Wednesday, February 14, 2024

Jan2024 Finance update - Monthly Dividend/Interest received $7.7K

Jan2024 Dividend/Interest received from my investment and retirement account is about SGD $7664. Dividend and interest income were collected from more than 31 over counters and ETFs in January. YTD portfolio performance drop to - 0.6% and -0.2% if dividend is included. The drop is due to FED comment that rate cut might be delayed.

Trade in Jan.

There is very little action as I only added 2000 Nikko Reit ETF shares on SGX with some dividend collected in December. 

2017 to 2024 Monthly Dividend/Interest earned from Investment Portfolio :


Dividends received in Jan2024 from Foreign Investment (Stocks): USD $3783

Interest received in Jan2024 from Foreign Investment (bonds): USD $640

Interest received in Jan2024 from banks interest/FD/others in US: USD $80

(Newly added) Dividend/Interest received in Jan2024 from retirement account: USD 819

Realized gain/loss in USD: $ Nil

Dividends/Interests received in Jan2024 from SGX: SGD 559

Interest received in Jan2024 from banks interest/FD/others in Spore: SGD 186

SGX Realized gain/loss SGD: Nil

Total dividend and interest from my investment portfolio + bank/money market/retirement account + trading gain/loss generated in Jan2024 : SGD$7664

Jan2024 Dividend earned from investment account only: SGD $6600

Counters from my investment portfolio contributing to monthly Dividend/Interest in Jan2024 :


Jan2024 Liquid Net worth distribution:


Jan2024 Investment/Retirement Portfolio including SSB:





Wednesday, January 3, 2024

Dec2023 Finance update - Monthly Dividend/Interest received $8.6K , YTD Total=$122K

 Dec2023 Dividend/Interest received from my investment and retirement account is about SGD $8587 and YTD investment income received is $122K. The annual investment income collected hit ATH as my dividend/Interest growth for 2023 hit 34%. The amount of income received in 2023 also means I have hit 6 figures annually and 5 figures monthly on average for the first time. The huge increase in investment income was a result of reducing cash holding from 30+% to 12 %. Most of these cash holding were from my US retirement account from my previous job and they have been reinvested into higher yielding investment grade Corporate bonds and Treasury bill ETFs throughout 2023. 

Investment Portfolio YTD gain including dividend rebound strongly to 14.3%, YTD gain excluding div is 6.87%. This is the best monthly performance in 2023 as FED announced rate cut in 2024 and this boosted the overall stock markets. As a result, my YTD liquid net worth increase also hit 14.68% . 

Trade in Dec.

I have continue to buy more bond ETF in my retirement account to lock in the current interest rate in Dec due to market anticipation that interest rate is going to be cut in 2024 at least 3 times. On HKSE ,I have bought a new dividend ETF 3070.etf which has an average 7% yield due to HKSE crashing. On SGX , I have increased Reit ETF CFA and Cromwell Euro reit. . I also bought another 10k of SSB before its interest rate dropped in 2024. I will be holding 146k of SSB in 2024.  


2017 to 2023 Monthly Dividend/Interest earned from Investment Portfolio :



Dividends received in Dec2023 from Foreign Investment (Stocks): USD $2376

Interest received in Dec2023 from Foreign Investment (bonds): USD $997

Interest received in Dec2023 from banks interest/FD/others in US: USD $65

(Newly added) Dividend/Interest received in Dec2023 from retirement account: USD 1345

Realized gain/loss in USD: $ nil

Dividends/Interests received in Dec2023 from SGX: SGD 2176

Interest received in Dec2023 from banks interest/FD/others in Spore: SGD 192

SGX Realized gain/loss SGD: Nil

Total dividend and interest from my investment portfolio + bank/money market/retirement account + trading gain/loss generated in Dec2023 : SGD$8587

Dec2023 Dividend earned from investment account only: SGD $6562

Counters from my investment portfolio contributing to monthly Dividend/Interest in Dec2023:

Dividend and interest income were collected from more than 29 over counters and ETFs in Dec.


Dec2023 Liquid Asset distribution:







Wednesday, December 6, 2023

Nov2023 Finance update - Monthly Dividend/Interest received $10.9K and YTD Total=$113K

Nov2023 Dividend/Interest received from my investment and retirement account is about SGD $10868 and YTD investment income received is $113K. This is the 6th monthly investment income received hitting 5 figures for 2023. The higher than expected dividend received in November was due to KIT special dividend of >3K as this is one of my larger holding in SGX . Dividend and interest income were collected from more than 25 over counters and ETFs in November. Investment Portfolio YTD gain including dividend rebound strongly to 7.94%. This is the best monthly performance in 2023 as inflation has fallen sharply and boosted the overall stock markets.

Trade in Nov.

I have continue to buy more bond ETF to lock in the current interest rate as bond price rose sharply in November due to market anticipation that interest rate has peaked. I bought a term bond etf IBDW which mature 2031 with has a YTM closed to 6 %. Another bond etf is VDCP.L with an average investment grade of A-. I have also bought a new HKSE dividend ETF 3110.etf with has an average 9% yield due to HKSE crashing. . I also added another 20k of SSB when its interest rate hit 3.4%.I have invest heavily in bonds in November because I preferred to have more certainty in investment income received in coming year. If interest rate remain elevated in 2024, I am worry that most of the Reits I am holding will be cutting dividend as their refinancing cost soar.

2017 to 2023 Monthly Dividend/Interest earned from Investment Portfolio :


Dividends received in Nov2023 from Foreign Investment (Stocks): USD $2774

Interest received in Nov2023 from Foreign Investment (bonds): USD $392

Interest received in Nov2023 from banks interest/FD/others in US: USD $78

(Newly added) Dividend/Interest received in Nov2023 from retirement account: USD 1095

Realized gain/loss in USD: $ 75

Dividends/Interests received in Nov2023 from SGX: SGD 5025

Interest received in Nov2023 from banks interest/FD/others in Spore: SGD 202

SGX Realized gain/loss SGD: Nil

Total dividend and interest from my investment portfolio + bank/money market/retirement account + trading gain/loss generated in Nov2023 : SGD$10966

Nov2023 Dividend earned from investment account only: SGD $9445

Counters from my investment portfolio contributing to monthly Dividend/Interest in Nov2023 :


Nov2023 Liquid Net worth distribution:

YTD Net worth increase also hit 10% due to strong stock market rebound.


Nov2023 Investment/Retirement Portfolio including SSB:



Wednesday, November 15, 2023

Oct2023 Finance update - Monthly Dividend/Interest received $10.9K and YTD Total=$103K

Oct2023 Dividend/Interest received from my investment and retirement account is about SGD $10869 and YTD investment income received is $103K. This is the 5th monthly investment income received hitting 5 figures for 2023.  Dividend and interest income were collected from more than 35 over counters and ETFs in October. Investment Portfolio YTD gain including dividend has dropped to 0.38%. This is pretty bad as the market is under intense selling pressure in Oct due to FED comment that interest rate will be staying high.  

Trade in Oct.

I have continue to increase small stake in 2 LSE counters BATS and LGEN again. Their dividends are very attractive at >8%. I also added another 15k of SSB as its interest continue to stay above 3%. I have also bought a small stake in SGX counter LHN. 

2017 to 2023 Monthly Dividend/Interest earned from Investment Portfolio :


Dividends received in Oct2023 from Foreign Investment (Stocks): USD $5935

Interest received in Oct2023 from Foreign Investment (bonds): USD $540

Interest received in Oct2023 from banks interest/FD/others in US: USD $75

(Newly added) Dividend/Interest received in Oct2023 from retirement account: USD1264

Realized gain/loss in USD: $0

Dividends received in Oct2023 from SGX: SGD499

Interest received in Oct2023 from banks interest/FD/others in Spore: SGD209

SGX Realized gain/loss SGD: Nil

Total dividend and interest from my investment portfolio + bank/money market/retirement account + trading gain/loss generated in Oct2023 : SGD$10899

Oct2023 Dividend earned from investment account only: SGD $9225

Counters from my investment portfolio contributing to monthly Dividend/Interest in Oct2023 :

Oct2023 Liquid Net worth distribution:


Oct2023 Investment/Retirement Portfolio including SSB:




Thursday, October 5, 2023

Sep2023 Finance update - Monthly Dividend/Interest received $17.2K, Q3 Total=$40.6k and YTD Total=$92K but paper loss hit $144k.

Sep2023 Dividend/Interest received from my investment and retirement account is about SGD $17192. Q32023 investment income received is $40.6k and YTD investment income received is $92K. This is the highest monthly investment income received since I started tracking.  Dividend and interest income were collected from more than 42 over counters and ETFs in September. This is as good as getting paid almost everyday. Investment Portfolio YTD gain including dividend dropped to 2.12%. Portfolio is sitting at an unrealized loss of 144k (simple current price - cost) without accounting for dividend received and realized profit taken since inception. This is pretty bad as the market is under intense selling pressure in Sep due to FED comment that interest rate will be staying high.  It is better to stay prudent as market could be hitting new low in the coming month.

Trade in Sep.

I have continue to increase small stake in 2 LSE counters BATS and LGEN again. Their dividends are very attractive at >8%. I also added another 20k of SBB as its interest went above 3%. While the stock markets presented a lot of opportunity to average down cost price, I still prefer to add on my SSB allocation whenever its interest rate went above 3%.  On HKSE, I sold off my China Mobile before dividend ex-date thinking I can buy back cheaper and save on the 10% WHT. However, China Mobile continue to stay high after ex-date. I used the sale proceed from China Mobile and bought 3 HKSE property counters SHK 16.hk, Henderson 12.hk and Sino 83.hk which crashed badly by 5-10% in Sep. This is a direct swap so it doesn't affect my allocation in HKSE portfolio. On hindsight, it was a bad mistake to sell off my China Mobile which I have high regard. I will wait for another opportunity to see if I can buy back China Mobile at below $63. Overall , I have not buy anything significant in Aug and Sep except putting 30k in SSB. Current strategy is to be patient and stay high on cash (include SSB and MM) and short term investment grade bonds which are 17% and 19% respectively of my liquid net worth allocation. 

2017 to 2023 Monthly Dividend/Interest earned from Investment Portfolio :


Dividends received in Sep2023 from Foreign Investment (Stocks): USD $6869

Interest received in Sep2023 from Foreign Investment (bonds): USD $753

Interest received in Sep2023 from banks interest/FD/others in US: USD $68

(Newly added) Dividend/Interest received in Sep2023 from retirement account: USD $979

Realized gain/loss in USD: $0

Dividends received in Sep2023 from SGX: SGD $5698

Interest received in Sep2023 from banks interest/FD/others in Spore: SGD $224

SGX Realized gain/loss SGD: Nil

Total dividend and interest from my investment portfolio + bank/money market/retirement account + trading gain/loss generated in Sep2023 : SGD$17192

Sep2023 Dividend earned from investment account only: SGD $15607

Counters from my investment portfolio contributing to monthly Dividend/Interest in Sep2023 :


Sep2023 Liquid Net worth distribution:


Sep2023 Investment/Retirement Portfolio including SSB:



Thursday, September 7, 2023

Aug2023 Finance update - Monthly Dividend/Interest received $10K

Aug2023 Dividend/Interest received from my investment and retirement account is about SGD $10,468. This is the third consecutive month when my monthly investment income tops 5 digits. Dividend and interest income were collected from more than 26 over counters and ETFs. This is as good as getting paid almost everyday. Investment Portfolio YTD gain including dividend dropped to 3.9% and liquid net worth YTD gain also dropped to around 6.85%. This drop is expected due to ex-dividend date.  

Trade in Aug.

I only increased stake in 2 LSE counters BATS and LGEN. Their dividends are very attractive at >8%. It was a good opportunity to add HKSE in Aug as HKSE index plunged again. However, I am fullly invested in HK/China market and will adopt wait and see as it has been too volatile for my liking. I also added another 10k of SBB as its interest went above 3%. While the stock markets presented a lot of opportunity to average down cost price, I still prefer to add on my SSB allocation whenever its interest rate went above 3%.   

2017 to 2023 Monthly Dividend/Interest earned from Investment Portfolio :



Dividends received in Aug2023 from Foreign Investment (Stocks): USD $4603
Interest received in Aug2023 from Foreign Investment (bonds): USD $725
Interest received in Aug2023 from banks interest/FD/others in US: USD $107
(Newly added) Dividend/Interest received in Aug2023 from retirement account: USD $951
Realized gain/loss in USD: $0
Dividends received in Aug2023 from SGX: SGD $1954
Interest received in Aug2023 from banks interest/FD/others in Spore: SGD $212
SGX Realized gain/loss SGD: Nil
Total dividend and interest from my investment portfolio + bank/money market/retirement account + trading gain/loss generated in Aug2023 : SGD$10468
Aug2023 Dividend earned from investment account only: SGD $8881

Counters from my investment portfolio contributing to monthly Dividend/Interest in Aug2023 :



 

Aug2023 Liquid Net worth distribution:





Aug2023 Investment/Retirement Portfolio including SSB(under I bond) :