Author: Dividend Warrior

Dividend Warrior’s Top Defensive REIT

Singaporean parents want their children to become successful and well-paid lawyers, doctors and bankers. Some people do not end up in these top-tier professions. That’s just life. So, what’s the next best thing to do. Well, we can try to milk them for rental income. For example, Mount Elizabeth Hospital and Gleneagles Hospital have some of the best healthcare talents in the region. By investing in ParkwayLife REIT, unit-holders are essentially banking on the earning abilities of specialist doctors and rising demand for better healthcare services. Furthermore, the huge number of Japanese nursing homes in ParkwayLife REIT’s portfolio also...

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Dividend Warrior’s 9M2019 Portfolio Quick Update – $600k Milestone Achieved!

Is it just me, or is the world getting crazier out there? Donald Trump facing impeachment, Boris muddling towards Bexit, violent rioters getting shot in Hong Kong, political tensions escalating between Japan & South Korea. Oh, don’t forget about a teenager lecturing full-grown adults at the United Nations on the subject of global warming and the eventual mass extinction of humans. Meanwhile, fires in the Amazon forest raged on, sending more greenhouse gases into the atmosphere. On the economic front, manufacturing figures and factory output from nations such as China, Germany and Japan continue to trend down. FedEx earnings &...

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How Did Dividend Warrior Transform His Portfolio In The 2016 Bear Market?

My portfolio tends to evolve after every deep market correction as I find ways to improve on it. During the last serious bear market in 2016, I divested those weaker, 2nd-tier REITs such as AIMS AMP, First REIT and Cache Logistics. The raging oil price crisis in 2016 gave investors the perfect opportunity to go big into top-tier REITs as well as the 3 local banks because their valuations were rather beaten down. Too much irrational fear over the banks’ NPL exposure from the O&G sector back in those days. So, I made the transition, believing that I would...

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Dividend Warrior’s YTD Portfolio Performance Snapshot

Everyday, most people have to get up early, get squeezed like sardines on the MRT trains/public buses as they travel to their workplace. They then work non-stop like a machine for half a day, impress their bosses and receive a salary at the end of each month. Lots of people are forcing themselves to do this daily even though they dread it. Why? Well, they need money to support themselves and their families, to fulfill their needs and wants in life. The more needs and wants a person desires, the more income he has to earn. This income earned...

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The Power Of Compounding Dividends & A Mystery Counter Revealed

The Snowball Effect Over Last 5 YearsMy overall portfolio value as well as dividend stream has grown considerably since 2014. Besides injecting fresh capital, consistently re-investing my dividends has started to make an impact. Compounding growing dividends over long periods of time has been the cornerstone of my investing strategy. I believe this strategy is probably one of the best ‘wealth-creating machines’ on earth, especially for the ordinary man on the street. Tried and tested.     Top 10 Core Holdings Are you able to spot the mystery counter?...

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Returns On University Education

Going through the public education system is a rite-of-passage for most Singaporean children. The Singapore education system is highly-regarded world-wide on most measures. School fees are heavily subsidised from kindergarten to Junior College levels. It is generally considered worthwhile for students and parents to ‘invest’ time, effort and money into this glorious 20-year ‘paper chase’. However, the ROIC (Returns On Invested Capital) becomes trickier at the tertiary level. Is it still worthwhile pursuing that part-time degree at a private university like SIM? Many years ago, one of my friends got a degree from SIM after spending close to S$30k...

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Dividend Warrior’s Football ‘Portfolio’ Team (19/20 Season)

This post on my ‘portfolio’ soccer team was one of my most read posts last year. So, I decided to do another one :)This season, I shall be using the 4-3-3 formation. This formation offers the best flexibility in the current low interest rate, slow growth macro environment. The pace and movement of the veteran attackers, support of the fullbacks, and offensive midfielders will combine to overload the opponent’s defence with ‘Power of CD’. I believe this formation can be a massive success if you have the right players to play to its strengths. You can sit back in a...

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Dividend Warrior 1H2019 Portfolio Update – Best Quarter Ever!

Portfolio Cost: S$457, 975Portfolio Market Value: S$593, 943 (+39.2% year-on-year)Portfolio Overall Unrealized Profit: S$135, 968 (+29.7%)Portfolio YTD Unrealized Profit: S$68, 660 (+11.5%)Portfolio XIRR (including dividends): 14.63%Portfolio XIRR (2019): 48.71%Dividends Collected (1H2019): S$13, 410 (+11.6% year-on-year)Current Warchest: S$7, 800 Portfolio Actions in 2Q2019: Initiated positions in APAC Realty, Propnex Group, HRnet Group, F&N and UOB Took SCRIP dividends for OCBC Took SCRIP dividends for Raffles Medical Applied & allocated 1000 units for Frasers Centrepoint Trust’s preferential offering Singapore Market Becoming A Top Hub For REITs Global markets had quite a roller-coaster ride from May to June, right? It had been a...

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Common Mistake 1 – Obsessed Over Market-Timing

Many investors believe that timing the market gives better returns and reduces risk. I am afraid that’s not the case.If you are in your thirties, you can expect to live through roughly 10 more bear markets, big and small, at least. Are you really going to freak out, panic and go fully into cash every time? It makes no sense. Market timing doesn’t work over the long run. It just… doesn’t! Financial advisors and investment managers would try to convince you they don’t do market-timing, but they actually do. They ‘packaged’ their sales pitch in a different way, using...

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Learn From Mistakes Of Others

“By three methods may we learn wisdom. First, by reflection, which is noblest; Second, by imitation, which is easiest; and third, by experience, which is the most bitter” ~ Confucius All investors are hard-wired with human emotions. When we experience failure in our investments, usually it’s self-inflicted, which makes dealing with it objectively a daunting task. One of the best ways of speeding up our learning process is to examine and understand the blunders committed by others. This way, we increase our probability of avoiding similar setbacks. Fro example, one of my golden rules is to avoid S-Chips. After witnessing...

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Dividend Warrior’s 2nd Pot Of Gold Series – BTO Flat Downpayment

Yesterday, I attended an appointment at Toa Payoh HDB Hub and settled the downpayment for my HDB BTO flat using my CPF OA savings. I also paid the ‘Buyer’s Stamp Duty’ as well as conveyancing fees. This is another step closer to owning my first residential property on this lovely tropical island. My second pot of gold!  The entire process took roughly 15 to 20 minutes. Not much verification of documents involved. The important thing is to remember your HDB Portal and CPF log-in passwords and bring along your smartphone/OneKey token. You are required to log into the HDB...

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