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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:
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monthly portfolio updates (July 2016) 1

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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: https://synapsetrading.com/trading-foundation-workshop/

Good luck! 😀

For the month of January, the stock markets drifted lower and continued to hover near the lows, as traders and investors speculated whether they would break new lows or start a rebound.

Fundamentally, nothing much has changed, and the outlook continues to be bearish. As such, I will not be adding any equity positions till I see a stronger bottom for the market. I am looking at 2,200 or 2,000 for the STI index.

As part of my defensive strategy, I have increased my holdings in Gold, which should act as a good hedge if the stock markets continue to head lower.

For my long-term capital appreciation strategy, I have also increased my holdings in Oil, as I foresee a possible rebound some time this year.

monthly portfolio updates (January 2016)

For my total assets, 9% was kept in Savings & Liquid Assets, 22% was Non-investment Assets, while the rest (69%) was used to build my investment portfolio.

For my investment portfolio allocation, there is a small amount in Fixed income (6%), slightly more in stocks (19%) and commodities (16%), and the rest was in cash (23%), Trading Accounts (17%) and Misc Investments (19%).

Stay tuned for next month’s update, or subscribe for our mailing list to receive monthly updates in your email!