Sunday, October 23, 2016

Financial Independence with Mad Fientist

A while back I came across this really cool post:

This post provides a spreadsheet to calculate how many years you need to work until you achieve financial independence (FI).

I took his spreadsheet, adapted it a bit to the Singapore context, and it shows me I need 4.12 more years till FI! This assumes an inflation-adjusted growth rate of 4% and a withdrawal rate of 3%.

One thing I'm not quite sure is that in the computation of the withdrawal rate, the spreadsheet assumes you can withdraw from your net worth. And your net worth calculation takes into account the price of your house - mortgage. Can we grow our housing at 4% p.a. in Singapore?

Sunday, October 16, 2016

Portfolio Snapshot - Breakeven Price

Here's another snapshot of my portfolio based on breakeven price:

The column 'price' indicates the current price of the stock.

The column 'breakeven_price' indicates the breakeven price of the stock with dividends and stocks from distribution reinvestment plan included. As long as the price of stock is above the breakeven price, I can sell the stock for a profit.

The column 'breakeven_price_status' indicates if the stock price is above the breakeven price.

This is done in Python and using Pandas Dataframes.

Saturday, October 15, 2016

Portfolio Snapshot - CAGR

Here's a snapshot of my current portfolio:

The column 'cagr' represents the compound annual growth rate of that stock.

The column 'cagr_inc_div_drp' shows the compound annual growth rate including dividends paid out and additional stocks obtained through distribution reinvestment plans.

The column 'cagr_benchmark' shows the compound annual growth rate of the benchmark. The benchmark is the SPDR STI ETF, stock code 'ES3'.

The last column 'cagr_benchmark_status' shows yes if we beat the benchmark. The more 'Yes' the better.

The columns 'cagr', 'cagr_inc_div_drp', and 'cagr_benchmark' are shown in percentages.

This was done using Python and Pandas Dataframes. Cool?