Sunday, December 22, 2019

November 2019 - Yaruzi's Portfolio Update

Portfolio return YTD dipped to 3.52% at the end of November, likewise XIRR YTD dipped to 4.74% and XIRR since inception dipped to 4.22%. Total portfolio increased to $862,421.64, after an additional cash contribution of $10,000.

I did a couple of purchase in November, increasing my holdings in Indonesian tobacco companies and ComfortDelgro. I also sold all my Daimler AG holdings at EUR 52.85, above my average purchase price of EUR 47.0155. It gave me a total profit of $2,404.02 (CAGR 11.24%), including dividends received over the years. I sold because I'm rather concerned about the level of debt that Daimler had and it's worsening cash flow, which raised the question if it's future dividend would be sustainable. It also had a new CEO after the previous CEO, Dieter Zetche, retired in May. I was just not too sure yet if the new CEO had what it took to make Daimler a healthier company.

1-Nov-2019Hanjaya Mandala SampoernaBuyIDR47,000.00002,130.0000100,110,000.00
7-Nov-2019Gudang GaramBuyIDR1,900.000053,000.0000100,700,000.00

In November, I received total dividends of $128.52 from Capitaland Mall Trust. This brought up total dividends YTD to $11,687.21 or about $973.93 per month.

DateSecurities NameFCYSGD
29-Nov-2019Capitaland Mall Trust128.52 128.52 

Time flew fast and we're at the end of 2019. It felt like it's just started. While we may enjoy investing and see our portfolio grow, I think our life is too short for not spending our time with our love ones. "For God so loved the world that He gave His only begotten Son, that whoever believes in Him should not perish but have everlasting life." - John 6:13 NKJV and His beloved Son's Name is Jesus, the Christ.

I wish all of my blogosphere friends, a Very Merry Christmas and a Happy New Year 2020! God loves you and bless you, my friends ...

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

Sunday, November 17, 2019

October 2019 - Yaruzi's Portfolio Update

I started with my new employer in October. I met new colleagues and was trying to settle in the new place. There were many things to learn about the new company and I needed to make a few adjustments like going to the office earlier than usual.

In regards to my portfolio, I made some changes. I sold off BT Group PLC, taking a loss of 18.46% after dividends. I also sold SIA Engineering, making a profit of 7.16% after dividends. I added 8300 ComfortDelgro, increasing my total holding to 10500 shares at average purchase price of $2.3890.


I received dividends of $484.53 in October, bringing total dividends to $11,558.69 YTD

DateSecurities NameFCYSGD
1-Oct-2019Tassal Group Ltd260.77 242.57
31-Oct-2019Heineken Malaysia Bhd747.04 241.97

Portfolio value was $856,279.43 at the end of October. Return YTD was 4.03%, XIRR YTD was 5.86%, and XIRR since inception was 4.52%.

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

Saturday, October 19, 2019

September 2019 - Yaruzi's Portfolio Update

It's finally the time I bid my farewell to my colleagues and team members. I brought them out for drinks and we enjoyed the night. Then I spent the last week of September with my wife, exploring Singapore and hunting good meals. It's a good break before I started in the new workplace.

There was a sell-off on tobacco company in Indonesia due to plan by the government to increase excise by 23% early next year. I bought some Hanjaya Mandala Sampoerna and Gudang Garam during the sell-off. I didn't smoke, so the decision to buy the shares was purely an investment decision.

17-Sep-2019Hanjaya Mandala SampoernaBuyIDR90,000.00002,283.0000205,470,000.00
17-Sep-2019Gudang GaramBuyIDR2,000.000055,110.0000110,220,000.00

Total portfolio was $850,221.73 as of end September and I injected $20,000 fresh fund. Equity allocation was at 53.28%, with the remaining in short term bond and cash. Return YTD was 3.3%, XIRR YTD was 5.52%, and XIRR since inception was 4.39%. I received total dividends of $3,455.27 in September, with largest contributors came from China Mobile and First REIT.

DateSecurities NameFCYSGD
9-Sep-2019BT Group PLC189.83 322.43
17-Sep-2019First REIT887.95 887.95
25-Sep-2019Royal Dutch Shell PLC-B33.59 57.45
26-Sep-2019China Mobile11,502.45 2,014.08
27-Sep-2019Telstra Corporation Limited186.40 173.37

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

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