Apr 20, 2014

Cory Diary : Property Crazy Question

Let say i have enough budget for either.
Apply value investing and quality of life, which should i go ?

Property 1 : Condo (New)
Region: RCR
Area: 850 sqf
Price: S$1 M
Rental Value: S$3000
Proximity: School, NE MRT/CIRCLE

This leave me with heavier loan, small family, less money for equity and need more loan for car.

Property 2: HDB Re-Sale (10 yrs)
Region: NE Region
Area : 1200 sqf
Price: S$600K
Rental Value: S$3300
Proximity: School, Coffee Shop, Supermarket, NE MRT/LRT

This leave me with 400K to do stock investment, larger family, major renovation and a car.

20 April'14

Apr 17, 2014

Cory Diary : Dividend Dimension

Why Dividends ?

Keep my CEOs on their toes
Best proof of returns
Income sustainability

Year 2005 2006 2007 2008 2009
Cumulative Dividends $2,494 $6,074 $9,365 $12,711 $20,109
Dividends $2,494 $3,580 $3,291 $3,347 $7,398

Year 2010 2011 2012 2013 2014
Cumulative Dividends $31,096 $44,284 $56,880 $85,821 $92,889
Dividends $10,987 $13,188 $12,597 $28,940 $7,068

Q1 2014 has been slow due to divestment of some Reits counters. Of course is still in the earlier part of the year. Building portfolio back up with strong cash companies. I will have to catch up to beat 2013 dividends but not going to lose an arm or leg for it.

No turning back on the Twin Pillars Strategy - Dividends & Growths.

17th April 2014

Apr 6, 2014

Cory : Financial Health Report 2014 April

Personal portfolio heath report using chart gives me a broader perspective view. Over 15 years of record. Cash deposits consist of a number of foreign currencies fixed deposits. Pension fund, oversea stock markets record, any CPF related returns and investment, and property are all excluded.

Profits build up over time while moving towards the direction with lesser risk play, growing dividends, larger capital base and industry selection focus. War chest is quite large if we consider the fixed income segments.

Structured here refers to Preference/Bond types of products. Fixed returns typically from Fixed Deposits. Equity, Dividends and Returns presented are from SGX stock market only.

Over the years learned that i have to

1. Do my own investments
2. Change strategy when needed
3. Learn from mistakes
4. Take calculated risks
5. Cut lost when fundamental change
6. Not invest in Unit trusts and S-chips
7. Read Chart and Fundamental
8. Measure performance

6th April 2014