Recent Buy - Low Cost Portfolio

Bought First REIT - 2500 shares at SGD 1.205 on 2 September 2015

With this purchase my low cost portfolio has achieved the targeted 60:40 equity vs bond allocation.

I will adjust my equity allocation according to the following plan:
STI < 1500, equity allocation up to 90%
STI 1500 - 2500, equity allocation up to 80%
STI 2500 - 3500, equity allocation up to 60%
STI > 3500, equity allocation up to 40%

Don't Waste Our Life On The Pavement

"The twelve gates were twelve pearls: each individual gate was of one pearl. And the street of the city was pure gold, like transparent glass." - Revelation 21:21 NKJV

"Don't waste our life on the pavement" was the powerful sermon message I came across this morning. It reminded me on what our true purpose in this world was What are we living for? Are we living just to eat our bread of toil? To pile up the gold and the treasures? One day, the gold we fight so hard for our whole life, will be worthless. Because we'll walk over the pavement made of pure gold, if our names are found in the book of life.

Or in the financial blog term, to build the war chest? What will happen if the Alpha and the Omega decided our time is up, before we can use our war chest? Or worst, before we get to enjoy the result of successful deployment of our war chest ...

Yes, as long as we live, we'll need the bread, the gold, and the treasures. They're the mean, but they're not the destination. So let's remind ourselves, not to get too fixated with them, or even worship them. There is a higher calling for each of us, like showing care to the people we love and people we don't.

By the way, I just got to know a new friend, Derek, from TheFinance.sg. I felt very honored to have my blog added in his web site. I have also added the link to TheFinance.sg in my blog roll.

Happy Sunday All.

Recent Buy - Low Cost Portolfio

I've been in shopping mood as there is a great sale going on.

For my low cost portfolio, I was buying:
1. iShares Core MSCI World UCITS ETF (IWDA LN) - 230 shares at USD 41.29 on 21 Aug
2. Capitaland Commercial Trust - 2400 shares at SGD 1.275 on 24 Aug.

My low cost portfolio allocation as of 24 Aug is 57% equity - 43% bond. My allocation target is 60% equity - 40% bond, which mean I have a little bit more room to add to my equity holdings.

July 2015 - Low Cost Portfolio Update

Market continued to sell off in July. Indeed as of 21 Aug 2015, it seemed clearer that the global stock market had started to peak in April (see table below). While some people might feel stress looking at the paper loss in their portfolio, I'm actually rather excited as I've been waiting for such time and opportunity to come. It's been a while since I last saw STI traded below 3000 points.



As of 31 July 2015, my low cost portfolio was down -6.48% in weighted annualized basis. Portfolio allocation was 40% stocks, 40% bonds, 20% cash. Portfolio performance was supported partly because of the strengthening of USD and HKD.

I made my regular contribution of $3,000,00 to the low cost portfolio. Total investment as of July $72,000.00. I received a distribution of $100.80 from United SGD Fund Cl A (Dis), which I reinvested back to the fund.



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

New Blog Links Added

It's about 8 months since I started blogging. During this time I have also learnt and received feed backs and suggestions from other financial bloggers. Amongst the blogs available, I like to read the following blogs:

• Singapore Man of Leisure - I like this blog for it's witty and at times "cryptic" write-up that raised critical questions which will stimulate the readers thought process. 

• Lady You Can Be Free - No nonsense blog of a lady, who showed that financial independence could be achieved, by taking responsibility on our own finances and investment decision. The lady's experience also showed that we needed patience before we could reap the fruit of success. 

• A Singaporean Stock Investor - Another no nonsense blog that taught us how to achieve financial success by making smart decision with our finance. A lot of in-depth analysis to ensure the money we spent for living or investment were based on sound decision making process.

I felt that there were valuable lessons we could pick from the above blogs, and I have added them into my blog roll with the permissions from respective blog owners.

Thank you Jared, Lady, and AK for allowing me to add your blog links. Keep up the good work.