Saturday, January 14, 2017

2016 Year End Portfolio Review

Its the end of 2016, let's just do a little checkpoint to see how much am I closer to my target :) I started building my portfolio in Oct 2014. So close to 3 years of results.

STI vs my portfolio:
My portfolio already beat STI for many months with the cumulative amount of dividends collected, but if you count only capital gain, I still beat the market.

Portfolio by stocks:
I am currently still in the process of diversifying my portfolio such that they should not exceed more than 5% of my total portfolio. I am always looking out for more high dividend stocks to buy so that I will be more diversified. The recent bear market has allowed me many opportunities to pickup blue chips and mid cap chips with high dividends I have 23 stocks with me now and will be targeting to reach more than 30 of them.

Portfolio by sector:
In the sector diversification, my Capital Markets sector has come down due to my buying up of other sectors. I also bought in quite a number of shares in the Industrial conglomerates which consists of Keppel Corp and Sembcorp Ind, telco companies and REITs, it is now about 11.5%, 18.8% and 12% respectively. I am targeting probably not more than 20% for each sector of the other stocks.

Checkout my portfolio → portfolio

TargetTargeted Portfolio sizeTargeted Monthly dividendsPeriodYearly CONDividends Reinvested
1st target$85,000$495 2015$30,000$5,900
2nd target$120,000$700 2016$30,000$8,400
3rd target$161,000$920 2017$30,000$11,000
My 3rd target is to invest up to $161,000 and receive monthly dividend up to $920 per month. I think I already met my 3rd target in 2016!
I have invested $174k and expected to receive monthly dividend of about $905 :)

Checkout my target → target

Total dividend is $10k+
Dividend per month is $905

Checkout my dividend → Dividends

Portfolio Analysis:
My worst performer is Noble Group (-55%) Grrr. I was trying to catch the bottom at 69c but it went down even further. Now, it is offering rights issue at 11c. Super big discount to its trading price :( Noble has gone through worst time during 2008 crisis but the lowest it went there was 42c I think. Let's hope Noble can pull through and recover *pray* haha

My best performer so far is UMS(36%). This one was bought during my early days and was collecting dividends and some capital gains :)

Overall, my portfolio still ends negative in mid 2016. Some credits for the diversification of stocks. My risks are spread out throughout my list of stocks. Cant imagine if I have a big share in Noble then my portfolio will look really bad. But things are turning around and I can see my portfolio recovering near to breakeven already. Just a few months more ...

At end of 2016, I already invested close to $174,000 and receive monthly dividend of $905. Based on the projection of my expected annual dividend of this current portfolio, I should be getting around $12000 which is about $1000 per month. So I should have met my 3rd year target. We will confirm this when we do a full review of 2017 at mid year. I will continue to follow my strategy of allocating $5000 each month to buy high dividend stocks and march towards my 3rd target which is ...

TargetTargetted Portfolio sizeTargetted Monthly dividendsPeriodYearly CONDividends Reinvested
1st target$85,000$495 2015$30,000$5,900
2nd target$120,000$700 2016$30,000$8,400
3rd target$161,000$920 2017$30,000$11,000
4th target$213,000$1200 2018$30,000$14,900
5th target$257,000$1500 2019$30,000$18,000
6th target$320,000$1800 2020$30,000$22,400
7th target$372,000$2100 2021$30,000$26,000
8th target$428,000$2490 2022$30,000$29,900
9th target$487,000$2800 2023$30,000$34,100
Final target$551,000$3200 2024$30,000$38,500

Checkout my strategy → Strategy

Dividend Stock Tracker
I keep track of good SGX dividend stocks such as 10 years consistent SGX dividend stocks, REITs, Business Trusts, etc with real time information update. Checkout the link below:
Checkout my Dividend Tracker


  1. Hi Jimmy,

    Congrats on meeting your 3rd target one year early. Your portfolio has very high yield or very productive!


    1. thanks bro
      made some mistakes on buying some small caps i shd have just stick to the big and mid caps ...

  2. Jimmy,

    What a great earn more and savings strategy!

    Even if we strip out capital gains and dividends, $5K a month will grow to $60K per year.

    And in 10 years you'll have $600K, and in 20 years $1.2 million :)

    Just need to avoid heavy capital losses like in 2008 or 1997 where its more than a 50% hair-cut...

    And keep your day job!

    It's the biggest source of growth for your portfolio - not capital gains nor dividends ;)

    It's nice to be a professional or be a corporate high flyer!


    1. yea my active income is now my biggest source but it will not stay like this forever, i am in my mid 40s and seems like my career has reached a plateau. its a cruel world. of cos i am not sitting and waiting for that day to happen :)