Wednesday, September 10, 2025

August 2025 update ($1,182,380 +$25,393 or +18.6%)

Eurozone Stock Index Fund is up by $833 or +0.4%
US 500 Stock Index Fund is up by $9,482 or +2.0%
Global Small Cap is up by $9,428 or +5.2%
Additional investment savings $2,500
EUR is up to USD by 0.9% or $3,301 for my portfolio
GBP is up to USD by 1.5% or $1,436 for my portfolio
Total gains: $26,980
 
Emerging Markets Stock Index Fund is down by $1,353 or -0.8%
Growth fund is down by $234 or -0.2%
Total losses: $1,587
 
Financial Independence August 2025
Observations:

If feels like, outside of the stock market I have gained ground economically since COVID-19 pandemic, underscoring the continued toll of rising prices. Very often in corporate world there is perception that you are lucky, if you have kept your job this year.  I feel a sense of economic fragility, even if their finances were adequate or secure today.

I keep on saving cash for investment but S&P500 has never been this expensive, or more concentrated in fewer companies. The S&P 500 currently trades at 22.5 times its projected earnings over the next 12 months, compared with the average of 16.8 times since 2000.

 The 10 largest companies in the S&P 500 accounted for 39.5% of its total value at the end of July, the most ever, according to Morningstar. Nine have a market capitalization above $1 trillion. 

I am holding back for now.

Fun fact: Harvard president said that threat to revoke the school’s tax-exempt status, l that the move would be “highly illegal” and “destructive to Harvard.” I understand when tax exempt status is granted to educational institutions to enable them to successfully carry out their mission of education and, for research universities, of research. However, Harvard endowment is worth over $53 billion in 2025.

The issue is that prestigious universities failing basic investing test. Instead of keeping it 60% in stock and 40% in bonds, the average distribution is only 2% in cash, 6% in bonds, 8% in U.S. stocks and 16% in international stocks. The rest of the money are n private funds and other non-traditional assets that can’t readily be turned into cash.

 This spring, after months of effort, Harvard sold $1 billion in private-equity funds at about a 7% discount to their stated value.

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