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January 2019 Portfolio Performance Review. Final Farewell to M1.

Since Inception
Total Portfolio Unrealised Gain/ Loss: $13,479.14
Total Portfolio Realised Gain/ Loss: $75,378.86
XIRR (Including dividends): 5.61%

January result was exceptionally good as the market turned bullish. My portfolio has moved from a region of unrealised loss to a significant unrealised gain. The unrealised gains were the highest for the past 5 months and all these gains were recovered within a month. As the saying goes, 'a rising tide lifts all boats', and I just happened to be in a boat. The prerequisite is that you have to be in a boat, so always stay vested. I also came across many bloggers with spectacular results for the month of January.
I do not know whether this is a bull trap or not but my strategy has always been for the long term so it does not matter. Your crystal ball is as good as mine. There are news mentioning that the US-China trade deal could be extended, which is seen as a positive news. If the deadline is extended, this shows that US is not w…

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January 2019 Dividend Collected

Dividend payout for the month of January 2019
SINGTELNIKKOAM SGBD ETF January is one of the months when there is not much dividend payout so this will be a short update. Most of the dividends will be coming this month instead, especially from the REITs. The news that US and China are unlikely to m…

Why I Use XIRR and How I Calculate It?

Firstly, I would like to start by saying that this is how I calculate XIRR for my portfolio and this may not be the right way to do it. If I remembered correctly, using XIRR to track your portfolio is controversial and there are people who think XIRR should not be used and there are different ways…

January 2019 Portfolio Allocation Update

Stock Allocation  Change Log
Added NetLink NBN Trust My initial plan was to start portfolio capital injection in Feb but the market has turned bullish so quickly that I decided to do a round of capital injection first. I will still continue to add to my portfolio in the next few months.
Separately,…

Feb 2019 Singapore Savings Bond

The Feb issue for Singapore Savings Bonds was quite disappointing as both the interest rates for  short and long term were lower and did not match up to the previous month issue. The interest rate for the first 3 years remains constant and there is no premium in holding the bond for a longer perio…

2018 Portfolio Performance Review

Total Portfolio Unrealized Gain/ Loss: -$745.50
Total Dividend Collected: $74,855.89
XIRR (Since Inception): 4.85%

In 2018, my portfolio has lost all its lustre as all the unrealized gains were wiped out in 2018. But there is no reason for me to panic as the dividends collected over the years prov…

Dividend Collected in 2018

Dividend/ Interest payout for the month of December 2018
FAR EAST HTRUSTASTREAIVB280614FRASERS L&I TRSPH


Total Dividend for 2018: $16,517.28
Average Monthly Dividend (YTD): $1,376.44
Total Dividend Collected (Since Inception): $74,855.89

The dividend collected in 2018 has exceeded the target …

2018 Year-End Portfolio Allocation Review

Stock Allocation

There was no stock transaction for the month of December 2018. Next capital injection should be around Feb 2019.

There is a possibility that US and China may reach an agreement earlier than Mar as Trump recently tweeted that the negotiations are making good progress. This would be…

2018 Year-End Reflection and Game Plan for 2019

In the blink of an eye, 2018 will be over soon and another year has passed. This year has been a big drought for IPO as none has attracted my attention. IPO aside, there were a other few listing which I applied for, namely, Astrea IV4.35%B280614, Temasek 2.7% 231025XB and the NikkoAM SGD IGBond. T…

2.01% Jan 19 Singapore Savings Bond. Really that good?

The Singapore Saving Bond's interest rate for 1 year holding has been making new high for the past three consecutive months. The issue in Jan 19 is not only a new high but it is also the first time the rate has exceeded 2%. Sounds attractive?
In fact, the Jan 19 issue may not be that attractiv…

November 2018 Portfolio Results

Overall portfolio is still with positive unrealized gains. November was a much better month as compared to October as unrealized gains increased slightly after the recovery from Red October.  Dividend collected was also slightly higher in November.
Market remains pessimistic as negative news cont…