The final scorecard for my low cost portfolio is out. XIRR for 2016 was 7.85% and XIRR since inception increased to 5.25%. Total dividend in December was HKD 1,795.51 and GBP 74.28. This brought total dividend for 2016 to $3,665.85. The portfolio started with a value of $107k in January and ended in December with a value of $505k. Most of the portfolio growth came from re-investment of proceeds from Unit Trust portfolio liquidation (~$279k) and fresh fund injection ($98k). Net profit was $20K from both capital gain and dividends. I have 2 buy transactions in December:

• Singtel 1100 shares @ $3.65
• Ascott REIT 3600 shares @ $1.135

I'm grateful that God allows my investment portfolio to exceed the targeted 4% long term return in 2016. I'm also glad that my investment portfolio reached the half million mark for the first time, which ......