Author: Yaruzi's Learn 2 Live

Recent Buy – Indofood CBP Sukses Makmur & Telekomunikasi Indonesia

This is a late post. During the sell-off in Asia & emerging markets, I bought some Indonesian stocks on 3rd September 2018: Bought 6200 shares of Indofood CBP Sukses Makmur @ IDR 8,700.00 Indofood CBP Sukses Makmur is a consumer staple company, well known for their instant noodle: Indomie. The company major stakeholder is Anthony Salim, who is one of Indonesia richest man. Their revenue and earnings had been growing year by year and they have low debt. Bought 15400 shares of Telekomunikasi Indonesia @ IDR 3,510.00 Telekomunikasi Indonesia is the largest telco in Indonesia with Indonesia government as...

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August 2018 – Yaruzi’s Portfolio Update

Bumper dividends continued in August, and I received $2,537.50 in total dividends . I watched an interesting insights from a research analyst who warned about financial engineering done by companies. Through share buy back, companies gave false impression of increasing profitability and paid more dividends. All this made possible due to “cheap” loans by central banks globally inflating their balance sheet. Closer to home, it reminded me of Starhub who took loan to pay dividends. Recently they announced a new CEO. However even if he changed the company strategy, the result would not be immediate.I grew uncomfortable with companies...

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Recent Buy – ST Engineering and ComfortDelgro

Bought ST Engineering 1500 shares @ $3.35 and ComfortDelgro 2200 shares @ 2.31. My equity holding was at 34.59% of the total portfolio. Based on a pre-defined allocation goal, I need to increase my equity holding to 40% at the current market level. So I was doing some research over the weekend and shortlisted ST Engineering and ComfortDelgro as good candidates to add. They’re selected because I considered them defensive, less volatile, offer decent dividends, and have relatively low debt. I personally think the market valuation is rather frothy at the moment, especially US, so I’m positioning my portfolio...

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July 2018 – Yaruzi’s Portfolio Update

It’s been 7 months since the start of year and my portfolio has remained flat throughout. I injected $4,000.00 fresh fund into the portfolio and total portfolio value was $676,150.53 as of end July. Return YTD was 0.77%, XIRR YTD was at 1.36% and XIRR since inception was at 5.73%.   Equity allocation was at 34.59% with the rest in short term bonds and cash. My allocation rule will need me to increase equity holdings to 40% at the current market level. This mean I will have some room to add to my equity holdings. I’ve been busy at...

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May & June 2018 – Yaruzi’s Portfolio Update

I was taking a 2 week break from work during the children school holiday. I was grateful that we’re able to spend time with our extended families. I was enjoying the break that I even forgot to look at my portfolio and updated my blog … :-). I learnt that the greatest blessings a man can have is not fame, fortune or long live, BUT a loving God and loving families. It was sad to read how successful men and women ended their own life, eventhough they seemed to have everything according to the worldly standard.   So here...

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Recent Buy – Singtel

My last equity purchase was back in Dec 2017. So when STI dipped below 3250 this morning, the level triggered me to start rebalancing my portfolio by purchasing some equities. And what else caught my eyes, if not the bloody telco that had been battered so badly. I thought they would be a good fit for a defensive portfolio because I really hope that the correction is just starting...

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April 2018 – Yaruzi’s Portfolio Update

Aside of $8,500 fresh fund contribution to the portfolio, pretty much there wasn’t much going on with the portfolio. No new purchases or sales as STI lingered between 3350-3600 and didn’t touch the level I preset to take action. So it’s mainly a waiting time for me, while collecting dividends. Return YTD was 2.03%, XIRR YTD was 6.4%, and XIRR since inception was 7.3% as of end April. I received $772.20 in total dividends in April, bringing total dividends YTD to $2,129.85. Date Securities Name FCY SGD 02-April-2018 Telstra Corporation Limited (AUD) 82.54 98.28 02-April-2018 BP PLC (GBP) 37.42...

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March 2018 – Yaruzi’s Portfolio Update

STI was fluctuating around the 3500 mark, but it didn’t break below 3250 or above 3750 for me to rebalance my portfolio. Equity allocation was 35.16% and bond/cash allocation was 64.84%. Portfolio value dropped to $652,765.81. Return YTD was 0.35%, XIRR YTD was 1.44%, and XIRR since inception was 6.62% by end March 2018. I received total dividends of $183.14. Date Securities Name FCY SGD 28-Mar-2018 Royal Dutch Shell PLC-B (GBP) 29.94 55.29 29-Mar-2018 BHP Billiton PLC (GBP) 97.94 127.85 It was rather boring for the portfolio, but an exciting month in my workplace. Work was hectic, and I...

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February 2018 – Yaruzi’s Portfolio Update

I wasn’t doing much to the portfolio in February. While there was an increase in volatility, however equity market was trading within the range where it didn’t trigger a new buy or new sell for me. Portfolio value decreased to $657,325.86, despite me injecting $4,000 fresh fund. Return YTD was 1.05%, XIRR YTD was 6.74%, and XIRR since inception was 7.42%. Portfolio allocation stood at 35.62% for equity and 64.38% for bonds and cash. I received total dividends of $883.75, lower compared to $895.29 which I received Feb last year. However it’s expected as I sold some of my...

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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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