Thursday, September 3, 2020

Aug 2020- Monthly Passive Income update -Dividend/Interest received $4.2K(YOY drop of 35%!!)

 It's time for another monthly tally of dividend/interest received from my portfolio. In the month of Aug, my monthly passive income collected is around $4.2k. Compare to 2019 Aug, the dividend/interest collected from my stock/bond portfolio is down by around $2.2K which is a year to year 35% plunge!! This is due to dividend suspension/cut that affected almost every dividend investors.
Monthly Dividend/Interest earned Y-to-Y changes from 2017 to 2020:

We continued to see great recovery in the US market that actually hit a record high despite having the worst pandemic crisis. The recovery is not broad based as it has only benefit the tech sectors in the US. Meanwhile , most of the sectors like real estate,consumers, retail and travel etc are still performing poorly across the global markets. My reit and O&G counters continue to underperform. However, my US bonds portfolio has hit a record high as well. This has help me to reduce my paper loss to -6.95% compare to last month -8.5%.  

I have another bond being called. Due to the record high bond market, bond yield rate like our bank deposit interest has been dismally low and I could not find any bond to reinvest. I have used the extra cash from the bond call to purchase 2 dividend stocks listed on LSE instead..Keeping my finger cross that both dividends will be safe.

My liquid networth continued to increase by another 1.7% in Aug contributed by improving financial market and salary contribution. My overall dividend yield has dropped to 5.84% after accounting all the dividend cut and suspension.

Dividends received in Aug2020 from Foreign Investment (Stocks): USD $836
Interest received in Aug2020 from Foreign Investment (bonds): USD $1020
Interest received in Aug2020 from banks interest/FD/others in US: USD $391
Realized gain/loss : USD: 583
Dividends received in Aug2020 from SGX:SGD$1512
Interest received in Aug2020 from banks interest/FD/others in Spore: SGD $208
SGX Realized gain/loss SGD: 0
Total dividend and interest from my investment portfolio + bank/money market account + trading gain/loss generated in Aug2020 SGD$5541
YTD Passive income earned from investment only: SGD $39659
YTD Realized Gain/Loss : -$41868
Detailed Dividend/Interest received from investment portfolio in Aug2020 :

Liquid Networth distribution:


Wednesday, August 5, 2020

JuL 2020- Monthly Finance/Portfolio update -Dividend/Interest received $4.4K

It's time for another monthly update. Nothing exciting for the month of July and my monthly passive income collected from my investment portfolio is around $4.4k . Compare to 2019 July, the dividend /interest collected from my stock/bond portfolio is down by around $1.6K. While we've seen some small recovery and ups and downs, the market remain volatile, with perhaps the slightest bit of pandemic apprehension due to increasing numbers around the world again. My liquid networth continued to increase by another 1.6% in July contributed by improving financial market, salary contribution and one of lowest monthly expense in recent years.  Current investment portfolio is sitting on a -8.5% paper loss end of Jul however the loss will be much reduced if I factor in the dividend yield. My overall dividend yield has dropped to 5.84% after accounting all the dividend cut and suspension.

As a result of volatile market throughout 2020 and dividend suspension/cut , most of my new positions have been bonds purchase. I purchased another 3 baby bonds which are recently listed in June and July. The bond purchase compliments some change in my retirement strategy to be as conservative as long as I have achieved a passive income that is more than my expense.

Dividends received in Jul2020 from Foreign Investment (Stocks): USD $1449
Interest received in Jul2020 from Foreign Investment (bonds): USD $1342
Interest received in Jul2020 from banks interest/FD/others in US: USD $434
Realized gain/loss : USD: 0
Dividends received in Jul2020 from SGX:SGD$413
Interest received in Jul2020 from banks interest/FD/others in Spore: SGD $225
SGX Realized gain/loss SGD: 0
Total dividend and interest from my investment portfolio + bank/money market account + trading gain/loss generated in Jul2020 SGD$4992
YTD Passive income earned from investment only: SGD $33861
YTD Realized Gain/Loss : -$42685
Detailed Dividend/Interest received from investment portfolio in Jul2020 :

Liquid Networth distribution:

Monthly Dividend/Interest earned Y-to-Y changes from 2017 to 2020: