Sunday, July 1, 2018

May & June 2018 - Yaruzi's Portfolio Update

I was taking a 2 week break from work during the children school holiday. I was grateful that we're able to spend time with our extended families. I was enjoying the break that I even forgot to look at my portfolio and updated my blog ... :-). I learnt that the greatest blessings a man can have is not fame, fortune or long live, BUT a loving God and loving families. It was sad to read how successful men and women ended their own life, eventhough they seemed to have everything according to the worldly standard.

So here is the portfolio update for both May and June. Excluding the monthly fresh fund contributions, the portfolio performance remain flat for 2018. May was a bumper dividends month with $1,446.41 received. I received another $817.51 of dividends in June, which brought the total YTD dividends to $4,393.77, 9% lower compared to total dividends received as of June 2017. This was expected as I've been reducing my equity holdings as part of my allocation strategy.

DateSecurities NameFCYSGD
3-May-2018CSOP China Ultra Short Term Bond ETF (HKD)144.91 30.29
8-May-2018British Land Co PLC (GBP)18.66 33.69
10-May-2018Keppel Corp126.00 126.00
10-May-2018Starhub48.00 48.00
15-May-2018DBS356.40 356.40
15-May-2018Sembcorp Industries30.00 30.00
22-May-2018Greggs PLC (GBP)47.80 85.78
22-May-2018Carlsberg Brewery Malaysia Bhd (MYR)685.15 229.59
24-May-2018Prada Spa (HKD)505.64 86.11
25-May-2018First REIT53.75 53.75
25-May-2018Starhub48.00 48.00
28-May-2018Toyota Motor Corp (JPY)10,053.00 122.97
30-May-2018Capitaland Mall Trust116.76 116.76
30-May-2018Starhill Global REIT53.50 53.50
31-May-2018Perusahaan Gas Negara (IDR)267,021.72 25.57
4-June-2018Perusahaan Gas Negara (IDR)283,730.16 27.17
8-June-2018Heineken Malaysia Bhd (MYR)395.26 131.62
11-June-2018PCCW (HKD)1,031.91 174.70
13-June-2018UOB130.00 130.00
20-June-2018Royal Dutch Shell PLC-B (GBP)31.06 55.34
25-June-2018Indocement Tunggal Prakarsa (IDR)1,113,099.57 106.98
26-June-2018BP PLC (GBP)38.86 70.12
28-June-2018China Mobile (HKD)701.14 121.58

Portfolio return YTD was 0.31%, XIRR YTD 0.64%, and XIRR since inception was 5.74%. Though nothing to shout about, but it was performing fine compared to major world indexes such as STI (-3.94%), HSI (-3.22%), Nikkei 225 (-2.02%), DJI (-1.81%), S&P 500 (+1.67%), FTSE 100 (-0.66%).  It's performance wasn't too bad either compared to other balanced funds managed by professional fund manager. On a YTD basis, only First State Global Balanced Fund (+1.30%) and Alliance Bernstein Dynamic Diversified Portfolio (+1.33%) were ahead.

I believe individual investors, like me, will be able to beat most of the similar funds managed by professionals by:
  1. Keeping the portfolio running cost low
  2. Investing in diversified, high quality companies
My last purchase of equities was back in Dec 2016 and since then I had been paring down my equity holdings while increasing my bonds/cash. By avoiding frequent transactions i.e. speculative trading in and out, I kept my portfolio cost low.

Link to Yaruzi's low cost portfolio as of May 2018 and June 2018

Tuesday, June 26, 2018

Recent Buy - Singtel

My last equity purchase was back in Dec 2016. So when STI dipped below 3250 this morning, the level triggered me to start rebalancing my portfolio by purchasing some equities. And what else caught my eyes, if not the bloody telco that had been battered so badly. I thought they would be a good fit for a defensive portfolio because I really hope that the correction is just starting.

I added 1600 shares of Singtel @ $3.12 a piece.

Sunday, May 20, 2018

April 2018 - Yaruzi's Portfolio Update

Aside of $8,500 fresh fund contribution to the portfolio, pretty much there wasn't much going on with the portfolio. No new purchases or sales as STI lingered between 3350-3600 and didn't touch the level I preset to take action. So it's mainly a waiting time for me, while collecting dividends. Return YTD was 2.03%, XIRR YTD was 6.4%, and XIRR since inception was 7.3% as of end April.

I received $772.20 in total dividends in April, bringing total dividends YTD to $2,129.85.

DateSecurities NameFCYSGD
02-April-2018Telstra Corporation Limited (AUD)82.54 98.28
02-April-2018BP PLC (GBP)37.42 68.61
03-April-2018BHP Billiton PLC (GBP)70.85 130.52
09-April-2018HSBC Holdings Plc (HKD)1,303.08 217.61
12-April-2018Daimler AG (EUR)82.42 132.89
16-April-2018Vanguard FTSE AS (HKD)150.77 25.09
27-April-2018M199.20 99.20 

Link to Yaruzi's low cost portfolio as of April 2018

Sunday, April 15, 2018

March 2018 - Yaruzi's Portfolio Update

STI was fluctuating around the 3500 mark, but it didn't break below 3250 or above 3750 for me to rebalance my portfolio. Equity allocation was 35.16% and bond/cash allocation was 64.84%. Portfolio value dropped to $652,765.81. Return YTD was 0.35%, XIRR YTD was 1.44%, and XIRR since inception was 6.62% by end March 2018. I received total dividends of $183.14.

DateSecurities NameFCYSGD
28-Mar-2018Royal Dutch Shell PLC-B (GBP)29.94 55.29
29-Mar-2018BHP Billiton PLC (GBP)97.94 127.85

It was rather boring for the portfolio, but an exciting month in my workplace. Work was hectic, and I didn't manage to inject my monthly contribution in time. March was the month for bonus payment, and I received a very good bonus for which I was very grateful.

Link to Yaruzi's low cost portfolio as of March 2018

Sunday, March 11, 2018

February 2018 - Yaruzi's Portfolio Update

I wasn't doing much to the portfolio in February. While there was an increase in volatility, equity market was trading within the range where it didn't trigger a new buy or new sell for me. Portfolio value decreased to $657,325.86, despite me injecting $4,000 fresh fund. Return YTD was 1.05%, XIRR YTD was 6.74%, and XIRR since inception was 7.42%. Portfolio allocation stood at 35.62% for equity and 64.38% for bonds and cash.

I received total dividends of $883.75, lower compared to $895.29 which I received Feb last year. However it's expected as I sold some of my equity holdings in January.

DateSecurities NameFCYSGD
2-Feb-2018ABF PAIF (USD)40.00 52.18
7-Feb-2018BT Group PLC (GBP)27.55 50.62
13-Feb-2018British Land Co PLC (GBP)18.66 34.10
20-Feb-2018STI ETF222.60 222.60
23-Feb-2018Capitaland Retail China Trust48.14 48.14
28-Feb-2018Ascott REIT205.16 205.16
28-Feb-2018Capitaland Commercial Trust36.90 36.90
28-Feb-2018Capitamall Trust121.80 121.80
28-Feb-2018First REIT53.75 53.75
28-Feb-2018Starhill Global REIT58.50 58.50

I anticipate a slower growth of my portfolio this year mainly due to lower contribution expected. I'd be using some of my savings to help my sister, who were going through some rough patch. My Heavenly Father had been generous to me in all aspects of my life, and I felt unexplained joy helping my family though it would mean I needed more time to achieve my initial projection.

There was also shake-up at the senior management level in the place where I worked. In this uncertain time, I'm pretty sure many of my colleagues will be concern in term of job security. However I fully entrust my future in God's hand, as I have seen His grace and favour to be where I am today.

“Therefore I tell you, stop being worried or anxious (perpetually uneasy, distracted) about your life, as to what you will eat or what you will drink; nor about your body, as to what you will wear. Is life not more than food, and the body more than clothing? Look at the birds of the air; they neither sow [seed] nor reap [the harvest] nor gather [the crops] into barns, and yet your heavenly Father keeps feeding them. Are you not worth much more than they? And who of you by worrying can add one hour to [the length of] his life?” - Matthew 6:25-27 AMP

Link to Yaruzi's low cost portfolio as of February 2018