My Portfolio

*Updated 6 Sep 2017

SG Portfolio


No.
 Counters
No. of Shares
Market Price (SGD)
Total Value (SGD) based on market price
Allocation %
1.
Comfortdelgro
61,000
2.18
132,980.00
21.0%
2.
M1
61,000
1.78
108,580.00
17.0%
3.
Fraser Logistic Trust
80,000
1.07
85,600.00
14.0%
4.
Fraser Comm Trust
40,377
1.39
56,124.00
9.0%
5.
First Reit
30,034
1.33
39,945.00
6.0%
6.
CDL Hospitality Trust
24,000
1.59
38,160.00
6.0%
7.
Vicom
6,600
5.70
37,620.00
6.0%
8.
OCBC
34
11.08
     377.00
1.0%
9.
Warchest*
121,000.00
20.0%
Total SGD
620,386.00
100.00%



* Does not include emergency, social security (CPF), insurance endowment and short term (1 month) funds for working capital purpose.


105 comments:

  1. What's your take on stxosv/ Vard? It's dropping non-stop.

    ReplyDelete
    Replies
    1. Hi Anonymous

      Vard is currently on an obvious downtrend with no guidance from the management on its future direction. The upcoming result should provide a clearer direction on its future. If you are thinking to add to the stock, I would suggest you to wait for reversal confirmation and further guidance before going long.

      Long term I am still bullish on the stock. I will add to my position once a clearer direction is set.

      Delete
    2. Why not cut loss then? Until you have clearer directions

      Delete
    3. How I Was Rescued By A God Fearing Lender (Lexieloancompany@yahoo.com)

      Hello, I am Andrew Thompson currently living in CT USA, God has bless me with two kids and a lovely Wife, I promise to share this Testimony because of God favor in my life, 2days ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be loan lender not knowing he was a scam. he collected 1,500.00 USD from me and refuse to email me since then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to LEXIE LOAN COMPANY, she said she was given 98,000.00 USD by MR LEXIE , THE MANAGING DIRECTOR OF LEXIE LOAN COMPANY. So I collected his email Address , he told me the rules and regulation and I followed, then after processing of the Documents, he gave me my loan of 55,000.00 USD... So if you are interested in a loan you can as well contact him on this Email: lexieloancompany@yahoo.com or text +1(406) 946-0675 thanks, I am sure he will also help you.

      Delete
  2. hi mr b,
    for vard, its an attrative counter. but dont you think debt too high? leverage more than 70%. i am thinking to buy it below 90 cents, whats your opinion?

    Thanks

    ReplyDelete
    Replies
    1. Hi Anonymous

      Vard is an attractive counter. It is currently trading at a historical low of 6 PE rating. And a book value of around 1.6. However, it seems that the price has met with a stumbling block with no positive news so far. Until then, along with a weak market sentiment, it should be trading within range of 1.10. But at 90 cents, I will definitely be increasing my position as well like you ;)

      Delete
  3. hi mr b,
    okay, lets hope the correction can hit my entry price.
    Thanks for the reply.

    ReplyDelete
  4. hi mrb,
    will you add your position at sembcorp industrial? To average down your price?

    ReplyDelete
    Replies
    1. Hi teny

      I like sembcorp for its high roe and cagr for the past couple of years. Its marine business is dragging down their earnings while I am still expecting their utilities business to grow despite some competition recently. I would definitely look to be adding them should it drops around 4.5 range in the weak market sentiments.

      Delete
    2. hi mr b,
      thanks for the sharing, i also waiting for around 4.5 to 4.6 to get in.

      Sembcorp Industries' joint venture in India, Thermal Powertech Corporation India (TPCIL), has signed an agreement with a subsidiary of Coal India for a 20-year coal supply to feed a power plant, which is scheduled to start operation in the second half of 2014.
      from http://www.theedgesingapore.com

      Delete
    3. Hi teny

      Thanks for sharing its latest development.

      I went to the last agm for sembcorp and the management team was very assuring of its utilities business which is going to change the world, especially more so globally than in singapore where more opportunities await. I like it also that their utilities business is only at 8 times pe which leaves it much more room to grow.

      Another good one is keppel which I think is also underplayed so far.

      Delete
    4. hi mr b,
      my broker also told me about keppel. but the price too exp. thanks for the sharing

      Delete
  5. hi mr b,
    whats your opinion of noble, im thinking to average down my price too. But its being downtrend for few days. If the coming reports bad, will be more downtrend coming.

    Thanks

    ReplyDelete
    Replies
    1. Hi Anonymous

      I just added Noble in fact yesterday.

      From a technical point of view, it does not look good as it is at a free falling knife as it breaks all kinds of support.

      EPS was very poor in the previous quarter, hence I was waiting for the price to fall from S$1+ to the current price of near to 90 cents. I am not very optimistic about the short term but over the long run, I believe energy and commodity prices will price up.

      Overall, I hope the management can give a better shareholders return over the long run ;)

      Delete
    2. hi mr b,
      Thanks for sharing.

      Delete
  6. Hi B, do you think that your entry price for some of the holdings are too high ? What if there is an economic downturn and your stock market value drop further. Do you have plan B?

    ReplyDelete
    Replies
    1. Hi Anonymous

      I would agree with you.

      Sometimes the price ive paid for a certain share price may seems high but I feel somewhat fairly valued, so I dont mind holding on to it.

      In fact ive personally taken a whole lot of capital gains from my much earlier buys so ive locked in the gains.

      But my plans is to keep saving and looking out for good opportunities especially in a downturn so I would keep my cashflow handy.

      Delete
  7. how much of it is your investment and how much of it is return

    ReplyDelete
    Replies
    1. Hi Anonymous

      My unrealized profits are currently at $6K and my realized profits are at $32K excluding dividends. Including dividends it would be about $50K.

      Delete
  8. Hi B,

    Really great portfolio you have. I'm impressed ;)

    Keep up the good work! :)

    ReplyDelete
    Replies
    1. Hi SGYI

      Thank you for your compliment.

      Lets keep up with the good stuff together.

      Delete
  9. Hi B, how to you choose your stock? Can advise the techniques eg PE, P/B etc..
    thanks.
    garyloo77@gmail.com

    ReplyDelete
    Replies
    1. Hi Gary

      I don't usually look at a company's P/B, other than analysing property stock which I tend to look at their P/B more. For others, I usually analyze their forward earnings in terms of the PE and the cashflow for maintaining their dividends payout. I also like companies that have minimal debt in their books.

      Hope it helps :)

      B

      Delete
  10. Hi

    Hi

    I see you are young. Can please tell me how you got the huge amount of money to invest? I am too 29. You must be holding a very high paying job or in business.

    At age of 26, u got some 200k for investment is an achievement by itself. Can please share with us how u accumulate that 200k when I think u have just start out to work? This part entice me to ask you bravely. Hope u do not mind.
    You can ignore this, if u think it is confidential and it is fine with me.
    Thanks

    peter

    ReplyDelete
    Replies
    1. Hi Peter

      I'm 28 this year and contrary to what many people thinks, I've actually worked for the past 5 years and this is my 6th year into working the corporate world.

      I don't earn a very high wages (being an accountant) but I do have a very high savings rate when I was young and single. Churning that into investments, it gives me a great compounded returns especially when I started investing back in 2011.

      Are you into investments also if you don't mind me asking?

      Delete
  11. Almost a quarter million at 28. Quite amazing.

    ReplyDelete
  12. Hi B,

    What do you think of UMS holdings as a dividend stock ?

    ReplyDelete
  13. Hi Mr B,

    Just a quick question. Why did you get SPH instead of SPH Reit?

    ReplyDelete
    Replies
    1. Hi Dividends101

      I actually bid for SPH Reit when it went IPO that time but didn't manage to get it. At current price right now, it's definitely a no no for me as the yield spread between them and the bond is getting thinner with interest rate rising.

      I'm also in the lookout for SPH performance. Disappointing so far in terms of their core printing business, property segments im waiting for their Seletar mall to contribute next year to further decide.

      Delete
  14. Hello B,
    Thanks for the wonderful blog. After going through your Blog, i started investing from last month. I also created a similar excelsheet to keep an account of buy/sell of share on monthly basis. for the portfolio sheet, Do you use any extra software or fill in the details every month manually. If you have a sample sheet with automate stuff, Please help to share with us.

    Thanks
    3Novsan

    ReplyDelete
    Replies
    1. Hi 3Novsan

      Thank you for visiting my blog an our kind comments :)

      I'm glad it inspired you to start investing on your own.

      On your question regarding worksheet, I typically update them in my excel sheet once a month to see how it's doing. If you would like to update them automatically on a daily basis, I believe investmentmoats.com has a spreadsheet you can use which tracks the daily closing price based on yahoo. I think many are using that spreadsheet.

      Hope it helps and see you around more :)

      Delete
    2. Thanks. Much Appreciated. Till I learn and get good experience about investing, I have started replicating your portfolio. For example, I bought a Lot of China Merchant Holdings, Stamford Land this month. For my learning, i have read the financial reports of both of the companies before investing and found them good.
      Only problem with Following your buy/sell is that you publish it at the end of the month and till that time the price for that specific share already goes up :) I understand that following someone portfolio is not the best practice for long term, So i am wondering if you can write a blog which covers following and help many people like me in their investment journey :
      1. Singapore Stock Market for Beginners.
      2. Different kind of shares (with examples/SG List) available in the market.
      3. Out for whole Singapore Stock Market, how to choose 1st company to invest in.(where to start with)
      4. How to decide on subsequent months plan.

      Thanks again for this wonderful blog.

      Delete
    3. Hi 3novsan

      Thanks for your kind complements.

      I think you would have agreed that following one's portfolio is not the best in the long run, either the person you are following is wrong or the price that you buy and sell might be different too.

      I suggest you try to follow on the fundamental analysis of why people might buy or sell certain companies. You can start with blue chip companies which are covered well by the analysts. Try to think how they came up with their reasoning and valuation and whether it makes sense. If you are still not comfortable with that, perhaps you can go slow by investing small amounts in the ETF. I think POSB saver has one which only required a min sum of $100 each month. In the long run, I would expect it to pay off.

      Delete
  15. Stamford Land's price is continuously dropping, I am not sure if its right time to Buy more shares or sell the shares which i bought last year. Any pointers/articles which can give idea around what's going inside Stamford and the reason of such a downfall.

    ReplyDelete
    Replies
    1. Hi 3novsan

      There is a very extensive discussion on Stamford Land you can read on Valuebuddies forum by greengiraffe and other vested investors. I think it would help you understand the perspective of the business better.
      Hope it helps :)

      Delete
    2. How I Was Rescued By A God Fearing Lender (Lexieloancompany@yahoo.com)

      Hello, I am Andrew Thompson currently living in CT USA, God has bless me with two kids and a lovely Wife, I promise to share this Testimony because of God favor in my life, 2days ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be loan lender not knowing he was a scam. he collected 1,500.00 USD from me and refuse to email me since then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to LEXIE LOAN COMPANY, she said she was given 98,000.00 USD by MR LEXIE , THE MANAGING DIRECTOR OF LEXIE LOAN COMPANY. So I collected his email Address , he told me the rules and regulation and I followed, then after processing of the Documents, he gave me my loan of 55,000.00 USD... So if you are interested in a loan you can as well contact him on this Email: lexieloancompany@yahoo.com or text +1(406) 946-0675 thanks, I am sure he will also help you.

      Delete
  16. Thanks for publishing this informative one. All the best !!!

    ReplyDelete
  17. mind share how much do u save each month?it is impressive for u to have almost $300k at the age of 28

    ReplyDelete
    Replies
    1. Hi Anonymous

      I used to save almost 80% and above when I was still single and now around 40% after I am married. The compounding and dividends really took over right now so it's much easier for me.

      Delete
  18. Thanks for sharing your portfolio with us. Many names on your list that I am not familiar with. That's one of the benefits of reading blogs from outside the U.S. Keep up te good work and enjoy surfing around your site.

    ReplyDelete
    Replies
    1. Hi DivHut

      Thanks for visiting the site from US ;)

      I kept a lookout for a lot of other blogs in the US as well such as Dividend Mantra and Mr. MM, and I will be keeping a close look at yours too.

      The stocks I have in my portfolio is the so called blue chips listed in the SGX index. Their market cap are nothing compared to blue chips in the US, which makes up the Dow and S&P 500.

      Hope to hear and more interaction from you.

      Delete
  19. Hi B,

    Do you have any plans to sell your ascott reits anytime soon before the interest hike kicks in next year?

    ReplyDelete
    Replies
    1. Hi Victor

      I am not planning to sell Ascott Reits due to interest rate hike for two reasons.

      First, I believe the interest rate increase is going to be gradual. Their current interest coverage ratio (which measure the ability of the company to repay its interest debt) is at 4.4x and they should be fine.

      Second, they have a fixed interest rate at 75% of their total debts which is currently at 2.90% all in interests costs. They also had their majority of the debt financing due in 2017 so it's some way there.

      You can view my previous posting on the debt and interest rate at:

      http://www.foreverfinancialfreedom.blogspot.sg/2014/08/reits-aug-update.html

      Hope it help :)

      Delete
  20. Yes it really does help! Thanks B! Thanks for sharing your informative blog btw!

    ReplyDelete
    Replies
    1. You're welcome :)

      Appreciate your support.

      Delete
  21. Nice blog. Do you also have a plan on developing deeper relationships with your wife and children? What 5-yr and 10-yr targets do you have for your family in terms of QUALITATIVE measures? Would be good to ensure financial, emotional, relational and spiritual are all growing annualy at compounded rates. Something to think about.
    Cheers

    ReplyDelete
    Replies
    1. Hi Anonymous

      Thanks for the suggestion.

      I do keep a very close family oriented relationship with my own and extended family. I don't talk much about the qualititative issues in this blog because I don't want to drag it too personal but they are definititely a key pillar I will look out for in the long run.

      Thanks for the suggestion.

      Delete
  22. Currently ST engineering is trading at 3.30, do u have any thoughts of accumulating more?

    ReplyDelete
    Replies
    1. Hi Felix

      I'm definitely interested to accumulate this counter for the long run. The growth isn't fantastic but I thought the business earnings was rather defensive so I'll take that anytime to hold this counter for the long run. I'm currently deciding between this and one other counter so I might accumulate this over the next few months.

      Delete
  23. Semb Corp Industries cross 4.40 today, hope its a real recovery
    cheers ^^

    ReplyDelete
    Replies
    1. Hi Felix

      I hope we have passed through the cyclical moments but as it is I think they will face a turbulent times in the short term in 2015. Finger crossed :D

      Delete
  24. hi,
    can u add in the order price of the stocks, so we can compare.
    thank you...

    ReplyDelete
    Replies
    1. Hi Anonymous

      I don't generally do that as I have explained in the past that it adds little or no value at all. The current market price is the liquidation price which is what we should be focusing at.

      Delete
  25. Great Portfolio. I like how you have limited it to a few stocks. This strategy allows you to closely monitor each company and take action when their moves do not align with your fundamentals. Keep up the good work!

    ReplyDelete
    Replies
    1. Hi Dividend Dreams

      Thanks.

      I like to focus more on concentration than diluting a wide spread of the portfolio. It allows me to focus a great deal of attention on them.

      Delete
  26. Love to have a portfolio like yours.:)

    ReplyDelete
    Replies
    1. Hi Investing Wolf

      Thanks for your comment.

      Good to see you starting your own blog documenting your journey too :)

      Delete
    2. Hi Brian

      Thanks. Learning from the seniors of the field (such as yourself).
      Hoping to 1 day be able to look back at the start of the journey and re-live the memories.

      Delete
  27. May I suggest the latest comments be on top instead of below...
    Congrats and wish you more success with your blog and portfolio!

    ReplyDelete
    Replies
    1. Hi Gerrvy

      Thanks and I'll take that into considerations :)

      Delete
  28. Hi B,
    Seems like you figured out your finances pretty well, I am not familiar with the stocks in your portfolio but probably someday I will learn it as I am from the Philippines and planning to stay there once financial freedom is reached.

    Keep inspiring!
    FFF

    ReplyDelete
  29. I see that CMP is your top position at 25%, don't you feel that putting 1/4 of your portfolio on a S-Chip is kinda risky in some ways?

    ReplyDelete
  30. Hi B,

    Will you be able to share your average cost of CMP?

    ReplyDelete
    Replies
    1. Hi David

      I havent been able to keep a close track on it as I've been purchasing all the way from $0.84 to $0.975. If I were to guess, it would probably be at around $0.93 cents.

      Delete
    2. Hi B

      Currently CMP is $1.12.Is it too expensive to buy in now?Thanks

      Delete
    3. Hi Minnie

      Today run was probably due to roaring bull run from the China and HK market. In terms of the business, I still like their huge cashflow generation capability so no change on that for me.

      In terms of the price, they are still trading at an attractive yield of 6.8% as compared to their peers in the hk market, some of which are trading at the lower end of 5%.

      Delete
    4. Thanks B. They have great potential.

      Delete
  31. Hi what do you think about Silverlake Axis current 23% drop today? what are your sentiments and are you going to cut your losses?

    ReplyDelete
  32. I was wondering how did you managed to have capital injection of 60,000 a year. This figure is amazing. Are you working a high paying job is excess of 100,000 a year?

    ReplyDelete
  33. Hi Jason / Hubert

    The capital injection is a result of net savings from salary, online income and dividends. I don't think that's an impossible task to do given that I've known a couple of friends including private tutors who managed to do so.

    The thing about building wealth is it comes with multi thronged approach. Focusing in the investment return is as important as focusing on one's human asset. If they can go both hand in hand together, and you can build a couple more source of alternate income, then you really have the advantage to go much faster at building wealth.

    ReplyDelete
  34. Your blog has been insightful! Thank you for all the sharing!

    I see ST Engineering in your portfolio - I have just started to look at the this co thus would appreciate any insight from you.

    It has been beaten down badly in the last few days. Yield should be above 5%! Have you added or is it on your radar?

    Many thanks in advance!

    ReplyDelete
  35. Great portfolio. Keep it up. Not really a dividend investor, but dividends do play a big part in the 'snowball'.

    ReplyDelete
    Replies
    1. Thanks Apenquotes.

      Let's say I'm not totally blinded by dividends but like you they play a big part in snowball :)

      Delete
  36. Dividend portfolio is looking good! All the best for your journey to Financial Independence!

    ReplyDelete
  37. bro,

    My friend show me your blog link today.

    I look at your portfolio ur port is concentrated in a lot of reit counters .

    My 2 cents

    there are sector concentration risk, Reits itself is highly leverage their cap rate is very low so mostly returns derive from leverage the retain earning are at best 10% meaning your earning yield are actually quite low about 6-7% if you look at their cash flow most of them are financing to pay out their dividend meaning if their mark to market value of the properties are higher every year you will receive your dividend every year however if the value of their building decline which happen before in 2008-2009 there will be rights issues as their retain earnings are very low.

    I used to owns a lot of reits before 2012 but have since divest most as I got most of them in the 2008-2009 period. their dividend yield than was about 12-15% per year due to the lower financing cost they got from QE.

    ReplyDelete
    Replies
    1. Hi Stockkid

      Welcome to the blog :) And thanks for the insightful thoughts.

      I have highlighted a lot on my blog on what we need to look for in a Reit and they are not as easy as most retail investors think. You certainly brought up a very important point and my sentiments is you are a sensible person.

      No worries on it. I used to work for a Reit company and I totally understand what you meant and I am totally prepared for it ;)

      Thanks for your concern.

      Delete
  38. How I Was Rescued By A God Fearing Lender (Lexieloancompany@yahoo.com)

    Hello, I am Andrew Thompson currently living in CT USA, God has bless me with two kids and a lovely Wife, I promise to share this Testimony because of God favor in my life, 2days ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be loan lender not knowing he was a scam. he collected 1,500.00 USD from me and refuse to email me since then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to LEXIE LOAN COMPANY, she said she was given 98,000.00 USD by MR LEXIE , THE MANAGING DIRECTOR OF LEXIE LOAN COMPANY. So I collected his email Address , he told me the rules and regulation and I followed, then after processing of the Documents, he gave me my loan of 55,000.00 USD... So if you are interested in a loan you can as well contact him on this Email: lexieloancompany@yahoo.com or text +1(406) 946-0675 thanks, I am sure he will also help you.

    ReplyDelete
  39. Nice portfolio! I have quite similar holdings and probably similar investment approach. Just like to hear your opinion on these 3 stocks that I been looking at for awhile: Micro-Mechanics, KSH and TTJ holdings. TIA.

    ReplyDelete
  40. Hi im jess... just starting follow your blog...great blog!! May i know u still will keep kingsmen? Because the latest result profit get loss!
    Regards

    ReplyDelete
    Replies
    1. Hi Jess

      Thanks for your support :)

      Kingsmen had a loss on their Q1, and the main suspect is the massive drop in their GPM. In terms of order book, they are still comparable to the previous years Q1. In other words, I interpret this as there are still orders to be won out there but more competition leads them to falling margins.

      I'll have to see a couple of more quarters before making the decision to be honest. For long term play, I still believe in the company and would give them a chance to recover, especially after their new HQ is ready by 2018.

      Delete
  41. Hi,

    Chances upon your portfolio and wonder if you are holding these counters since the share price indicated or it is just reflecting the last traded price?

    Trying to view ppl profile to learn. =)

    ReplyDelete
  42. Hello Sir, Just came across your blog & i must say it well analysis.
    Anw bro, can advise me on Oxley & Artivision?

    Appreciate

    Regards, E.

    ReplyDelete
  43. Sure or not. Seems like FAKE NEWS,

    ReplyDelete
  44. I started a Blog at

    https://othalafehu.wordpress.com/


    check out my portfolio. Any feedback is appreciated

    ReplyDelete
  45. Hi B

    Is this portfolio a combination of both you and your wife?

    Thks.

    Ben

    ReplyDelete
    Replies
    1. Hi Ben

      My wife has her separate 4000 shares of Singtel which wasnt included here.

      But since we are married, the portfolio should belong to the family technically, so no particular differentiation in that.

      Delete
  46. Hi B,

    Thanks for your update. I wish you all the best in your investment. Hope that you achieve FI sooner.

    Ben

    ReplyDelete
  47. Bro,

    Whats your take on Silverlake Axis & Sheng Siong? :)

    ReplyDelete
    Replies
    1. Hi H Bx

      My take on silverlake is they have too much related party transactions that are difficult to understand.

      As for shengshiong, good business but limited growth capacity and valuation is not cheap.

      Delete
  48. 500k portfolio is impressive.
    How young are u this year?

    ReplyDelete
    Replies
    1. Hi Yong Kiat

      I am 32 this year, thank you for your compliment.

      Delete
  49. Hi, thanks for sharing. Just recently chanced upon your blog and it's absolutely amazing and i'm absolutely inspired! Im a newbie in investment and hence hope to get your views on the following:
    I noted you have been loading singtel, cdg and CMT. With the 4th telco coming in, with the heated competition from grab and uber, and with the downside of retail malls in singapore, wouldn't these post some concerns for singtel, cdg and CMT respectively?

    Hope to get some advice from expert like you.

    Thanks!

    ReplyDelete
    Replies
    1. Hi Pei Fen

      Ive written a couple of articles on comfort and cmt not too long ago. I think that would help out on some of the queries you migjt have above on the competitors.

      Delete
  50. Hi, i chanced upon your sharing on ST and it led me to your blog.
    I read your expertise in analyzing companies financials and projecting models. Given my engineering background, would you have suggestions on how can i acquire the knowledge to be able to do the similar level of analysis like you did?

    ReplyDelete
    Replies
    1. Hi Rui

      Thanks for reading.

      There is a lot of books and courses to get you started but even so it requires a lot of time to sharpen the skills over the years. If this is something that interest you, I think its a pretty worthwhile path to take.

      At somepoint perhaps when Im ready I might open up a course to help some of the people who wanted to learn on deep analysis but that too still requires time to polish after that.

      Delete
    2. Hi B, thanks for replying. Yes, i am interested to give it a go. For a start, would you be able to recommend any specific books or courses that i can read/take? Pardon the double posting :S

      Delete
  51. Hi B, thanks for replying. Yes, i am interested to give it a go. For a start, would you be able to recommend any specific books or courses that i can read/take?

    ReplyDelete
    Replies
    1. Hi Rui

      Apologies I miss to reply on your email.

      For a start Id recommend this book by Pat Dorsey 5 Rules of Investing. I think its a generally easy read but really important concept to grasp upon.

      Delete
  52. Hi B, Does your portfolio consist of CPF/SRS investment or is it just purely cash?

    ReplyDelete
    Replies
    1. Hi Wilson

      They are purely cash.

      I do not have an SRS account while I leave my cpf mainly to compound with the interest and for home mortgage.

      Delete
    2. Hi B,

      Thanks! Very impressive growth rate and portfolio size at your age!

      Cheers
      W

      Delete
  53. This comment has been removed by the author.

    ReplyDelete
  54. Hi B,


    Very impressive portfolio.
    Mind sharing what is your invested capital and how long have you been investing? Thanks.

    ReplyDelete

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