Author: GlobalPassiveIncome

Nov 2019- Monthly Finance Update (hit record high with my investment portfolio)

Nov was a good month as my investment portfolio hit record high at 1.1 mil due to the record stock market which also boost my liquid networth to another new high. With that in mind, I am turning caution for the coming month by keeping my liquid networth at 30% cash. In Nov, I reinvest some of my dividend to increase my stakes in existing overseas counters BPY(+200) . IMBBY (+100) and KNOP(+200) in my portfolio. BPY is my largest holding which is a reit run by one of the largest asset management company Brookfield Asset Management (BAM). The...

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Oct 2019- Monthly Dividend,Interest and Finance Update

In Oct , another of my bond ( Sabra Health Care) was called early due to FED lowering interest. As Corporation can get a lower interest for issuing a new bond, they will redeem the old one with higher interest. I am expecting this to be the new norm and this has forced me to take more risk to invest in dividend stock or reit.  I sold off AVVIY after gaining 25% but the gain was offset by another SGX stock (LKH) which I sold with a loss. It was one of the dead wood stock I own for...

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Give yourself a raise/bonus through dividend investing and Sep 2019- Monthly Finance Update

Given the current economic situation going into a recession, most of us might see our salary increment freeze or bonus cut again.. Even during normal economy cycle, the salary increment is most unlikely to match inflation. Very often , salary increment comes in at average 3% or below and a promotion raise of 5 to 10% if you are lucky. In some industries like telecom and O&G, some of my ex-schoolmates have been complaining that they have not received increment or bonus for ages. Some even have to take a pay cut to stay on the job. Nobody likes...

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Having extra payday through dividend investing and Aug 2019- Monthly Finance Update

It has been 7 months since I started this blog to keep track of my overall investment. One particular metric that I look at is the dividend/interest I received every month  Monthly dividend/interest. I noticed my dividend and interest are paid on the 1st week , last week and in the middle of every month. It is great to know that I am having extra 3 payday beside my regular monthly salary 😃 . It comes like a clockwork that my brokerage and bank accounts are credited with extra income while I am probably sleeping.Another perk to keep investing...

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July 2019- Monthly Dividend,Interest and Finance Update (With advance dividend payout)

Based on my 12 months projected D&I spreadsheet, July is one of those quiet month that I did not expected  much income from SGX. However,  I have a surprise advance dividend payout from Cromwell and trading gain from portfolio rebalancing which boost my total passive income  to above 7K. In July, I have swapped my preferred BPYPP to its mother share BPY. BPY is a REIT and its parent company is the largest  asset management company BAM. The reason for the swap is that preferred BPYPP actually incurred a 30% withholding tax despite being registered in Bermuda. However, its...

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Projected passive income for the next 12 months -Semi Annual Review

As I am planning for my retirement ,it will be useful to know my projected monthly passive income that I can generate from my investment portfolio and interest received from my cash account. This is like knowing what you will be receiving from your monthly paycheck from your regular job. Once we have some kind of assurance of our payout, we can plan our expense around what we received and not overspend during our retirement. As everyone know, most of my investment are in bonds , reits & preferred stocks.These investments have quarterly, monthly and semi-annual payout depending on...

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June 2019- Monthly Dividend,Interest and Finance Update

My investment portfolio rebounced strongly in June which keep my liquid networth above 1.5 million SGD. In June, My US investment portfolio generated a total dividend and bond interest  USD$2925 My Spore investment portfolio generated a dividend and bond interest of SGD $2105 Total dividend and interest from my investment portfolio + bank/money market account generated SGD 6752. In June, I have added a new ETD AQNB which yield 6.2% (200 shares) . As for local SGX market, I have no trading as reits valuation continue to be elevated.. With the June my portfolio, my projected annual yield from...

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May 2019- Monthly Dividend and Finance Update. First correction to my portfolio in 2019

After 4 months of gain in 2019, my investment portfolio has started to perform negatively in May. I am expecting correction to come any times soon as the market can’t go up every month. Any correction is good since I have quite a sizeable warchest to deploy to achieve my target of generating 100K SGD passive income.. In May, My US investment portfolio generated a total dividend and bond interest  USD$1985.7. My Spore investment portfolio generated a dividend of SGD $1936 Total dividend and interest from my investment portfolio + bank/money market account generated SGD 5415. In May, I...

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Apr 2019 – Dividend and Finance Update. Another record month of passive income in 2019.

On the income side of things, April was great with record dividend and interest received from my US portfolio of Preferred,bonds and ETD. This is due to large capital injection from 2018 Nov to 2019 Feb.My US income portfolio generated a total dividend and interest  USD$3457 in April. Total dividend and interest from my entire portfolio generated SGD 5837. My liquid networth in April 2019 also increase to > SGD 1.5 million due to strong valuation gain from my stock/bond and contribution from my stock option sales. In Apr, I have taken a few position in new preferred stock ...

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Mar and Q1 2019- Dividend and Finance Update

Mar 2019 continues to be a great month for my income portfolio with a total dividend and interest  SGD$6742 collected. My liquid networth in Mar2019 also increase due to strong valuation gain from my stock/bond and contribution from my stock option. In Mar, I only taken small position in some preferred stock (RLJ-A 7.7% yield) and BPRAP (6.375% yield)  in my US IRA account which was created when I used to work in the US. Not much  opportunity to add any more US bonds or reits as high market valuation due to FED interest rate hold has limited my...

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KEY BOND INVESTMENT CONSIDERATIONS

Recently, I found some old notes that I have summarized from various sources I have read on bond investment 6-7 years ago. These notes are more detail than the earlier articles that I have written on US Corporate Bonds Investment in my blog and I found these notes helpful for better understanding . These notes are applicable for all types of bonds investment. I will be sharing these notes in the next few articles on bonds investment. WHAT ARE BONDS?  A bond is a debt security, similar to an I.O.U. When you purchase a bond, you are lending money...

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Feb 2019 – Dividend and Finance Update.

Feb 2019 continues to be a great month for my income portfolio with a total passive income SGD$4540 collected. My liquid networth in Feb 2019 also increase due to strong capital gain from my stock/bond and contribution from my salary bonus. It was a great recovery from my Oct to Dec 2018 decrease in networth growth. In Feb, I only taken small position in some preferred stock (RLJ-A 7.7% yield) and MLP (KNOP 10% yield)  for my foreign investment as high market valuation has limited my option for further purchase.  As for local SGX market, I bought another 10...

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2019 Monthly Projected Income from my foreign investment

Most of my foreign investment are bonds , reits & preferred stocks.These investments have quarterly, monthly and semi-annual payout depending on the investment instruments. Therefore, it is quite easy to work out my estimated dividend and interest payouts every month throughout the whole year. As I am planning for my retirement soon, I would like to know my projected monthly income. This is like having a regular paycheck from your regular job. Once we have some kind of assurance of our payout, we can plan our expense around what we received and not overspend during our retirement. It takes...

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