Investment Update - March 2025
This is the 3rd post of the monthly family investment update. The post tracks the performance in the month of March, 2025. The first post contains some explanation of why and how we are doing this.
Overall, our family investment asset shrinks in March, a 2nd time in a row. It was 102.08 in Feb and 91.90 at the end of March, with a negative growth of -7.96%. A breakdown is as follows:
| Name | Growth rate (%) |
|---|---|
| Total asset | -7.96 |
| After tax | -9.52 |
| 401(k) | -3.49 |
The 401(k) portion still performs better than the after tax portion, relatively. However, the decrease in asset value is even worse than that in February. Zoom out, the S&P Index fell 5.63% in March, and Nasdaq a whopping -8.14%.
One of the annual goal this year for our investment asset is to lower its portion of stock holdings. As shown below, it’s slowly moving towards the goal.
| Name | Ratio (%) |
|---|---|
| Individual stocks | 52.67 |
| Funds | 23.78 |
| Cash | 18.08 |
Compared to that in last month, cash percentage grows from 10.57 to 18.08, and individual stocks are down to 52.67 from 64.84. Note a large portion of funds is also in the stock index funds - the goal is to be less exposed to individual stocks, not the stock market per se. That being said, with all the tariffs news going around, it might not be a good time to keep the index funds either.