Net Worth JAN 2026

Chart updated to end of JAN in sidebar.

Stocks/cash increased +$4,818 (+1.00%) to $487,760.

Retirement savings (SMSF etc.) increased by +$5,121(+0.22%) to $2,305,318. No contributions made this month..

Est. valuation of our home (my half) increased by +$27,725 (+2.23%) to $1,272,236. The estimated value of the 'Other real estate' (my 'lake house' and the investment apartment) increased by +$41,282 (+1.93%) to $2,177,770. Nice to see apartment prices in the suburb where my investment unit is located have finally started to show some positive movement.

Other assets (my online depository bullion account at Perth Mint, and the bullion value of my gold and silver proof coin collection) increased by +$12,738 (+14.88%) to $98,362. I am currently still adding $200 worth of gold to my Perth Mint online depository account each month.

Overall, NW increased by +$91,684 (+1.74%) to $5,349,455 during Jan. NW needs to increase by about 0.2% per month on average to keep pace with inflation (I.e. maintain real value), so the increase during January was about +1.5% in real value.

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Net Worth DEC 2025

Chart updated to end of DEC in sidebar.

Stocks/cash decreased -$4,121 (-0.85%) to $482,942.

Retirement savings (SMSF etc.) increased by +$4,854+0.21%) to $2,300,197. As I am currently unemployed/retired and the 'guaranteed cashback' value of my QSuper pension accounts decreases regularly due to monthly pension payments. There was one small additional employer contribution adding to the balance, that was in relation to part of my redundancy payout in July. Most of the increase was due to a slight rise in the unit value of our SMSF Vanguard Fund investments during the month.

Est. valuation of our home (my half) decreased slightly by -$3,109 (-0.25%) to $1,244,511. The estimated value of the 'Other real estate' (my 'lake house' and the investment apartment) decreased by -$17,759 (-0.82%) to $2,136,488, more than offsetting last month's rise in estimated valuations.

Other assets (my online depository bullion account at Perth Mint, and the bullion value of my gold and silver proof coin collection) increased by $2,029 (+2.43%) to $85,624. I am currently still adding $200 worth of gold to my Perth Mint online depository account each month, and DS1 gave me a 1oz silver 'wombat' coin for Christmas ;)

Overall, NW decreased by -$18,106 (-0.34%) to $5,257,771 during Dec. NW needs to increase by about 0.2% per month on average to keep pace with inflation (I.e. maintain real value), so the decline during December was about 0.5% in real value.

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Net Worth NOV 2025

Chart updated to end of NOV in sidebar.

Stocks/cash decreased -$11,265 (-2.30%) to $487,063.

Retirement savings (SMSF etc.) decreased by -$20,392 (-0.88%) to $2,295,343.As I am currently unemployed/retired there are no contributions adding to the balance, so this decrease was due to both market losses and the small monthly decline in the 'guaranteed cashback' value of my QSuper pension accounts (due to monthly pension payments).

Est. valuation of our home (my half) increased by $9,069 (+0.73%) to $1,247,620. The estimated value of the 'Other real estate' (my 'lake house' and the investment apartment) increased by $11,077 (+0.52%) to $2,154,247.

Other assets (my online depository bullion account at Perth Mint, and the bullion value of my gold and silver proof coin collection) increased by $5,315 (+6.79%) to $83,595. I am currently still adding $200 worth of gold to my Perth Mint online depository account each month.

Overall, NW decreased by -$6,396 (-0.12%) to $5,275,877 during Nov. It needs to increase by about 0.2% per month on average to keep pace with inflation (I.e. maintain real value).

My rental apartment has been leased with a new tenant for the next 12 month, and the rent increase compared to the previous tenants (who wanted to keep the rent unchanged for the second year in a row) is enough to offset the three week vacancy period during the first 6 months of the lease, so it worked out OK. Still not sure what I will do in the long term, as having a negatively geared investment property doesn't make sense if I don't have a full-time job with significant income tax to offset. I'll reevaluate things next June, as for this financial year the taxable component of the redundancy package should still make the negative gearing worthwhile. Hopefully I get a full-time job in the financial planning industry, otherwise I may have to start some sort of profitable small business (as I have about $100K of 'carried  forward' business losses from previous sole trader activities that I need to eventually make use of).

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Net Worth OCT 2025

Chart updated to end of OCT in sidebar.

Stocks/cash increased $5,107 (+1.04%) to $498,825.

Retirement savings (SMSF etc.) increased by $32,525 (+1.42%) to $2,315,735.As I am currently unemployed/retired there are no contributions adding to the balance, so this increase was due entirely to market gains (minus the small monthly decline in the 'guaranteed cashback' value of my QSuper pension accounts due to monthly pension payments).

Est. valuation of our home (my half) increased by $11,141 (+0.91%) to $1,238,551. The estimated value of the 'Other real estate' (my 'lake house' and the investment apartment) increased by $4,469 (+0.21%) to $2,143,170.

Other assets (my online depository bullion account at Perth Mint, and the bullion value of my gold and silver proof coin collection) increased by $4,087 (+5.51%) to $78,280. I am currently still adding $200 worth of gold to my Perth Mint online depository account each month.

Overall, NW increased by $57,329 (+1.10%) to $5,282,273 during Oct. It needs to increase by about 0.2% per month on average to keep pace with inflation (I.e. maintain real value).

I've so far applied for 66 positions and not had any real interest. I suspect I am overqualified for the Junior/Assistant Financial Advisor positions I've applied for, and probably lack the relevant experience required for a salaried financial advisor position. I may also be considered too old (as the list of qualifications and dates on the CV make one's age quite obvious).

The contract AI work I had been offered was cancelled (lack of funds for the project). So I'll do a few of the miscellaneous AI piece-work tasks to earn a bit of 'pocket money'.

I only recorded one youtube videos during October -- I'll try to do at least one a week from now on to see if it slowly gains views and subscribers (or not). (I said the same thing last month).

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