$$$ KPO and CZM $$$

Friday, January 22, 2021

Endowus - December 2020

My statement for this month is slightly different as I have invested long enough (1 year) for them to compute the Annualised Internal Rate of Return also known as the money-weighted rate of return (MWRR) which is 19.85% (very decent!). What I am looking forward to is the time-weighted return (still not shown yet) so I can compare it against other robos/portfolios.

Risk Profile
Goal type: General wealth accumulation
Risk tolerance: Maximise returns (loss tolerance -60%)
Monthly investment using SRS: $740


I have modified my monthly investment in order to max out my SRS contribution for the year.

Account Summary


Capital: $11,150.00
Current: $12,466.20 (11.83%)

There are quite a few differences as compared to StashAway. Firstly, all the cash has been invested while StashAway keeps 1% of the portfolio in cash. Secondly, the fees are not deducted on a monthly basis. The Access Fee charged by Endowus will be deducted at the end of each quarter as stated in their FAQ.

As of 22 Decemeber 2020, the portfolio value is $12,935.43 (+16.06%).


Asset Allocation


This shows that the number of shares for each fund that I owned:
- Dimensional Global Core Equity Fund (176.9980)
- Infinity US 500 Stock Index Fund (2,081.9000)
- Dimensional Emerging Markets Large Cap Core Equity Fund (70.6880)
- Dimensional Pacific Basin Small Companies Fund (64.7830)

It will be great if they actually showed my average price vs the current market price.

Transactions


That's all! Overall, I think the statement is pretty straightforward and easy to read. On a side note, StocksCafe does not has the ability to track funds, hence unable to do any form of comparison/benchmark.

Speaking of which, Endowus has finally launched a mobile app:
Android: https://play.google.com/store/apps/details?id=com.endowus.mobileapp

If you are interested in Endowus, do use our referral link for our readers! You will get S$10,000 managed free for 6 months ($20 equivalent) and we will get $20 too!

You might be interested in previous months update too:
Endowus CPF/SRS Review
Endowus - January 2020 - $3,692.02
Endowus - February 2020 - $3,704.57
Endowus - March 2020 - $4,153.50
Endowus - April 2020 - $4,849.67
Endowus - May 2020 - $5,797.36
Endowus - June 2020 - $6,471.66
Endowus - July 2020 - $7,455.96
Endowus - August 2020 - $8,588.83
Endowus - September 2020 - $9,124.13
Endowus - October 2020 - $9,665.59
- Endowus - December 2020 - $12,466.20 

Do like any of the following for the latest update/post!
1. FB Page - KPO and CZM
2. Twitter - KPO and CZM
3. Click here to subscribe using email :)
4. Instagram - KPO_and_CZM (Did you see those delicious food photos to the right --> Unfortunately, you can't see it on mobile.)

Monday, January 18, 2021

Portfolio - December 2020

I will be honest, it's much harder to find time to manage our finances/investment or as a matter of fact, do anything with a newborn nowadays. Even if there's some time when the baby is sleeping, there's simply not much energy left and we would always choose sleep over other matters. lol. That's why this month's update took so long.

Anyway, our portfolio reached a new high as 2020 comes to an end! It increased by 4.69% to $669,630 - $8,125.34 of capital injection and $21,898.20 of capital gain. This includes $56,034 of leverage/debt (gearing ~9.13%).

If you prefer to look at numbers, this is the raw data used to generate the above bar graph. These numbers are as of the last day of the month.

"Cash Flow" is the amount of money being injected/withdrawn from the portfolio (buying stocks = +ve cash flow while selling stocks and collecting dividends = -ve cash flow)

SOLD
- None

BOUGHT
- CapitaLand Retail China Trust (4,000 units) @ $1.17
- Mapletree NAC Trust (335 units) @ $0.8574

We did not buy anything for a couple of reasons. The main one is we need to save up for CZM and Baby Ong hospitalization/delivery fees this month. The stocks didn't look as attractive after the market went up so much. We did not buy IWDA and iShares Hang Seng Tech ETF (3067) because it is at an all-time high. Yes, I am timing the market but I just couldn't help it. Unfortunately, they just keep going higher @_@"

We got CapitaLand Retail China Trust from its rights issue + oversubscribing and as for Mapletree NAC Trust, we took shares instead of cash for its latest dividend.

I have also decided to increase my SRS contribution to $1,480 per month with the intention of maxing it by year-end.

Our Monthly DCA for December - $4,230
$1,000 Cash - StashAway Risk Index 22%
$740  KPO's SRS - StashAway Risk Index 36%
$250 CZM's SRS - StashAway Risk Index 14%
$740 KPO's SRS - Endowus Loss Tolerance -60%
$1,000 Cash - Syfe REIT+ (100% REIT)
$500 Cash - Syfe Equity100 (100% Equities)

Dividends
The total dividends collected this month is $2,103.04. The breakdown is as follows:

Company                                                     PayDate          Shares         Total
ESR-REIT                                             30-Dec-20     306.104 $2.44
DBS Group Holdings Ltd.                     29-Dec-20     900         $162.00
Frasers Hospitality Trust                     29-Dec-20     4,000         $42.78
Mapletree North Asia Commercial Trust   28-Dec-20     10269.686 $295.35
First Real Estate Investment Trust             23-Dec-20     11,009         $111.19
AIMS APAC REIT                                     18-Dec-20     1,600         $32.00
Frasers Logistics & Commercial Trust     17-Dec-20     21,610         $732.57
Ascendas Real Estate Investment Trust     11-Dec-20     218.374 $12.53
Parkway Life REIT                                     8-Dec-20     2021.837 $71.57
CapitaLand Retail China Trust             4-Dec-20     17102.038 $470.30
NetLink NBN Trust                             4-Dec-20     6,000         $151.80
Mapletree Logistics Trust                     4-Dec-20     310.534 $8.31
Frasers Centrepoint Trust                     4-Dec-20     73.04         $3.28
Mapletree Industrial Trust                     1-Dec-20     225.698 $6.92

Total dividends collected for 2020: $21,425.57
Average dividends per month for 2020: $1,785.46

StashAway

KPO

CZM

Capital: $47,150‬.00
Current: $‭‭‭‭56,721.66

If you are interested in StashAway, do use our referral link. You get $10,000 free management fees for 6 months and we will get $16!

If you want to extract those transactions information from StashAway, do take a look at this article - StashAway Transactions Parser.

Endowus


Capital: $11,150.00
Current: $12,436.98

If you are interested in Endowus, do use our referral link for our readers! You will get S$10,000 managed free for 6 months ($20 equivalent) and we will get $20 too!

Syfe

REIT+ 100%

Equity100

Capital: $11,200.00
Current: $‭‭‭13,141.55

New Syfe customers will have their first $30,000 managed free for 6 months when they use our new referral code (KPOCZM). We will be receiving a $10 cash incentive for our portfolio if you invest $500 or more.

If you want to extract those transactions information from Syfe, do take a look at this article - Syfe Transactions Parser.

You might be interested in these blog posts too:
Portfolio Performance in 2019
2019 Net Worth
Portfolio - December 2019 - $463,297
Portfolio - January 2020 - $455,071
Portfolio - February 2020 - $442,216
Portfolio - March 2020 - $415,071
Portfolio - April 2020 - $459,037
Portfolio - May 2020 - $470,665
Portfolio - June 2020 - $502,313
- Portfolio - December 2020 - $669,630

Do like any of the following for the latest update/post!
1. FB Page - KPO and CZM
2. Twitter - KPO and CZM
3. Click here to subscribe using email :)
4. Instagram - KPO_and_CZM (Did you see those delicious food photos to the right --> Unfortunately, you can't see it on mobile.)

Sunday, January 17, 2021

1 Month as a Parent

It has been about a month since the birth of Baby Ong and we just "celebrated" her full/first month.


The journey till date wasn't an easy one. The first few days were the worst and most stressful as we were constantly worried about her not having enough breast milk and we didn't know why she was crying/not sleeping. It was extremely hard to get her to go to sleep. Imagine in the middle of the night (2/3 am), spending 1-2 hours trying to coax her to sleep before we can get some sleep too. Honestly, it was just so tiring!

The worst part was during our first PD visit (about one week later), she had to be separated from us and was admitted to the hospital for phototherapy as her jaundice level was too high (290+). As tiring as it was, we still preferred to have her by our side. It was such an emotional day that CZM and I cried and hugged each other to sleep consoling each other that we can finally have a good sleep/rest. Having a baby/child really changes one's mentality.

Even until now, her jaundice level is still relatively high (~140+ that's why she looks so tanned above, probably from the phototherapy and whenever we could "sun" her) and we are still monitoring now. The PD said it is likely breastmilk jaundice which should be harmless but we just can't stop worrying. In addition, she still has to draw blood to do various tests and it pains us to see that happening. On the bright side, PD said she's growing up well, putting on 1.4kg since birth. She's 4.1 kg now (~50 percentile).

If we could turn back time, I will invest all my money in Bitcoin/Tesla. Hahaha. Jokes aside, the one thing we would have done differently is to get a confinement lady. The transition was simply too sudden and rough. CZM's parents offered to help/do her confinement and we thought it was an excellent idea since who else would have taken better care of CZM. We moved back to her parents' place with the intention to stay for a few months in order for CZM to get as much support as possible. 

Unfortunately, the difference in opinions on how to look after the baby gave us too much additional stress that we decided to move back home immediately after CZM's confinement was over. Some examples:
- Whenever we carry the baby to coax her to sleep, they would say we are spoiling her. Kept asking us to leave her on the cot and let her cry to sleep. Read - Can You Spoil a Newborn? 
- Baby needs about 16 hours of sleep time. Assuming the baby got to eat every 3 hours, that's 8 feeds. In order to get the 16 hours of sleep, we would need to change the diaper, feed, and coax her back to sleep within an hour but her parents always insisted that the baby should have playtime and don't need to sleep so much. Read - Newborn and Baby Sleep Basics.
- We hate it the most when the baby's sleep is being disturbed. Whenever relatives come over to visit and they would always offer/ask the relative to carry the baby when she's sleeping. While we understand that relatives are excited and would like to play with the baby, we would still prefer to have the baby's sleep prioritized.

Having said that, we really appreciate all the help that was provided (no need to do any household chores for one month!) and one of the reasons for getting confinement lady is so that it wouldn't be so tiring for her parents too. CZM's mum got to wake up early to buy fresh food from the market and cook for her. So if you are considering getting a confinement lady or getting your own parents to help, I will recommend the former to avoid any unnecessary conflict and you will have one whole month to learn how to take care of the baby.

This tip is from CZM. For those that are intending to breastfeed, do invest/buy a handsfree pump. It gives her the flexibility to do so many things (eat, watch tv/mobile, cook, etc.) while pumping. The only thing you can't do is sleep. lol. Even if you are planning to let the baby latch, you would still need to pump to prevent engorgement. If you are wondering, CZM is using Imani Handsfree Electrical Breastpump i2.

We received some red packets/money from relatives, friends, and colleagues as well as the $3,000 baby bonus from the government. We are still considering what to do with that money, should we invest on her behalf or simply pocket/keep it ourselves to offset all the expenses we have incurred. One thing that is for sure is we do not plan to max her CDA account immediately although the government is providing dollar to dollar matching up to $3,000 because once the money is in, it is "stuck" at a low-interest account. Anyway, we can do that anytime before the child turns 12 years old and there's ample time.

Any baby tips? 

Do like any of the following for the latest update/post!
1. FB Page - KPO and CZM
2. Twitter - KPO and CZM
3. Click here to subscribe using email :)
4. Instagram - KPO_and_CZM (Did you see those delicious food photos to the right --> Unfortunately, you can't see it on mobile.)