Investment Update - April 2025
This is the 4th post of the monthly family investment update. The post tracks the performance in the month of April, 2025. The first post contains some explanation of why and how we are doing this.
Overall, our family investment asset return to growth after 2 months of decline. It was 96.35 at the end of March and 100.47 at the end of April, with a positive growth of 2.44%. A breakdown is as follows:
| Name | Growth rate (%) |
|---|---|
| Total asset | 2.44 |
| After tax | 3.45 |
| 401(k) | -0.09 |
The After tax portion outperforms the 401(k) portion after trailing the latter 2 months in a row. The growth is also better than that of the S&P Index and that of NASDAQ Comp., which are at -0.68% and 0.88%, respectively. While I don’t break down further the asset type, the better-than-index growth is mainly due to a much higher growth of the crypto portion.
One of the annual goal this year for our investment asset is to lower its portion of stock holdings. There has been a large shift to cash in April:
| Name | Ratio (%) |
|---|---|
| Individual stocks | 31.20% |
| Funds | 24.40% |
| Cash | 42.26% |
It grows from 18.08% last month to 42.26%, closing to half. This is largely shifted from individual stocks. The purpose of the shift is managing the risk.