Summary of November 2018 Transactions

November is ending soon and we will be in the last month of the year 2018. There is basically no major changes to my stock portfolio as I have not sold or added new stocks to my portfolio except for the monthly routine of allocating some cash aside for Singapore Savings Bonds. As such, the percentage of Singapore Savings Bonds crept up from the previous 16% to current 17%.

As the festive season gets closer, I am expecting my expenses to crept up this month and next month due to purchase of gifts for friends and my family. I bought a Nintendo Switch during the 11.11 sale which I think is a pretty good deal at S$407 which includes one game.

Now comes to my wife’s stock portfolio. Similarly, her percentage holdings of Singapore Savings Bonds crept up 1% due to monthly routine purchase. She is also performing the DBS Multiplier Account plus Singapore Savings Bonds hack which earns her additional interest every month.

Even though most stocks and REITs in both of our stock portfolio did not achieve stellar results even though the year 2018 is ending, we are telling ourselves to keep calm. We constantly reminded ourselves that our investments are for the longer term and the dividends collected will supersede the losses incurred in the short term. We are dividend investors.

Last but not least, there are some things I need to remind myself of as next month (December) is the last month of the year.

  1. Contribute to my Supplementary Retirement Account for tax rebates.
  2. Set aside cash to top up my CPF Medisave account to the maximum. The Basic Healthcare Sum (BHS) from 1 January 2019 is $57,200 for all CPF members aged 65 years old and below in 2019. This means I have to top up S$2,700 in cash if I wish to hit the maximum allowed in 2019.

Summary of October 2018 Transactions

This is an exciting month as REITs start to announce their financial results. With the exception of Frasers Logistics and Industrial which will announce their financial results in November, Frasers Commercial Trust, Mapletree Commercial Trust, CapitaMall Trust and Parkway Life REIT has all announced their financial results.

I am happy that Frasers Commercial Trust managed to sustain 2.40 cents per unit for 4Q2018. At the current share price of S$1.43 and FY18 total distribution per unit of 9.60 cents, the yield is 6.71%. The other REIT with fantastic financial results was Mapletree Commercial Trust which reported a growth of 1.3% in Distribution Per Unit (“DPU”) to 2.27 cents.

I have yet to review CapitaMall Trust and Parkway Life REIT financial results but a quick glance shows that the Distribution Per Unit (“DPU”) for CapitaMall Trust has increased by 4.9% to 2.92 cents when comparing 3Q2017 and 3Q2018. Shopper traffic fell 1.8% though. Distribution Per Unit (“DPU”) for ParkwayLife REIT fell 4.1% when comparing 3Q2017 and 3Q2018 financial results. Read More

Summary of September 2018 Transactions

Earlier this month, I have added more Frasers Logistics and Industrial Trust into my stock portfolio. As such, my percentage holdings of Frasers Logistics and Industrial Trust has increased from 13% to 15% of my entire stock portfolio. At the current yield of 6.88%, Frasers Logistics and Industrial Trust is still attractive to me (Read more: What To Invest Now? ).

If you have read my recent post, you will also know that I am waiting for an opportunity to buy into Frasers Commercial Trust as well (Read more: My Personal Analysis Of Frasers Commercial Trust). The stock price of Frasers Commercial Trust has gone up to S$1.43 which I think might be a little non-attractive to enter at this current price. Like I wrote about, I am more comfortable to buy into Frasers Commercial Trust at S$1.41 and below for a dividend yield of 6.80%.

The next update is my wife’s stock portfolio.

If you have noticed, there is a huge jump in terms of allocation for Frasers Logistics and Industrial Trust. Using the combined dividends that both of us have collected this year, she bought more of Frasers Logistics and Industrial Trust given the current attractive dividend yield of 6.88%. She will like to add more of Singtel but the price fluctuations is too fast and she didn’t managed to catch it S$3.10 and below. Certain stocks in her stock portfolio are not performing too well such as Tai Sin Electric, Singtel and Starhill Global Reit. However, we are less worried.

Like the saying goes, “Keep Calm and Collect Dividends!