Saturday, December 30, 2017

Financial Snapshot - Dec 2017

This is a snapshot of my finances at end of 2017.

Naturally, I do not want to disclose too much details or my net worth, amount I have in banks etc. so I will just share the following:

Year endingStocksBondsCash for investmentNet cash input
201552451.71208728335.630
2016105461.92209055839.2525900
2017189466.7625502.181994.3134823.9

Not included in the above are bank savings, insurance policies, CPF, SRS etc. The above are just the amount of stocks and cash in my 2 stock brokerage accounts, the stocks in my BCIP and SRS account, and the bonds I am holding at the moment.

Sunday, September 24, 2017

Retirement Calculator Snapshot - Sep 2017

Updated my retirement calculator. Below 'Years till FI' shows the number of years it will take till I reach financial independence. This is based on the retirement calculator from Mad Fientist. 

"Inflation-adjusted growth rate": Assume STI returns around 8%, with inflation around 4%, inflation-adjusted growth rate will be 4%.

It should be noted that the "Starting Balance" does not include property. In the Singapore context, I think it is difficult for housing to grow at 4% per year, especially since I bought a resale flat. Even if you rent out a room, and get say 600 for 1 room, that will be 600*12=7200 per year which is 1.8% per year only!

6 more years till FI!


Saturday, June 24, 2017

Portfolio Allocation - Jun 2017

I have been reading "A random walk down wall street", and it is recommended that portfolio be as such for late thirties to early forties:


Stocks 65%(1/2 US, 1/4 developed international markets, 1/4 emerging international markets), Bonds 20%, Real estate 10% (REITs), Cash 5%

I decided to tweak this a bit to suit my taste:


Stocks + REITs 75%(3/6 or 36% Singapore, 1/6 or 13% US, 1/6 or 13% developed international markets, 1/6 or 13% emerging international markets), Bonds 20%, Cash 5%


Here's what I have so far:




Year Stocks + REITs - Singapore Stocks + REITs - US Stocks + REITs - Developed Stocks + REITs - Emerging Bonds Cash
2017 43% 3.23% 1.56% 1.54% 7.6% 42%

Overweight on Stocks + REITs - Singapore, and too much cash.

Will slowly tune this, and update every year in June.

Saturday, March 25, 2017

Retirement Calculator Snapshot

Decided to do an annual snapshot of my retirement calculator. Below 'Years till FI' shows the number of years it will take till I reach financial independence. This is based on the retirement calculator from Mad Fientist. Will update end of Jan every year.


Wednesday, January 11, 2017

Breakeven without dividends!

Today I finally breakeven even without dividends! Meaning if I sold all my stocks today, and even if I collected 0 dividends from all my stocks over all these years, I would have made $529!