Portfolio Updates

Family Portfolio Touched S$600K – Lifted By The Rising Tide

Calvin Lo

After just 3.5 months since the Family Portfolio cracked S$500K (see post here), the portfolio has now touched S$600K but has pulled back slightly below the past few days. The speed this market is shooting higher since the recent bottom in April 2025 has really caught me by surprise. Since breaking all-time highs in June, this market just keeps pushing higher and higher despite analysts saying the market is overheated and due for a pullback.

I’ve trimmed some positions to rebalance the portfolio to buffer up cash as the market moved higher, especially tech stocks that have run up fast and furious.

The dip in April allowed us to pump cash into the portfolio to build up equity, which resulted in explosive growth in tandem with the swift market recovery. I do this in a systematic and repeatable way, raising cash as markets go up and deploying cash when markets go down. Seems to be working like a charm for now, so I’ll stick to it.

Here are the $100K (SGD) milestones and how long it took to achieve them:

  • $0 to $100K – 52 months
  • $100K to $200K – 27 months
  • $200K to $300K – 12 months
  • $300K to $400K – 8 months
  • $400K to $500K – 7 months
  • $500K to $600K – 3.5 months

As you can see, each successive $100K takes less and less time because of the bigger base value. The magic of compounding at work. Of course, the next $100K is contingent on whether markets continue to power higher. If markets crash, that would definitely delay the next $100K milestone like what happened back in 2022. But if you have a long time horizon, just stay disciplined and ride it out until the updraft eventually arrives.

Hope this sharing motivates you to stick to your plan and if you’ve not started investing, this might be a good time to start slow. Markets at all-time highs might feel expensive and you might want to hold back but I would encourage you to dip your toes no matter what the market is doing. Start your snowball early and prudently, and you will see the results along the way.

Happy investing!

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Disclaimer: This is not financial advice. I am not professional financial advisor nor do I work in the finance industry. Anything I write here is purely my personal opinion. Please do your own research and due diligence before investing into anything. All investments come with associated risks. Best to consult a financial advisor if you’re still unsure.

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4 thoughts on “Family Portfolio Touched S$600K – Lifted By The Rising Tide”

      1. hmmmm.. if you are including capital injections, then conceptually, you can hit 100k increase in 1 day if you injected 100k into the portfolio. ..and i am not sure i will consider that a milestone especially when you are balancing the portfolio ie selling some stocks this month, then buying some others later few months…

        Maybe have a think about it and see if it will be better to exclude the capital injections to show each 100k but state the size of the total portfolio at each tranche and the XIRR todate.
        something like Profit 0- 100k > 52 month > Ending portfolio size xxx. > XIRR todate is X%

        The purpose is to evaluate if your stocks selection is getting better cos your XIRR is improving or are you in a accumulation stage of your portfolio eg injection of several rounds of capital but XIRR stable/flatish or downtrend because key concentrations in your portfolio are flatish but you view it is ok because you view there is LT picture that you are envisioning for the stock selection and at times it take some time for the market to respond

        finally, if you link that to a index performance, then you practically can evaluate if ETF are way forward or stocks.

        Good information and all the best .

        And this is roughly the size when things start to get interesting.. cos a 2-4% daily move can be the size of household income, 10-20% movement in 1 month the size of all combined bonus and 1 qtr can be the whole year income.

        From here , it will be a routine of balancing portfolios allocations and concentrations across the different market cycles

        1. Thanks for the suggestions. Yes my current method of tracking disregards performance and purely takes a value snapshot everyday.

          I did try to track capital injections but it got too tedious since I’m adding every month except lump sum once a year from bonus.

          I like your suggestion on XIRR though, thanks. I might try that for my personal portfolio that I only contribute in lump sum when I have extra cash on hand, and I’m more active in stock picking there.

          For this family portfolio, I’m using mostly index funds and not so focused on performance just following the market mostly so I probably won’t put in the extra effort to track additional stuff unless I can see the benefit of doing so. I do track performance on a high level vs S&P 500 (adjusting for buys/sales) but that’s about it.

          Yes, as the portfolio gets bigger I do worry more about drawdowns and tend to accumulate more cash. So far that has been my method of risk management.

          I’m interested to know more about your portfolio as well and how you track if you’re willing to share.

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