Many things happened in the investment world in the last 3 months. I am just glad that my dividend yield target stays on track to deliver 5% return by end 2018 and my net “worth” has managed to hold on. I started tracking my net worth quarterly since Q4 last year because I came to believe that this is the main indicator to show how near I am getting towards financial freedom.

You can find many different definitions of net worth in the internet. I define net worth as “My liquid Assets minus My liabilities”. My liquid assets include all cash deposits, SSB, SRS funds and “marked-to-market” value of my investments, i.e. everything that I can convert to cash in a short time. My liabilities are all my loans – car, credit cards, personal and housing.

By this definition, I am already grateful to have a positive net worth. However, in …