Dec2020-Monthly and FY Finance/Portfolio dividend/interest income update

Investment Portfolio valuation on 31st Dec: $1.023 million (gain 0.8%, +6.36% inclusive of dividend)

Dec 2020 Monthly Investment Portfolio Dividend/Interest received: $4.78K

FY2020  Investment Portfolio Dividend/Interest collected in 2020: $56K

FY2020 Total Realized and Unrealized gain/loss:-$43K (-2.88%, +1% inclusive of dividend)

FY2020  Total Realized gain/loss: -$52K

My dividend/interest received in 2020 help to cover my portfolio realized loss. Overall, I am sort of break even based on total Realized and Unrealized gain/loss. As an old economy investor , my portfolio consist mainly of dividend seeking Property(reit), O&G, and Finance(Euro) counters which did not fare too well in 2020. In the last few month, I have been doing a lot of portfolio rebalancing by selling almost all my high risk O&G MLP and low grade Reits counters which resulted in huge realized loss of 52k. In replacement, I have bought mostly large cap index stock from LSE and HKSE and some ETF from SGX which help to narrow losses in 2020. Overall transactions have resulted in >1/2 million of investment sold and bought which was quite a nerve racking experience. The entire 2020 pandemic crisis actually taught me a lesson to buy only quality company and not to chase after high yield.  Hopefully, the new portfolio will be more resilient in 2021 even though I know that I still have some risky counters to trim. 

One main positive in a dismal year of 2020, my liquid networth (excl properties/CPF) actually hit an all time high of >1.7 millions due to mainly salary injection and low expense. I am certainly grateful to have a job when my investment portfolio did not do well. I am holding a high amount of cash due to the uncertainty of post covid economy disaster. I will prudently add some positions  with my cash pile to build up my  annual dividend yield to about $65K in 2021.

Due to decreased and suspended dividend payout, my 2020 total dividend/interest received is 10% lower than 2019.

Liquid Networth distribution: 

 

Dec 2020 dividend/interest income update:

• Dividends received in Dec2020 from Foreign Investment (Stocks): USD $1211
• Interest received in Dec2020 from Foreign Investment (bonds): USD $1622
• Interest received in Dec2020 from banks interest/FD/others in US: USD $360
• Realized gain/loss : USD: 155
• Dividends received in Dec2020 from SGX:SGD$952
• Interest received in Dec2020 from banks interest/FD/others in Spore: SGD $208
• SGX Realized gain/loss in Dec2020: -SGD 17,348
• Total dividend and interest from my investment portfolio + bank/money market account + trading gain/loss generated in Dec2020: -SGD $11,666

Detailed Dividend/Interest received from investment portfolio in Dec2020 :

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

Nov2020- Monthly Finance and portfolio dividend/interest update

In the month of Nov, my monthly dividend/interest received is around 2.4k. This is one of the lowest monthly passive income received in the last 4 years. This is pretty much due to re-balancing of my portfolio in 2020 to cut most of my riskier counters. In replacement, I have bought mostly large cap index stock from LSE and HKSE. I believe these purchase will bear fruit next year as they are showing strong rebound in stock price and provide a more resilient dividend. In comparison to last month, my portfolio rebound by more than 60k and reduce my YTD unrealized loss to 2.9% without factoring in my dividend. With dividend, my YTD portfolio will still be positive.

My YTD dividend/interest received from my investment is about $51.7K. Currently , I am still projecting a full year of 56k dividend with one more month left in 2020. Throughout 2020, I sold off some of my riskier investment and incur a realized loss of 35k .  I should be able to maintain positive return for year 2020 with probably one more big write off (Lippo Mall reit) before end of the year. The entire 2020 pandemic crisis actually taught me a lesson to buy only quality company and not to chase after high yield.  

I have another bond worth 5K USD that was called this month. It is creating a headache for me as I could not find any bond to reinvest. Due to the record high bond market, bond yield rate like our bank deposit interest has been dismally low. The return from bond investment is so low that it is out weighting the risk.

With the extra cash I have received from callable bonds in the last 2 months. I continue to add some dividend stocks like Fortune Reit (HKSE) and GSK (LSE) as they have been providing attractive and safe yield.  I also bought around SGD10k  of CICT and SGD10K of UtdHampshire reit. In total, I have put in around $256k for 2020 investment while selling about $240k..I hope to build a more robust portfolio for 2021 and beyond to raise my dividend.interest income to go beyond 60k per annual.

Dividends received in Nov2020 from Foreign Investment (Stocks): USD $1113
Interest received in Nov2020 from Foreign Investment (bonds): USD $427
Interest received in Nov2020 from banks interest/FD/others in US: USD $362
Realized gain/loss : USD: 0
Dividends received in Nov2020 from SGX:SGD$89
Interest received in Nov2020 from banks interest/FD/others in Spore: SGD $212
SGX Realized gain/loss: -SGD 1539
Total dividend and interest from my investment portfolio + bank/money market account + trading gain/loss generated in Nov2020 SGD$1333
YTD Passive income earned from investment only: SGD $51,702
YTD Realized Gain/Loss : -SGD35,219

2020 Transaction Summary:

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

 Detailed Dividend/Interest received from investment portfolio in Nov2020 :

Liquid Networth distribution: 

Oct2020- Monthly Finance update -Dividend/Interest received $5.2K

In the month of Oct, my passive income earned is steady at $5.2k. This bring my YTD dividend/interest received from my investment account to $49.5K. One of my counter Accordia was also delisted this month and I made a profit of 8.3k and a capital return of 30K. The profit from Accordia has help to cut my earlier realized loss that occur in March when I sell off some of my riskier investment to 33k . My portfolio has been in the red throughout the year but the dividend collected with realized gain from Accordia delisting, I should be able to maintain positive return for year 2020 barring anymore write off before end of the year. 

In the previous month, I received about 26k USD from the proceed of callable bonds. Of which, I recycle about 23K of my new capital into two new positions (Power Assets Holdings and Link REIT) listed on HKEX and increase my BTI stake to 500 shares. This is my first foray into HK listed stocks as they are providing attractive and safe yield compare to some REITs listed on SGX which have been cutting dividend. 

I will have another two bonds worth 10K USD that will be called next month. It is creating a headache for me as I could not find any bond to reinvest. Due to the record high bond market, bond yield rate like our bank deposit interest has been dismally low. The return from bond investment is so low that it is out weighting the risk.

Dividends received in Oct2020 from Foreign Investment (Stocks): USD $1617
Interest received in Oct2020 from Foreign Investment (bonds): USD $1821
Interest received in Oct2020 from banks interest/FD/others in US: USD $408
Realized gain/loss : USD: 0
Dividends received in Oct2020 from SGX:SGD$372.55
Interest received in Oct2020 from banks interest/FD/others in Spore: SGD $218
SGX Realized gain/loss: SGD 8288
Total dividend and interest from my investment portfolio + bank/money market account + trading gain/loss generated in Oct2020 SGD$14073
YTD Passive income earned from investment only: SGD $49532
YTD Realized Gain/Loss : -$32202

 

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

 Detailed Dividend/Interest received from investment portfolio in Oct2020 :

Liquid Networth distribution: 

 

 

Sep 2020- Monthly Passive Income update -Dividend/Interest received $6.8K

Another wild swing in the stock market on the month of September. However, it did recover toward the end of the month. I tally my dividend/interest received and I was surprised that it hit 6.8K. It does feel like a bonus month as some of my financial stocks listed in UK/EU restored their dividend and give my portfolio dividend a nice bump. My YTD dividend received from my investment account hit 44K which basically covered all my earlier realized loss that occur in March when I sell off some of my riskier investment.

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

 

I have another 4 bonds being called. 2 of them are from Prudential Finance and there were my favorite investment grade bond which offer good yield and a lot of stability to my portfolio throughout the turbulent year of 2020.  I will be receiving a total of 26k USD cash from these called bond. 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 3 dividend stocks listed on LSE (BATS, GSK and LGEN). I also initialed a position on Hong Kong Land as the dividend yield is almost 6%.  Currently, I find the valuation of Hong Kong land very attractive compare to all the Reits listed on SGX which have been cutting dividend. I am keeping my finger cross that all the dividends from my recent purchase to replace my bond will be safe.  

Dividends received in Sep2020 from Foreign Investment (Stocks): USD $1103.22
Interest received in Sep2020 from Foreign Investment (bonds): USD $1334.08
Interest received in Sep2020 from banks interest/FD/others in US: USD $404
Realized gain/loss : USD: 0
Dividends received in Sep2020 from SGX:SGD$3347
Interest received in Sep2020 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$7392
YTD Passive income earned from investment only: SGD $44517
YTD Realized Gain/Loss : -$41868
Detailed Dividend/Interest received from investment portfolio in Sep2020 :

Liquid Networth distribution: