Author: Life and Finance

List of books that I’ve read over the years

Happy New Year! “I shall read one good book in 2020 and reread 2 of my old books”. That is one of my personal development goals for 2020″. To be honest, I have always told myself to write about what I learnt/liked after reading the books but never got around to doing so. Looking back, I have always entered the bookstore – Kinokuniya either because I happened to be in the mall or that I had a sudden motivation to grab a book. While I do still enjoy a good fiction book, all the books that I have read so...

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2019 Dividend Income and Portfolio Update

CapitaLand Mall Trust: $30.60 Total dividends in 2019: $364.33 Average dividends per month: $30.36 Current Portfolio Stock Shares Current Market Value (Based on closing prices on 06/12/19)  Total Paper   Return(dividends and capital gains/losses)  CapitaLand Mall Trust 1000 $2510.00 +$766.19 CDL Hospitality Trusts 800 $1304.00 +$402.42 Singtel 600 $2058.00 +$52.00 Nikko AM STI ETF 686 $2279.03 +$405.90 $8151.03 $1626.51 Update:  Received dividends of $30.60 from CapitaLand Mall Trust on 29 November. Overall Portfolio Value increased by $185.10 (based on closing prices on 06/12/19) as compared to August Portfolio...

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Dividend Income and Portfolio Update – August

Nikko AM STI ETF: $41.29 Singtel: $64.20 CDL Hospitality Trusts: $33.28 CapitaLand Mall Trust: $29.20 Total dividends in 2019: $333.73 Average dividends per month: $27.81 Current Portfolio Stock Shares Current Market Value (Based on closing prices on 29/8/19 ) Total Paper   Return(dividends and capital gains/losses)  CapitaLand Mall Trust 1000 $2630.00 +$855.57 CDL Hospitality Trusts 800 $1272.00 +$370.42 Singtel 600 $1890.00 -$116.00 Nikko AM STI ETF 686 $2173.93 +$300.80 $7965.93 +$1410.79 Update: Received dividends of $41.29 from Nikko AM STI ETF on 15 July. Received dividends of $64.20 from Singtel on 15 August. Received dividends of $29.20 from CapitaLand Mall Trust on...

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2018 Dividend Income and Portfolio Update

December 31, 2018 Dividends CapitaLand Mall Trust: $29.20 Total dividends in 2018: $370.47 Average dividends per month: $30.87 Current Portfolio Stock Shares Current Market Value (Based on closing prices on 28/12/18)  Total Paper   Return(dividends and capital gains/losses)  CapitaLand Mall Trust 1000 $2270.00 +$421.97 CDL Hospitality Trusts 800 $1168.00 +$193.54 Singtel 600 $1764.00 -$347.00 Nikko AM STI ETF 686 $2174.14 +$218.76 $7376.14 +$487.27 Update:  Received dividends of $29.20 from CapitaLand Mall Trust on 30 November. Overall Portfolio Value decreased by $245.22 (based on closing prices on 28/12/18) as compared to August Portfolio Update. Total Paper Return decreased by $207.30 (based on closing prices...

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Dividend Income and Portfolio Update – August

Dividends Nikko AM STI ETF: $34.44 Singtel: $64.20 CDL Hospitality Trusts: $34.48 CapitaLand Mall Trust: $28.10   Total dividends so far in 2018: $341.27 Average dividends per month: $28.44   Current Portfolio Stock Shares Current Market Value (Based on closing prices on 31/8/18) Total Paper   Return(dividends and capital gains/losses)  CapitaLand Mall Trust 1000 $2140.00 +$262.77 CDL Hospitality Trusts 800 $1248.00 +$273.54 Singtel 600 $1938.00 -$173.00 Nikko AM STI ETF 686 $2295.36 +$331.26     $7621.36 $694.57 Update:  Received dividends of $34.44 from Nikko AM STI ETF in July. Received dividends of $64.20 from Singtel, $34.48 from CDL Hospitality Trusts and $28.10...

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Dividend Income and Portfolio Update – June

Dividends CapitaLand Mall Trust: $27.80 Total dividends so far in 2018: $180.05 Average dividends per month: $15.00 Current Portfolio Stock Shares Current Market Value (Based on closing prices on 5/6/18) Total Paper   Return(dividends and capital gains/losses)  CapitaLand Mall Trust 1000 $2090.00  +$184.67 CDL Hospitality Trusts 800 $1344.00 +$327.06 Singtel 600 $1968.00 -$207.20 Nikko AM STI ETF 686 $2442.02 +$452.20 $7844.02 +$756.73 Update:  Received dividends of $27.80 from CapitaLand Mall Trust.   Overall Portfolio Value increases by $21.47 (based on closing prices on 5/6/18) as compared to the previous Portfolio Update.  Paper losses in Singtel extends to -$207.20 from -$159.20 as compared to the previous...

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Dividend Income and Portfolio Update

Dividends CDL Hospitality Trusts: $40.96 CapitaLand Mall Trust: $11.60 Nikko AM STI ETF: $40.89 Singtel: $58.80  Total dividends so far in 2018: $152.25 Average dividends per month: $12.69 Current Portfolio Stock Shares Current Market Value (Based on closing prices on 9/3/18) Total Paper   Return(dividends and capital gains/losses)  CapitaLand Mall Trust 1000 $2020.00  +$86.89 CDL Hospitality Trusts 800 $1344.00 +$335.06 Singtel 600 $2016.00 -$159.20 Nikko AM STI ETF 686 $2420.55 +$430.73  $7800.55  +$693.48 Update:  Purchased 600 shares of CapitaLand Mall Trust at $1.98 on 14/2/18, therefore increasing the total shares owned to 1000.  Overall Portfolio Value increased by $916.18 as...

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2017 Dividend Income and current Portfolio

In October last year, I tabulated my investing portfolio for the first time and wrote about it here: My portfolio at 23 years old. I started investing because I wanted better returns on my extra cash(it’s not the cash in my emergency funds) than just leaving it inside the bank account while I was going to be in National Service. I did not start investing because I wanted dividend income but as I read on, I was inspired by the financial bloggers in Singapore. So how much did I receive for 2017? CDL Hospitality Trusts: $66.10 CapitaMall Trust: $44.56 Nikko...

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My portfolio at 23 years old

It has been a little over 2 years ago that I started reading into stocks and bought a few stocks. As a university student now, I lack the financial capital as before and priorities are now different. As such, I don’t find myself trying to read as much as before, but I’m glad the habit of reading the posts on thefinance.sg has stuck with me.  So these are my current stocks:  Stock Shares Current Market Value  (19/10/2017)  Return (dividends and capital gains/loss)  CDL Hospitality Trusts 800 $1296.00 +$255.30  CapitaMall Trust 400 $820.00 +$75.44 Singtel 600 $2250.00 +$26.00 Nikko AM...

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Why I picked up a new language

About 1.5 years ago, I signed up for Japanese language classes. Due to NS, I could only commit weekly classes but I was always looking forward to the class on the weekend. In April this year, I went to Japan. No, you don’t have to actually learn Japanese to get around in Japan. That was not my real purpose in learning Japanese. Instead, I wanted to learn something new and exciting to get over the mundane routine in NS. I also viewed it as building resilience as attitude to learning is always the biggest factor. Some Japanese was still...

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January is coming to an end

When we were asked what we look forward to in the new year, all of us (NSFs) in the unit replied in unison, “ORD!”. The first month is coming to an end soon. It’s been also a year since I started this blog and tracked my finances. In that process, one observation was clear. Your career is the single most important source of building wealth We are told by our parents to study hard and get a degree. Nobody says getting a degree guarantees will give you high income, but nobody is going to deny the fact that working...

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2016’s Reflection

2017 is coming in a little less than 1 month! Hence, it’s time for a reflection to see how I fared throughout 2016. It’s also time to take stock of all my growing up years and plan ahead for 2017. On human capital, In 2016, nothing has changed.I graduated from polytechnic in 2015 and I have less than a year now to completing my National Service. I have been thinking about furthering my studies and it’s an answer that I am still unclear of even after a year into NS. Do I apply for full-time university or join the...

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Value-for-money: Kinokuniya or Booksdepository

Meet Kinokuniya and Books Depository. The former has physical brick-and-mortar and online stores while the latter is solely an online retailer. For all the book lovers out there, I am sure these are some of the places we go in order to satisfy our book cravings. Kinokuniya was where I picked up my first book on investing. I summarised some of my thoughts on that book here. Since then, I have bought at least 6 other books on investment and other genres that cost at least $200 in total from Kinokuniya. Book lovers should also know that Kinokuniya is...

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My Insurance Policies

Too expensive. A waste of money. I don’t need insurance. I don’t know how much I’m covered. My parents bought insurance for me and handles it.  These are just some of what people say. I’ve had some friends who said that when the topic is broached. Insurance isn’t easy to understand at all! So many policies, so many insurers. To be honest, I’ll still choose to let my parents handle it all. But I’m no longer a little boy. I took it upon myself to understand all my policies that my parents bought and which are the policies that I bought...

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Thoughts on the Book: A Random Walk Down Wall Street

Random Walk One in which future steps or directions cannot be predicted on the basis of past history Around late last year, I sat down with my first ever book on investing/finance: A Random Walk Down Wall Street. I didn’t know what to expect then. At its core, the book says you should just buy index funds and make it the core of your portfolio, manage it passively. Of course, then buy some individual stocks if you want the excitement. In other topics which stood out the most to me, The Fitness Manual presents exercises such as: You must start to save...

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