I am sharing an update on my Financial Goals Progress for December 2025. This month, the total value of my assets has risen to 108.99% of my target. Based on the chart above, my assets grew by 21.96 percentage points over the year from 87.03% in January 2025 to 108.99% in December 2025. What does this chart represent? It shows the total value of my financial assets expressed as a percentage of my overall financial goal. These assets include my insurance savings, savings accounts, fixed deposits, Singapore Savings Bonds, Singapore Treasury Bills, the current market value of my stocks, and the funds in my Supplementary Retirement Scheme (SRS) account.
Have you defined your financial goals yet? These goals are the specific targets you set to guide how you manage your money whether for short-term needs or long-term aspirations. Establishing financial goals gives you clarity, purpose, and motivation to make smarter financial choices. With clear objectives in place, you can monitor your progress, make informed decisions, and steadily build toward lasting financial stability and security. My long-term financial goal is to stash sufficient money (target) which can help me to retire early in Singapore.
How did I achieve my financial goals? To achieve my financial goal in 5 years, you need a lot of discipline. Below are the actions I did.
Save 20 Percent of My Salary
GXS Bank offers a great feature that lets me create dedicated savings pockets. I’ve built a habit of allocating 20% of my salary into one of these pockets on the GXS Digital Bank. Every month, the moment my paycheck arrives, I transfer that portion straight in. It is a simple, consistent routine that steadily grows my cash reserves and gives me a reliable financial cushion I can draw on whenever I need it in the future.
Contribute to SRS
Most working adults recognise the value of contributing to their Supplementary Retirement Scheme (SRS) account, especially for the tax relief it provides. To stay consistent, I created a dedicated savings pocket in the GXS Digital Bank and have been transferring funds into it every month. This month, I closed that pocket and moved the accumulated amount along with the interest earned into my actual SRS account to maximise my tax benefits for the year.
I invested the money in my SRS account into Singapore Treasury Bills and Singapore Savings Bond to earn a higher interest rate.
Reinvest Dividends Collected
If you are familiar with investing, you have likely heard of the power of compounding. It is the process where earnings from an asset such as dividends or interest are reinvested to generate even more earnings. In simple terms, compounding allows your money to earn money, and then those earnings earn even more.
Over time, this snowball effect can lead to exponential growth. As reinvested returns increase your investment base, each cycle produces larger gains than the last. That is why compounding is often called the “eighth wonder of the world”, a quiet but powerful engine for long-term wealth.
The secret to unlocking compounding’s full potential? Start early and stay consistent. Even modest, regular contributions can grow substantially if given enough time. Patience is key. The longer you let your investments compound, the greater the payoff.
Personally, I have been practicing this since 2012. Whenever I receive dividends from the stocks and REITs in my portfolio, I do not spend them. I accumulate and reinvest them into more dividend-yielding assets. This disciplined approach has steadily increased my passive income year after year.
Side Hustle
What is a side hustle? A side hustle is a way to make extra money outside of your full-time job. It is typically a passion project or small business that you work on during your free time to bring in additional income. Side hustles can range from freelance work, selling products online, offering services, or even renting out property. Many people start side hustles to pursue their interests, build new skills, or save up for a specific goal.
In April, I decided to take the plunge and started a new side hustle. If you notice, I started selling stock investments and personal finance related books on my blog. Reading stock investment and personal finance books offers a range of powerful, long-term benefits, especially if you’re serious about building wealth and making informed decisions.
Reading books on stock investment and personal finance significantly enhances your financial literacy, helping you understand key concepts like budgeting, saving, investing, and risk management. These books cultivate an investor mindset, teaching discipline and long-term thinking while improving your decision-making and helping you avoid common financial mistakes.
They encourage wealth-building habits and provide diverse strategies from seasoned investors, allowing you to find approaches that align with your goals. Ultimately, they empower you to take control of your money, build financial independence, and make informed choices that support lasting financial well-being.
My Stock Portfolio
This month, I received the dividend payout from Mapletree Pan Asia Commercial Trust, ST Engineering, Singtel, Mapletree Logistic Trust and Frasers Logistic and Commercial Trust. This adds up to the total dividend of $20,289.89 collected in this year 2025.
Regarding my US stock portfolio, Sea Ltd continue to underperform, and its share price kept falling further. Sea Ltd had released its latest financial results but I have yet to review it. The results seemed positive as I saw its share price recovered slightly.
Summary of Financial Goals Progress for December 2025
In summary, 2025 was a fantastic year as I achieved my financial goals and in fact exceeded it. I must say that picking the right stock to invest in plays a part and the artificial intelligence boom accelerated my stock portfolio’s growth.
Today is Christmas as I pen this post. I take this opportunity to wish all my readers a Merry Christmas and everyone’s stock investment to grow together with mine!