over printing of currency

Due to the overprinting of currency, i think for the next few inflation as measure by wants and not needs should increase to 6-8% instead of the usual 4-6%

Thus the hurdle rate for all investment classes should be set at min 8% P.A.

To grow the portfolio by min 8% a year is given not because we are good but we are comparing something that is going to devalue by 6-8% a year. 

This is a concern, I am pretty sure my portfolio is going to increase in value in the next few years but the question is what can I buy by then given the amount of money I had is the most important question.

This shall not limit me by searching a higher ROI.. given the new sets of challenges that the economy will face in the near future. 

 

Dividend hit 153,000 2021

 

The projected dividend for 2021 reached 152.4k was about 40% higher than 2020 due to the rebalancing of the portfolio from the US to Asia market.

2021

15.18%

portfolio return hit 15.18% net of all fees (unleveraged)

Leveraged portfolio return hit 19.99 %

3,671,943

Net Worth (SGD) ?

154.8

Financial Freedom Index (%) ?

FEB 2021.

 

Market observations - People are telling me that Cathy woods are their idol and friends around me newbies are investing in Options in US. Telling me Singapore market is dead.. Dumb money seems to be chasing for capital appreciation on the greater fools theory. I have continue to build up my dividend portfolio. The current monthly dividend is about 12.6k forecasted dividend at 152k for FY 2021. 

 

Target to hit 160-180k level by the year 2022 thru dividend reinvestment and saving. 

The intrinsic value of the portfolio will go up as cash flow is higher.. 

 

Portfolio return of 12.4% YTD. 

Jan 2021

 

Nothing great our portfolio did a 4.77% return for the month of jan of which the MSCI world index did a return 0f 0.21%. We would humbly accept this sort of return.

2021

4.77%

0.21%

Next month - Projection of investment. 

Min 15k to rang 30k would be reinvested into the stock market. 

Projected dividend for 2021 -around 140k a year. 

Market observations seen - Individuals were chasing the greater full theory. Most ppl buy stocks today in the hope of someone buying the stuff from them at an even higher rate which should not end well..

I am not smart enough to do all these as such I would just buy companies that do not have massive leverage and give me a good after the risk-reward return of dividend and capital appreciation. 

nothing great but cannot complain.

 

We ended the year with 71k lower on absolute return ( minus new capital poured in ).

Net worth increased due to the increase in other asset prices condo hdb and watches. 

the projection for next year's dividend about 130-150k due to rebalancing into tech sectors which gives me zero dividend.... 

The main reason for the drag is due to a small allocation into the US market, while a bigger allocation into the HK, Singapore, and the UK market all three markets does not perform well this year. 

However, we have done well if we consider our performance against the market that we are tracking against. 

Let's see what we can do next year..

observation market is chasing growth and has seen a lot of investors achieving 50% return within 3-4 months. 

WOW....

 

Inflation is crazy !!!!..... In Dividend i trust.

Total net worth increases by a bit from the previous year high of 3.08 

Net worth increase by 120k thru saving and capital appreciation on assets. 

What is interesting is that going forward the dividend should hit 140-160k for 2021 and about 200k for 2022.

The portfolio I am managing is grossly undervalued based on the DDM method. 

Let's see if we can end the year on a high note. 

The projected dividend has been increased to close to 145K for FY 2021. 

I think that the technology sector trend has ended. It reminds me of the China S chip bubbles in 2007 era.

difference between my all-time high record of 3.085 was about 140k however this was also due to dividend reinvested. and saving of 60k for this year. 

Let's hope i can end this year with a slight profit to close of the covid year.. 

year low about 2.485M and YTD recovered 450k .. wah ... sweat...