fund as a investment planning horizon, i.e. to hold until she becomes 18 or 20 years of age. She is now 20 months old

Be well and prosper.
Panzer´s last blog ..Finatiq Cash Investment Account Interest Rates Decline to 0.125% p.a.

My returns are due mostly to luck rather than my own investment acumen. I don’t spend as much time as you do doing research into the financial reports and information for value investing.

I should dig up more of financial information and read them of my investments and I have no excuse since I am a CPA by training. hahhaha..

Be well and prosper.
Panzer´s last blog ..Finatiq Cash Investment Account Interest Rates Decline to 0.125% p.a.

Thanks & Merry Christmas!

Investing is never easy. Coupled with work stress, baby to take care of and other commitments, life can be challenging sometimes. As adults we have to strive the best we can, the worst thing to do is to give up and throw in the towel.

I see you’ve managed to achieve a very respectable return – keep it up and continue learning!

Cheers,
Musicwhiz