Author: Yaruzi's Learn 2 Live

July 2017 – Low Cost Portfolio Scorecard

Contrary to what I was anticipating in June, global equity market kept edging up in July. STI broke 3,300 resistance in July, while Dow Jones recently reached all time high at 22000. Indeed nobody knows what the future hold. Instead of trying to look into the crystal ball, I believe a successful investor should plan and ready to execute the plan according to the events unfolding. Total portfolio value was $591,206.28 as of end July. Return YTD was 4.58%, XIRR YTD was 8.47%, and XIRR since inception was 6.78%. Portfolio equity allocation was 44.50%, while bond/cash allocation was 55.50%....

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June 2017 – Low Cost Portfolio Scorecard

Finally, market seemed to take a breather in June. This could be a very initial stage for a short term equity market correction in a rather long bull run. Prices were still inflated, but I would be an eager buyer if equity market was to correct by 20% or more. I received total dividends of $966.77 (excluding DBS dividend) in June. I opted for DBS scrip dividend, which entitled me to received 5 DBS shares. Date Securities Name FCY SGD 1-Jun-2017 Hugo Boss (EUR) 104.16 161.27 8-Jun-2017 Perusahaan Gas Negara (IDR) 67.44 67.44 8-Jun-2017 Malayan Banking Berhad (MYR) 506.25...

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May 2017 – Low Cost Portfolio Scorecard

It’s been five month since my last equity purchase. For the past five months, I was just sitting tight and collecting dividends as the market continued to go up. May was a bumper dividends month for me, as I received a total dividends of $1,494.91: GBP 18.10 from British Land Co Plc EUR 66.28 from Bayer Motoren WK MYR 474.33 from Heineken Malaysia Bhd MYR 596.17 from Carlsberg Brewery Malaysia Bhd JPY 9,215 from Toyota Motor Corp GBP 46.69 from Greggs PLC EUR 32.89 from Deutsche Bank $108 from Starhub $108 from Keppel Corp $60 from Sembcorp Industries $53.50 from First REIT $300...

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April 2017 – Low Cost Portfolio Scorecard

As market continue it’s momentum to the upside, return YTD was inching towards 3.42%, while XIRR YTD was 11.51% and XIRR since inception was 7.31% as of end April 2017. A significant injection of fresh fund of $36,000 was made in April. April is also a month with bumper dividends. Total dividends and interests received were $880,86 from: AUD 116.54 from Telstra Corporation Limited GBP 42.63 from BP PLC HKD 1,288.31 from HSBC Holdings Plc HKD 229.80 from Vanguard FTSE AS EUR 73.39 from Daimler AG HKD 990.40 from PCCW CNY 144.68 from CSOP China Ultra Short Term Bond ETF $94.40 from...

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March 2017 – Low Cost Portfolio Scorecard

My low cost portfolio continued to do well in March 2017. Return YTD as end of March was 2.24%, XIRR YTD was 9.56%, and XIRR since inception was 6.4%. Total dividends received in March was $434.92: $274.34 from Capitaland Retail China Trust GBP 34.16 from Royal Dutch Shell PLC-B GBP 58.67 from BHP Billiton PLC The month of March was also the month of rights issue. I applied for a total of 2100 rights (1,044 rights and 1,056 excess) from Ascott Residence Trust, and I was granted 1,900 rights at $0.919 per unit. I also applied for the rights...

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February 2017 – Low Cost Portfolio Scorecard

Boring market with no buying opportunity, so I do not have much to update. The only consolation in February was bumper dividend. I received a total of SGD 1,001.29 in dividends in February. I received dividends from the following: GBP 27.52 from BT Group PLC USD 59.74 from ABF PAIF GBP 18.09 from British Land Co PLC SGD 328.60 from STI ETF SGD 112.56 from Capitaland Commercial Trust SGD 53.25 from First REIT SGD 63.00 from Starhill Global REIT SGD 158.12 from Ascott REIT SGD 120.96 from Capitaland Mall Trust Total dividends received as of 28 Feb 2017 was...

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January 2017 – Low Cost Portfolio ScoreCard

I had been super busy with work and didn’t really have the time to update my portfolio. From the way this year started, it seemed I would have less time to blog this year. January 2017 started with a bang. My portfolio grew by a decent SGD 7,379.14 including dividend. Return YTD was 1.46%, XIRR YTD 18.61%, and XIRR since inception at 6.68%. Will the portfolio grow in this rate for the remaining of the year? I doubt it will. I received dividends of: SGD 95.20 from Singtel HKD 309.96 from Vanguard FTSE AS High Dividend I have no...

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December 2016 – Low Cost Portfolio ScoreCard

The final scorecard for my low cost portfolio is out. XIRR for 2016 was 7.85% and XIRR since inception increased to 5.25%. Total dividend in December was HKD 1,795.51 and GBP 74.28. This brought total dividend for 2016 to $3,665.85. The portfolio started with a value of $107k in January and ended in December with a value of $505k. Most of the portfolio growth came from re-investment of proceeds from Unit Trust portfolio liquidation (~$279k) and fresh fund injection ($98k). Net profit was $20K from both capital gain and dividends. I have 2 buy transactions in December: Singtel 1100...

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November 2016 – Low Cost Portfolio Scorecard

Many medias spread fears during the US president election, by injecting a market sell-off expectation should Donald Trump became the elected president of US. What happened eventually was the reverse. Markets rallied strongly, especially US. DJI is just a few points away from 20,000 psychology resistance. Even the lackluster STI breached 2900 as a result. Will the rally continue in 2700? Only God knows! My part is to stick with the plan and probably be slightly defensive in my portfolio management. As a result of the rally in equities, low cost portfolio XIRR YTD was 7.4% as of 30...

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October 2016 – Low Cost Portfolio Scorecard

Low cost portfolio XIRR YTD was 6.82% as of 31 October 2016, while XIRR since inception was 3.66%. In October, I injected $4,000 fresh fund and I received: 7 DBS shares from DRIP (Dividend Reinvestment Plan). HKD 1,417.42 dividend from Vanguard FTSE Asia Pacific High ex Japan Dividend ETF HKD 423.79 dividend from CNOOC CNY 144.77 distribution from CSOP China Ultra Short Term Bond ETF HKD 210.88 dividend from Sinopec Engineering I also bought a REITS and stocks in Oct to increase my equity allocation: Starhill Global REIT 5000 shares @ $0.81 Starhub 1200 shares @ $3.36 Telstra (TLS.AX) 760...

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Parable of The Monkey Guru

OK, ok I made up this one, so enjoy … One of the villager read Parable of The Monkey Business posted by Yaruzi and realized that the whole things were rigged, and that monkey market manipulation occurred all the time. Based on this fresh revelation, he tried hard to sniff every movement of the monkey boss syndicate. He bought when he sensed hidden buying by the syndicate and sold when they secretly sold. He had some success but at times he got burnt too, as the syndicate was too sophisticated in covering their operations. This particular villager figured out that...

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Parable of The Monkey Business

The story below was not written by me, and some of you may have come across it. Nevertheless, there is useful lesson in it. Here it goes.   Once upon a time… in a village, a man appeared and announced to the villagers that he would buy monkeys for $10 each.   The villagers, seeing that there were many monkeys around, went out to the forest and started catching them.   The man bought thousands at $10 and, as supply started to diminish, the villagers stopped their effort. He further announced that he would now buy at $20 for...

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September 2016 – Low Cost Portfolio Scorecard

My low cost portfolio received a significant injection of cash from unit trust portfolio liquidation. A total of $221,000 was added in the month of September alone. Because of the cash injection, equity allocation decreased from 47% to 26%. To re-balance the portfolio, I planned to make a number of purchases with the intention to increase the equity allocation gradually to around 50% in the next few months. The September purchases increased my equity allocation from 26% to 33%: Sembcorp Industries 1500 shares @ $2.69 M1 1600 shares @ $2.53 PCCW (0008.HK) 5000 shares @ HKD 5.01 BT Group...

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How Does Yaruzi’s Low Cost Portfolio Stack Up?

I was curious on how my low cost portfolio has performed, compared to similar fund managed by professional fund managers. As my portfolio was incepted on 30 March 2015, I used 2 year annualized return of balanced funds for bench-marking. Balanced fund invest in both equities and fix income. The result is rather encouraging, as my portfolio rank #14 and beat 70% of professionally managed balanced fund (see table below). Balanced funds that was less than 2 years were excluded. On a YTD basis, my low cost portfolio with return of 9.76% will rank #4 and beat 94% of...

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