Author: SingularityTruth

November 2018 Portfolio Results

As of 30th November 2018 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 continues to hoard headlines. Trade war, raising interest rates, inverted yield curve, Brexit, slower global growth etc. Without any good news, investors are cautious and I also chose to stay at the sideline to watch. Will there be a Santa rally or January effect? With the deadline for US-China trade agreement...

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Step-by-Step Guide to Application/ Redemption of Singapore Savings Bonds

The reason I am doing a simple step-by-step guide on how to apply and redeem Singapore Savings Bonds is because I received a few comments from my previous posts suggesting that it is not worth the effort to swap the bonds. I was quite puzzled as both application and redemption can be done easily using internet banking, so the effort needed is really minimal. Hopefully, the process of application and redemption should not deter people from switching their bond with better bond issues. Application and redemption can be done via ATM but I think internet banking is the easiest...

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9% Interest for 1 Year. Good Deal or No Deal?

Recently, Facebook pushed one of the following advertisement to me, an investment offering 9% interest over 1 year period. As a financial blogger, I took a deeper look and decided that I should do a quick review. The investment is offering 0.75% interest each month for 12 months. The total interest is 9% for a year. The interest will be paid monthly and the capital will be repaid at the end of 12 months. The investment is backed by the company itself and is looking at pooling $10 million worth of investment fund. The minimum amount to invest is...

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November 2018 Dividend Collected

Dividend payout for the month of November 2018 MAPLETREE LOG TR 800 SUPER OXLEYMTNB200518 MAPLETREE NAC TR NETLINK NBN TR FRASERS CPT TR MAPLETREE COM TR FRASERS CPT TR STARHUB Dividend collected for the month is lower than what I had expected. The main reason is due to 800 Super cutting their dividend this year.  Dividend Collected to Date Average Monthly Dividend (YTD): $1,424.59 Target Total Dividend for 2018: $16,000 The dividend collected for this year has finally exceeded previous year’s collection. Although dividend has increased Y-o-Y, I might not be able to meet the target of $16,000 this...

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November 2018 Portfolio Updates

There was no stock transaction for the month of November 2018 yet again. November was a much better month as compared to the month of October. The Fed chairman made a comment that interest rate is close to neutral, suggesting that the rising rate could be slower and smaller over next year. This gave the market a boost resulting in the US markets to soar after the comment was made. STI has also rebounded but it was more tapered as concerns over trade war still linger. People will be watching the G20 summit closely to see if there will...

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Should You Switch to December 2018 Singapore Savings Bonds?

Average interest per annual for 1-year and 10-year periodThis month SSB has again reached another high since inception at 1.89% interest for a holding period of 1 year. Not only did the short term interest rate raised, the long term interest rate for holding 10 years had also raised to 2.57% from the previous month. This makes the current issue of SSB more attractive regardless of whether you are intending to hold it for short or long term. As mentioned in my last SSBs update, I am currently parking a portion of my war chest in SSBs as a...

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October 2018 Portfolio Results

As of 31st October 2018In October, the STI had fallen by 7.32% which almost wipeout all of the unrealized gains for my portfolio. Luckily, my portfolio still manages to close with a small unrealized gain at the end of the month. Despite the fall, I am still comfortable to hold on to my portfolio as the dividends collected over the years provided a buffer to cushion any fall in unrealized loss. At least I can comfort myself that I am just losing  money from the dividends collected, and not the money which I have invested. Although having said the...

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October 2018 Dividend Collected

Dividend Collected for 2018Dividend payout for the month of October 2018 OCBC BANKPERENNIALN181023 Dividend Collected to Date Average Monthly Dividend (YTD): $1,385 Target Total Dividend for 2018: $16,000 October is a relatively quiet month for dividends. We are looking forward to November where bulk of the dividends payment will be made, especially from the REITs sector. In October, portfolio value has fallen significantly as the STI broke the 3000 points support but there was no rush for me to sell. Each day goes by as usual and in fact the amount of time I spent checking on stock prices...

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October 2018 Portfolio Updates

Stock AllocationThere was no stock transaction done for the month of October 2018. This is the month of Red October where STI has fallen below the support of 3000 points. But fortunately on the last day of the month, the market show signs of rebounding and managed to close slightly above it. Headlines are still revolving around increasing interest rates and trade wars causing the depressed market conditions. On the social media front, bloggers are discussing whether timing the market or time in the market would be a better strategy in the current environment. There are some who have...

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Opinion on Factor-Based Investing Strategy

Recently, I came across the term ‘factor-based’ investing and decided to take a deeper look on whether this strategy could be applied to my investment portfolio. Factor-based or risk-weighted investing is a diversification strategy that determines how one should allocate stocks in their portfolio based on ‘factors’ in order to achieve higher returns. The strategy can be used together with a passive investing strategy to form what is known as the Smart Beta strategy. The strategy is touted as the combination of both passive and active investing strategy having the best of both worlds. Traditional investment strategy involves diversification...

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Singapore Savings Bonds as Pseudo-Savings Account

Average interest per annual for 1-year and 10-year period The 1-year interest rate for this month SSB has reached the highest at 1.80% since inception. The increase is in tandem with the increase in interest rates by the US Federal Reserve. We are still looking at a flattening yield curve trend as the short term rates are catching up with the long term rates. As the short term rates continue to raise, it is becoming more attractive for short term play. So far, my holdings in SSBs played a role of diversification and is intended to be held till...

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5-Year T2023-S$ Temasek Bond Buy! Buy! Buy!

This is the first time Temasek has offered a 5-year bond, T2023-S$, which will be listed on the SGX and made available to the public. The offer is up to S$400 million, with potential upsize to S$500 million if oversubscribe. The bond has an interest rate of 2.70% per annum payable semi-annually. Applications must be in multiples of S$1,000 with minimum of S$1,000. For comparison, a 10-year Singapore Savings Bond has an average interest rate of 2.48%, and a 5-year Singapore Savings Bond is 2.22% for November 2018 issue. This makes the Temasek Bond much more attractive than the...

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Updates on Portfolio Realized and Unrealized Profit

As of 28 September 2018 My portfolio has swung back into the positive region from last month bad result due to the fall of 800 Super. This month, the spotlight is now on M1 as Keppel and SPH bid for majority control over M1. The general offer price of $2.06 is at 26% premium of the closing price before trading was halted at $1.63. The possibility of bidding war with Axiata resulted in the price of M1 to reach a high of $2.13 above the offered price and contributed to the increase in total unrealized gain for my portfolio....

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September 2018 Dividend Collected

Dividend Collected for 2018 Dividend payout for the month of September 2018MAPLETREE LOG TR FAR EAST HTRUST CAPITAR CHINA TR AIMSAMP CAP REIT Dividend Collected to Date Average Monthly Dividend (YTD): $1,463Target Total Dividend for 2018: $16,000In my previous post, I have compared my portfolio to the Morningstar® Singapore Yield Focus Index and both portfolios show similarities of having a significant portion allocated to REITs. REIT is an essential sector for those income focused portfolios as it provides a consistent stream of dividend income. Given the rising interest rates environment, there are some concerns on whether REITs are due...

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September 2018 Portfolio Updates

Added Frasers Property Limited Overall, I think the month of September offered a sigh of relief as the fear of EM contagion and trade wars have subsided towards the end of the month. The US market reached all-time high and the Singapore market has rebounded back. It even seems like the more tariffs US enacts, the higher the market goes. At the moment, US looks like it is winning the trade war as there are simply not enough US imports which China could apply the tariffs on. But the longer term effects of trade war have not been felt...

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