Financial Snapshot - Dec 2019

This is a snapshot of my finances at the end of 2019.

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

Year ending	Stocks	Bonds
2015	52451.71	20872
2016	105461.92	20905
2017	189466.76	25502.18
2018	229823.25	27387.34
2019	496512.63	28663.17

Not included in the above are bank savings, insurance policies, CPF, SRS, etc. The above is 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."

I am sharing now in 2019:

As shown above, my monthly passive income is $939.63. Once I increase this to my monthly expenditure amount, I can retire!

Portfolio Snapshot - Breakeven Price Oct 2019

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 2019

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 2019

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%
2019	25%	52%	1.82%	1.70%	3.95%	15.17%

Overweight on Stocks + REITs - US. Cash allocation has come down this year though, which is good.

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

Mark to Market Returns

Having a good run lately, so posting mark to market returns here (look at 'Total profit (mark to market)'). This good run is probably due to resolution in trade talks between Trump and Xi.

Retirement Calculator Snapshot - Jan 2019

I did a re-calculation of my retirement calculator:

2.34 years till FI! We are on track.

Mark to Market Returns turns Positive

Back in Oct 27, 2018 I posted my mark to market returns turned negative. Well, now they have turned positive again after 2.5 months!

Likely because of signs of:
* resolutions in Trump's trade war with China,
* resolution in the territorial dispute between Singapore and Malaysia,
* Fed's dovish statements on slowdown in interest rate hikes,
* and hopes that the US Government shutdown will end soon.

Check it out (Total profit (mark to market)):