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True story of a dividend investor. Hope it will inspire others to be on the correct track.


He has very kindly and graciously agreed and allowed me to share this with others



I started my investing journey some 20 years ago. 

Started out with tips from friends, family and media. That did not end well. 

Then got introduced to an investment news letter by a popular value investor . Did ok but was frustrating sitting on under valued stock that did not go anywhere. 

Then tried my hands on trading with charts, stop loss, etc. That was the most nerve wrecking time, second guessing my decisions, glued to the market. I don’t know how those day traders do it daily. 

Finally it was dividend investing where l found peace, getting paid while waiting for the companies to manage growth and increase their value.

I believe this is the way to go, together with portfolio management . 

That’s a very short summary of my investing journey. Hope that helps my fellow journey investors.


cut and paste this link to join telegram dividend investment discussions 


https://t.me/joinchat/LF1A_hcaKpIQDPChnbnwcA
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Sold most of FCT and Plife above 260 and 310. Used proceeds to add banks and keppel corp

Accepted FCT rights at 235

Sold off all of fortune reit and used proceeds to add HSBC. Fortune reit going to delist from sgx, and further holding would need to be held in custodian ac. HSBC happened to be at good price and yield, and pays quarterly. If need to be custodian account, choosing between fortune reit and hsbc, the latter would be a much better choice.

Added Hkland, GPI

As i grow older, i am placing more emphasis on larger companies and blue chips. Risk management strategy shifting gradually, overall giving up a bit on yield for stability and peace of mind.


Overall,

nothing fanciful and nothing new: dividends received will be used to reinvest in the same counters and/or the counters which are about to pay dividends soon.

No further input is necessary. Portfolio creates the income every month and gets reinvested. One reinvestment move means one more continuous stream of income in the future.

Counters get rebalanced periodically as and when the opportunities arise.

Market up or down doesn't matter too much, in fact is not a bad thing after all. Dividends provided new cash flow as compounding and dollar cost average tool.

This is all season, all market condition investment strategy, and works for all investors of all ages as well.



cut and paste this link to join telegram dividend investment discussions 

https://t.me/joinchat/LF1A_hcaKpIQDPChnbnwcA


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Added SIA and banks and hlf.

As i grow older, i am placing more emphasis on larger companies and blue chips. Risk management strategy shifting gradually, overall giving up a bit on yield for stability and peace of mind.


Overall,

nothing fanciful and nothing new: dividends received will be used to reinvest in the same counters and/or the counters which are about to pay dividends soon.

No further input is necessary. Portfolio creates the income every month and gets reinvested. One reinvestment move means one more continuous stream of income in the future.

Counters get rebalanced periodically as and when the opportunities arise.

Market up or down doesn't matter too much, in fact is not a bad thing after all. Dividends provided new cash flow as compounding and dollar cost average tool.

This is all season, all market condition investment strategy, and works for all investors of all ages as well.



cut and paste this link to join telegram dividend investment discussions 

https://t.me/joinchat/LF1A_hcaKpIQDPChnbnwcA


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I put myself in the shoes of an middle age to older person. I can doing some part time job to keep busy and to earn a little income. I want to have passive income every month. I do not like to monitor the market as I find that stressful and I might end up making wrong desisions. I want a low risk portfolio. Perhaps, at most once or twice a year, I take a look at the absolute values of the portfolio. And importantly, I do NOT want to outlive my portfolio and I would like to see the the overall dividends go up with time.

ok

here it is

Singtel 500 shares   $1560
SPH 400 shares   $944
Netlink NLT 1200 shares   $1008
DBS 100 shares $2630
SGX 200 shares  $1480
Singpost 1000 shares  $960
ST Eng 300 shares  $1185
Mapletree Industrial Trust (MIT) 800 shares   $1656

Dividend (figures represent sum in dollars)

Jan    Sintel 34
Feb   DBS 30 SGX 15 SPOST 5 total 50
Mar   MIT 16
Apr
May   STE 30 SPH 22 DBS 30 SGX 15 total 97
June   NLT 24 MIT 16  total 40
July   SPOST 20
Aug   MIT 16 SINGTEL 53.5  DBS 30 SPOST 5 total 104.5
Sept   STE 15
Oct    SGX 15
Nov   DBS 30 SGX 15 SPOST 5  total 50
Dec    SPH 28 NLT 24 MIT 16  total 68

*** this is just my own plan for my ownself, use it as a guide, if anyone wants, at your own risk
https://t.me/joinchat/LF1A_hcaKpIQDPChnbnwcA

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No dividends received from stock counters for month of April. Few counters paying in May went XD in April

Added SIA, SPH, SGX, Bukit Semb and SingRe. Nothing sold.

Great news from DBS as it decided to pay quarterly now. Wonder if the other banks would follow.






Overall,

nothing fanciful and nothing new: dividends received will be used to reinvest in the same counters and/or the counters which are about to pay dividends soon.

No further input is necessary. Portfolio creates the income every month and gets reinvested. One reinvestment move means one more continuous stream of income in the future.

Counters get rebalanced periodically as and when the opportunities arise.

Market up or down doesn't matter too much, in fact is not a bad thing after all. Dividends provided new cash flow as compounding and dollar cost average tool.

This is all season, all market condition investment strategy, and works for all investors of all ages as well.



cut and paste this link to join telegram dividend investment discussions 

https://t.me/joinchat/LF1A_hcaKpIQDPChnbnwcA


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Remarks:

Added more banks, sia and keppel corp

On review of ums position, figured out that the risk benefit does not fit in and took the chance to sell it off at 74c, and bought keppel corp in the process. ums-dividend cut last term and now absence of special.






Overall,

nothing fanciful and nothing new: dividends received will be used to reinvest in the same counters and/or the counters which are about to pay dividends soon.

No further input is necessary. Portfolio creates the income every month and gets reinvested. One reinvestment move means one more continuous stream of income in the future.

Counters get rebalanced periodically as and when the opportunities arise.

Market up or down doesn't matter too much, in fact is not a bad thing after all. Dividends provided new cash flow as compounding and dollar cost average tool.

This is all season, all market condition investment strategy, and works for all investors of all ages as well.

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from the dividend perspective,

all was well, and the company was even paying biannual dividends starting 2010

then if u notice, 2012 and 2013 dividend seems to have taken a halt in growth. Sure, it could be a natural part in its business.

then in 2014 and 2015, dividend was cut to 0.023c for each of those years. This should ring some alarm bells already.

2016 dividend cut further to 0.012. IMO should be time to get the hell out.

look at 2017, skipped dividend for august. if still don't get out...really good luck amd really need to find a damn good reason not to


Created a telegram chatgroup for those interested in dividend discussions.
https://t.me/Jamescookandrew
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Dividend by month

1) singtel
2) fcot sgx  starhillg fct sphreit cmt fortune capitaretail capitacom mit suntec
3) spost  taisin  nam lee
5) fcot steng sgx  uob sph starhillg fct sphreit cmt cdg hcg Singre teckwah mit sci suntec bumi hlf ums
6) tcil ocbc
7) singpost ums
8) fcot singtel  plife  suntec ocbc  starhillg sci steng fct singpost sphreit cmt ock fortune  capitacom  siaen mit sats uob cdg sci
9)   hlf teckwah bumi singre capitaretail
10) sgx ums tcil
11) fcot taisin sgx spost  starhillg fct cmt siaen mit suntec
12) sph ksh ock sats netlink ums



Remarks:

Added more three banks keppel corp sia sph sia


bank prices took a slight hit and i was able to add some more. dividend bumped up in some cases

st eng i thought it would also up dividend but it was maintained at 10c.

comfort also reported results within my expectations. dividends raised slightly.

hlf reported some good results. nav rose to exceed $4. dividend raised also.






Overall,

nothing fanciful and nothing new: dividends received will be used to reinvest in the same counters and/or the counters which are about to pay dividends soon.

No further input is necessary. Portfolio creates the income every month and gets reinvested. One reinvestment move means one more continuous stream of income in the future.

Counters get rebalanced periodically as and when the opportunities arise.

Market up or down doesn't matter too much, in fact is not a bad thing after all. Dividends provided new cash flow as compounding and dollar cost average tool.

This is all season, all market condition investment strategy, and works for all investors of all ages as well.

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Dividend by month

1) singtel
2) fcot sgx  starhillg fct sphreit cmt fortune capitaretail capitacom mit suntec
3) spost  taisin  nam lee
5) fcot steng sgx  uob sph starhillg fct sphreit cmt cdg hcg Singre teckwah mit sci suntec bumi hlf ums
6) tcil ocbc
7) singpost ums
8) fcot singtel  plife  suntec ocbc  starhillg sci steng fct singpost sphreit cmt ock fortune  capitacom  siaen mit sats uob cdg sci
9)   hlf teckwah bumi singre capitaretail
10) sgx ums tcil
11) fcot taisin sgx spost  starhillg fct cmt siaen mit suntec
12) sph ksh ock sats netlink ums



Remarks:

Added more cdg sia and three banks.

As expected (see previous post), taisin continued to slide.. Market is taking a while to correct downwards and reflecting the similar bearish view of eventual eps drop and dividend cut. the last straw would be seeing the real result. of course, i could be totally wrong on this, as market is proven time and again to spring surprises to investors, big and small. if taisin were a billion dollar blue chip, i might just hold on. but its not, and safety first.

Fortune reit released a very good set of results yesterday. both nav and dividend rise as expected. and as expected, this counter continued to rise upwards against the broader market weakness.

tan chong went down with the profit guidance result. this counter is for long, so its not unexpected that those with short horizon and weaker holders to bail out. as time goes, this gets even more undervalued.

I would be eagerly waiting for the blue chips counters to report their results in the coming weeks.




Overall,

nothing fanciful and nothing new: dividends received will be used to reinvest in the same counters and/or the counters which are about to pay dividends soon.

No further input is necessary. Portfolio creates the income every month and gets reinvested. One reinvestment move means one more continuous stream of income in the future.

Counters get rebalanced periodically as and when the opportunities arise.

Market up or down doesn't matter too much, in fact is not a bad thing after all. Dividends provided new cash flow as compounding and dollar cost average tool.

This is all season, all market condition investment strategy, and works for all investors of all ages as well.
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Let me share a educational story as a new year inspirational story

Studied hard and Graduated with a University degree and started work in 1988, just after Black Monday crisis

STI crashed 2yrs later 1998 STI 896. Wipe out 64%! Yes, 64%. Meaning every $1000 became $360 or pretty much so.

Being twice unluckily at having bought at the highest STI just before the massive crashes occur, Paul High decides to stay off investing as he thinks he has enough of it.

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