Net Worth Update (October 2019) – S$218,650


Written by Liz

Just your regular 27-year-old, queer, super-introverted, FIRE-chasing, frugal Singaporean, who lives a pretty good life while earning only a modest salary, but still plans to retire at age 40 with $1,000,000. Click here to read more

January 18, 2020

Hi! Welcome back to another month-end net worth update.

A few things to note before we delve into the net worth update:

  • I’m from Singapore. Therefore, I will be tracking my net worth in Singapore Dollars. In short, “S$”.
  • However, for the benefit of readers who are more familiar with the currency of US Dollars, I’ve also included a simple conversion from S$ to US$ at certain parts of my net worth update.
  • At the time of writing this post, the exchange rate of Singapore Dollars to US Dollars is S$1 to US$0.736. Conversely, US$1 is equal to S$1.36.

Let’s start off with an overview of my entire net worth.




Once again, I invested in the stock market whenever it appeared to come down. This resulted in my cash balance decreasing even with regular paychecks.

If you’re looking for more details of my net worth, here they are. 🙂


Brokerage Accounts

Singapore Portfolio

Bond Index ETF – S$43,494
Stock Index ETF – S$83,738
Individual Shares – S$8,570
Total – S$135,802 (US$99,950)


United States Portfolio

Stock Index ETF – US$6,327
Individual Shares – US$3,566
Total – S$13,454 (US$9,893)


Cash in Bank Accounts

Brokerage Account 1 – S$1,029
Brokerage Account 2 – S$425
Bank Account 1 – S$24,203
Bank Account 2 – S$506
Cash on Hand – S$2,012
Total – S$28,175 (US$20,737)


Retirement Accounts

Retirement Account 1 – S$25,728
Retirement Account 2 – S$6,984
Retirement Account 3 – S$8,507
Total – S$41,219 (US$30,337)


And that’s it!

I hope to improve on these net worth updates over the months, in content and in form. Hope you stick around for that 🙂

Thanks for reading!



Become a Millionaire and Retire Early on a Modest Salary Book Cover

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