Monday, 11 October 2021

Q3 Portfolio Review | Stocks and cryptocurrencies

*Written on 1 Oct 2021, value fluctuates and this is just a record of it. Do not take this article as financial advice to purchase any stocks or crypto, do your own due diligence before initiating any position.

Sorry for the late update, had this ready but forgot to release it. Q3 has been exciting for both stocks and cryptocurrencies as we see ATHs and dips in the market. Time flies and we are in Q4 of 2021, without even doing much in my life, the year is passing by and I am closer to being 30 than 20. Haha, end 2019 to 2021 really felt like a dream, like being stuck in a virtual world where we are told what to do and follow (eg. wearing a mask when going out, no travel, no dine-in, no gatherings). Although we were restricted for a short period of time, I have to admit that we are definitely in a much better position where we have access to vaccines and at least some travel options for those who can afford (VTL), very grateful for that. All right, let's move back to the review

Stocks

In terms of stocks, I added VWRA to my portfolio as usual, on sell positions, I sold off Nikko AM STI ETF in July and bought 1 Tesla share at USD675 and 16 shares of AMD at USD95 each. Pretty happy with the purchases as so far they are all in green and performing much better than if I continued holding onto Nikko AM STI ETF. My stock portfolio also hits $50,000 and I am excited for it to continue to grow although we saw some weakness in Sep.

Below is the value of my portfolio from the earlier part of the year till now. I record the value of it in the first day of each month so that's why you are also seeing October 2021. Tesla went up in prices (recorded 1 Oct 2021) and so helped to increase the stocks portfolio value overall. Other than that, VWRA and VT are actually in the red and so are other stocks. Just sticking to my plan of adding VWRA into the portfolio every month, no plans to purchase any individual stocks but my friend did mention to me on some software companies but I am rather lazy to read up and find out more.

Cryptocurrencies

My cryptocurrencies portfolio has slowly regain back although there was a dip in the month of September. I have mostly added positions into Etherum and cryptocurrencies are so volatile yet rewarding and exciting. I have also initiated a position in Chainlink (LINK), I want to build up my positions in BTC and ETH but at the same time purchase other cryptocurrencies as well. Will have to look on how to portion out my funds.

Comparing to Q2 portfolio

Q2 saw my stocks portfolio at $46,100 and end of Q3 my stocks portfolio is at the low $50,000. Great to see the monthly DCA into VWRA having it's effect even though the prices recently has dropped. Will still continue it on.

Cryptocurrencies have seen an increase as well as I put in capital though smaller amount than to VWRA but I love that cryptocurrencies allow you to buy fractional, it doesn't matter if you cannot buy 1 bitcoin, you can buy 0.01 bitcoin. Q2, I was at $6000 plus and now my crypto portfolio is at $14,000 plus. Amazing amazing, I can see why people are moving their money over to cryptocurrencies, the growth is just exponential. But I still prefer to have a base in stocks and allocate a smaller position to cryptocurrencies.

Total Investment Portfolio

I am slowly inching nearer to the goal of $100,000. I can feel it so close if I include my cash positions as well. Of course, if stocks or crypto fall, it does affect the amount of time needed to reach that goal but so far overall, both my stock and crypto portfolio has accelerated my pace towards $100,000. It seems like a huge achievement to hit currently but I know that reaching it is really just gonna be another day in my life.

Ending the year with a BANG!

Entering Q4 means we are towards the end of another year. Time flies even when we stay at home most of the time. I have to say that 2020 and 2021 passed by in the blink of an eye. I am now nearer to my 30s then to 20, this is definitely scary in a way as I think about what have I been doing and whether is it enough. Very excited to seeing how the portfolio will end at the end of the year. Hope you guys enjoy this update as usual do subscribe and like my videos if you enjoy the content!

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► How I Protect My Bitcoin using Ledger (20% discount code): Get your ledger from HERE (Using my affiliate link will help me where Ledger will pay a small incentive that's not from you but from them) - USD$25 discount coupon: THANKS-SHLRTVJ or THANKS-V35SSK5
► How I earn interest on my Crypto (Hodlnaut): https://app.hodlnaut.com/signup?r=_JF037Nb0 Get USD20 equivalent for your initial deposit of at least USD1000 on any of the supported asset by using my referral link
► Where I Buy my Cryptocurrencies: Gemini (Receive $10 of bitcoin after you buy or sell $100 after signing up using my link)
FTX: https://ftx.com/#a=41877278 (If a new user signs up with my referral code, I will receive 25%-40% of their fees, and they will get 5% of their fees back)
► Where I buy my stocks
FSMone Referral: P0364886
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Sunday, 10 October 2021

Investing is not just about buying but it is about selling as well | Sharing my sell positions

I have been investing since 2017 and for me, I have made countless buy orders, in contrast, I have only done a handful of sell orders. In fact, I feel that I have some kind of phobia with selling or inertia to insert the sell order even if it proves to be beneficial to the portfolio.

Why buying seems great but selling seems scary to me?

I love buying stocks or cryptocurrencies because it looks great on my portfolio, the number increases and I feel like it adds onto my assets. On the other hand, when I sell, I see my portfolio value drops and it feels like the decrease scares me causing me some fear in selling. This is of course not the right way to think. Some times we sell to secure some profits and that is not wrong, if you have other better investment opportunities, it is always good to be taking profits as it shows that your holdings have grown and proven right. Just as no one can buy at the bottom, no one can sell at the top as well. If you feel that a stock/business has changed in terms of it's business model or is not profitable, taking profit and selling it is the right way to go.

Selling can prove to be a winner in the long run (some examples of my sell actions, both losers and winners)

For me, although I do not have much sell transactions, I will share on the few sell transactions I did. So the first stock I sold for a profit was:

SGX, I bought 100 shares at $7.27 each and then in 2018 after I saw the price went up to $7.57, I sold it off for a profit of $30. This was my first profit taking and after which SGX went soaring high and I regretted selling it although I went back in and bought it back but this was my first experience of selling.

 Next is First Reit, it was actually the FIRST REIT I bought and gave me pretty nice dividends and I wanted to hold it on longer if possible but bad news hits and I just found that the earnings and future direction of the company was not I expected it to be. I bought 1000 shares at a price of $1.205 each and sold it off in 2020 at $0.549. Yup, you saw that right, the stock price just nosedived. But I am glad I didn't hold onto it. I suffered a loss of -$656, if dividends were included, my loss was -$401.

 I also sold off Lemonade Inc, LMND, this stock was a buy position purely based off Chicken Genius and I also sold it off in Feb 2021 when he said he was selling his positions. Not a smart way but I did profit from this sell transaction. I bought 14 shares of it at $106.77 and sold it off at $192.97, this gave me a profit of about $1,207. Although, I did go back and buy 1 share of it at a high of US$150 as I had a few vouchers from Tiger Brokers and decided to just buy that. The price now has also dropped substantially.

 Amara (A34) was also sold as it was just part of the shopping spree where I bought random stocks at a low prices and hence it was sold off as part of a housekeeping exercise. Also cos it is a hospitality stock providing accomadation which I don't think is good for a few years from now. Also, it is such a small holding, sold it for a loss of -$46.

Lastly, I recently sold off Nikko AM STI ETF (G3B) mainly to channel the funds elsewhere which would have better growth, partly also because I have SPDR STI ETF so letting of Nikko AM STI ETF which is similar was done. I sold that for a loss of -$102.33 but received about $344.90 in dividends. Glad I did that as the funds was channelled to 1 Tesla share (USD6745) and some AMD shares (USD95) which have grown since then.

 Do you sell your holdings when you have substantial profits? Or do you just hold onto them as long as their business model and system has not changed? Everyone has different investing methods and there really is no right or wrong as long as you don't LOSE MONEY! 

You can also find me on

Affiliate links/Codes:

► How I Protect My Bitcoin using Ledger (20% discount code): Get your ledger from HERE (Using my affiliate link will help me where Ledger will pay a small incentive that's not from you but from them) - USD$25 discount coupon: THANKS-SHLRTVJ or THANKS-V35SSK5
► How I earn interest on my Crypto (Hodlnaut): https://app.hodlnaut.com/signup?r=_JF037Nb0 Get USD20 equivalent for your initial deposit of at least USD1000 on any of the supported asset by using my referral link
► Where I Buy my Cryptocurrencies: Gemini (Receive $10 of bitcoin after you buy or sell $100 after signing up using my link)
FTX: https://ftx.com/#a=41877278 (If a new user signs up with my referral code, I will receive 25%-40% of their fees, and they will get 5% of their fees back)
► Where I buy my stocks
FSMone Referral: P0364886
Tiger Brokers (Free stock and commission free trades, check out more here)
Interactive Brokers (Open an account today and start earning up to $1000 of IBKR Stock for free!*Terms and Conditions apply)
► Google Pay: v89ph61