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