Financial Snapshot - Dec 2018

This is a snapshot of my finances at end of 2018.

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 ending	Stocks	Bonds	Cash for investment	Net cash input
2015	52451.71	20872	8335.63	0
2016	105461.92	20905	5839.25	25900
2017	189466.76	25502.18	1994.31	34823.9
2018	229823.25	27387.34	248.26	34120.43

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. Since starting work in the US from Oct 2017 onwards, I also added my 401K and Wealthfront investments to the above.

Portfolio Snapshot - Passive Income

From my post on Dec 11, 2016, I stated:

"Will be sharing my passive income (dividends, bond coupons, bank deposit interest, fixed deposit interest, MMF interest) around this time every year."

But I forgot to do it for 2017. Anyway, I am sharing now in 2018:

As shown above, my monthly passive income is $766.48. Once I increase this to my monthly expenditure amount, I can retire!

Mark to Market Returns turns Negative

At the beginning of 2018, my mark to market returns were around $15,000. However the recent downturn in the Singapore market erased all these returns. You can see the 'Total profit (mark to market)' entry is negative below:

Some causes of the recent downturn in the market could be due to Trump's trade war with China. And also the lackluster property market in Singapore with the introduction of more cooling measures by the government.

Fortunately, with dividends, my returns are still positive.

As my investment duration is ~30 years till retirement, it pays to stay invested in the market.

If I have more 'bullets', I will buy more now.

Portfolio Snapshot - Breakeven Price Oct 2018

Here's another snapshot of my portfolio based on breakeven price:

The column 'price' indicates the current price of the stock.

The column 'breakeven_price' indicates the breakeven price of the stock with dividends and stocks from distribution reinvestment plan included. As long as the price of stock is above the breakeven price, I can sell the stock for a profit.

The column 'breakeven_price_status' indicates if the stock price is above the breakeven price.

Portfolio Snapshot - CAGR Oct 2018

Here's a snapshot of my current portfolio:

The column 'cagr' represents the compound annual growth rate of that stock.

The column 'cagr_inc_div_drp' shows the compound annual growth rate including dividends paid out and additional stocks obtained through distribution reinvestment plans.

The column 'cagr_benchmark' shows the compound annual growth rate of the benchmark. The benchmark is the SPDR STI ETF, stock code 'ES3'.

The column 'cagr_benchmark_status' shows yes if we beat the benchmark. The more 'Yes' the better.

The column 'returns_one_year' shows the returns in the past one year.

The columns 'cagr', 'cagr_inc_div_drp', 'cagr_benchmark', 'returns_one_year' are shown in percentages.

Portfolio allocation - Jun 2018

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%
2018	53%	8.84%	1.71%	1.64%	8.82%	26.03%

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

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

Retirement Calculator Snapshot - Jan 2018

I did a re-calculation of my retirement calculator:

 

There were some adjustments as I moved to a higher-paying job.

3.39 years till FI!

FIRE (financial independence, retire early) on!