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.







Thursday, December 1, 2016

Family Time

Time passes so fast and we're at the end of 2016. Yaruzi will take a break from blogging to spend some quality time with his wife and daughters, try nice food, and explore some cities and their public transports.

Stay tune as I'll be right back :-).