Dear Readers,

Thank you for coming here.

It is end of Apr, well beginning of May~. Actually, I updated my Net-Worth tracking sheet on 28th Apr. However, due to the tight schedule of the project I am currently on, I am only writing this post today. Apologies for the delay!
So lets get started. Again, below numbers are as of Apr 28th.

Net-Worth increase from last month: 21K SGD

The increase is due to stock market rebound in Apr and my wife’s salary.

Compared to the drop (-56K) last month, we are still on our way to recovery.

Investment: -0.78% annualized return, incl. dividend 

Compared to last month (-3.76%), it is an improvement.

I emptied 2/3 of my limited war chest quickly during the beginning of the downturn, far from the bottom. I became very cautious about the remaining war chest. So when the bottom actually came, I was thinking maybe it would drop further. So

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