Starting this year, I occasionally blogged about my net worth. I calculated it based on (Total Assets – Total Liabilities). However, in defining “net worth”, I have left out the “bulky” and iliquid assets/liabilities like property and car. The reasons being it is difficult to translate them into cash immediately when needed, it is also challenging to assess its market value and as I called them – are bulky and can easy slew the analysis.

Following an analysis yesterday, I realised that my net worth has experienced a roller coaster ride very much like the local stock market through the last few months. And one new development from my analysis is the concern that I may be overly invested. If the local stock market really tanks, my net worth will decline significantly and I will really be in deep deep trouble. And this trouble will double or triple if you