Portfolio - September 2018

Current Portfolio (30/09/2018)

No.	Counters	No. of Shares	Market Price (SGD)	Total Value (SGD) based on market price	Allocation %
1.	SingTel	1,400	3.24	4,536.00	34.40%
2.	Wilmar Intl	500	3.22	1,610.00	12.21%
3.	Starhill Global REIT	1,700	0.695	1,171.50	8.96%
4.	Far East Orchard	800	1.32	1,056.00	8.01%
5.	AIMS AMP Cap REIT	400	1.40	560.00	4.25%
6.	ComfortDelGro	100	2.45	243.00	1.84%
7.	Singapore Saving Bonds	1	1,500.00	1,500.00	11.38%
8.	Warchest	1	2,500.00	2,500.00	18.96%
	Total SGD:			13,186.50	100.00%

The month of September is a greenish one for most of the business I own as opposed to the previous months. But when this update is published, this also tells me that we're left with only 25% of the year to go before a brand new year comes by again. 

And in no time soon, I will have a fair share of my hair going down the waste bucket. 



Taking a quick look back my target I've established for myself a year ago. It seems that I'm pretty way off the target I've set, which is actually very disappointing. 

Guess, for this year, I'm not that prudent as I thought I would be but yet another lesson learned. 

Read: 19-Year-Old Investor - Part 2

Zooming into the Year 2018 - I've set a target for myself to inject a cumulative total of S$15,500 into my portfolio with an expected value of S$16,642.50 together with a passive income of $66.04 based on a 5% dividend calculation. 

It is way-way off. 

But on the other hand, I've started to understand that Mr. Market will tend to swing around and a target, in general, would be good but we will not able to control Mr. Market's emotion. All we can do is to be mentally prepared and go for the thesis that you bought into. 

I believe, patience will be rewarded



I've learned to pamper myself a little more as time comes closer to my enlistment as I felt that I've certain things that I'd like to get it done prior to resuming my goals in 2 years time. 

I guess I shall console myself a little that things are still flowing in the way it is supposed to, although roadblocks could be seen standing ahead of me.

 


Back to the portfolio. The month of September has been an interesting one and I've taken the opportunity to cash into the October edition of SSB. With this purchase, I will be looking forward to receiving cash from my CDP account monthly starting from next year. This will be in favor of the DBS Multiplier account which I'm looking to open soon. 

Guess who is here to say Hi again?

Hello SingTel! 



And that is right. In the month of September, when Mr Market decided to punish SingTel a little, I managed to add 400 shares of SingTel at 3.09 into my portfolio. Officially pushing SingTel to become the heavyweight champion among my entire portfolio, surpassing the weightage of cash positions in my portfolio. 

Do I regret the choice? 

The bigger recent accumulation of SingTel shares has pushed my cost price down significantly. Factoring the dividend in, I'm actually green with SingTel today!

With the dividend of 17.5 cents to be maintained for the next 2 financial year before reverting to a 75-80% payout ratio from it's net profit, I believe that we do have some consonlation prize here. For the next 2 years, should SingTel weather through the storm, it is more likely that we will be looking a bigger paycheck coming from them.

I actually do look forward to a more significant investment with SingTel.




Overall Portfolio Performance (as of 30/09/18):
Total (Capital Injection) in 2017 = S$ 6,566.79
Total (Capital Injection) in 2018 = S$ 4,837.30
Total Capital Injection 2017 & 2018 = S$ 11,404.09

Realized P/L = 13.89% or S$ 1,583.43 (Based on total injection)
Unrealized P/L = -2.15% or -S$ 234.49 (Based on total cost for each counter)
Cum. Dividends + Interest = S$ 465.41
Realized + Unrealized P/L + Dividends = $ 1,815.35 (15.92% base on cost)


Current Portfolio Value: S$13,186.50 (+16.11% m.o.m due to capital injection, dividends and portfolio performance)

CAGR = 9.33% (Based on start date at 14/02/17) - Days Count: 593
XIRR = 12.99% (This high % you see here is due to the wild card from Crypto in 2017 and relatively short duration)

Do take note that both XIRR and CAGR % is on a relatively high side due to the short duration that I'm in the market. As a reminder, a simple bear market should be sufficient to wipe out all the positivity you see up there.


As the time goes on, the % will be significantly reduced and adjusted based on time.

Current Cash Position (based on Opportunity Funds + SSB) = 30.33%

 

Dividends/Interests received in September: $12.37
Total dividends received in 2018: $370.11
Average dividends/month: $30.84




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