Author: Miss Niao's Financial Journey (and other random stuff)

October 2018 – Portfolio Updates

So 11.11 happened over the weekend and usually I’ll be stuck in front of my PC trying to find good deals. For this year though, I didn’t buy a single thing nor went to any website to look for something, for the sake of buying something. It just felt like I didn’t need anything, and I am thinking if it’s related to my minimalistic approach to stuff now. The cycle goes something like this. The less I purchase, the more I know what I need, and I can be selective with my money. And being a natural cheapskate towards...

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Expenses Review – Q3 Y2018

So I’ve been kind of going through a rough patch in my life recently, and was pretty inactive in the blogosphere for the last month. I think it was kinda reflected in my previous post that I wasn’t really okay, but I guess… that it’s okay not to be okay sometimes! Life isn’t supposed to be as picturesque as how everyone paints it to me, and I would very much rather my blog show not only the good, but also the bad experiences that I go through. Which is why I always blog about my failures, and constantly thinking...

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September 2018 – Portfolio (and Personal) Updates

Two more months before the year comes to an end, and I’ll officially be 28. I try to keep my blog posts mostly related to my investment journey, but there’s always some random (and more personal) stuff that goes on in my life which is still pretty blog worthy, so I talk about them to express myself. And perhaps allow my rantings in my writings to come through to others who are feeling the same way. Have you ever felt like you’ve been trying to please others since forever? Wanting to agree and compromise, and accept the other person...

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August 2018 – Portfolio Updates

With AEM as the newest addition to my portfolio from the beginning of August, things have gotten quite… volatile. Time weighted return (YTD): -4.11% against STI ETF of -2.88% XIRR (YTD): -5.92% It was not surprising that my portfolio dipped again towards the end of the month as the prices of Valuetronics and AEM mostly reduced back closer to their intrinsic values, and my buying prices. This month has also been rather nice on the collection on dividends with most of the companies announcing their earnings for the 2nd quarter of the fiscal year. Just this month alone, almost...

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The Ups and Downs of Electronic Stocks – Valuetronics

I have added some stocks that are in the electronics sector recently in my portfolio, namely Valuetronics and AEM. When I bought them, it was when Mr Market was very unhappy and beaten down their stocks badly. Needless to say, since I can’t predict how things will turn out, the price of both stocks have also decreased by double percentage points in my portfolio after I bought them. Yet amazingly, within just three days, both have also risen up to be green currently. 17 August 2018 See more of my portfolioAlthough I do have some emotional capability of holding stocks...

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6D5N Yogyakarta Hiking Trip On A Budget – Day 5 & Expenses (Part 3)

For all trip-related posts, navigate here: Part 1: Arrival @ Yogyakarta, Dinner @ Superman Restaurant, 2D1N Hiking Part 2: Goa Jomblang (Heaven’s light), Goa Pindul (Cave tubing) Part 3: Borobodur Temple, Nglinggo Tea Plantation, House of Ramiten, Malioboro Street We’re down to the last day of my Yogyakarta trip before we fly back to our sunny island the next day. Here’s Day 5 of my trip and my activities for the day. I’ll also be posting my itinerary details and expenses breakdown at the end of my post. If you want me to show you the money right now, click...

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6D5N Yogyakarta Hiking Trip On A Budget – <SGD$1000 ALL-IN! (Part 2)

For all trip-related posts, navigate here: Part 1: Arrival @ Yogyakarta, Dinner @ Superman Restaurant, 2D1N Hiking Part 2: Goa Jomblang (Heaven’s light), Goa Pindul (Cave tubing) Part 3: Borobodur Temple, Nglinggo Tea Plantation, House of Ramiten, Malioboro Street In the previous post, I blogged about the first 3 days of our trip and how we managed to reach the summit of Mount Merbabu. We continue with more touristy (and relaxing) activities from Day 4 onwards. Day 4 Despite being crazy shag after our hike to the summit of Mount Merbabu, we woke up early and set off at 7am...

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July 2018 – Portfolio Updates

The second half of the year has started and it looks like things are becoming less bleak in the stock market. Through much volatility in the past few months, Mr. Market (a.k.a STI) has recovered slightly back to where he had started from the beginning of 2018, with its time-weighted return coming up at -0.33%, and an actual decrease of 0.94% (From 3489.45 to 3281.36). My portfolio is not too far away, though I was expecting to do better than the STI. It now has -4.74% in terms of time-weighted return. XIRR is at -8.33% omigosh. (Dated 1st July…...

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6D5N Yogyakarta Hiking Trip On A Budget – <SGD$1000 ALL-IN! (Part 1)

TLDR? Click here to skip the blog post and head to the stuff that matter! A friend of mine is heading back to Sarawak to further her studies. Us, being good friends, have decided to plan a trip together before she goes back for good (~3 years). We don’t know if she might find a boyfriend and get married in 2020, so it would be better insurance to spend quality time now to go on a hiking trip together. I’ve got to say that this trip was so tiring. Out of 5 nights, we had to wake up at 3am...

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Expense Review – H1 Y2018

July has been an insanely busy month for me. I had to travel overseas twice in a single month for the first time. The first trip was for business, and in fact, my very first one too. I went to China to meet up with some other Shanghai colleagues to attend a “camp”. From there, I’ve visited our in-house factory and see for myself how the products that I had been developing are made and assembled together. Makes my job more fulfilling to see how my contributions are materialized. 10 days after landing in Singapore from China, I’m repacking...

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June (H1) 2018 – Portfolio Updates

What a crazy ride 2018 was for the stock market! Since the massive bull run in 2017, Mr Market has decided to be humble and come back down to Planet Earth. My portfolio has also under-performed the STI by some margin. I pulled out some numbers from my blog to do a comparison: January: STI ETF @ 4.14% V.S. Time weighted returns @ 4.88% February: STI ETF @ 3.56% V.S. Time weighted returns @ -0.87% March: STI ETF @ 0.91% V.S. Time weighted returns @ -2.29% April: STI ETF @ 7% V.S. Time weighted returns @ 1.56% May: STI ETF @...

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First Sell Trade – Divested Indofood Agri

It takes conviction to buy a stock, but it takes courage, and some guts to acknowledge your mistake and do what is necessary, even if your heart has to break a little. I have made the decision to cut my losses, and divested 27,000 shares of Indofood Agri at 25.5 cents each. This has translated to a 30.9% loss of my initial investment of 37 cents, and in turn became a 6.44% realized loss off our entire portfolio. I remember blogging about why I bought the stock in the first place, and here are the 3 points to justify...

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May 2018 – Portfolio Updates

Two “disadvantages” of buying stocks that are not very popular are that… They are virtually illiquid (very low trading volume) The spread (bid/ask) price of the stock is immensely huge. Unlike the famous stocks that people buy in the STI (e.g. Singtel), where the spread can be just 1 cent, stocks like Keong Hong and Tat Seng Packaging can drop a few percentage points in 1 day of trading. Needless to say, the smaller (yet, maybe not cheaper) the price of the stock, each spread will also affect the price more. A mere 0.5 cent movement in the current...

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How I Save 70% Of My Take Home Pay – Cash Flow Review (Q1 2018)

Technically not Q1, since we are already almost halfway through 2018. But because of… you know, priorities, I decided to wait for 2 more months before I did a review of my cash flow. Hey wait, should I call this a trimester update instead of a quarterly one then? :p #randomthoughts As you might already know, in annual reports, there is a place where the cash flow statement is at. It basically, well… shows how cash flows in a business or company. I mean, it is pretty self explanatory, isn’t it? If cash is managed properly in a business,...

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April 2018 – Portfolio Updates

I haven’t been blogging as much as I should. Giving myself and my readers a reason not to blog because I don’t have time is just meh. I can’t help having priorities. Work has piled up again and the politics at my workplace are getting more conspicuous. Not something very much within my control but I try to avoid conflict as much as I can. My boss gave me a decent grading this year. I’ve received my bonus in April! It always comes as a surprise to me because my income is suddenly boosted and the income/expense chart becomes out...

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