Start Over 시작: Final summary of 2025

Stoks

STI 4646.21

What a strong year for ex-US markets, thanks to the uncertainty of DT.
Liberation Day was a scary one, woke up to see almost 150K drop that day.
Focus-ed fire majority into DBS, glad that it worked out. Since then a very scary bull till now.
Not so good for USD, which has fallen more than 5% YTD.
Went out of US positions since the start of Nov and fully into Asia markets only.
DBS was an outperformer again, 36% with dividends paid vs 26% ES3.
Highly likely due to commitment of short term upcoming dividends and potential SBBs if sp goes under 50 next year.
Doubt to see another 20% performance for them in 2026, would be good if it can hit a decent 10% since sp is too expensive per lot.
Could see higher volumes if SGX reduces board lot sizes.
OCBC started to play catch up with more than 20% gains as Q3 wealth performance was better than DBS.
But banks wasn't the best as all smaller blue chips like OV8 and Z74 all did so much better from the EQDP program i believe.
US is just unstoppable with the AI and now PM hype, done with it for now unless shit happens which will also spread to SGX and HKEX.
Shall see whether next MyLifeIncome will pay the same as 2025.
2026's plan will be to DCA into LINK and 3416 if market continues to sell them down. 3416 will be a hedge but will be good if it can generate a 10% from it's CC strategy.
Here's the ending post of wishing for a 'good' financial 2026.

Life

Quite a non-productive year ngl, didn't do much of stuff in 2025.
Travel was non-existent, only travelled twice this year. One to KL during Feb and the other to the kelong during Oct.
Supposed to go TW but fren had issues due to his mistakes.
Most happening thing was BIL langa my car in June and ended my car ownership temporarily.
Car condition was so bad that insurance just told me to scrap, bad thing was NCD became 0 although it was expected before verdict.
Ofc lost out some market value even though most of the rest could be salvaged.
Got a new car for sista after she realised how she needed one for her stuff.
Official moveout was in end Sep and MW schedule changed from 4 days to now 2days from Sun night to Tues evening walk to GM' house.
Had a current stubborn chalazion since Oct and due to position making it hard to poke so just leaving it there till it goes away.
If it's gonna to be permanent, hopefully it will deter future occurrences.
Bought 2 RLX this year again, one on 14 Feb and the other 22 Aug. 16200 and a 16610 which was supposed to be my first RLX last Oct.
Changed phone from Redmi to Honor 400 lite, at least camera is so much better.
Next year plan to at least try solo travel and also consider Invisalign.
Also starting back on stamina improvement and also IPPT trg for next window cycle.
ICT in 2 weeks time, high high key cannot slack as much but more pay is good i guess.
Going for NYE countdown, kk la make it compulsory every year but the rest is negligible.
Sec sch fren will finally repay his debt of 3k next March after 4 years.
Hope to see 2026 a calm and average year, less is more, if buying opps come so be it...pkl