Author: Yaruzi's Learn 2 Live

January 2017 – Yaruzi’s Portfolio

We’re about 1 week into Chinese New Year. Geez man! As in my previous post, the STI hitting 3600, triggered me to rebalance my portfolio as I needed to bring down my equity allocation to below 40%. I sold VanEck Vectors Gold Miners UCITS ETF (+8.34%), Deutsche Bank (+41.61%), Hugo Boss (+68.05%),  Bayer Motoren WK (+37.62%), SIA (+10.70%), and Capitaland Commercial Trust (+55.3%). Their individual CAGR was between 6.92% and 48.7% with average holding period of about 1.5 years. As of end January, my equity holding was 35.53% of the portfolio. The remaining 64.47% was in short term bonds and cash. Total portfolio increased to $660,991.46 after profit and $4,000 fresh...

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Rebalancing and The Crystal Ball

Most major index in US and Europe are at all time high from DJI, S&P, Nasdaq, FTSE, and DAX. In Asia itself, Nikkei, Hang Seng, KOSPI are no different. STI had not broken its all time high, but it managed to close slightly above 3600 a few days back. Based on my pre-defined rebalancing rule, I need to reduce my equity allocation to between 30-40% when STI is trading between 3500-3750. Therefore I started selling some of my equity holding: VanEck Vectors Gold Miners UCITS ETF (+8.34%), Deutsche Bank (+41.61%), Hugo Boss (+68.05%),  Bayer Motoren WK (+37.62%), SIA (+10.70%), and Capitaland Commercial Trust (+55.3%). Their CAGR was between 6.92% and 48.7%...

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2017 Was A Better Year

I was comparing the total portfolio value according to my personal spreadsheets vs the total portfolio value in my POEMS statements and found a significant difference in amount reported. POEMS statements showed a higher total portfolio value compared to my own spreadsheets. I had to go through the numbers again to find where the difference came from. Apparently I made a few mistakes when updating the portfolio since October 2017, as I forgot to update the increase in quantity of Fullterton Short Term Interest Rate Fund C. I also overstated total fresh fund added into portfolio, which was $88,000...

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December 2017 – Low Cost Portfolio Update

The year 2017 finally came to a close and it’s the time again to look back and review how the portfolio was doing. Total portfolio value was $505,296.85 at the beginning of the year and it ended at $632,480.22 in December. Total fresh fund injected was $90,000 and total profit for the year was $37,183.37 including the dividends received. YTD return was 6.25%, XIRR YTD was 6.72%, and XIRR since inception was 6.16%. Nothing to shout about the portfolio return when a number of blogger investors were making double digit percentage return in 2017. However, I personally was satisfied...

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November 2017 – Low Cost Portfolio Scorecard

A very delayed update on the portfolio as I was away for vacation with my family. Having an enjoyable vacation was a privilege and I thank God for His grace. In a week time, I’d be having another portfolio update for December 2017. Geez, how fast time passed! I was forced to sell one of my best performing stocks: Venture Manufacturing. I thought it was a great company, but the price surged too fast compared to the fundamental. I also felt there was too much optimism in the technology sector at the moment, which I didn’t like. I kept...

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October 2017 – Low Cost Portfolio Scorecard

Total portfolio grew to $625,243.18 by end October 2017. Return YTD was 6.46%, XIRR YTD was 8.40%, and XIRR since inception was 7.04%. It was a slow month for dividends in October. I injected $12,000 fresh fund to the portfolio and received $673.31 in dividends. I subscribed to Capitaland Commercial Trust rights issue and managed to get a total of 900 units, including excess. Date Securities Name FCY SGD 10-Oct-2017 Greggs PLC (GBP) 22.06 39.43 12-Oct-2017 Heineken Malaysia Bhd (MYR) 316.11 100.81 12-Oct-2017 Carlsberg Brewery Malaysia Bhd (MYR) 86.27 27.51 13-Oct-2017 PCCW (HKD) 416.95 71.84 13-Oct-2017 CNOOC (HKD) 707.69...

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Recent Sale – Venture Manufacturing

Selling Venture Manufacturing 600 shares @ $21.090. Recent for selling: 1. Reading news over the weekend that Jeff Bezos was cashing out on his Amazon shares. Insiders selling may indicate short term peak for IT / technology related stock. 2. The recent parabolic run. I’m especially uncomfortable with the gap up since the opening today. It seemed there were many people that became too optimistic with its recent good result announcement. 3. As I worked in IT / technology, I understand it’s a cyclical sector. Many companies are sold with the trendy buzz word around digitalization, public cloud, software...

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September 2017 – Low Cost Portfolio Scorecard

The portfolio value finally broke $600,000 mark in September. As usual, a $4,000 fresh fund was injected to the portfolio. Return YTD was 5.92%, XIRR YTD was 8.44%, and XIRR since inception was 6.98% as of 30th September. Total dividends received was $1,324.27. Date Securities Name FCY SGD 06-Sep-2017 BT Group PLC (GBP) 60.54 106.44 20-Sep-2017 Capitaland Retail China Trust 310.88 310.88 20-Sep-2017 Royal Dutch Shell PLC-B (GBP) 32.06 58.20 25-Sep-2017 HSBC Holdings Plc (HKD) 616.93 106.24 26-Sep-2017 BP PLC (GBP) 39.80 72.21 28-Sep-2017 DBS 105.27 105.27 28-Sep-2017 UOB 70.00 70.00 28-Sep-2017 BHP Billiton PLC (GBP) 58.04 105.39 29-Sep-2017...

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August 2017 – Low Cost Portfolio Scorecard

August turned to be another month with bumper dividends. Monthly dividends reached a new record high and broke the record high set in May. Total dividends of $1,992.86 received. Date Securities Name FCY SGD 4-Aug-2017 ABF PAIF (USD) 64.88 87.93 8-Aug-2017 British Land Co PLC (GBP) 18.09 32.03 8-Aug-2017 Keppel Corp 72.00 72.00 8-Aug-2017 M1 83.20 83.20 8-Aug-2017 SIA Engineering 168.00 168.00 14-Aug-2017 Chow Tai Fook (HKD) 1,670.90 289.57 16-Aug-2017 SIA 44.00 44.00 16-Aug-2017 STI ETF 201.60 201.60 17-Aug-2017 Singtel 267.50 267.50 22-Aug-2017 Global Logistic Properties 132.00 132.00 25-Aug-2017 Ascott REIT 184.59 184.59 25-Aug-2017 Capitaland Commercial Trust 109.44 109.44...

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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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