Finally I Pass!

It has been a gruelling 2 months for me to prepare for my exam. I failed on my 1st attempt on 1 Feb, but I manage to pass today on my 2nd attempt. My life was in suspended mode during this time. It's a relief that it's finally over before the next one comes.

Why is this exam important? Because in my experience, human capital is (more) important, especially when we're in the midst of building our investment assets. More to write, but until then I'll just be grateful for the Lord's blessing and enjoy a mind celebration with my loved ones.

January 2016 - Unit Trust Portfolio Update

My unit trust portfolio dropped -2.43% YTD as of end January. Not a surprise, considering the sell-off we're seeing since the beginning of the year. I didn't expect that the portfolio would be resilient enough. I received cash dividend of $1,009.84.

No transactions in January.



Link to Yaruzi's unit trust portfolio allocation as of Jan 2016

Recent Buy - Low Cost Portfolio

Bought DBS 300 shares @ $13.19

Target allocation ratio equity vs bonds 60:40 reached. If STI falls to 1500-2500, targeted allocation will be 80:20.

January 2016 - Low Cost Portfolio Update

Happy Chinese New Year All! May God bless you with His abundant love.

"But seek first the kingdom of God and His righteousness, and all these things shall be added to you." - Matthew 6:33 NKJV

If you read my previous post, you'd know I bought Singtel & Venture in January. 2016 YTD return was -4.37%.  I received dividend of HKD 189.85 from Vanguard FTSE Asia ex Japan High Dividend ETF, and $26.08 distribution from United SGD Fund Class A (Dis), I also injected another $3,000 to the portfolio.

I'm expecting to receive more cash dividend in February. Equity vs fix income allocation ratio was at 56:44. Singapore and Hong Kong stock price looked very attractive to me and I'd be looking to continue buying in the coming months.



Link to Yaruzi's low cost portfolio as of Jan 2016.

Great Chinese New Year Sale!

Have you ever experienced that feeling when you wanted to buy something, but you couldn't afford it? You walked off and you passed the same shop every day, hoping that you could eventually afford it some day. How would you react when the shop put a sign "SALE: 20% OFF SELECTED ITEMS + 4% CASH REBATE"? You started to contemplate, but again you walked off, hoping that the shop will offer greater discount next month. The following week, the shop put another sign "SALE: 40% OFF ALL ITEMS + 6% CASH REBATE". Would you still walk off or jump into the shoppers queue?

I guess if you have been waiting to buy something that you always dream of, you will eventually jump at the opportunity.You will probably be more worried, if the items go out of stock, than getting more discount by waiting another week. 

That's exactly how I felt these recent weeks. I've been wanting to increase my exposure to equity since I started this journey 3 years ago. Back then, I just felt the price was not too attractive with major stock indexes at their all time high and any dip barely touch 10% before the major stock indexes recovered and reached new all time high. Frankly, I've been waiting for the fire sale to happen!! I've been buying into equities if you follow my previous posts, and I really pray that the sale will not end so soon as I will be injecting fresh funds over the coming months.

It's strange how human mind works. Things we do right when we shop, we'll do just the opposite when it comes to investing. Instead of getting excited, we're paralyzed when market is being generous. Penny wise pound foolish, heh?

There are a few posts I want to write, but I'll be pretty occupied in the next few weeks as I'm preparing for exam. So pardon me, if you don't see me too active in updating the blog. Oh ya, I also added a link to the Rolf Suey, another blogger friend. You can find the link at the blog roll section. Do visit his page to pick a cent or two.