Old Blog Post Revisited - DYODD

Recently there are several visitors to my blog that asked me what to buy now?

I am neither a qualified Financial advisor, nor do I have the knowledge or guts to advise, given the current bearish market environment.

I do not know you, your available capital to invest, your financial situation, your risk tolerance level, etc etc...     

Although I shared my portfolio on my blog, this is for my own record of my journey.  I do not expect others to follow as I have said earlier winner for one person could be a loser for another person.  

a.  Do Your Own Due Diligence

And I have not showed my CDP statement, everything could be just my fantasy. All fellow investors need DYODD before parting with your own hard earned money.  Do not believe anything blindly on Internet.

I may buy certain stocks rationally or irrationally. Do not ask me to justify why I buy certain stocks.  As I have mentioned before, I have close to 50% holdings starting with the letter "S", so I may buy something simply because it starts with the letter "S".

b. Risk Tolerance Level

Everyone has different risk tolerance level.  After suffered 100% loss on my investment, I have always think that we should invest the money we can afford to lose.

Hence, I am numb to short-term market fluctuations and did not lose any sleep when Capitaland fell 50% from my initial investment amount or when SIA Engg fell from $5+ to $3+.

c. Singapore Savings Bonds

SSB offer higher returns than bank interests.  SSB are backed by the Singapore Government.  The principal is guaranteed and investors will always get their investment amount back in full, even if they redeem SSB early.  SSB is one additional option not available to investors at the time of my old post.   

Wishing everyone a Happy Mid-Autumn Festival.

My Stock Portfolio @ end Aug 2015

No.	STOCK NAME	No.of SHARES	PORTFOLIO%	MARKET $
1	SGX	4,000	17.04	7.26
2	Starhub	6,700	14.39	3.66
3	SPH	5,000	11.56	3.94
4	SATS	3,000	6.27	3.56
5	SingTel	2,190	4.81	3.74
6	CapitaMall Trust	4,000	4.51	1.92
7	Suntec Reit	4,900	4.40	1.53
8	OCBC Bank	804	4.21	8.93
9	AIMS AMPI Reit	5,000	4.11	1.40
10	Keppel Corp	1,000	4.01	6.84
11	Starhill Global	8,000	3.61	0.77
12	CapitaLand	2,000	3.31	2.82
13	SPH Reit	5,800	3.27	0.96
14	CDL HTrust	3,000	2.32	1.32
15	FCT	2,000	2.28	1.945
16	SIA Engg	1,000	2.05	3.50
17	Sembcorp Ind	1,000	2.01	3.42
18	Keppel InfraTr	6,000	1.67	0.475
19	HPH Trust	3,000	1.27	0.525
20	FCOT	1,000	0.82	1.39
21	MapletreeCom	900	0.70	1.32
22	Keppel DC Reit	900	0.54	1.03
23	Boustead	1,000	0.50	0.845
24	FE HTrust	1,000	0.37	0.625

Movement in my portfolio in August:-
Sold:- Nil.
Bought:- OCBC Bank, MapletreeCom.

Dividends collected in August: $1,748.71
2015 avg dividends/month: $743.20 [49.32% up at this stage cf. 2014]

Boring process of building up my passive income portfolio brick-by-brick (bit-by-bit).

Back to society: Made a contribution to charity.

Comments:
1. Finally start growing a maple tree in my plantation.  I visit Vivocity often and now the visits will mean watering this maple tree.  The tree will bear dividend fruits for my not so productive months too.

2. August was a volatile month, and I am expecting more stormy weather and rough going for the journey ahead.

3.  I am optimistic in nature and I will hold tight, collect dividends and ride it out, just the same as in the GFC.  After all, my portfolio is still in positive territory.

4. The risk ahead is significantly higher. But risk also means opportunity. 有危才有机。