Thursday, October 7, 2021

Sep2021 Finance update - Monthly Dividend/Interest received $8.6k Highest in 5 years

In the month of Sep, dividend/interest received is about SGD $8.6K hitting the highest level in last 5 years and Q32021 dividend/interest income total 24K.. Year to date dividend/interest income hit 60K with 3 more months to go. 

I sold off China Construction 3311.hk after it went up >30% but the gain was offset by a 35% loss in a recent HKSE IPO which I sold off. My mistake was that I deviated from my normal strategy on investing in only large cap dividend stock. I should never invest in this IPO and not cutting loss earlier. Well , mistake learnt not to speculate on something I don't know.

My YTD investment return including dividend received is around 9.06%. It was lower than last month despite the record dividend received. This was due to a market correction in Sep which hit global markets and especially hard on HKSE stocks. I picked up 2 new investment PingAn 2318.hk and Tainneng 819.hk during the HKSE market correction. They provide stable yield and have been a market leader in their respective industry  I also bought 2 new SGX Reits counters CLCT and Elite. Elite Reit is to replace Manulife which was sold off last month. 

As my cash holding increase substantially due to dividend received, I will probably add a few more counter or increase my stake in current portfolio during Oct. It is better to buy during a market crash to improve the yield on cost as a dividend investor.

Dividends received in Sep2021 from Foreign Investment (Stocks): USD $3230

Interest received in Sep2021 from Foreign Investment (bonds): USD $716

Interest received in Sep2021 from banks interest/FD/others in US: USD $390

Realized gain/loss : USD 221

Dividends received in Sep2021  from SGX: SGD $3230

Interest received in Sep2021 from banks interest/FD/others in Spore: SGD $201

SGX Realized gain/loss: -355

Total dividend and interest from my investment portfolio + bank/money market/retirement account + trading gain/loss generated in Aug2021 : SGD$ 9.1K

YTD Passive income earned from investment account only: SGD $60K

Investment Portfolio Monthly Dividend/Interest earned Y-to-Y changes from 2017 to 2021:



Counters from my investment portfolio contributing to monthly Dividend/Interest  in Sep2021 :



Liquid Networth distribution: 



Thursday, September 2, 2021

Aug2021 Finance update - Monthly Dividend/Interest received $7.6 k

In the month of Aug, dividend/interest received is about SGD $7.6K with 1.2k coming from the last Accordia distribution. I sold off China Power 2380.hk after it went up >50% and one of my bond holding Ingram Micro was redeemed. Both transactions ended up netting a gain of USD $7.34k. I bought China Power for its 8% dividend but for some reason , it went up sharply. The gain itself is like more than 6 years of dividend. Usually, I am a buy and hold long term investor. However, I realized that HKSE China counter even for a slow moving dividend stock could suddenly spike and then crash. As I wrote last week, my HKSE portfolio went from ytd 15% gain to current 0% in Jul. I did not take any action on a few counter which went up 50% like CNOOC and Sino Engr before crashing down in Jul. In view of that, I think it is a good idea to take some profit off these counters and buy them back at a lower price. On the hindsight, China power continue to go up another 30%. Well , I am a contented person so I am still satisfied with the 50% gain.  With both the dividend income and trading gain, my investment income hit $17.8k this month resulting in the best monthly return in the last 4 years. With the proceed, I  continue to increase my stake in current HKSE and LSE portfolio. My YTD investment return include dividend received is around 9.4%.

Dividends received in Aug2021 from Foreign Investment (Stocks): USD $1513.51

Interest received in Aug2021 from Foreign Investment (bonds): USD $721.36

Interest received in Aug2021 from banks interest/FD/others in US: USD $389

Realized gain/loss : USD 7338

Dividends received in Aug2021 from SGX: SGD $4425

Interest received in Aug2021 from banks interest/FD/others in Spore: SGD $205

SGX Realized gain/loss: Nil

Total dividend and interest from my investment portfolio + bank/money market/retirement account + trading gain/loss generated in Aug2021 : SGD$ 17.8K

YTD Passive income earned from investment account only: SGD $51.3K

Investment Portfolio Monthly Dividend/Interest earned Y-to-Y changes from 2017 to 2021:

 


Counters from my investment portfolio contributing to monthly Dividend/Interest  in Aug2021 :


Liquid Networth distribution: 

 

Friday, August 6, 2021

Jul2021 Finance update - Monthly Dividend/Interest received $7.8k but portfolio valuation gain decrease by $18K

In the month of Jul, dividend/interest received is about 7.8K , this is the highest July investment income recorded in the last 4 years. However, my ytd portfolio gain decrease by $18k  this month due to sharp correction on my HKSE holding. My portfolio have been hitting all time high every month since Jan and I have already anticipated correction could be coming soon. The only saving grace is that I received a good amount of dividend to weather the storm. Even though, my holding in China Tech stock is relatively small but the entire HKSE index was badly impacted by the HKSE Tech Stocks crashed. My HKSE holding went from an ATH unrealized gain of 15% to 0% within a short 3 months.  This shows how volatile overseas stock market can be. However, as most of my holding are large cap state own money with good dividend, I am confident the portfolio value will recover again. I continue to increase my stake in current HKSE holding with my dividend received. 

Dividends received in Jul2021 from Foreign Investment (Stocks): USD $4568

Interest received in Jul2021 from Foreign Investment (bonds): USD $957

Interest received in Jul2021 from banks interest/FD/others in US: USD $411

Realized gain/loss : USD 3659

Dividends received in Jul2021 from SGX: SGD $266

Interest received in Jul2021 from banks interest/FD/others in Spore: SGD $204

SGX Realized gain/loss: Nil

Total dividend and interest from my investment portfolio + bank/money market/retirement account + trading gain/loss generated in Jul2021 : SGD$ 13.1K

YTD Passive income earned from investment account only: SGD $41.6K

Investment Portfolio Monthly Dividend/Interest earned Y-to-Y changes from 2017 to 2021:


Counters from my investment portfolio contributing to monthly Dividend/Interest  in Jul2021 :


Liquid Networth distribution: 




Friday, July 2, 2021

Jun2021 Finance update - Monthly Dividend/Interest received $8k, Midyear Total $35K

In the month of Jun, dividend/interest received is about 8K , this is the highest Jun investment income recorded in the last 4 years. This is the result of my HKSE dividend stocks invested earlier in the year which usually start to distribute dividend from June to Sep (HKSE Dividend Stocks Portfolio ). My 2021 first half total dividend/interest income is 35.5K. It seems like I have a good chance to hit 70K annual dividend/Interest income in 2021.  Jun was another good month for my overall finance as my current investment portfolio hit another all time high with a YTD 11.6% unrealized gain of 134K. However, the portfolio return is about 10.26% YTD when accounting realized loss due to writing off a 2020 bad investment  + H12021 dividend collected. The gain in portfolio has been positive for 8 straight months and this is the longest stretch of positive gain I ever have without correction. 

In term of portfolio change in Jun, I increased my stake in existing dividend HKSE stocks in my portfolio as the ex-dividend price for some of them become attractive again. I bought 2 covered ETF (QYLD and ZWC.TO) to test out the withholding tax as I have read these ETF do mostly return of capital and have lesser WHT.  I sold off my iREIT as I was not able to apply for the right issue as I am currently overseas. However, I will probably repurchase them back later if price is attractive again.

Dividends received in Jun2021 from Foreign Investment (Stocks): USD $3737

Interest received in Jun2021 from Foreign Investment (bonds): USD $1507

Interest received in Jun2021 from banks interest/FD/others in US: USD $387

Realized gain/loss : Nil

Dividends received in Jun2021 from SGX: SGD1048

Interest received in Jun2021 from banks interest/FD/others in Spore: SGD $197

SGX Realized gain/loss: + SGD978

Total dividend and interest from my investment portfolio + bank/money market/retirement account + trading gain/loss generated in Jun2021 : SGD$ 9.6K

YTD Passive income earned from investment account only: SGD $34071

Investment Portfolio Monthly Dividend/Interest earned Y-to-Y changes from 2017 to 2021:


Counters from my investment portfolio contributing to monthly Dividend/Interest  in Jun2021 :


Liquid Networth distribution: 



Friday, June 4, 2021

May2021 Finance update -Monthly Dividend/Interest received $3.9k

In the month of May, dividend/interest received is about 3.9K , slightly below monthly average but roughly the same as what I earned in the last 4 years. May was another good month for my finance as my investment portfolio hit another all time high of > $1.26 million with a YTD 11.42% unrealized gain of 131K. The gain in portfolio has been positive for 7 months straight and this is the longest stretch of positive gain I ever have without correction. I seriously doubt it will continue the run up as stock markets have become topsy.  My liquid networth (excluding properties/CPF) also continue to hit an all time high of >$1.92 millions (1.67% M2M gain) due to my portfolio gain. Tracking my liquid networth, I recalled that last year March when we have the crash, I lost 12% of my liquid networth in less than 3 days and only to recover that value after 9 months. It has come a long way for me to be on track of hitting my financial goal again.

In term of portfolio change in May, I just added a couple of telecom dividend stocks listed in HKSE. With the return of capital from all corporate actions to delist or recall last month, my cash holding is still high which prompt me to look for replacement. As bond market yield remains depressed and SGX Reits are at pre-covid high, I continue to increase my HKSE dividend portfolio.


Dividends received in May2021 from Foreign Investment (Stocks): USD $1970

Interest received in May2021 from Foreign Investment (bonds): USD $268

Interest received in May2021 from banks interest/FD/others in US: USD $373

Realized gain/loss : Nil

Dividends received in May2021 from SGX: SGD776

Interest received in May2021 from banks interest/FD/others in Spore: SGD $197

SGX Realized gain/loss: Nil

Total dividend and interest from my investment portfolio + bank/money market account + trading gain/loss generated in May2021 : SGD$ 4.4K

YTD Passive income earned from investment only: SGD $26098

Investment Portfolio Monthly Dividend/Interest earned Y-to-Y changes from 2017 to 2021:

Counters from my investment portfolio contributing to monthly Dividend/Interest  in May2021 :

Liquid Networth distribution: