Portfolio Snapshot - Breakeven Price Oct 2021

 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 the distribution reinvestment plan included. As long as the price of the 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 2021

 

 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. Not very impressive here, mainly due to the effects of the covid-19.

The column 'returns_one_year' shows the returns in the past one year. Mostly positive, which is not surprising since last year 2020 was the covid year.

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

I took up a side hustle!

 GrabFood delivery!

And believe it or not, it has worked out so unexpectedly well I had to write a post. 

Here's what I enjoy about it:

• Exercise my legs - After a long day of sitting in front of the computer, it feels really good to be able to go out to get some fresh air and exercise my legs, and at the same time get paid while doing it
  
  
• Rest my eyes - If I stay at home I will be staring at more screens (TV/mobile/laptop)
  
  
• Explore new restaurants - For example, I discovered 2 new Acai shops which are really popular (and really expensive)
  
  
• Explore new areas - For example, I found a nice shortcut path between 2 areas in my town, which I previously thought had no accessibility between them
  
  
• I have always been interested in work where there is a direct and obvious link between effort and reward. Most office jobs are not like this, where you can put in a lot of effort at work, but see no increase in performance bonus when the time comes. For jobs like delivery, the more hardworking you are, the higher reward is guaranteed 100%. 

I know there is some stigma associated with food delivery, for example, rude customers and all, but the experience so far has been really positive. Everyone has been really polite, though I did encounter the occasional security guard that is really fussy about where to park your bike even when raining but that's about it. 

Having said that I need to add that I am not doing this for a living, this is more for fun. I only do 1-2 trips at night after my kids' bedtime. I also have the choice of not doing it if I am tired or when it is too hot/too rainy. I understand that doing this job for continuous full days can be very tiring and unpleasant. 

Otherwise, it is a great way to exercise and earn some money at the same time!

My earnings from 1 Aug till now are shown below:

Portfolio allocation - Jun 2021

 The time has come for my once-a-year portfolio allocation breakdown.

Unlike the boring table form I do every year, this year I will do a doughnut chart.

Overweight on US stocks. 

Was expecting a bigger dip...

 Was expecting a bigger dip in the STI with the announcement of the return to phase 2... but the downturn in the middle of May now looks like just a small correction.

Playing the Circuit Breaker Lite 2021

 

With the introduction of the new Covid-19 measures (some call it Circuit Breaker Lite) on 16 May 2021, it introduces another buying opportunity for long-term investors.

Back in 2020, Covid-19 caused the STI to drop 31% over a span of 1.5 months. This drop took about 1 year to recover (see chart above).

With this introduction of Circuit Breaker Lite, how far the market will fall remains to be seen. If the previous drop is any indication, the full drop will take a while to play out. So now is probably too early to buy. 

But I believe this fall will not be as steep as the first one (ie. < 31%). Many reasons for this, primarily because now Singapore has vaccines and our supply chains remain resilient. 

Time will tell as always. Readying my ammo!

My Portfolio took a Beating...

 With the new Covid-19 clusters (TTS hospital and Changi Airport) in Singapore, my SGP Portfolio came off its highs. Now everyone is talking about the possibility of a second circuit breaker. 

Over in the US, tech stocks took a beating as there were indications of rising inflation. Rising inflation is due to a decrease in the price of money. One way to curb this is to increase interest rates, which will make lending more difficult, and decrease the demand for money, which in turn increases the price of money. And the trend in the US market is whenever there is a slight indication there could be a possible increase in interest rates, the market will fall. 

It is a timely reminder that whatever goes up will eventually come down...and whatever comes down will eventually go up again. 

My SGP portfolio:

One-fourth Portfolio:

USA Portfolio: