February 2020 - Yaruzi's Portfolio Update

What a roller coaster month we had in February. I was up about $14,000 on 7th February and I gave that gains and almost all my 2019 gain back by the end of the month. As the fear of COVID-19 started to spread around the world, the global stock market started to discount the economic impact of the virus. Real business impact will start to show in the Q1-2020 financial reports, and I expect the market to further adjust the overly-optimistic valuation of public listed companies.

Despite the bloodshed in the market, there were many heart warming moments when we saw many little act of kindness and the selfless sacrifices by medical personnels around the world against COVID-19. In Singapore, we're also blessed by the prompt and effective responses of the Singapore Government that contained the spread of the virus rather quickly.

For my friends, readers, and fellow Singaporean, please let me pray God's blessing of protections from Psalm 91:

"He who dwells in the secret place of the Most High


Shall abide under the shadow of the Almighty.

I will say of the Lord, “He is my refuge and my fortress;


My God, in Him I will trust.”

Surely He shall deliver you from the snare of the fowler


And from the perilous pestilence.

He shall cover you with His feathers,


And under His wings you shall take refuge;


His truth shall be your shield and buckler.

You shall not be afraid of the terror by night,

Nor of the arrow that flies by day,

Nor of the pestilence that walks in darkness,


Nor of the destruction that lays waste at noonday.

A thousand may fall at your side,


And ten thousand at your right hand;


But it shall not come near you."

As the market corrected, I nibbled the shares of some companies I have been eyeing for a while now.

Date	Securities	Action	Currency	Quantity	Price	Total
6-Feb-2020	Raffles Medical Group Ltd	Buy	SGD	9,000.0000	1.0300	9,270.00
7-Feb-2020	Raffles Medical Group Ltd	Buy	SGD	9,000.0000	1.0200	9,180.00
24-Feb-2020	Unilever Indonesia	Buy	IDR	11,000.0000	7,325.0000	80,575,000.00
28-Feb-2020	Indofood CBP Sukses Makmur	Buy	IDR	8,000.0000	10,150.0000	81,200,000.00
28-Feb-2020	Hanjaya Mandala Sampoerna	Buy	IDR	50,000.0000	1,655.0000	82,750,000.00
28-Feb-2020	Gudang Garam	Buy	IDR	2,000.0000	50,500.0000	101,000,000.00
28-Feb-2020	Unilever Indonesia	Buy	IDR	12,000.0000	6,725.0000	80,700,000.00
28-Feb-2020	Kalbe Farma	Buy	IDR	66,000.0000	1,215.0000	80,190,000.00

Total portfolio value dropped to $875,928.42 despite $30,000 fresh fund injections. Return YTD was -4.31%, XIRR YTD -23.95%, and XIRR since inception was on all time low of 2.80%. Equity allocation was at 58.24% with the rest in short term bonds and cash, which I will utilize as war chest when market trades lower. I received a total dividends of $165.36 for the month.

Date	Securities Name	FCY	SGD
28-Feb-2020	Capitaland Mall Trust	130.62	130.62
28-Feb-2020	Capitaland Commercial Trust	34.74	34.74

Link to Yaruzi's low cost portfolio as of February 2020

January 2020 - Yaruzi's Portfolio Update

I received a sad news from a close family friend in January, two weeks before Chinese New Year. Our dear friends lost their beloved and only son due to sickness. While I believe wholeheartedly that their son is in a better place now with the loving Lord, I knew it wouldn't be easy to both parents. It'd been a roller coaster for the family as their son went through a few cycle of getting better and worse during the treatment. As friends, my wife and I could only offer our sincere prayer and support during their difficult time. We prayed that our dear friends would continue to receive strength to keep their faith.

In January, I sold Telstra Corporation Limited, making a little profit of 1.57% (CAGR 0.73%) inclusive of dividends after holding for 2 years and 2 months. The reason for selling was to rebalance my portfolio to the telecommunication sector. I also made 2 purchases below.

Date	Securities	Action	Currency	Quantity	Price	Total
13-Jan-2020	Ace Hardware Indonesia Tbk	Buy	IDR	62,000.0000	1,465.0000	90,830,000.00
24-Jan-2020	SATS	Buy	SGD	2,000.0000	4.8400	9,680.00

I contributed a fresh fund of $5,000 and ended up the month with a total portfolio of $885,804.47. Return YTD was 0.05%, XIRR YTD was 0.6%, and XIRR since inception was 4.51%. Equity allocation was 54.65%, and I received total dividends of $1,142 from Singtel.

Date	Securities Name	FCY	SGD
10-Jan-2020	Singtel	1,142.40	1,142.40

Link to Yaruzi's low cost portfolio as of January 2020

December 2019 - Yaruzi's Portfolio Update

Honestly, I wasn't expecting 2019 to be a good year when it started. But hey, the rally in December seemed to lift everything up. My portfolio ended the year with a rather decent result. YTD return of 5.04%, XIRR YTD of 5.97% and XIRR since inception of 4.63%. I received $13,464 in dividends and made $42,266.89 in profits. Total portfolio at the end of 2019 was $880,357.44, about $120,000 shy of the $1M mark.

I made no transaction in December and was receiving $1,776.97 in dividends. Equity allocation stood at 54.13% and the remaining 45.87% in short term bond and money market.

Date	Securities Name	FCY	SGD
3-Dec-2019	Takeda Pharmaceutical	52,781.00	658.87
17-Dec-2019	First REIT	887.95	887.95
20-Dec-2019	Royal Dutch Shell PLC-B	130.79	230.15

While if feels good growing our investment assets, there are still people around us that are not so fortunate and may require our help. Friends, if you come across them, please do lend a helping hand. Last, but not least, I wish everyone a Happy New Year and a great 2020. 

Link to Yaruzi's low cost portfolio as of December 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.

Date	Securities	Action	Currency	Quantity	Price	Total
1-Nov-2019	Hanjaya Mandala Sampoerna	Buy	IDR	47,000.0000	2,130.0000	100,110,000.00
7-Nov-2019	Gudang Garam	Buy	IDR	1,900.0000	53,000.0000	100,700,000.00
14-Nov-2019	ComfortDelgro	Buy	SGD	7,800.0000	2.3250	18,135.00

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.

Date	Securities Name	FCY	SGD
29-Nov-2019	Capitaland Mall Trust	128.52	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

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.

Date	Securities	Action	Currency	Quantity	Price	Total
25-Oct-2019	ComfortDelgro	Buy	SGD	8,300.0000	2.4100	20,003.00

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

Date	Securities Name	FCY	SGD
1-Oct-2019	Tassal Group Ltd	260.77	242.57
31-Oct-2019	Heineken Malaysia Bhd	747.04	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