$$$ KPO and CZM $$$: Portfolio Performance in 2019

Monday, January 13, 2020

Portfolio Performance in 2019

Let's take a look at how our overall portfolio did for the year 2019.

If you prefer looking at a graph. It seems that we have just very slightly outperformed STI ETF :)

For the year 2019, our portfolio time-weighted return was 20.71% vs 8.78% (ES3: STI ETF). The overall performance since 2014 is 19.50% (time-weighted return) and 6.93% (XIRR). It has been a pretty great year! Too bad for those sitting/hoarding cash though. If you are wondering what is the difference between time-weighted return and XIRR, do read this article by Investment Moats. In short, XIRR takes cash flows into account while time-weighted return does not so the way they are calculated is different.

Looking at the top 5 losers and you can see that these are huge losses:
1. Raffles Medical
2. Geo Energy
3. Tuan Sing
4. Eagle HTrust
5. Soilbuild Business REIT

No plans to let go of any at the moment but if I had to cut loss, the first to go would be Geo Energy followed by Raffles Medical. In addition, I realized this year I have not been keeping myself updated with all the various stocks or reading the financial statements. It feels like a combination of not much capital to inject and a lack of time. Anyway, I am also considering to do more passive investment besides StashAway and Endowus such as buying IWDA on a monthly basis.

These are our top 5 winners:
1. Sheng Siong
3. Capitaland
4. CapitaMall Trust
5. CCB (in HKD which is only about 1k+ gain) Frasers Logistics & Industrial Trust

Similarly, no plans to sell/realized the profit for any of them at the moment but the first to go would probably be CCB/BOC because the country is still in a mess.

Together, we have a capital flow/injection of $‭35,768.54‬ ($32,268.54 + $3,500 to Endowus)! Capital flow is the amount of capital that is being injected or withdrawn from your portfolio where the dividends collected are considered as capital withdrawn. Our rate of saving/investing has dropped due to extremely high expenses from our new house - renovation and furniture. It is only around 15-25% of our salary this year.

Our portfolio gave us a total dividend of $21,307.84 at an average yield of 5.26%. That is $1,775.65 passive income per month! Having said that, there were a few special dividends last year that bump up the rate and this also includes the dividends from our StashAway portfolio, hence it appears slightly higher than our monthly portfolio update.

StocksCafe is even smart enough to project the dividends (removing special dividends) we will be getting for this year assuming everything remains constant which is still lower than our goal of 5% yield.

Based on our 10 years plan to accumulate a $1,000,000 portfolio for extremely early retirement (age 36), our target for this year was $431,301 and we have met the target despite injecting lesser capital than expected (total opposite as compared to last year). The current market value of our portfolio is $463,297. Our next year conservative target is $552,868 with a capital injection of $57,140. Our yearly target is pretty conservative as we believe our expenses will be growing exponentially year on year.

Our expenses are still going to be high this year because we will be travelling quite a bit (visiting >10 countries - Mexico, Peru, Bolivia, Brazil, Switzerland, Finland, Norway, Denmark, Sweden, Estonia, Japan and Malaysia). As we become 30 years old this year, we can feel our bodies becoming weaker (can't hike as much) and our minds becoming more humji (giving Bolivia Death Road a miss where you can bike down as an attraction). This will be our last year travelling so crazily *pinky promise*.

As much as this is more of a finance blog, instead of just constantly saving/investing for retirement, we should all take a break once in a while and enjoy life a bit. Everyone will get that eventually but why not make your journey more interesting and maximize every dollar you spent (use miles instead of cashback to travel like us! lol)?

Let's hope 2020 will be a great and better year for everyone and your investment!

You might be interested in these blog posts too:
- 2017 Net Worth
2018 Net Worth
- 2019 Net Worth
Portfolio Performance in 2017
- Portfolio Performance in 2018

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  1. Yay! Agree that we should not just mindlessly save and not enjoy some fruits along the way! You guys are doing very well in your investments!

    1. Hi Cherry,

      Thank you! You guys too! Congrats on the new house and jia you on getting to 500k net worth!

  2. Nice! Someone going to Estonia.

    Help me scuttlebutt Estonia's E-Residency :D :D :D

    1. Hi UN,

      Hahaha. scuttlebutt what? Nah - https://e-resident.gov.ee/

      https://sitereview.bluecoat.com/#/lookup-result/e-resident.gov.ee - Government site leh. Legit.