My Personal Finance Journey

Personal finance observation, musing and decisions in a journey toward financial independence by 2020 with at least $3 million.


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Monthly Update - October 2014 ($1,855,696, +$18,816)

Contributed by mm | November 11, 2014 5:15 AM PST

Our net worth continued its steady growth in the month of October. The monthly gain of $18,800 propelled our year-to-date asset growth to almost $200K, handily beating our net worth improvement of $172K in the first 10 months of 2013.

Our household balance sheet, along with monthly, year-to-date, and trailing 12 months comparison, are shown below:

6451-networth.jpg

Our investment in the China market, with a $19K monthly gain, single-handedly delivered our entire monthly asset growth. We benefitted from our timely concentration in insurance and stock brokerage stocks, and our sizable exposure in P2P loans continued to generate stable dividends. So far this year, our CNY-based portfolio has appreciated $80K.

Our US-based portfolio, however, retreated $3K, partially due to some stock sales in mid-October during worsening market conditions. Our USD-based portfolio only gained $25K in the past 10 months, though.

Also in October, we paid $5K for our Christmas vacation, which brought down our savings from employment income to a negative $2K.

Lastly, CNY gained a notch against USD in terms of foreign exchange rate, and resulted in a $4K paper gain in our USD-based net worth tally.

With only two months to go, we are quite confident that we will end 2014 in a high note. We also expect to slightly adjust our home price upwards to partially reflect another year of real estate appreciation.

In this month, we also started the budgeting process for 2015. We expect we will likely save $70K from our job income while generate $130K from our investment portfolio. If we can realize both, then we will be breaching the $2M milestone within a year's time.

This Post Has Received 76 Comments. Share Your Opinions Too.


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