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: