Author: Invest For Yourself

Index Portfolio ensures I stay invested in the market regardless

“Index Portfolio Delivering its Value” was the last time I wrote about my index portfolio many months. Then in the dark days in Dec 2018, my index portfolio stayed solid and was above the water when everything else seemed to be sinking. So fast forward to today, I thought I will do a write-up on my index portfolio to record its current status and share this tool with you. Intro to my Index Portfolio You probably have not heard me talking about my index portfolio if you only started following my blog in 2019. So, let me just do...

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My Star Dividend Contributors Revealed

Following my post yesterday, some of you had inquired about my dividends. Sorry I am not comfortable to reveal but I am happy to share my STAR dividend contributors in Q3 and also Year-To-Date. Photo by rawpixel.com on Pexels.com Recap, my dividend yield year to date is 4.5% on cash investment. It is spread out relatively well over the 3 quarters, averaging about 1.5%. Qtr-1 was a shade lower but not much. I like the current profile as it means that I get passive income throughout the year. Below is the Top-10 for Q3 2019 alone. It is not...

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4.5% Yield Year-To-Date, helped by Leverage

The last company on my watchlist reported its quarterly results and dividend declaration on 14-Aug. Along with that, I was able to establish that my dividend yield on cash investment (up to today) is 4.5%. I do not see an issue meeting my 5.0% target by end of the year. My dividend yield received a boost because I started to increase my use of leverage in shares investment this year via a margin account. I am conscious that i should not over-leverage and I have kept a limit of 30% leverage on total investment as an absolute MAX. I...

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The Importance of Diversification

For those who followed the local stock market, you would not have missed the big news that YangZiJiang (YZJ) Shipbuilding has requested for a trading halt after the Singapore Exchange (SGX) flagged “unusual price movements” in the company’s shares on Thursday 8/8/2019. It had fallen 20% or $0.26 to S$1.04 on heavy volume of 83.7 million shares traded before its trading was halt. It also dragged down the STI Index as YZJ is one of its component stock. There are many speculation of why its share price was hammered so badly, so much so that the company has to call for...

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SReits are beginning to show weaknesses

It would be so boring if I write another blog post about what I bought again. So I will start with a different topic before doing a short one on my “Buy” this week … Yes, its another “Buy” week for me amidst all the chaos in the market recently. SReits are beginning to show weaknesses While reviewing at my SReits watchlist, I am seeing “reds” coming out from many SReits counters. In my watchlist, about 1/4 of the SReits are showing up as “red” – I have programmed them to show up as red if they drop more than 3%...

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Buying continues

Last week, I mentioned about my inflection point when the value of the shares I bought exceeded those that I sold. It was a fresh change that came after a continuous 8 week of shares sales. This week, the buy trend continues. In fact, I didn’t sell any. Fo reference, STI index dropped almost 3%. Just to share my transactions this week with you. (1) I bought UOB shares at end of the week following the news of increased interim dividend distribution. At this price level, UOB dividend yield is an attractive 4.7%, which is comparable to DBS. I...

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My $Buy > $Sell for a Change – an inflection point?

A subtle change but an important one for me – for the first time in many weeks, my $Buy is more than my $Sell this week. For some of you who have been following my blog, you will know that I had been doing pretty aggressive selling in the past 2 months. So, it is quite a change for me. Let me try to recall what I bought this week … just to share with you Ah … yes, I accumulated more Raffles Medical shares. It has become a habit for me to accumulate it when it started approaching...

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From “SPH” to “Keppel” week – Expected Dividends & Dates Table attached

The past week was a relative quiet one for me. No major changes to my portfolio because there wasn’t any reason for me to do anything. STI index gained 6 points or just moved just 0.2% in the 5 trading days. On the contrary, the US market was in full buoyancy, breaking records after records. The US investors must be wondering where was the trade war. Once again, it points to me the need to have diversified portfolio. I have some exposure but it is not big enough to move the needle. While US see no trade war impact, it...

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Couldn’t resist the temptation … I touched even the untouchables!

First, I like to thank all the subscribers who have signed up for regular updates from this blog. This week, the number of subscribers surpassed 200! Thank you all for your support and I hope you will continue to find this blog relevant to your investment and F.I.R.E journey. It is another incredible week again! My portfolio was up 10% over the last 5 days helped by second tiers “blue chips” and the relentless march forward by the SREITs. The 3 major US indices also broke record levels this week. BUT In contrast, our local stock market barometer =...

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Its Dividend time again … Yipee!

The curtain on the Trump-Xi show was rung down on Saturday but there was no drama or firework. Even our usual polite PM didn’t mince his words when he said that he was worried. It tells us how bad the collaboration was among the biggest and richest nations in the world. But with that distracting “show” out of way, it is back to basics for us as investors. Q3 result announcements are just around the corner. Several companies had already announced their results release dates – see table below. Q3 2019 Companies Div? 11-Jul SPH Reit Q3 Y 12-Jul...

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Trump-Xi meeting – whatever … Anyway, I sold more again this week.

When everyone else was waiting for the outcome of Trump-Xi meeting later today, guess what I was do for most of this week … Yes, I was still selling (the title gave it away). I sold more Singtel shares this week at $3.50 while trying to keep the holding of Singtel in my portfolio at < 10%. I also sold small lots of some blue chips which were at their 52 weeks high to take some profits and replenish my war-chest. I just a bit kia-su ….. but I am still heavily invested. STI was only up 0.5% this...

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What I bought in the June Rally

I got an interesting question from a reader of my previous post about – “Did you buy anything in June then?” Yes, I did actually. I subscribed to Astrea V IPO and managed to get a few lots. It debuted above the 3-4% IPO price which was great. I look forward to its 3.85% coupon payment every few months. I also bought DBS 4.7% Preference Shares at $103 per share. It came down from $105 after the last coupon payment. At $103, it will deliver 4.56% yield to me. Close enough to 5%. Yes, I am loading up on...

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Phenomenal June Rally! I Sold and Still Selling SingTel and more

June so far has been phenomenal! STI is up 6.5% as of yesterday in just 14 working days. Almost every companies in my portfolio is in the Green. The Banks, Properties, Reits … and best of all, Singtel and UOB for me. Singtel has climbed from $3 to $3.45 now. UOB is up from $23.50 to $26.32. More than 10% gain for the investors in both companies. I resisted at first but eventually gave in and started selling both of them into the rally. A 10% gain in just one month was too big a temptation to resist. Besides,...

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In May, They Sold, I Bought & I hope I am right

In the investment world, there is a saying “Sell in May and Go Away”.  May 2019 was no exception, if you had shorted STI index on 30 April and bought it back on 31 May, you would have gained 8% in value. And this saying seems to have some basis. According to Investopedia, the Dow Jones Industrial Average has had an average return of only 0.3% during the May to October period in the years 1950-2013. In contrast, it had an average gain of 7.5% during the November to April period. I can’t say I am a believer of...

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Equity Portfolio Dividend Yield is 2.9% Year-to-Date, > 5% Full Year Target Intact

A few of you have asked me to share more details about my portfolio since my last post yesterday. So, here it goes. Just on Equity Portfolio – Income & Growth Combined I don’t have shares of all 63 companies in my watchlist. Currently, I own shares of 50 of them. Still a lot, I know. I hope to progressively reduce the numbers as I migrate more to ETFs. Furthermore, some of them are very small holdings, legacy reasons because I bought them expensive and/or they are just odd lots. Though it is not exactly 80/20,  for my equity...

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