Monday, February 13, 2017

January 2017 - Low Cost Portfolio ScoreCard

I had been super busy with work and didn't really have the time to update my portfolio. From the way this year started, it seemed I would have less time to blog this year.

January 2017 started with a bang. My portfolio grew by a decent SGD 7,379.14 including dividend. Return YTD was 1.46%, XIRR YTD 18.61%, and XIRR since inception at 6.68%. Will the portfolio grow in this rate for the remaining of the year? I doubt it will.

I received dividends of:
  • SGD 95.20 from Singtel
  • HKD 309.96 from Vanguard FTSE AS High Dividend
I have no transactions in January and I may be looking at selling some if market continues to go up. Portfolio allocation was 47.92% equity vs 51.28% bond/cash.



Link to Yaruzi's low cost portfolio as of January 2017

Sunday, January 1, 2017

December 2016 - Low Cost Portfolio ScoreCard

The final scorecard for my low cost portfolio is out. XIRR for 2016 was 7.85% and XIRR since inception increased to 5.25%. Total dividend in December was HKD 1,795.51 and GBP 74.28. This brought total dividend for 2016 to $3,665.85.

The portfolio started with a value of $107k in January and ended in December with a value of $505k. Most of the portfolio growth came from re-investment of proceeds from Unit Trust portfolio liquidation (~$279k) and fresh fund injection ($98k). Net profit was $20K from both capital gain and dividends.

I have 2 buy transactions in December:
  • Singtel 1100 shares @ $3.65
  • Ascott REIT 3600 shares @ $1.135

I'm grateful that God allows my investment portfolio to exceed the targeted 4% long term return in 2016. I'm also glad that my investment portfolio reached the half million mark for the first time, which was a significant milestone for me.

I wish everyone a Happy and Prosperous 2017!



Link to Yaruzi's low cost portfolio as of December 2017.

Tuesday, December 27, 2016

Recent Buy - Ascott REIT

Bought Ascott REIT 3600 shares @ $1.135

What I like about Ascott REIT:
  • It's wide diversification of properties portfolio across 14 countries, covering both developed and developing countries.
  • Reasonable gearing at 41%
  • P/BV is trading at discount 0.74x
  • Decent yield at 6.86%

Thursday, December 22, 2016

November 2016 - Low Cost Portfolio Scorecard

Many medias spread fears during the US president election, by injecting a market sell-off expectation should Donald Trump became the elected president of US. What happened eventually was the reverse. Markets rallied strongly, especially US. DJI is just a few points away from 20,000 psychology resistance. Even the lackluster STI breached 2900 as a result.

Will the rally continue in 2700? Only God knows! My part is to stick with the plan and probably be slightly defensive in my portfolio management.

As a result of the rally in equities, low cost portfolio XIRR YTD was 7.4% as of 30 November. XIRR since inception went back above 4% at 4.54%, beating CPF SA return, which I used as a benchmark for my low cost portfolio.
  • CapitaRetail China Trust 5800 shares @ $1.3875
  • CapitaMall Trust 4200 shares @ 1.9075
  • SIA Engineering 1200 shares @ 3.45
  • VanEck Vectors Gold Miners UCITS ETF (GDX.L) 140 shares @ USD 21.56
  • Heineken Malaysia Bhd (2836.KL) 800 shares @ MYR 15.7275
  • Carlsberg Brewery Malaysia Bhd (3255.KL) 900 shared @ MYR 13.78

I injected $4,000 fresh fund and received total dividends of $214.00 and GBP 18.09 in November. Dividends received were:
  • GBP 18.09 from British Land Co PLC  
  • $36.00 from SIA
  • $60.00 from Starhub
  • $53.00 from First REIT
  • $65.00 from Starhill Global REIT

Total portfolio value as of 30 November was about $3,000 shy of the half million mark, with 46.53% in equity and 53.47% in bonds & cash.



Link to Yaruzi's low cost portfolio as of November 2016

Wednesday, December 21, 2016

Recent Buy - Singtel

Bought Singtel 1100 shares @ 3.65

Telcos have been hammered for various reasons. Some said the drop was because of the arrival of the 4th telco. Others believed the drop was because of their "bond-like" characteristic in the portfolio for their stable dividend. I tended the agree on the later, because it's not only Singapore telcos that got sold-off.

At $3.65, Singtel traded 3.4% higher from my buying price in January 2016. Amongst the telco, I perceived Singtel to be the most resilient due to it's more diverse and regionalized business.