Net Worth Update July 2026 | SGD 2.31m Record High!

 

July 2026 was, by any measure, a month of quiet vindication.

The World Cup fever that gripped the globe provided the backdrop but unlike the geopolitical theatre of June, the financial markets this month were less soap opera and more steady grind. No shock headlines. No panic selloffs. Just capital doing what capital does when the fog lifts: finding its way into quality assets.

The story of July belonged to Singapore's banking giants. DBS, OCBC and UOB surged on the back of resilient net interest margins, robust loan growth, and a market finally accepting that Singapore's financial sector is not just defensive — it is a genuine compounder. For SGX income portfolio holders, this was a month where loyalty was rewarded handsomely.

Across the Pacific, US tech remained volatile — earnings season kept traders on their toes — but the trend line pointed firmly upward. AMZN, MSFT and NVDA held their ground and then some, with AI infrastructure spending narratives refusing to be derailed by the occasional macro wobble. Cash-secured puts continued to do their quiet work: premium income collected, positions built methodically, no drama.

My net worth climbs to a new record high of SGD 2.31m, a jump of ~$70k or 3% from last month.

The engine this month was a genuine team effort — SG banks pulling hard from the SGX side, US tech compounders holding firm, and the ever-reliable salary savings and CPF contributions keeping the base solid. Just a well-constructed portfolio doing exactly what it was built to do.

My net worth breakdown is as follows:

Safe Havens (56%)

CPF (32%): 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. Opportunity capital, patiently waiting.

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 (18%)

SRS (14%): Diversified across SSB, local stocks, Amundi Prime USA fund and Fullerton money market funds. The tax deferral keeps compounding in the shadows.

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%): SG banks led the charge on the SGX side, a reminder that boring, dividend-paying local banks can deliver real capital appreciation when the macro aligns. S-REITs provided steady income support. On the US side, the growth tech portfolio continued its measured climb. The barbell structure with SGX income on one end, US growth on the other, is working exactly as designed.

Conclusion

SGD 2.31m. Another record. But the number is just a scoreboard. What it represents is something more durable: the compounding of decisions made consistently, without panic, without greed, without the need to chase every shiny headline.

The World Cup reminded us this month that even the most dramatic tournaments have a quiet, inevitable logic to them. The best-prepared teams, playing disciplined football with great defences, tend to win in the end. Investing is no different.

Stay the course. Let the portfolio breathe. Trust the process.

Financial independence is not a sprint. It culminates years of showing up, contributing, reinvesting, and resisting the urge to do something clever when doing nothing is the right answer. Every month the number moves up is a month the future gets a little more secure, a little more yours.

If an ordinary folk in Singapore can get here, 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