Singapore Jubilee - Prayer for My Nation

God's blessing for Jubilee (Triple Harvest):  "Then I will command My blessing on you in the sixth year, and it will bring forth produce enough for three years. And you shall sow in the eighth year, and eat old produce until the ninth year; until its produce comes in, you shall eat of the old harvest." - Leviticus 25:21-22 NJKV

I pray that God will bless Singapore and all my fellow Singaporean so:

1. You will be blessed in the city and blessed in the country.

2. The fruit of your womb will be blessed, and the crops of your land and the young of your livestock—the calves of your herds and the lambs of your flocks.
3. Your basket and your kneading trough will be blessed.
4. You will be blessed when you come in and blessed when you go out.
5. The Lord will grant that the enemies who rise up against you will be defeated before you. They will come at you from one direction but flee from you in seven.
6. The Lord will send a blessing on your barns and on everything you put your hand to. The Lord your God will bless you in the land he is giving you.
7. The Lord will establish you as his holy people, as he promised you on oath, if you keep the commands of the Lord your God and walk in obedience to him. Then all the peoples on earth will see that you are called by the name of the Lord, and they will fear you.
8. The Lord will grant you abundant prosperity—in the fruit of your womb, the young of your livestock and the crops of your ground—in the land he swore to your ancestors to give you.
9. The Lord will open the heavens, the storehouse of his bounty, to send rain on your land in season and to bless all the work of your hands. You will lend to many nations but will borrow from none.  
10. The Lord will make you the head, not the tail.

May Singapore continue to achieve greater happiness, prosperity and progress. We love you Singapore, God bless Singapore !!

July 2015 - Unit Trust Portfolio Update

The rout in equity market continued in July. Amongst the hardest hit were:

1. Commodities related sector especially oil and gold.
2. Countries that had heavy reliance on oil export such as Brazil, Russia, etc.
3. Gold and oil mining companies.

Taking advantage of the market weaknesses, I added equity allocation during the month of July.

Below were the summary of my transactions in July 2015:
1. Bought

First State Dividend Advantage $6,000.00
FTIF-Templeton Global Fd A(acc) SGD $6,000

2. Sold
United SGD Fund Cl A Acc (SGD) $20,004.61

Weighted annualized return as of July stood at 2.58%, a significant reduction compared to 6.36% return in June. An important factor that supported the portfolio resiliency in July was the bumper dividend received, which amounted to $760.63.

Despite the "so-so" return I should be grateful as I was able to sleep tight during the market rout, while some other investors/traders were having sleepless night, depression, or even committing suicide.

Link to Yaruzi's unit trust portfolio allocation as of July 2015

Goal Review in May and June 2015

1. Read 2 chapters of bible every day.
I was rather disorganized in these 2 months, but on average I read bibles 5-6 days a week in these 2 months. I gave myself 77% for these 2 months. There were many useful lessons one can learnt from God's word. I needed to ensure I had the discipline, so I didn't miss the valuable lesson.

2. Exercise 4 x 45 minutes every week.
It was school holiday, and I was spending time and enjoying life with the kids and my wife. I was relaxing too much and not pushing myself hard enough to keep with my exercise routine. On average I was only achieving 60% of my goal in this area in May and June.

3. Reduce my weight by 5 kg, from 78.5 kg to 73.5 kg.
My weight surged back up to above 78 kg with the holiday and eating out. Fortunately I was able to bring it back to 77.8 kg by end June. Score as of June remained at 14%.

4. Save $90K, and use the fund to grow my investment portfolio from $265K to $355K.
I continued my contribution regularly, $3,000 in May and another $3,000 in June. Total fresh fund invested ytd: $74,000. Score as of June was 82%.

5. Achieve 4% return on my investment on average weighted basis.
I had a mixed result in this area. My unit trust portfolio YTD return was 8.78% in May and 6.36% in June on annualized basis. While my low cost portfolio YTD return was 1.6% in May and -2.08% in June on annualized basis. I believed both portfolio need more time before I could gauge the long term return rate more accurately.

Due to increase commitment in other areas of my life, I may have lesser time to blog. Next goal review will be done on a quarterly basis.

June 2015 - Low Cost Portfolio Update

The market continued selling off in June. I sat tight and watching closely for buying opportunity. I added another $3,000 in June into the portfolio. I also sold some United SGD Fund Cl A (Dis), in preparation to purchase more equity ETF.

My low cost portfolio YTD was down 1.91% on weighted annualized basis. Of course, this drop was pale compared to the drop in major equity indexes around the world, especially the China SSE index.



Link to Yaruzi's low cost portfolio as of June 2015

June 2015 - Unit Trust Portfolio Update

Equity market corrected further in June as I forecast-ed in my May update. I continued to re-allocate my portfolio by adding more into equity funds. Weighted return as of June 2015 was 6.36%.

Below were the summary of my transactions in June 2015:
1. Bought

Fidelity China Focus A SGD $2000.00

First State Dividend Advantage $12,500.00

2. Sold
United SGD Fund Cl A Acc (SGD) $13,953..58

Link to Yaruzi's unit trust portfolio allocation as of June 2015