Portfolio

As at 17 April 2017

Overall Portfolio


1. 15HWW Permanent Portfolio

USD-SGD Rate: 1.40

UOB 50 Gram PAMP Gold Price: $2,880 x 6 = $17,280

Annualised Returns: 8.6% (Jan 2017 to Apr 2017)


2. Personal Picks

Annualised Returns: 6.9% (Nov 2010 to Apr 2017)


3. DWI Picks

Portfolio Value: $63,959

Number of local stocks: 4

Number of foreign stocks: 4

Annualised Return: 10.9% (Sep 2016 to Apr 2017)


4. Warchest

Value: $70,000


 

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    17 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: http://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.

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