Portfolio

As at 21 February 2018

Overall Portfolio (Value: $432,000)


1. 15HWW Permanent Portfolio

USD-SGD Rate: 1.32

UOB 50 Gram PAMP Gold Price: $2,831 x 6 = $16,986

Annualised Returns: 7.4% p.a. (Jan 2017 to Feb 2018)


2. Personal Picks
Annualised Returns: 6.7% p.a. (Nov 2010 to Jan 2018)


3. DWI Picks

Sub-portfolio Value: $80,822

Number of local stocks: 6

Number of international stocks: 5

Annualised Return: 0.7% (Sep 2016 to Feb 2018)


4. Warchest

Value: $74,000

 


 

25 thoughts on “Portfolio

  1. HY

    Wow you have such a strong portfolio! I am turning 31 with more than 200K cash sitting around earning peanuts fixed D interest and I don’t have a single stock to my name 🙁 I was waiting to buy Keppel Corp but kept hanging on for that final decline to below 7.99… then I missed the boat and the rest is history Greed’s always getting the better of me!!

    1. My 15 HWW Post author

      Hi HY,

      If you have 200K of cash sitting around at this point in time, you can easily replicate my portfolio!

      Perhaps one way to overcome this “greed” of yours is to start small? About 5 years ago, I just took the plunge and bought some stocks to kickstart the journey. I suffered some losses in the first year but as they were good businesses, the prices rebounded subsequently. The losses initially were quite small and quite inconsequential.

      And since you do have quite a bit of cash, the losses on a small portfolio should have little impact on your overall financial health. The benefits are far-reaching though. Very importantly, you will start to discover your own psyche in investing. According to most experts, that determines your investment outcome more than any other factor.

      1. Byte Sized Investments

        Hi 15 HWW, it is very heartening to see someone so young, yet have such a structured and discipline personal finance system.

        HY, I do agree with 15 HWW on the need to start small, if there’s damage, it would be small and contained, at the same time, the value from the experience would be priceless and irreplaceable.

        Another way you could do this is to know how much the company is worth, in that way, when the price goes below your valuation, you could could consider buying in bite-sized amount, with tiered entry prices. Many of the leading bloggers/writers are already doing that. Fifthperson mentioned about it. Author of ASSI, AK, calls such actions “Nibbling at a stock”.

        15 HWW, u reckon?

        would take small bite-sized portion of your cash holding and tiered you

  2. JC

    Hello, i’m interested in when did you start investing and how did you do it financially?

    I’m still in my first year of work and am building up a 6 month buffer as well as paying insurance while saving roughly 30% of my income, which should take me about another year to fill up.

    Did you start investing while building up your buffer or after?

    Buffer: http://www.moneyunder30.com/emergency-fund

    1. My 15 HWW Post author

      Hi JC,

      I started investing 5 years ago and I guess I already had a 6 months buffer before I started investing.

      But back then, my expenses were really low so it didn’t take me very long to build up a buffer.

  3. AZ

    Hi, I’m a final year uni student and am looking to build a portfolio as strong as yours! May I know how you allocate your expenses between personal savings and investments? Plus, since you’re already married, the wedding must have been a rather huge expense! How do you do all that while still managing to accummulate $250,000? Would love for some financial tips 🙂

    1. My 15 HWW Post author

      Hi AZ,

      Actually, back in those days, I didn’t really have a rule between personal savings and investments!

      Most of it was actually channelled into investments as I always feel the cash will come in quickly again through the job. 🙂

      We tried to cap the wedding costs through a few measures and the angbao more than covered the extra expenses. You can read more about it here: https://www.my15hourworkweek.com/2013/08/19/money-bomb-1-the-wedding/

      As I have explained, there really isn’t much secret sauce to it. It’s just frugality and some hard work when we were young.

      You’re young too and I think with your current mindset, you wouldn’t be too far off by the time you turn 30!

  4. KP

    Hey 15HWW,

    can’t wait for the new layout to be ready. Wanted to pick your brains and find out what tips you would give a noob when it comes to investing and portfolio building. I’m a late starter but at least, I’m starting 🙂

    KP

    1. My 15 HWW Post author

      Hi KP,

      There are tons of tips everywhere, not just on this blog but on the local blogosphere!

      Earn a bit more, save a bit more, and find out slowly which investment style suits your temperament.

    1. My 15 HWW Post author

      Hi kelvin,

      I am using iOCBC purely for convenience sake. Most brokers’ fees are similar although there are some that are slightly cheaper than the rest.

  5. Ricky

    Hi, I really impress with your portfolio, wish I can replicate yours soon since I am bit late to start investing. Question, we all know that CEO of Berkshire Hathaway is old, do you still consider his stock on your core portfolio if one day he pass away?

    1. My 15 HWW Post author

      Hi Ricky,

      10 years ago, people were already concerned about Buffett’s age but things are still good right now. But of course, he’s probably nearer and nearer to his death.

      I do have faith that the leadership succession plans are already in place so I am not too worried. If there is a knee-jerk reaction and the price tumbles, I would see it as a good opportunity to add more of it.

  6. Fellow PFG

    Hi 15HWW,

    Thank you for sharing your personal investment portfolio. May I know how do you manage to have $400k by the age of 30? The amount is pretty impressive. Is stock investing your only way of achieving that?

    Thank you,
    Fellow PFG

    1. My 15 HWW Post author

      Hi Fellow PFG,

      Just curious, what does PFG stand for?

      Firstly, it’s a two-person portfolio, not one. Basically it’s more about savings rather than investment returns at this stage. But going forward, investment returns will play an equally important if not more important role.

      1. Bob chai

        Hi I’m new to your blog and very amassed by the amount you have in your portfolio. Could you further elaborate and share on roughly how much to save and invest per month and how long has it been as I’m also doing that for my wife and myself thanks!

        1. My 15 HWW Post author

          Hi Bob,

          Welcome to the blog and thanks for your comments.

          It would be difficult to advise as how much to save and invest is a function of how much you earn. We were able to save and invest more in the past when we had higher incomes. Now, the savings and investing are much more modest as self-employed individuals.

    1. My 15 HWW Post author

      Hi Bakkie,

      We hope to have kids in the future and although it will definitely increase our expenses, we feel that it should be manageable when the time comes.

  7. Kim

    Hi 15HWW,

    I am looking to invest around 200k cash which is sitting in the bank earning close to nothing.

    But I am not sure if i should be investing into stocks or property.

    I see that you are getting around 5% – 7% annual returns on overall portfolio consisting mostly stocks and commodity.

    I dont have time to look at the stocks and do not really have the mindset to watch the rise and fall (afarid it might go down further and sell it)

    So I would like to check if you feel this this property investment with 7% guaranteed rental annual returns for 10 years by a reputable developer which can give me a good annual return and a peace of mind is a good buy.

    I haven factor in the capital appreciation which I think has room to grown as its the first project to be launch (first mover advantage)

    this is a the link to the property

    https://newlaunch.forsale/property/the-bridge-cambodia/

    Do you think guaranteed 7% per annual is a good buy?

    Thanks !

    1. My 15 HWW Post author

      Hi Kim,

      It’s not fair to give a proper comment since I do not know much about property investment in general.

      But I will be skeptical of any instruments that guarantees a return that is above 5%.

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