Net Worth Update June 2026 | SGD 2.24m Record High!

June 2026 brought a full-blown geopolitical thriller. The month kicked off with the markets teetering on a knife-edge. The fragile "peace dividend" we celebrated a couple of months back evaporated as the US launched targeted strikes on Iranian sites. Oil threat-level indicators started flashing red again, stagflation talk dominated the airwaves, and a brutal two-day tech selloff left investors sweating. To anchor the drama, public markets were also coping with a massive liquidity vacuum as capital scrambled into the historic $75 billion SpaceX IPO while the World Cup has commenced.

And then? History repeated itself. Just as the VIX spiked and panic began to set in, fresh headlines dropped of a potential breakthrough framework agreement with Iran. Oil plunged back to a two-month low, the AI chip trade recaptured its mojo ahead of the listings, and the bears were left empty-handed once again.

Through all the noises, my net worth quietly creeps to a new record high of SGD 2.24m in June 2026, a jump of ~$40k or 1.8% from last month. A milestone worth marking.

The Engine This Month:

The Mighty AI Chip Rebound: After a nerve-wracking mid-month slide, my US tech compounders (AMZN, MSFT, NVDA) staged a furious late-month comeback. The mega-cap tech thesis wasn’t broken; it was just taking a breather and absorbing a massive macro-reset before riding the wave of renewed semiconductor and memory optimism.

Resilient Yield Shields: While the European Central Bank hiked rates and kept global fixed-income markets on guard, S-REITs acted as a steady ballast. They didn't rocket, but they didn't crumble either, providing that essential defensive floor when US tech was playing ping-pong with geopolitical headlines.

The Automated Infantry: And of course, the unsung heroes—steady salary savings and CPF contributions—quietly marched forward. When the market is a circus of military strikes and multi-trillion-dollar IPOs, there is profound beauty in the mechanical, unglamorous cash flow hitting the accounts exactly on schedule.

We are officially halfway through 2026. The lesson of the last three months is crystal clear: the world will always find something to panic about, but the best move is to stay the course, stay invested, and let the compounding do the heavy lifting.

My net worth breakdown is as follows:

Safe Havens (57%)

CPF (33%): Bedrock of my retirement savings, compounding quietly at guaranteed rates like a low hanging fruit tree.

Cash and war chest (16%): Liquid reserves in fixed deposits and Fullerton cash funds earning around 1% p.a. — boring by design, reassuring by function. Dry powder ready for future opportunities.

Bonds (8%): Singapore Savings Bonds and Astrea PE Bonds continue to anchor the portfolio. Steady, predictable, uneventful providing a peace of mind.

Retirement Savings and Protection (17%)

SRS (13%): Tax-deferred savings engine, diversified across SSBs, local stocks, Amundi Prime USA fund and money market fund. Completed the $15.3k annual contribution limit mainly using free cash flow from dividends collected. How nice to have the likes of DBS, UOB, Capitaland, Mapletree and Fraser Reits fund my retirement?

Insurance (4%): Prudential whole life and savings plans on track for a 6-digit payout post-retirement. Protection that costs money today for future peace of mind.

Equities (26%)

Stocks and REITs (26%): S-REITs remained sluggish and stagnant as fears of prolonged high rates resurfaced. This is the asset class that is most sensitive to interest rate news and requires the most nerve to hold through volatility, and the one that rewards you most when you don't flinch.

US growth tech corrected healthily — AMZN, MSFT and NVDA all retraced as the macro noises echoed. Cash-secured put options continue to generate premiums, either banking income or acquiring positions at a discount. The strategy remains unchanged: disciplined, systematic, unemotional.

Conclusion

SGD 2.24m. A new peak, but actually the numbers matter less every day.

When you have already crossed the FIRE finish line, milestones stop being a target and start being validation. They are proof that the system works, that the years of aggressive saving, patient investing, and tuning out the media panic were entirely worth it.

Net worth at this stage isn't a scorecard but an absolute sovereignty. It’s the reality of waking up on a Monday morning knowing I head to work late for fun because I want to. I am not building the wall of independence anymore; I am living inside it.

Every dividend, option premium, and cash flow hitting the account is not a vote for a future freedom. It is the fuel for my current freedom. It provides the calm clarity that no market correction, no political plot twist, and no macroeconomic noise has the power to change how I live my life.

Financial freedom is no longer a destination I am running toward; it is the ground I stand on today. 

If an ordinary corporate worker in Singapore can achieve FIRE, so can you.

Disclaimer: This article is for informational purposes only and does not constitute financial advice. It's crucial to conduct your own research or consult with a qualified financial advisor before making any investment decisions.

Thanks for reading.

With love & peace,

Qiongster