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: 

Tuesday, May 4, 2021

Apr2021 Finance update -Monthly Dividend/Interest received $5k

In the month of April, there is not much change in my dividend/interest received which hit about 5K , roughly the same as what I earned in the last 4 years. However, there is a big change in my portfolio again as one of my biggest holding BPY (a foreign REIT listed in US) will be privatized in Q3 and will stop paying dividend. I decided to sell it off as its price hit the delisting offered price. BPY is the only reit I found listed on US that has a very low WHT because it is incorporated in Bermuda. With its high yield and a strong sponsor Brookfield which is one of the largest asset management company in the world, it has been one of my favorite holding in the last few year. 

I have another SGX counter(SingRe) being privatized as well and a US Corporate bond(KW) called. I have also sold off another preferred shares after a credit downgrade even though there is no impact on its share price. With the return of capital from all these corporate actions, my cash holding increased by another 60K-80K which prompt me to look for replacement. As bond market yield remains depressed and SGX Reits are at pre-covid high, I decided to increase my HKSE dividend portfolio ( HKSE dividend portfolio ) with the new capital. I will provide an update on my HKSE dividend portfolio in the near future.

Generally, April was a good month for my finance as my investment portfolio hit a new high of > $1.2 million with a 10.56% unrealized gain of 116K. Part of the portfolio increase was due to exercising my company stock option. My liquid networth (excl properties/CPF) also continue to hit an all time high of >$1.89 millions (2.91% M2M gain) due to my portfolio gain. 

Dividends received in Apr2021 from Foreign Investment (Stocks): USD $1957.18

Interest received in Apr2021 from Foreign Investment (bonds): USD $1509.18

Interest received in Apr2021 from banks interest/FD/others in US: USD $410

Realized gain/loss : USD $2379

Dividends received in Apr2021 from SGX: SGD300

Interest received in Apr2021 from banks interest/FD/others in Spore: SGD $197

SGX Realized gain/loss: SGD1875

Total dividend and interest from my investment portfolio + bank/money market account + trading gain/loss generated in Apr2021 : SGD$ 10.6K

YTD Passive income earned from investment only: SGD $22367

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 Apr2021 :


Liquid Networth distribution: