Saturday, June 13, 2020

May 2020 - Yaruzi's Portfolio Update

My portfolio performance suffered a dip in May. The hedge and the lack of allocation in US and technology companies played a big part in the underperformance. Having said that, the short term dip didn't really bother me as I invest for the long term. Unless the long term fundamental of a company has changed, I'll just ignore the noise and continue to invest and sleep well, while collecting dividends for the time being.

Return YTD was -7.36%, XIRR YTD -17.07%, and XIRR since inception was 1.48% at the end of the month. I added a fresh fund of $5,000 to the portfolio. If there was one important thing I learned throughout my investing journey aside from picking good companies, it would be having a good cash flow. The cash flow and holding power to ride uncertain times like this, so we didn't sell low and even bought more if possible, was what made the rich richer.

A lot of people think that picking the best companies is the key to successful investing. However, in my view, we should invest in ourselves first. My advice to younger investors will be to invest in yourselves so you become one of the best in your job or line of business. Combining good skills with prudent personal financial management, you will ensure a good and steady cashflow required to invest successfully. Many aspires to be the smartest, market-beating trader. Motivated by greed to get rich quick, they felt into the trap of fake gurus making money from the gullible (i.e: bei-kambing according to my blogger friends SMOL and Uncle8888)

Observing some weaknesses in May, I made quite a few purchases in the underperforming market such as Singapore and Hong Kong. See, we should always see crisis as an opportunity. There is always positive in every negative. I was particularly bullish on the long term prospects of China. I had no doubt that 20-30 years down the road, China would beat US hands down. I was also so happy that I could get my hand on a premium brand such as LVMH. I liked Hermes too, but it ran before I had the chance to buy it.

8-May-2020Industrial and Commercial Bank of ChinaBuyHKD11,000.00005.090055,990.00
18-May-2020LVMH Moet Hennessy Louis Vuitton SEBuyEUR30.0000335.900010,077.00
20-May-2020Raffles Medical Group LtdBuySGD10,000.00000.91009,100.00
25-May-2020Alibaba Group HoldingsBuyHKD300.0000193.700058,110.00
25-May-2020Alibaba Group HoldingsBuyHKD300.0000193.700058,110.00
25-May-2020Industrial and Commercial Bank of ChinaBuyHKD11,000.00004.940054,340.00
26-May-2020Indofood CBP Sukses MakmurBuyIDR8,000.00008,950.000071,600,000.00

I received total dividends of $1,380.12

DateSecurities NameFCYSGD
6-May-2020Bayer AG571.05874.28
29-May-2020ST Engineering300.00300.00

Link to Yaruzi's low cost portfolio as of May 2020.

Saturday, May 16, 2020

April 2020 - Yaruzi's Portfolio Update

Stock market indexes around the world rebounded in April. US, especially, staged a strong rebound supported by unprecedented money printing by the FED. The fear of losing out and greed fuelled the stock market up, despite many people losing jobs and uncertainties awaiting.

I bought Proshares Ultrashort S&P500 as a hedge. It is a 2xleveraged inverse ETF where it would gain value if S&P 500 lost value. I sold some China Mobile during the rebound to reduce my allocation on it and bought Ping An Insurance. I also bought ST Engineering.

3-Apr-2020Proshares Ultrashort S&P500BuyUSD340.000029.469010,019.46
3-Apr-2020Proshares Ultrashort S&P500BuyUSD340.000029.27999,955.17
8-Apr-2020Proshares Ultrashort S&P500BuyUSD360.000026.09999,395.96
28-Apr-2020Proshares Ultrashort S&P500BuyUSD440.000022.910010,080.40
20-Apr-2020China MobileSellHKD1,500.000060.400090,600.00
20-Apr-2020Ping An InsuranceBuyHKD1,000.000078.650078,650.00
24-Apr-2020ST EngineeringBuySGD3,000.00003.19009,570.00

As usual, I added $5,000 of fresh funds to the portfolio. Return YTD recovered from -11.55% in March to -5.48% in April. XIRR YTD was -15.91% and XIRR since inception recovered to 2.22%. Equity allocation was 79.83% at the end of April. Total dividends received in April was $280.42.

DateSecurities NameFCYSGD
1-Apr-2020Tassal Group Ltd260.77226.48
15-Apr-2020Carlsberg Brewery Malaysia Bhd166.4253.94

Link to Yaruzi's low cost portfolio as of April 2020.

Friday, April 17, 2020

March 2020 - Yaruzi's Portfolio Update

Fear gripped the market in March as COVID-19 spread globally and took its toll. Stock markets all over the world kept hitting limit down and forced the FED's hand to announce an unprecedented stimulus. My heart went for the most vulnerable in the society. With the economy shutting down, these group of people lost their source of income. I think Singapore is rather fortunate as our government has been prudent in managing the country's finance and has the necessary reserves to tide us during this difficult time.

I have been preparing myself for a time such as this and March presented a good buying opportunity. I was on purchasing spree and used almost $185k from my war chest. I also took a small position in an inverse ETF for hedging when the market rebounded. Portfolio return YTD was -11.55% at the end of March and XIRR YTD was -39.45%. XIRR since inception was at 0%, practically giving back all the profits accumulated since 2015. Equity allocation was at 76.88%, cash and equivalent was at 19.51%.

9-Mar-2020Royal Dutch Shell PLC-BBuyGBP480.000013.06536,271.32
12-Mar-2020Gudang GaramBuyIDR1,600.000044,400.000071,040,000.00
12-Mar-2020Kalbe FarmaBuyIDR67,000.00001,055.000070,685,000.00
12-Mar-2020Diageo PLCBuyGBP275.000024.31236,685.88
12-Mar-2020Unilever PLCBuyGBP165.000038.10006,286.50
12-Mar-2020Berkshire Hathaway BBuyUSD37.0000180.17116,666.33
12-Mar-20203M CoBuyUSD49.0000136.07996,667.92
13-Mar-2020Heineken Malaysia BhdBuyMYR2,000.000021.843043,686.00
13-Mar-2020Tencent HoldingsBuyHKD100.0000341.800034,180.00
13-Mar-2020Alibaba Group HoldingsBuyHKD300.0000183.200054,960.00
13-Mar-2020Parkwaylife REITBuySGD3,000.00003.09009,270.00
16-Mar-2020Carlsberg Brewery Malaysia BhdBuySGD1,000.000019.962019,962.00
17-Mar-2020Parkwaylife REITBuySGD3,200.00002.84009,088.00
18-Mar-2020Royal Dutch Shell PLC-BBuyGBP670.00009.30906,237.03
18-Mar-2020Capitaland Mall TrustBuySGD4,800.00001.91009,168.00
18-Mar-2020Facebook IncBuySGD47.0000141.55006,652.85
20-Mar-2020Indofood CBP Sukses MakmurBuyIDR8,600.00008,349.709371,807,499.98
20-Mar-2020Unilever IndonesiaBuyIDR13,600.00005,275.000071,740,000.00

I received a total dividends of $1,113.58 in March from First REIT and Royal Dutch Shell. The cut in dividends should be expected with companies preserving cash to stay solvent.

DateSecurities NameFCYSGD
13-Mar-2020First REIT887.95887.95
25-Mar-2020Royal Dutch Shell PLC-B133.24225.63

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