Portfolio Update: July 2016

The longer I am in this investing business, the more difficult I find to comprehend it.

Markets are up, despite Brexit. And the US markets are chionging to new all-time highs, with REITs leading the charge.

My next prediction? Interest rates to go up despite Brexit and REITs falling back down. It has to obey the law of gravity but well, why listen to me? I have almost always gotten these stuff all wrong. =p

I guess I am starting to appreciate the fact that “inactivity” is the hardest thing to do in the market. On hindsight, the past month’s activities do look ludicrous on closer scrutiny, especially for a guy like me who doesn’t thrive on excitement or stimulation.

1. Core Portfolio

This Core Portfolio will be adopting the principles of the Permanent Portfolio/All-Weather Portfolio and I am in the midst of accumulating further assets by the end of this year to launch it properly at the beginning of 2017. Will be revealing the allocation percentages in due time for a $150,000 portfolio.

Financial markets are mostly up and this core portfolio has followed suit, increasing its value by close to $3,000 from the previous month.

Asset Avg Bought Amount Price Valuation Allocation
STI ETF $2.92 12,800 $2.96 $37,888 32.5%
Berkshire B $134.50* 120 $145.97 $23,647 20.3%
SSBs $1.00 15,000 $1.00 $15,000 12.9%
Cash (SGD) $1.00 40,000 $1.00 $40,000 34.3%
Total $116,535 100.0%

2. Local Stock Portfolio

A very active month. Bought into shares like UOL and Singpost earlier and then sold my OCBC, Ho Bee and PLIFE Reit shares during the Brexit postmortem. This is probably my most active month to date as I expected Brexit to be a game-changer. But well, the markets always surprise.

Even though I have probably broken the adage of “Buy low and sell high”, I am just glad that on a whole, I haven’t really been missing out on the recently rally since this portfolio is still up close to 5% even after the many mistakes and transaction fees.

Stock Amount Price Valuation Allocation
ST Engg 6,500 $3.370 $21,905 18.14%
Kingsmen 27,700 $0.625 $17,313 14.34%
CCT 6,000 $1.570 $9,420 7.80%
MCT 6,000 $1.550 $9,300 7.70%
Semb Corp 3,000 $2.940 $8,820 7.30%
UOL 1,500 $5.680 $8,520 7.06%
SingPost 5,500 $1.515 $8,333 6.90%
HK Land 1,000 $8.290 $8,290 6.87%
Boustead 9,000 $0.795 $7,155 5.93%
Genting 8,000 $0.805 $6,440 5.33%
M1 2,000 $2.780 $5,560 4.60%
MTQ 10,000 $0.480 $4,800 3.97%
Super Grp 4,000 $0.800 $3,200 2.65%
Bou Proj 2,700 $0.630 $1,701 1.41%
Total $120,756 100.00%

3. Emergency Funds

I guess the only positive is that I managed to buy a little bit more of bullion and foreign currencies during the past month to boost the funds in this category.

Asset Amount
CPF OA $38,000
Cash (SGD) $20,000
FCL Bonds $21,000
Alternative Currencies $20,000
   
Total $99,000

 

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11 thoughts on “Portfolio Update: July 2016

  1. Sillyinvestor

    Hi 15 HWW,

    You are not the only one scratching your head. I have gone from “huh? Ok, maybe next week
    It will fall” to “bring it on, I am going to exit more positions”

  2. Budget Babe

    A $330k portfolio in total! That’s incredible! Teach me how to get there leh I’m not that much far off in age but my portfolio value is HUGELY minuscule in contrast!

    1. My 15 HWW Post author

      Hi Budget Babe,

      I guess with your interactions with other experts, I am probably not in a good position to “teach” or even “advise”.

      For our case, it’s really about living a “enough” lifestyle, socking away the excesses, and hoping for the best in the markets.

    1. My 15 HWW Post author

      Hi JYKL,

      Thanks! I think you are making good progress too! Anyway, mine is a combined portfolio with the Mrs, so if divided by two, it won’t be so impressive anymore.

      The great thing about the financial blogosphere is that in terms of personal finances, even though one might appear average here, he/she is easily in the top quintile among the population.

    1. My 15 HWW Post author

      Hi MSR,

      I am pretty sure your portfolio is doing well too, with the recent Reits run up. Noticed you have quite a few Reits in your portfolio.

      Yup, I have pretty much given up on positioning my purchases with short term macro trends. It’s hard to predict the outcome of the voting machine, both politically and in financial markets.

  3. B

    Good balance there my friend… i think you are ready to pounce on any opportunities whichever the market might go from here.

    Just curious, which currencies that you have added on? Pounds?

    1. My 15 HWW Post author

      Hi B,

      I guess we are having similar allocations between cash/stocks.

      I have added some CAD and gold bullion actually. I love Canada so the money is going to come in handy one day.