Goal Review in March & April 2015

1. Read 2 chapters of bible every day.
There were weeks when I was lacking of self discipline. On average I was reading bible 6 days a week, so my average hit rate ~ 85%.

2. Exercise 4 x 45 minutes every week.
With travelling and a new role in my job, it's difficult to keep up with the regular exercise routine. It's tough to continue with exercise when I reached home late and tired after working longer hours. I could only fulfill 50% of my target during March and April. I really hope I can get back to where I was in May 2015 after I get used to with the new role.

3. Reduce my weight by 5 kg, from 78.5 kg to 73.5 kg.
With lack of exercise, working longer hours, and eating more, I wasn't surprise my weight was creeping back up to 77.4 by end March and 77.8 kg by end April. Score: 14%.

4. Save $90K, and use the fund to grow my investment portfolio from $265K to $355K.
I received bumper bonus and managed to contribute $60,000 in March and $3,000 in April. Total fresh fund added to investment portfolio by end April was $68,000 or around 75% of $90K target. As I mentioned in my previous email, I'm channeling any new fund to my 2nd portfolio (low cost portfolio). I have stopped contributing fresh fund for my unit trust portfolio, though I still re-invested cash dividends received.
Total investment value on both portfolio as of end April was $338,478.68.

5. Achieve 4% return on my investment on average weighted basis.
My unit trust portfolio return by end April was 10.52% on average weighted basis, while the low cost portfolio that I just started in March gave a return of 3.39% on average weighted basis. Though the low cost portfolio return was below 4%, I'm not sweating over it as it needed more time to reflect the long term expected market return.