Monday, July 4, 2016

June 2016 Report Card

Apologies for the lack of posts. I was struggling with an examination recently and that really sucked the life out of me.

Exams, you say? Yeah... such is life.

However, the exams are over!!!

Yaaaaay!

As we transit into the 2nd half of 2016 (how quickly time flies!), I would like to share a short report card on my current holdings, taken from the excellent site SGXcafe.com:

Currency
# Stocks
Day Change %
P&L %
P&L + Dividends %
SGD
4
0.53%
2.28%
2.28%


Name (Currency)
Port %
Current Yield
Div Strength
Avg Price
Close
P&L %
P&L + Div %
60.84%
3.46%
N/A
2.835
2.89
1.95%
1.95%
13.53%
5.75%
81.30%
1.412
1.5
6.20%
6.20%
12.99%
5.65%
67.29%
0.55
0.54
-1.76%
-1.76%
12.63%
4.11%
94.16%
8.394
8.75
4.24%
4.24%

And a pithy few hundred in cash.

Overall, I'm quite pleased with the results so far. This little start of a portfolio has endured its first (mini-)crisis and emerged reasonably unscathed. 

Regrettably, I was unable to average down some of my holdings during the Brexit sell-down. After the initial purchase-burst in May, there was minimal savings that could have been used to take advantage of the low prices. Again, this is (largely) due to renovation and household items. Admittedly, there was some lifestyle inflation this month as we spent more in restaurants and an expensive NTUC trip. As it is, my credit card bills for this month may cross $3k. Sigh...

Goals for second half of 2016:

1. After settling down, I hope to be able to start saving again, as per usual habit. It would be great not to have to look at 3-4 digit spendings every few days or so. Still debating whether we should purchase a TV hmmm...... 

2. I would also hope to start building some holding cash aside from my emergency funds (typically referred to as warchest). The recent market dip has taught me 2 things (i) Holding power is important, one should not be forced to have to sell your investments, especially during times of crisis (ii) Opportunities do not come knocking frequently. Take advantage of them when they come. 

3. Related to the above point, purchase appropriate insurance for the missus, and getting a better grasp on mine. We have been procrastinating this for almost half a year. It is time to figure out what we are covered and how much we are paying for this cover. Yes, I have been paying for insurance without knowing what I am covered for (at an expensive cost per month!) as many of the plans were passed to me from my parents when I started working. And for her, I believe she has been procrastinating as well (typical Singaporeans we are). I think it is time to sort this out.

4. I hope to blog more regularly as well. As mentioned before, this blog helps to record my thoughts and remind me of my own plans as I start to take charge of my own financial health. I hope to be able to look back some time down the road, and identify my strengths and learn from my mistakes during this journey, and be able to educate my daughter as she begin her own journey as well.

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