Author: CoryLogics

Cory Diary : Fibonacci Extensions Self-Learning

Fibonacci ExtensionsFirst to say I am no expert and trying to learn by myself Fibonacci Extensions. Why ? Simply it is one of few key tools we can time our sell trades. For people who are not new to stock trading, there will be time when our stock just runaway after we sold. So when to sell can be useful. When stock hits high when is best time to sell ? Valuation point ? Macro condition ? Tool ? Tips ? Supports and Resistances ? Using Fibonacci Extensions can be one of a good way but surely not always the right...

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Cory Diary : What does XIRR 6.8% Annualized return looks like ?

When we have $10,000 and annual returns of like 5%, it seems to take forever to achieve financial freedom. However Freedom is about going through the learning experiences. The anxiety of market dynamics. The building up of portfolio. The compounding of what one has. Here’s a chart of 6.8% Annualized growths mean in green. Not going to lie is easy but is not improbable either. Talking to myself mode. Continue to stay nimble, invest what I can sleep on, cut loss, study financial report, use a bit of TA, don’t go on margin, reasonable margin of safety, logical diversification...

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Cory Diary : Asset Allocation 20170604

My heart screaming to write something today and decided to do a clean up / review my asset allocation.Here’s the pic. From the chart, if we are to total up MMF and Deposits, that 26%. MMF is Money Market Fund ready for investment. If I am to surrender my Insurance, that will boost to 31% which matches my Equity allocation. However I am unlikely to do that. Nevertheless, this is the War Chest. At 26%, is still a little high. I need to lower Deposits allocation to 20% but may need to reserve this bullet. Bonds and Preference 13%...

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Cory Diary : Portfolio Updates 20170527

Charting in Excel is quite fun. Just figure out I can do a reverse of my Radar Chart. Be warned, will need to take a new dimension at looking it. The reverse radar overcomes concentration in the center and put more emphasis on stocks that occupies higher allocation than the others in the middle.   My trades already hit 74 YTD which is about half year mark and I am enjoying the process of allocation and divestment. Increased my SSB ( Bond ) allocation with new funds. For more diverse and stable income. Upped Ascendas and Lippo Reits some....

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Cory Diary : The Law of Growth – Population

Singapore Population growth has seen some increase prior to the last election. Since then we have seen a more gradual growth. I would say outcome of the last election result in securing the 70% votes.I personally have been a proponent of quality of life rather than GDP growth. But is when the growth starts to slow down and stock market of local dependent economy starts to pinch that we start to feel the impact of it because one of the most important metric to watch for growth is Population Growth. Let’s face it. Singaporeans are not replacing themselves. If...

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Cory Diary : Time Dependent Performance – Part 2

I feel like very old man keep reminding myself about pitfalls in investment with data. Because many experts out there are giving questionable data and I need to make my own judgement including when I read my own blog in context. And I encourage people always do the same. Don’t take word at face value.Part 1 here’s the link http://corylogics.blogspot.tw/2017/05/cory-diary-time-dependent-performance.html 2nd Part is the continuation of STI performance being marketed. As said earlier, the common figure of 7% annualized (including div) is at this time frame. If we are to use a time machine and zoom back to Oct’2007,...

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Cory Diary : Time Dependent Performance

Often people ask for annualized returns over the entire investment horizon of index or fund. This is wrong simply each human investment lifespan is limited to their relevant period and changes as we age. How the world managed financially 100 years ago, 50 years ago, 30 years ago and today can be very different too. Depending when we are investing actively determines our performance during this periods. For myself, the active investment period is about few years before the global financial crisis till ongoing now. That’s 10-12 years mark. Therefore, it is meaningless to me when fund promote their...

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Cory Diary : 2017 Q2 May Dividend Income Update

Most if not all my SG Portfolio has Ex-dividend this week. This year is special as that they were all within expected range which points to sustainability of the the Dividends.For the 5 months of 2017, dividends in bag is $20,109. I am excited on the final figure at year end ! Dividend Income To get the effect of how much growing dividends can be collected see below Cumulative chart. Patience is Everything. Has come a long way of investment...

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Cory Diary : Singapore Tax Rate to Taiwan

Two things cannot escape in life. Death and Taxes. How do we compare with other countries in taxes ? Since i do not have more in-depth knowledge of most, I will do a rough estimate between Taiwan and Singapore. Taiwan has a model kind of similar to some western countries in concept. In Taiwan, the medical and other benefits portion are funded separately and not part of the annual income tax. Nevertheless employees paid for it as part of the deductible in their salary. For simplification we will exclude them. Similarly we will not include Employer CPF contribution and...

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Cory Diary : Net Worth 20170514

As I expand my Sg Equity size, feel is time to track the amount in my Net Worth chart. However data is not much but have to start somewhere. ( Yellow ). The effort is zero other than initial setup one time. This will give me guidance on my equity size relative to other lines. Also did a one time adjustment starting on Jan’16 by removing my Property Net Asset out from the Blue line. Reason being they are not liquid for cash flow supports which is short term in nature. The other reason is the valuation is not...

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Cory Diary : Sector Investment

To start with, there is no deliberate attempt to manage by sector in my portfolio. But unwittingly, I like to have stability, growth and risk factors to consider.Not surprisingly I should see “Fixed Structure” type of returns, Stable growth that tag to local economy, Broad based diversification through index, basic staples/necessity, dividends investing needs, emergency fund parking and some spots picking. Glance through some charts and got this Treemap chart in excel on my portfolio data. I like this representation a lot. This tell my Finance is under represented though mitigated by Index. Hope you like this sharing. Have...

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Cory Diary : Cory Ideal Singapore Portfolio

Has been playing with Excel for sometime and surprise i could do below. Not sure what you call this chart. What I like is it tells me my investment categories and exposure by segment, and by counter in a stroke. Take me sometime to absorb the picture at first but it becomes clearer after from the grouping. The rings are the investment sizes. Here’s the breakdown on what I thought to start with towards what a Million Portfolio will look like after by year end. Yield will be around 4.6%. Do you see any risks or concern ? The...

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Cory Diary : XIRR Performance – Interim Q2 2016 May Update

The Market for REITs have been exciting for this period of results announcement and media has been reporting good returns of a number of strong Reits. So is this ride ending ? Apparently the decision this week not to increase rate by Fed seems has no clear felt impact to the market as it will likely be on next. I have been holding tight on what I have and waiting …. . During this time I have done more blogging instead.As there are 5 more dividends counters waiting to be Ex-div so I will just leave that for next...

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Cory Diary : Do REITs take back more than they give ?

REITs have been in SGX for long time. Despite that people still has concern whether they take more than they give. If I am to invest in REITs obviously the benchmark will not just be more than they take only. They need to give enough back in the form of capital gain or dividends that are way above inflation in total. This concept is pretty simple.REITs Investment Returns = Capital Gain/Loss + Dividends , and Annualized For the sake of a safer example, I will pick a stable REIT CMT. Yes, the one which I have blogged recently. CMT owns...

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Cory Diary : What do people live for?

Saw this from a friend message link. https://www.youtube.com/watch?v=KKXwwEH_ahc Investment is for quality retirement. Don’t retire for sake of it and live like a beggar. Strive for Quality Living. That’s will be the benchmark Once I realized that, things become clear. Investment for Income has become more important so that I have the money to do what I can with my time. But I need to remember too … https://www.youtube.com/watch?v=7Cy73ex6apo Being Rich is not about how much you have but how much you can give. Start small. Happy Labor Day ! Cory 20170501 Let’s block ads!...

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