I took the opportunity of recovering market to reduce my equity holdings to 18.09% as of end January. Cash & short term bond allocation increased to 81.91%. Portfolio value increased by $16,301.72 to $706,392.26 with $4,000 from fresh contribution. Profit YTD was 1.77%, XIRR YTD was 23.08%, and XIRR since inception improved to 4.86%.

January was a dry month for dividends. I received total dividends of $278.80.

Link to Yaruzi's low cost portfolio as of January 2018