May 2020 Portfolio and Dividend Updates

May 2020 is coming to an end and the circuit breaker is also ending too as we go towards a less strict opening on 2 June 2020.

We will still not be able to dine out :( but we can now visit grandparents or parents however only 2 people from the same household will be able to do so.

After staying at home for such a long time, I am pretty used to it and I will not be visiting my grandparents so soon as my mum would prefer for us not to have too much interactions to prevent the risk of spreading.

Read more: New work arrangement post circuit breaker

Porfolio and Dividends:

Received $15 from SGX as dividends and in June, will receive $28 from OCBC and $19 from First REIT. Expecting dividends to drop pretty a lot this month as I hold quite a few hospitality and retails REITs. Shall see how it goes. 

In May 2020, my ETF RSP with FSMone bought 47.6774 units of Tracker Fund of Hong Kong Index (2800) at a cost of HKD 24.95 each.

3.0021 units of Vanguard Total World Stock ETF (VT) was bought at a cost of USD 69.595 each. Through this RSP, I can slowly see the effects of accumulation, though the portfolio is still having a loss of about 7% as I entered into it around December 2019 when prices were still pretty high and so the average price of my holdings are quite high.

I really like this idea of monthly payments as it really just takes off the thinking and frees up my mind though when I see times like 23 March 2020 when stock prices went way down, I wished my RSP was buying on that day HAHA.

For my RSP, I am making the switch from buying STI ETF (ES3) to Tracker Fund of Hong Kong because when I started in 2016 with my RSP with POSB invest saver, STI ETF was at a price of $2.80 and now it is about $2.538. Both the graph shows quite a similar pattern except that Tracker Fund of Hong Kong has a little more huge fluctuations and much more buying and selling volume.

The Tracker Fund of Hong Kong though at Oct 2016 was at a price of about HKD 24 and currently is at a price of HKD 23.10 due to recent news that Beijing will tighten their grip on HK by having a new security bill has seen better growth and higher highs of price over the period from 2016 to now.

Also because the HK market holds significantly larger companies as you can see from the image below though both HK and Singapore are heavy on Banks.

Although that being said, there will a lot of volatility in HK as protests are set to resume and with Beijing going on to tighten their grip on HK with the new bill and giving more power to the leaders, there will definitely be rebuttals from the people and we already saw how bad their protests can go from last year's demonstrations. 

Read more: My first investment - STI ETF


I am also having a change of strategy in my investments. Previously, I wanted to create a dividend portfolio and focused mainly in the Singapore markets, however recently I have been reading and watching the US markets and difference between the stock prices are huge in just one day.

With that, there can be huge profits and huge losses, with me still being young, I can take the risk as I do not have many dependents and I also want to enter the US market to try it out.

Will do some updates once I start, I will most likely use my FSMone account to purchase US stocks as well. 

Read more: Investing in Hard Times  


It will be June next week and the circuit breaker will be ending, with that, more people are expected to go back to work especially those that require machinery or systems in the office. Dining in will still not be allowed so eating more at home will still go on. Stay safe and take care! 

 Information published here are purely opinions or feedback and should in no way be taken as guaranteed. Readers are encouraged to do their due diligence by doing sufficient research before making any decisions based on materials on this blog. 

Automating my investment for Nikko AM STI ETF (G3B)

Since I started work recently, time has been rather limited for me to invest or to even look up on companies as compared to when I was studying.

But in turn, for the exchange of time, I have some money earned and I can put aside a certain sum per month for investing.

My first investment was made using POSB invest saver where I purchased Nikko AM STI ETF (G3B.SI) back in Oct 2016, which was quite a good time to start.




After purchasing about 300 shares, I stopped as I wanted to put the money into other companies. I bought them at an average price of $3.00 each.

Recently, I have decided to restart it and I would be placing $200 into it each month.

With $200 being placed into it, I would have $2400 invested in the first year.

Currently, I am going towards having an index investing approach as my portfolio is performing so much worse than the index and also to be a sum for other companies that I am interested in.

Read more: Portfolio Review for 2018 - down almost 20%. Collected dividends of $307.05

With the automating of G3B, I can just enjoy my time in the weekends or night and know that at least a portion of my money is going in investing.




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Portfolio Review for 2018 - down almost 20%. Collected dividends of $307.05

With 2019 coming in just a few days, I have decided to post a portfolio summary for 2018 and of course record the performance of my portfolio for comparison in 2019.

At the end of 2018, my portfolio is currently -17.67% without dividends included (28 Dec 2018).


 

You can take a look at my portfolio: 

This is a significant drop for me as I entered the stock market only this year when it was at a high so ending the year with this performance definitely is painful for me. 

However, I entered the market for the consideration of long term. I am investing for the long term and know that I should be holding the stocks for at least 10 years unless something happens to the company which would then require action. 




My portfolio has performed way below STI ETF and this is due to certain price drop of the stocks in my portfolio. 

The biggest drop in my portfolio this year are Design Studio (D11) and First Reit (AW9U).  

For Design studio, I got into it due to me seeing the past dividends given out and I was enticed by it hence I went straight into buying it without much checking or consideration. 

So after it had it's profit guidance news released, it's price just went down and down. 

Read more: Design Studio - Drastic drop in price

For First REIT, I have got to say that I love this REIT because for me, it was the first REIT that I purchased and it has been giving me rather stable performance until it's sponsor's rating dropped and it's price just took a nose dive.


 

I love this REIT as I bought it due to it being a healthcare REIT which I am more inclined to rather than logistics or a retail REIT as healthcare is an industry that is in high demand. 

Of course, I bought it at a relatively high price of $1.32 this year and so right now, with it being at a price of $0.97, the drop is pretty substantial. 

Dividends:

My portfolio has generated a total of $307.05 in 2018. It is about an average of $25.59 per month. Not much but it can cover my phone bill each month. 

HAHA, I hope to reach a stage where my dividends can cover my expenses and therefore increasing my saving rate in the long run.

For my portfolio plans in 2019, I have decided to invest more in STI ETF (coming in a later post) and also to get into more REITs even though right now, I do not have much time to read up on companies but I hope to increase the dividend for my portfolio.

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