Monday, February 10, 2020

January 2020 - Yaruzi's Portfolio Update

I received a sad news from a close family friend in January, two weeks before Chinese New Year. Our dear friends lost their beloved and only son due to sickness. While I believe wholeheartedly that their son is in a better place now with the loving Lord, I knew it wouldn't be easy to both parents. It'd been a roller coaster for the family as their son went through a few cycle of getting better and worse during the treatment. As friends, my wife and I could only offer our sincere prayer and support during their difficult time. We prayed that our dear friends would continue to receive strength to keep their faith.

In January, I sold Telstra Corporation Limited, making a little profit of 1.57% (CAGR 0.73%) inclusive of dividends after holding for 2 years and 2 months. The reason for selling was to rebalance my portfolio to the telecommunication sector. I also made 2 purchases below.

DateSecuritiesActionCurrencyQuantityPriceTotal
13-Jan-2020Ace Hardware Indonesia TbkBuyIDR62,000.00001,465.000090,830,000.00
24-Jan-2020SATSBuySGD2,000.00004.84009,680.00

I contributed a fresh fund of $5,000 and ended up the month with a total portfolio of $885,804.47. Return YTD was 0.05%, XIRR YTD was 0.6%, and XIRR since inception was 4.51%. Equity allocation was 54.65%, and I received total dividends of $1,142 from Singtel.

DateSecurities NameFCYSGD
10-Jan-2020Singtel1,142.40 1,142.40



Link to Yaruzi's low cost portfolio as of January 2020

Friday, January 3, 2020

December 2019 - Yaruzi's Portfolio Update

Honestly, I wasn't expecting 2019 to be a good year when it started. But hey, the rally in December seemed to lift everything up. My portfolio ended the year with a rather decent result. YTD return of 5.04%, XIRR YTD of 5.97% and XIRR since inception of 4.63%. I received $13,464 in dividends and made $42,266.89 in profits. Total portfolio at the end of 2019 was $880,357.44, about $120,000 shy of the $1M mark.

I made no transaction in December and was receiving $1,776.97 in dividends. Equity allocation stood at 54.13% and the remaining 45.87% in short term bond and money market.

DateSecurities NameFCYSGD
3-Dec-2019Takeda Pharmaceutical52,781.00 658.87
17-Dec-2019First REIT887.95 887.95
20-Dec-2019Royal Dutch Shell PLC-B130.79 230.15

While if feels good growing our investment assets, there are still people around us that are not so fortunate and may require our help. Friends, if you come across them, please do lend a helping hand. Last, but not least, I wish everyone a Happy New Year and a great 2020. 



Link to Yaruzi's low cost portfolio as of December 2019

Sunday, December 22, 2019

November 2019 - Yaruzi's Portfolio Update

Portfolio return YTD dipped to 3.52% at the end of November, likewise XIRR YTD dipped to 4.74% and XIRR since inception dipped to 4.22%. Total portfolio increased to $862,421.64, after an additional cash contribution of $10,000.

I did a couple of purchase in November, increasing my holdings in Indonesian tobacco companies and ComfortDelgro. I also sold all my Daimler AG holdings at EUR 52.85, above my average purchase price of EUR 47.0155. It gave me a total profit of $2,404.02 (CAGR 11.24%), including dividends received over the years. I sold because I'm rather concerned about the level of debt that Daimler had and it's worsening cash flow, which raised the question if it's future dividend would be sustainable. It also had a new CEO after the previous CEO, Dieter Zetche, retired in May. I was just not too sure yet if the new CEO had what it took to make Daimler a healthier company.

DateSecuritiesActionCurrencyQuantityPriceTotal
1-Nov-2019Hanjaya Mandala SampoernaBuyIDR47,000.00002,130.0000100,110,000.00
7-Nov-2019Gudang GaramBuyIDR1,900.000053,000.0000100,700,000.00
14-Nov-2019ComfortDelgroBuySGD7,800.00002.325018,135.00

In November, I received total dividends of $128.52 from Capitaland Mall Trust. This brought up total dividends YTD to $11,687.21 or about $973.93 per month.

DateSecurities NameFCYSGD
29-Nov-2019Capitaland Mall Trust128.52 128.52 

Time flew fast and we're at the end of 2019. It felt like it's just started. While we may enjoy investing and see our portfolio grow, I think our life is too short for not spending our time with our love ones. "For God so loved the world that He gave His only begotten Son, that whoever believes in Him should not perish but have everlasting life." - John 6:13 NKJV and His beloved Son's Name is Jesus, the Christ.

I wish all of my blogosphere friends, a Very Merry Christmas and a Happy New Year 2020! God loves you and bless you, my friends ...



Link to Yaruzi's low cost portfolio as of November 2019

Sunday, November 17, 2019

October 2019 - Yaruzi's Portfolio Update

I started with my new employer in October. I met new colleagues and was trying to settle in the new place. There were many things to learn about the new company and I needed to make a few adjustments like going to the office earlier than usual.

In regards to my portfolio, I made some changes. I sold off BT Group PLC, taking a loss of 18.46% after dividends. I also sold SIA Engineering, making a profit of 7.16% after dividends. I added 8300 ComfortDelgro, increasing my total holding to 10500 shares at average purchase price of $2.3890.

DateSecuritiesActionCurrencyQuantityPriceTotal
25-Oct-2019ComfortDelgroBuySGD8,300.00002.410020,003.00 

I received dividends of $484.53 in October, bringing total dividends to $11,558.69 YTD

DateSecurities NameFCYSGD
1-Oct-2019Tassal Group Ltd260.77 242.57
31-Oct-2019Heineken Malaysia Bhd747.04 241.97

Portfolio value was $856,279.43 at the end of October. Return YTD was 4.03%, XIRR YTD was 5.86%, and XIRR since inception was 4.52%.



Link to Yaruzi's low cost portfolio as of October 2019

Saturday, October 19, 2019

September 2019 - Yaruzi's Portfolio Update

It's finally the time I bid my farewell to my colleagues and team members. I brought them out for drinks and we enjoyed the night. Then I spent the last week of September with my wife, exploring Singapore and hunting good meals. It's a good break before I started in the new workplace.

There was a sell-off on tobacco company in Indonesia due to plan by the government to increase excise by 23% early next year. I bought some Hanjaya Mandala Sampoerna and Gudang Garam during the sell-off. I didn't smoke, so the decision to buy the shares was purely an investment decision.

DateSecuritiesActionCurrencyQuantityPriceTotal
17-Sep-2019Hanjaya Mandala SampoernaBuyIDR90,000.00002,283.0000205,470,000.00
17-Sep-2019Gudang GaramBuyIDR2,000.000055,110.0000110,220,000.00

Total portfolio was $850,221.73 as of end September and I injected $20,000 fresh fund. Equity allocation was at 53.28%, with the remaining in short term bond and cash. Return YTD was 3.3%, XIRR YTD was 5.52%, and XIRR since inception was 4.39%. I received total dividends of $3,455.27 in September, with largest contributors came from China Mobile and First REIT.

DateSecurities NameFCYSGD
9-Sep-2019BT Group PLC189.83 322.43
17-Sep-2019First REIT887.95 887.95
25-Sep-2019Royal Dutch Shell PLC-B33.59 57.45
26-Sep-2019China Mobile11,502.45 2,014.08
27-Sep-2019Telstra Corporation Limited186.40 173.37



Link to Yaruzi's low cost portfolio as of September 2019