I'm sure many of you would have heard of having a core portfolio whereby you utilise that portfolio for your investments. And probably a satellite portfolio for alpha generation and the like. Having various portfolios help both manage risks and also set priorities.
How I have structured my assets is a little different yet similar all-in-one. I have 3 main asset portfolios: 1. Retirement, 2. Housing and 3. Cash
1. Retirement Portfolio
- This is my bare minimum portfolio and is something that will enable me to lead a fuss-free lifestyle when I retire. You can call it the survival portfolio. I can afford to probably lose my pants off from most of my investments and yet lead a frugal yet viable retirement. This portfolio obviously consists of lower risk investments and it includes both the CPF OA (portion that has been kept aside and not used for housing) & SA, SRS contributions (which are all invested in a IG bond fund) and potential cash values of all my insurance policies.
- The current overall value of this portfolio stands at a healthy five figure amount and I project to have at least $300,000 in this 'pot' when I hit my target retirement age. Of course the fact that CPF monies can only be withdrawn at certain ages, etc have been taken into account.
- So basically this is a portfolio that can't be messed around and all investments per se have to be of quality and of lower risk. It is a survival portfolio and is used both as a hedge and for pure retirement purposes.
2. Housing
- This portion is self-explanatory. However, I will be upgrading my place at the end of the year but buying a property that doesn't stretch my mortgage obligations. I believe in spreading my eggs and I'm not as versed or excited in property as perhaps I should be. So this is purely having a roof over my head and I aim to clear all obligations way before I embark on my full time investing journey.
3. Cash
- This is where I allow myself all the fun and freedom to pursue my true passion and expertise; which is investing in companies. What gives me added assurance and flexibility to invest is due to the fact that both of the above portfolios have been well taken care of. I then am not bound by fears of inadequate retirement planning or not having a roof over my head.
- The above being said, my focus is still mainly on being invested in quality businesses and having growing dividends that are compounded over time. Just staying the course and being disciplined and mature. Thus, I remain fervent fans of Singtel, Jardine, Raffles, Comfortdelgro, Sembcorp, OCBC, companies which to me present excellent opportunities to participate in their ongoing growth and businesses.
- The finishing line is really clear and it is when I have both retirement and housing portfolios pretty secured and the cash portfolio is generating an income that meets my monthly expenditures. This would also mean to me, truly transitioning to being a full-time investor. However, what probably separates the successful and the rest is planning, the stomach to tolerate volatility, lots and lots of discipline and perhaps most important just enjoying the process. I have indeed been enjoying absolutely every minute of it and I obtain loads of joy and satisfaction when writing my blogs and discussing with fellow investors over time.
Hope the small snippets of sharing above has helped paint a picture of how you might want to construct your overall portfolio. Remember; if you fail to plan, you plan to fail. Have a great work week ahead! *and back to my books.
Signing Off
Transitioning Stock Investor
Showing posts with label Full Time Investor. Show all posts
Showing posts with label Full Time Investor. Show all posts
Sunday, 30 August 2015
Monday, 13 July 2015
Market Catalysts and Quick Portfolio Update
Looking at the current market today, there will be some short term catalysts that will be of interest.
Firstly, it has just been confirmed that an agreement has just been reached on a Greek bailout plan. This deal when voted into the Greek government will hopefully keep Greece in the Euro and Grexit will not occur. In fact, it further shows the solidarity of the Euro and keeps the other countries that went through austerity (ie Spain, Portugal, etc) happy. I see this as a positive catalyst.
In the Chinese stock market, I see a longer term systematic issue. Nevertheless, the recent moves by the Chinese government to steady the ship and prop the market up has went some way to steady the market. To me, in the long term the Chinese investor needs to learn from past lessons, but at least for now things look better than a few weeks ago. I similarly see this as a positive situation.
In terms of the local stock market, a slew of companies are poised to announce earnings with the next month. All of the stocks in my current portfolio are slated to announce earnings during this time period. I attach a nice screenshot of the positive price action today:
I await better results especially from the less performing companies: Sembcorp Industries and Jardine Matheson. I hope that my trust in these companies will pay off in terms of better earnings numbers.
I continue to be fairly confident in the earnings of the core companies in my portfolio: Singtel, OCBC, ComfortDelgro and Raffles Medical. I similarly expect the REITS in my portfolio to continue their good performance: Capitamall Trust and Mapletree Commercial Trust.
I will be taking a break from adding to positions in the current month as I continue to build my warchest. I recently sold a holding of Raffles Medical (at a profit of c.S$700) to fund a watch purchase. Oh well, all work and no play makes Jack a dull boy, but I definitely look to lessen such activities moving forward.
The markets do look very interesting now and some of the positions in my portfolio looking prime for adding, especially Singtel, ComfortDelgro and Raffles Medical. Will closely monitor these positions and update accordingly when I make stock additions. As of now, I relaxingly sit back and let the portfolio recover and continue to churn out its dividends.
Signing Off
Transitioning Stock Investor
Firstly, it has just been confirmed that an agreement has just been reached on a Greek bailout plan. This deal when voted into the Greek government will hopefully keep Greece in the Euro and Grexit will not occur. In fact, it further shows the solidarity of the Euro and keeps the other countries that went through austerity (ie Spain, Portugal, etc) happy. I see this as a positive catalyst.
In the Chinese stock market, I see a longer term systematic issue. Nevertheless, the recent moves by the Chinese government to steady the ship and prop the market up has went some way to steady the market. To me, in the long term the Chinese investor needs to learn from past lessons, but at least for now things look better than a few weeks ago. I similarly see this as a positive situation.
In terms of the local stock market, a slew of companies are poised to announce earnings with the next month. All of the stocks in my current portfolio are slated to announce earnings during this time period. I attach a nice screenshot of the positive price action today:
 |
| Watchlist of My Current Stock Portfolio (Source: sgx.com) |
I continue to be fairly confident in the earnings of the core companies in my portfolio: Singtel, OCBC, ComfortDelgro and Raffles Medical. I similarly expect the REITS in my portfolio to continue their good performance: Capitamall Trust and Mapletree Commercial Trust.
I will be taking a break from adding to positions in the current month as I continue to build my warchest. I recently sold a holding of Raffles Medical (at a profit of c.S$700) to fund a watch purchase. Oh well, all work and no play makes Jack a dull boy, but I definitely look to lessen such activities moving forward.
The markets do look very interesting now and some of the positions in my portfolio looking prime for adding, especially Singtel, ComfortDelgro and Raffles Medical. Will closely monitor these positions and update accordingly when I make stock additions. As of now, I relaxingly sit back and let the portfolio recover and continue to churn out its dividends.
Signing Off
Transitioning Stock Investor
Sunday, 24 May 2015
First Post :)
Hi Guys,
This is my very first post on my newly setup blog on stock investing in Singapore. I am truly excited to share this passion with you all.
On a professional level, I have been in the banking industry over the last 9 years and have covered roles like financial product sales, financial product compliance and now mutual fund advisory where I am responsible for writing fund research reports in a private bank. During the course of this career I have learnt a lot of valuable investing information in which I have found useful even in my personal investing capacity. This information ranged from using the typical stock valuation metrics and how to value stocks to due diligence questions like what are the truly important things to look out for when first investing in anything?
In my personal capacity, I have come across many different blogs relating to stock investing and I have also truly benefitted from reading them.
So the question beckoned, how can I translate what I have learnt into something that I can share with others and also into something whereby I can let my passion manifest itself? The answer was simple and this blog was born. Setting up the blog was the easy part, thinking what to call it and what to write about was slightly more difficult. I asked myself many questions, why was I writing this and what was my eventual goal?
After thinking about it for quite a while I formulated these objectives:
1. Being a Full Time investor
- Currently, investing is just a part time affair and work is full time. My aim is to reverse this. So this means when I am able to be a full time stock investor and purse this passion on a full time basis & work can be part time ---> My goal would have been met.
- Through this blog, I will also be sharing my personal stock portfolio and the growth of it over time. I also will be sharing how I aim to rely on my portfolio to reach my lifestyle and retirement goals (both through asset allocation and dividend income).
2. Sharing and Learning
- In the course of meeting the first objective, there would be a lot of learning and sharing of knowledge and experience along the way. This would be from sharing useful information on this blog and learning from others as well. This is important as I strongly believe that learning is a life-long journey and should never stop.
3. Benefitting Society and the Community
- This has been one of things I have always wanted to do, but due to my current professional capacity I am not able to better influence. And it is to give back to society and to benefit others, especially those who would like to invest and invest well but are not sure how to start and what to look out for.
- As I was previously in a product due diligence role for 4 years, I am able to help articulate what the typical red flags to look out for when investing and effective risk management measures one should take even in a personal investing capacity. This knowledge, I will share intermittently as we blog along the way. So stay tuned.
So that's it. Abit lengthy, but it was great sharing the objectives of the blog.
Now I hope you understand why I named my blog as such. Transitioning from Part to Full time investing is my dream and aspiration. I hope this blog benefits you in some way or another in our upcoming journey.
Ok, lets start blogging!!! :)
This is my very first post on my newly setup blog on stock investing in Singapore. I am truly excited to share this passion with you all.
On a professional level, I have been in the banking industry over the last 9 years and have covered roles like financial product sales, financial product compliance and now mutual fund advisory where I am responsible for writing fund research reports in a private bank. During the course of this career I have learnt a lot of valuable investing information in which I have found useful even in my personal investing capacity. This information ranged from using the typical stock valuation metrics and how to value stocks to due diligence questions like what are the truly important things to look out for when first investing in anything?
In my personal capacity, I have come across many different blogs relating to stock investing and I have also truly benefitted from reading them.
So the question beckoned, how can I translate what I have learnt into something that I can share with others and also into something whereby I can let my passion manifest itself? The answer was simple and this blog was born. Setting up the blog was the easy part, thinking what to call it and what to write about was slightly more difficult. I asked myself many questions, why was I writing this and what was my eventual goal?
After thinking about it for quite a while I formulated these objectives:
1. Being a Full Time investor
- Currently, investing is just a part time affair and work is full time. My aim is to reverse this. So this means when I am able to be a full time stock investor and purse this passion on a full time basis & work can be part time ---> My goal would have been met.
- Through this blog, I will also be sharing my personal stock portfolio and the growth of it over time. I also will be sharing how I aim to rely on my portfolio to reach my lifestyle and retirement goals (both through asset allocation and dividend income).
2. Sharing and Learning
- In the course of meeting the first objective, there would be a lot of learning and sharing of knowledge and experience along the way. This would be from sharing useful information on this blog and learning from others as well. This is important as I strongly believe that learning is a life-long journey and should never stop.
3. Benefitting Society and the Community
- This has been one of things I have always wanted to do, but due to my current professional capacity I am not able to better influence. And it is to give back to society and to benefit others, especially those who would like to invest and invest well but are not sure how to start and what to look out for.
- As I was previously in a product due diligence role for 4 years, I am able to help articulate what the typical red flags to look out for when investing and effective risk management measures one should take even in a personal investing capacity. This knowledge, I will share intermittently as we blog along the way. So stay tuned.
So that's it. Abit lengthy, but it was great sharing the objectives of the blog.
Now I hope you understand why I named my blog as such. Transitioning from Part to Full time investing is my dream and aspiration. I hope this blog benefits you in some way or another in our upcoming journey.
Ok, lets start blogging!!! :)
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