Friday, September 27, 2019

August 2019 - Yaruzi's Portfolio Update

A very late update from me on my portfolio in August, when we're almost at the end of September. I was busy with work as many changes happened in the company I worked for, and it had become a less enjoyable place to work for. There was changes in the company's top management and I felt very difficult to stay motivated when you hardly saw integrity in what they did. I felt like dragging my feet just to come to the office every day.

So I told myself enough was enough and after 7+ years, I decided it's time to move on. With the grace of God, one thing led to another. One recruiter had been trying to persuade me without success for sometime, but he persisted and called me just before I went for vacation in June. A call for an interesting role at the right time. I promised him I'd explore more after I was back from vacation. 

News spread fast that I was opened to explore new opportunities. I received 2 more calls from other head hunters while I was on vacation. One of them was very frustrated, because I didn't tell him first about me planning to explore new opportunities. For a few years I had politely rejected his offer for greener pastures.

Long story short, I got the role I wanted from the first recruiter and tendered my resignation in July. Throughout the process, I prayed for God to close the door if an opportunity was not for me. I asked Him to lead me for what He had destined for me, because only Him could see far into my future. I had a little break with my wife in September to have a little taste on being "free", before I started with my new employer in October. Geez, my wife and I enjoyed our time together so much!

With the market weakness in August, I continued to make a little purchases to increase my equity holdings. Return YTD was 3.08%, XIRR YTD was 5.78%, and XIRR since inception was 4.42%.
Equity allocation was at 51.09% with the remaining in cash and short term bonds.

12-Aug-2019Daimler AGBuyEUR207.000042.55008,807.85
14-Aug-2019Heineken Malaysia BhdBuyMYR600.000022.500013,500.00
15-Aug-2019Royal Dutch Shell PLC-BBuyGBP280.000022.45506,287.40

In turned out August was quite a bumper month for dividends. I received a total dividends of $2,864.42.

DateSecurities NameFCYSGD
8-Aug-2019SIA Engineering800.00 800.00
15-Aug-2019Singtel1,797.60 1,797.60
28-Aug-2019ComfortDelgro99.00 99.00
29-Aug-2019Capitaland Commercial Trust45.18 45.18
29-Aug-2019Capitaland Mall Trust122.64 122.64

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

Sunday, August 18, 2019

July 2019 - Yaruzi's Portfolio Update

With continuing market volatility due to worry of recession, and the fallout from trade war between US and China, I made some purchase in July to increase my equity allocation. I was aiming to increase my equity allocation to around 50% to avoid cash/bond dragging down my overall portfolio return. I didn't know when a major correction would happen, however what I could do was to have my war chest ready.

12-Jul-2019Heineken Malaysia BhdBuyMYR600.000022.680013,608.00
15-Jul-2019Tassal Group LtdBuyAUD2,100.00004.765510,007.55
31-Jul-2019Heineken Malaysia BhdBuyMYR600.000022.780013,668.00

Total portfolio was $827,876.07 as of end July with equity allocation at 46.99%, about 3% shy from my targetted allocation. Return YTD was 3.6%, XIRR YTD was 7.67% and XIRR since inception was 4.76%. I injected $4,000 fresh fund to the portfolio and received dividends of $142.83.

DateSecurities NameFCYSGD
5-Jul-2019Indofood CBP Sukses Makmur Tbk1,496,385.54 142.83 

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

Saturday, July 20, 2019

June 2019 - Yaruzi's Portfolio Update

I continued my purchase in June to increase my equity holdings. My portfolio equity allocation increased from 37.72% at end May to 44.73% at end June. Earlier this year, I was reducing my equity allocation as I feel valuation was too high, ahead of fundamental. Alas, FED succumbed to the political pressure from the US President, Donald Trump, and indicated they "might" cut interest rate to support the economy. Since I couldn't predict the future on when a deeper correction would happen, I decided to reposition my portfolio to a more neutral allocation.

3-Jun-2019SIA EngineeringBuySGD5,000.00002.420012,100.00
3-Jun-2019Takeda PharmaceuticalBuyJPY400.00003,582.00001,432,800.00
11-Jun-2019China MobileBuyHKD1,500.000069.6500104,475.00

I received total dividends of $2,041.52, mostly from China Mobile. Total dividends YTD was $4,611.64. Total portfolio value reached $825,558.31 with additional $4,000 of fresh fund injected. Return YTD was 3.83%, XIRR YTD was 9.62%, XIRR since inception was back above 5% to 5.01%.

DateSecurities NameFCYSGD
26-Jun-2019Royal Dutch Shell PLC-B32.65 55.97
27-Jun-2019China Mobile8,611.59 1,486.36
28-Jun-2019Telekomunikasi Indonesia5,238,090.24 499.19

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

Saturday, June 8, 2019

May 2019 - Yaruzi's Portfolio Update

I did a few purchases in May, which increased my equity holdings from 33.65% to 37.72%.

8-May-2019China MobileBuy1,500.0000HKD72.6500108,975.00
9-May-2019Bayer AGBuy150.0000EUR57.88008,682.00

Because of trade war, global market started to sell off.  My total portfolio value dropped to $801,728.52 despite additional fund of $4,000 injected. Excluding the fresh fund from monthly contribution, the portfolio held up rather well as the value only dropped -0.94% compared to the peak in April. In comparison, major indexes lost around 9-10% of their value. STI lost some 300 points from 3400 to around 3100, Hang Seng 3000 points from 30000 to 26900, Nasdaq 800 points from 8100 to 7300, etc.

Portfolio return YTD as of 31 May 2019 was 1.34%, XIRR YTD 5.25%, and XIRR since inception dropped to a low 4.18%.  I received total dividends of $1,423.76 in May.

DateSecurities NameFCYSGD
8-May-2019Bayer AG265.12 403.09
14-May-2019ComfortDelgro135.30 135.30
30-May-2019Daimler AG208.31 319.36
30-May-2019First REIT445.05 445.05
30-May-2019Capitaland Mall Trust120.96 120.96

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

Wednesday, May 1, 2019

April 2019 - Yaruzi's Portfolio Update

I contributed $85,000 of fresh fund to my portfolio in April. With market continuing to move up, my total portfolio value reached $805,298.18 at the end of April. I made a number of purchases in April, which increased my equity holdings from 17.75% in March to 33.65%. Return YTD was 2.31%, XIRR YTD was 7.93%, and XIRR since inception was 4.71%.

12-Apr-2019Telekomunikasi IndonesiaBuy25,000.0000IDR3,840.000096,000,000.00
12-Apr-2019China MobileBuy2,000.0000HKD77.2500154,500.00
15-Apr-2019First REITBuy9,200.0000SGD0.98509,062.00
16-Apr-2019SIA EngineeringBuy3,800.0000SGD2.47009,386.00
16-Apr-2019Takeda PharmaceuticalBuy300.0000JPY4,250.00001,275,000.00
23-Apr-2019China MobileBuy2,500.0000HKD75.0500187,625.00
23-Apr-2019First REITBuy20,600.0000SGD0.972520,033.00

I received total dividends of $269.98

DateSecurities NameFCYSGD
1-Apr-2019Telstra Corporation Limited186.78 179.12
1-Apr-2019Tassal Group Ltd94.74 90.86 

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