[Source: Flickr image "Language of the Birds San Francisco" by davidyuweb.]
Today is the first of October 2012 and we are officially in the final quarter of calendar year 2012 or third quarter of financial year 2012 (starting 1 April to 31 March of following year).
Assuming no major change to my portfolio, I am on track to end calendar year 2012 with a 3.90% realised returns. This just kept up with the 3.9% consumer price index in August 2012 [Source: Singstat] which means my portfolio achieved what reservists or NSmen affectionately call, “hentak-kaki” or marching on the spot.
But even as my portfolio is barely keeping up with inflation, we need to keep our minds up to date with learning new things all the time.
Growing Your Net Worth
As I travel along this journey towards financial freedom, I realise it becomes more challenging to grow my net worth through investing. The main driver of my net worth is still
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