Cory Diary2024-04-21CoryLogics Invest Chat - No Coin, No Porn, No Penny ( Limited to Invitation )Telegram CoryLogics <= Link to Telegram ChatDisclaimer: The articles presented in this blog reflect personal opinions and are intended for informational and sharing purposes only. Not responsible of errors. Readers are advised to seek professional guidance when making financial decisions and ..read more

Dividend received $12,096 topping my cumulative number from half million achieved goal last year. To clarify, Dividend is basically from equity. I have stopped tracking interests return outside Equity due to too numerous transaction which i find time limited. Q1 is a slow quarter due to banks yet ex-dividend and main bulk of dividends are not expected to fall into here.Portfolio returns wise YTD ..read more

Shifting StrategiesAs we navigate through the intricate landscape of investment, it becomes imperative to reassess our equity portfolios, especially in the face of fluctuating market conditions. With the Federal Reserve hesitating to adjust rates as expected and a mix of thriving and sluggish markets, it's time to delve into the strategic adjustments made in recent weeks.Dropping GoogleDespite ..read more

It's been a while since our last net worth update, and I'm excited to share some positive developments. The primary catalyst for the upswing is the increased valuation of our properties, a conservative estimate that has significantly contributed to the overall growth.Let's delve into the numbers:1. Property Valuation Boost:A noticeable uptick in net worth, with property valuation being a key ..read more

Currently on routine half-yearly tracking family expenses. To be exact the tracking is based on the outflow from saving account. Before I start it off there are a few items or assumption made.Figure includes"Home Loan"A few one-off Medical Expenses - Therapy Sessions etcOn/Off there maybe Bonus Company Share SalesParental AllowancesFigure excludesIncome Taxes. I help cover my partner too.Partner ..read more

A quick show on investment returns supporting cash flow compare to asset invested. Each set of matching colour between the 2 charts for comparison. Left is Asset allocated. Right is the corresponding cash flow returns from it.Rental Income is the net after interests portion of the monthly loan and maintenance fee. Further 20% cut on rent to be conservative. It is an expansionist for my cash flow ..read more

Last year, due to a rate hike, savers had a field day scooping up Fixed Deposits, Singapore Savings Bonds, and Singapore T-Bills. In the Singapore context, these options offer almost guaranteed returns, are SGD denominated, and provide strong interest rates ranging from 2.7x% to 4%.Unfortunately, last year, I only managed to top up 5K into my CPF Account. I believe free cash is better invested ..read more

Today played around Ratios with newly updated Asset numbers. We start with Asset Allocation. See below.And then we do some interesting Ratios among them.The first ratio is how much liquidity on current assets that i can move easily. This give me an idea if I am to ramp up my equity portfolio to support war chest.The second ratio is how much resource into property. 61% of Equity size. This tell me ..read more

Just tally up on the most exciting figure of the year for me as this theoretically encompass year family expenses, incomes, pensions, parental support, investments,  etc. To cut it short, the year score is below. Net Worth 7.3% up YoY (ATH) which is kind of relief after seeing a reduction for first time in Year 2022 since I started tracking.Net Worth YoYThe final data includes the CPF ..read more

This is an update on the 2nd part of Equity Performance in Year 2023. The first part is the result. Link here. The Year 2023 XIRR return is 14.6%. For a portfolio that has 50% Reits (fluctuates between 40% to 70%) allocation, the dynamism is quite high (See below chart) . The key learning is how to manage drawdown, and profit from it.Manage RiskReits are investor instrument for cashflow and have ..read more