I was swamped with work and had difficulties finding time to update the blog.
In May, I added another $3,000 into my low cost portfolio. Total investment made YTD into the low cost portfolio was $66,000. I also took the opportunity of weaker USD & HKD in early May to buy the currency, because I plan to buy the following ETF:
1. Vanguard FTSE Asia ex Japan High Dividend Yield Index ETF (HKD denominated, listed in HKSE, code: 3085 HK)
2. iShares Core MSCI World UCITS ETF (USD denominated, listed in LSE, code: IWDA LN)
To diversify the time of purchase, I decided to buy the ETF with the lower PE ratio first, which was the Vanguard ETF (3085 HK). I kept the USD cash ready to purchase the iShares ETF (IWDA LN).
The portfolio value was actually down slightly due to market sell off in end May. However, when converted to SGD, there was forex gain as USD and HKD actually strengthened during market sell off.
Link to Yaruzi's low cost portfolio as of May 2015
Thursday, July 2, 2015
Monday, June 15, 2015
May 2015 - Unit Trust Portfolio Update
With some funds doing well and others experienced pull back, I did a number of transactions for minor re-balancing. Looking at the overall portfolio, I felt my equity holdings were too low and I intended to increase the allocation gradually over time.
Weighted return as of May 2015 was 8.78% and it had been trending down compared to Jan 2015.
I predicted the weighted return would continue to trend down before stabilizing, as I expected stock market to have further pull back. Total return was 3.58% as of May 2015.
Below were the summary of my transactions in May:
1. Bought
United Emerging Markets Bond Fund $1,000.00
3. Switched
HGIF Brazil Eqty SGD Cl AD to Fidelity China Focus A SGD $1,849.02
4. Reinvested Cash Dividends received
Nikko AM Shenton ShortTerm Bond(S$) $458.29
Link to Yaruzi's unit trust portfolio allocation as of May 2015
Weighted return as of May 2015 was 8.78% and it had been trending down compared to Jan 2015.
I predicted the weighted return would continue to trend down before stabilizing, as I expected stock market to have further pull back. Total return was 3.58% as of May 2015.
Below were the summary of my transactions in May:
1. Bought
United Emerging Markets Bond Fund $1,000.00
Schroder ISF Gb Div Max A DIS SGD $2,000.00
First State Dividend Advantage $2,000.00
2. Sold
United Gold & General Fund $2,123.14
3. Switched
HGIF Brazil Eqty SGD Cl AD to Fidelity China Focus A SGD $1,849.02
4. Reinvested Cash Dividends received
Nikko AM Shenton ShortTerm Bond(S$) $458.29
Link to Yaruzi's unit trust portfolio allocation as of May 2015
Saturday, May 23, 2015
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.
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.
Friday, May 15, 2015
April 2015 - Low Cost Portfolio Update
I decided to name my 2nd portfolio as low cost portfolio to better reflect it's strategy. On 23rd of April, I add $3,000 to the portfolio, and planned to make regular contribution to the portfolio in the subsequent months.
Link to Yaruzi's low cost portfolio allocation as of April 2015
Link to Yaruzi's low cost portfolio allocation as of April 2015
Friday, May 8, 2015
April 2015 - Unit Trust Portfolio Update
There was re-organization in my company and I got a new boss and expanded role. I was rather busy with work and basically didn't touch my portfolio in April.
Link to Yaruzi's unit trust portfolio allocation as of April 2015
I collected $593.97 in cash dividend, that I'll need to re-invest. My portfolio was holding steady despite the volatile market.
Link to Yaruzi's unit trust portfolio allocation as of April 2015
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