Monthly Portfolio Update for July 2016 – Updated & Optimised my CPF Accounts

This month, I decided to log in my Singpass account and update the value of my CPF accounts to better reflect the current values.

I realised that the CPF SA actually serves as an excellent replacement for the Bond component of my portfolio, as it gives an almost risk-free 4% yield, and an additional 1% for the first $60k.

Since I have almost hit the minimum sum, I will be treating it like a 25-year bond which matures at 55.

This is quite an interesting topic, and I will be doing a separate post to summarise all my CPF research and optimization strategy.

monthly portfolio updates (July 2016) 2

 

For my current allocation, cash and real estate (allocation budget) still remains the bulk of my portfolio, at 29% and 35% respectively. Fixed income consists of 13%, which is very close to the target allocation of 15%. I also added some Gold (2%) to hedge my portfolio, since Gold looks poised for a strong move up.

The biggest disparity at the moment between my current and target allocation is the amount of Stocks & REITs holdings, which I have not aggressively accumulated, as I still think that the prices of these assets can fall further. Patience is key at this time, and I will continue to grow my warchest using my trading capital while biding my time.

REVEALED: FULL PORTFOLIO HOLDINGS!

Here are my current holdings as at the end of July 2016:
(Click on any of these buttons below to unlock; for mobile device users, please click twice)

For more insights into my portfolio construction, and how you can create your own customized portfolio, I will be touching more on it during my “Trading Foundation Workshop”, where I will cover all the essentials to kickstart your trading & investing journey. Check availability: http://synapsetrading.com/trading-foundation-workshop/

Good luck! 😀

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Spencer Li is a trader, investor and entrepreneur who currently manages his own portfolio of stocks, REITs, currencies, cryptocurrencies, properties, and businesses. As a former professional in private equity and proprietary funds, he has over 10 years of market experience, and has been featured on more than 20 occasions in the media. As an international speaker and avid globetrotter, he has travelled to over 50 countries to spread his knowledge.

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