My Stock Portfolio @ end February 2014

No.	Stock Name	Lots	Portfolio%	Avg Cost$	Breakeven$	Market$
1	Starhub	5	17.63	3.22	2.82	4.18
2	SPH	5	17.50	3.99	3.46	4.15
3	SGX	3	17.41	4.19	2.89	6.88
4	CapitaMall Trust	3	4.81	1.71	1.17	1.90
5	CapitaLand	2	4.81	3.91	3.69	2.85
6	AIMS AMPI Reit	4	4.50	1.56	1.56	1.335
7	Suntec Reit	3	4.21	1.52	1.14	1.665
8	CDL HTrust	3	4.12	1.66	1.11	1.63
9	SIA Engg	1	3.98	4.86	4.92	4.72
10	Starhill Global	6	3.95	0.71	0.55	0.78
11	SingTel	1.2	3.61	3.21	2.88	3.60
12	Frasers CT	2	2.95	1.81	1.81	1.75
13	SATS Ltd	1	2.52	3.04	3.10	2.99
14	HPH Trust	3	1.96	0.90	0.86	0.625
15	SPH Reit	2	1.64	0.94	0.95	0.975
16	Boustead	1	1.46	1.44	1.43	1.735
17	CitySpring	3	1.16	0.65	0.47	0.46
18	Sing Post	1	1.11	0.875	0.67	1.32
19	FE HTrust	1	0.65	0.93	0.90	0.775

Movement in my portfolio in February:-
Sold:- FE Orchard.
Bought:- SATS Ltd.

Dividends collected in February: $643.36
2014 avg dividends/month: $362.14

Made a lump sum donation back to society.

Feb Fixed Deposit Rates Update - 1.18% P.A.at Bank of China

First some clarifications: Fixed Deposit is not for real investment.  My review on Singapore's FD is limited to S$50,ooo and below; and tenure term not exceeding 12 months.  Fixed Deposit is for parking the emergency fund and allowing immediate access to the fund when needed.  These are also based on the following considerations:

1. Singapore's Deposit Insurance Scheme maximum coverage up to S$50,ooo only.
2. Long tenure term will potentially affect your cash-out value for your emergency fund, as you may suffer a penalty fee for early withdrawal.

Back to the update: Bank of China's 12-months FD rates of 1.18% p.a. is currently the highest in Singapore.  The minimum deposit amount for BOC FD is S$50,000.   

This promotion is valid for customers with fresh funds only, meaning it is not applicable for money transferred from existing BOC accounts.

There are few branches of BOC in Singapore:
1. Battery Road (BOC Building),
2. Chinatown branch (Furama Hotel),
3. Katong branch (188-192 East Coast Road),
4. Middle Road (BOC Plaza),
5. Maxwell Road (Maxwell House).

According to BOC's website, this promotion starts from 3rd Feb and is for a limited period only.

Promotion Details:

Min. Deposit Amount (S$)	12-MTH SGD Time Deposits Promotional Interest Rate*
S$50,000 to S$199,999	1.18% p.a.
More than $200,000	1.20% p.a.

*Rates are indicative only.
Please let me know if there is better offer in the market.

My Stock Portfolio @ end January 2014

No.	Stock Name	Lots	Portfolio%	Avg Cost$	Breakeven$	Market$
1	Starhub	5	18.27	3.22	2.82	4.27
2	SGX	3	17.59	4.19	2.93	6.85
3	SPH	5	17.08	3.99	3.46	3.99
4	AIMS AMPI Reit	4	4.95	1.56	1.56	1.445
5	CapitaMall Trust	3	4.80	1.71	1.19	1.87
6	CapitaLand	2	4.72	3.91	3.69	2.76
7	SIA Engg	1	4.22	4.86	4.92	4.93
8	Suntec Reit	3	4.13	1.52	1.16	1.61
9	CDL HTrust	3	4.12	1.66	1.16	1.605
10	Starhill Global	6	3.93	0.71	0.56	0.765
11	SingTel	1.2	3.60	3.21	2.88	3.53
12	Frasers CT	2	2.91	1.81	1.84	1.70
13	HPH Trust	3	2.12	0.90	0.86	0.665
14	SPH Reit	2	1.68	0.94	0.96	0.98
15	FE Orchard	1	1.45	1.18	0.88	1.69
16	Boustead	1	1.42	1.44	1.43	1.655
17	CitySpring	3	1.21	0.65	0.47	0.47
18	Sing Post	1	1.14	0.875	0.68	1.335
19	FE HTrust	1	0.67	0.93	0.90	0.785

Movement in my portfolio in January:-
Sold:- NIL.
Bought:- NIL.

Dividends collected in January: $80.92
2014 avg dividends/month: $80.92

I did not add any stock to my portfolio in January as I have made a lump sum donation back to society.

SMRT - flashback to the beginning

Ironically, just after the announcement of the fare hike, MRT has another major breakdown on Monday, Jan 20.  About 19,000 commuters were affected.

Nowadays,  MRT breakdowns have become the norms rather than the occasional hiccups.  It makes a mockery of SMRT's vision: "Moving People, Enhancing Lives".

One of my friends sent me this information which most people have forgotten.

Jan Fixed Deposit Rates Update - 1.10% P.A.

First some clarifications: Fixed Deposit is not for real investment.  My review on Singapore's FD is limited to S$50,ooo and below; and tenure term not exceeding 12 months.  Fixed Deposit is for parking the emergency fund and allowing immediate access to the fund when needed.  These are also based on the following considerations:

1. Singapore's Deposit Insurance Scheme maximum coverage up to S$50,ooo only.

2. Long tenure term will potentially affect your cash-out value for your emergency fund, as you may suffer a penalty fee for early withdrawal.

Back to the update:    

RHB's promotion has ended.  The highest interest rate in the market now is still 1.10% p.a., offered by 3 banks:

1. ICICI Bank

HiSAVE Fixed Deposit is an online fixed deposit account linked with the HiSAVE online Savings Account and all monetary inflow and outflow of funds happens online from and to such HiSave accounts.  Minimum placement sum for HiSAVE Fixed Deposit account is $1,000.

2. OCBC

The promotional interest rate is 1.10% p.a. for 12 months tenure.  Minimum placement sum $20,000.

3. CIMB Bank

The promotional interest rate is 1.10% p.a. for 12 months tenure.  Minimum placement sum $25,000.


Please let me know if there is better offer in the market.

My Stock Portfolio @ end December 2013

No.	Stock Name	Lots	Portfolio%	Avg Cost$	Breakeven$	Market$
1	SGX	3	18.13	4.19	2.93	7.26
2	Starhub	5	17.86	3.22	2.82	4.29
3	SPH	5	17.15	3.99	3.46	4.12
4	CapitaLand	2	5.05	3.91	3.69	3.03
5	AIMS AMPI Reit	4	4.76	1.56	1.56	1.43
6	CapitaMall Trust	3	4.76	1.71	1.19	1.905
7	SIA Engg	1	4.21	4.86	4.92	5.06
8	CDL HTrust	3	4.10	1.66	1.16	1.64
9	Starhill Global	6	3.92	0.71	0.56	0.785
10	Suntec Reit	3	3.85	1.52	1.16	1.54
11	SingTel	1.2	3.63	3.21	2.95	3.66
12	Frasers CT	2	2.93	1.81	1.84	1.76
13	HPH Trust	3	2.09	0.90	0.86	0.675
14	SPH Reit	2	1.63	0.94	0.96	0.98
15	FE Orchard	1	1.55	1.18	0.88	1.865
16	Boustead	1	1.41	1.44	1.43	1.69
17	CitySpring	3	1.17	0.65	0.47	0.47
18	Sing Post	1	1.10	0.875	0.68	1.325
19	FE HTrust	1	0.70	0.93	0.90	0.84

Movement in my portfolio in December:-
Sold:- NIL.
Bought:- SIA Engg, AIMS AMPI Reit.

Dividends collected in December: $861.90
2013 avg dividends/month: $476.46

Looking Ahead to 2014 (Part 2): Dividends

As mentioned in my previous post, 2014 will be a major step in my journey towards financial independence.  As the HDB housing loan is my highest expenditure per month, getting rid of it is certainly one huge stone off my chest. 

As my priority for the year is getting rid of the HDB loan, probably I will not be injecting too much money into my stock portfolio.

My projected dividends for 2014 (based on current portfolio):
1. SPH: $1,100
2. Starhub: $1,000
3. SGX: $840
4. AIMS AMPI Reit: $432
5. CDL HTrust: $330
6. CMT: $300
7. Starhill Global: $288
8. Suntec Reit: $276
9. SIA Engg: $220
10. Frasers CT: $208
11. SingTel: $200 
12 HPH Trust: $184
13. CapitaLand: $140
14. SPH Reit: $100 ?
15. CitySpring: $98.40
16. Far East Orchard: $90 ?
17. Boustead: $70
18. SingPost: $62.50
19. FEHT: $62

Total: $6,000
Avg/month: $500