​​​​My Investment Portfolio

Investment philosophy

When I started this journey, my investment philosophy has always been to exert little effort in managing my investment portfolio while generating the maximum amount of gains possible. Learning from fellow investors in the personal finance community, I have been able to broaden my perspectives about both financial and retirement planning.

From those learnings and insights, I have decided to split my investments into a few different portfolios in an intentional manner. On their own, they have their individual investment objectives and purpose which allows me to have different levels of volatility, growth and yields.

When I combine all the investment portfolios, they become a purposefully ochestrated retirement portfolio that looks something like this.

Overall portfolio allocation

Here's what my current investment portfolio allocation looks like.

I have revised my core portfolio in December 2021 by withdrawing the original portfolio from AutoWealth and building my own portfolio with index ETFs that suit my macro views of the economy. I have also started a growth portfolio to invest in companies that I am in favour of, but such stock picks will always remain as a small percentage of my overall portfolio, when compared to my core portfolio.

My dividend portfolio and fixed deposits are intentionally kept small for now because I am more focused on capital gains instead of dividend yields. I consider them more like a starter kit at the moment.

The investment property is taking up a bigger chunk of the overall portfolio allocation right now, simply because it requires a certain amount of capital to partake in the real estate game. Ideally, I expect to see this allocation continue to decrease over the years years as I inject more capital into the other asset allocations.

Core Portfolio

  • Objective:
    • Invest in a diversified portfolio of ETFs that suits my macro views of the economy to generate long term accumulation of wealth consistently >6% with moderate volatility each year.
    • Higher risk and volatility.
  • Purpose:
    • To fund a portion of my retirement expenses by selling off a portion of the portfolio each year.
  • Target Allocation:
    • 80% in iShares Core MSCI World UCITS ETF USD Acc (IWDA) 
    • 5% in iShares FTSE China A50 ETF (2823) 
    • 5% in iShares Hang Seng Tech ETF (3067)
    • 10% in Bond Alternatives (low volatile dividend stocks and stablecoin yielding deposits)

Asset

Asset Allocation

Target Allocation

Current Allocation

iShares Core MSCI World UCITS ETF USD Acc (IWDA)

Equities (Developed Markets)

80%

74.4%

iShares Hang Seng Tech ETF (3067)

Equities (China)

5% 2.5%

4.4%

iShares FTSE China A50 ETF (2823)

Equities (China)

5% 2.5%

4.1%

NetLink Trust (CJLU)

Bond Alternatives
(Dividend stocks)

5%

6.4%

Stable coins

Bond Alternatives
(Cryptocurrency)

5%

2.1%

Cash

Cash

0%

5.1%

Updated as of Jan 2022

Growth Portfolio

  • Objective:
    • Invest in assets to generate long term accumulation of wealth consistently >6% with moderate volatility each year.
    • Higher risk and volatility.
  • Purpose:
    • To fund a portion of my retirement expenses by selling off a portion of the portfolio each year.
  • Target Allocation:
    • 100% in a portfolio of selected stocks with a primary focus on capital gains.

Asset

Average Price

Allocation

$18.00

100%

Updated as of Jan 2022

Dividend Portfolio

  • Objective:
    • Generate >5% dividend yields yearly which will be reinvested into the portfolio until retirement age is reached.
    • Low growth but almost guaranteed yields.
  • Purpose:
    • To fund a portion of my retirement expenses with dividend yields received each year.
  • Target Allocation:
    • 100% in a portfolio of selected stocks with a primary focus on >5% dividend yields.

Asset

Average Price

Dividend Yield

Allocation

NetLink NBN Trust

$0.813

6.24%

100%

Updated as of Jan 2022

SRS Portfolio

  • Objective:
    • Long term accumulation of wealth in a consistent manner with moderate volatility every year.
    • High risk and volatility.
  • Purpose:
    • Option 1: To withdraw 10% of the portfolio each year from age 62 onwards to fund a portion of my retirement expenses.
    • Option 2: To convert portfolio into a lump sum annuity to fund a portion of my retirement expenses with yearly cash payouts.
  • Target Allocation:
    • 99% in Endowus, investing in Dimensional World Equity Fund SGD.
    • $5,000 in SSB June 2019.

Asset

Latest Price

Allocation

Dimensional World Equity Fund SGD

$29.11

100%

SSB June 2019

$1

$5,000

Updated as of Jan 2022

Fixed Deposit

  • Objective:
    • Generate >3% interest per year in overseas USD-denominated fixed deposit saving account.
    • Build a fixed deposit ladder of recurring 3-year fixed deposits to receive the maximum interest rate available.
    • Low risk and volatility, subjected to SGD-USD currency risks.
  • Purpose:
    • Option 1: To fund a portion of my retirement expenses by withdrawing a portion of the fixed deposit each year.
    • Option 2: To fund renovation of my investment property if I decide to use it as a home for my retirement.
  • Target Allocation:
    • 100% in USD-denominated fixed deposit saving account

Investment Property

  • Objective:
    • High risk long term illiquid investment with the aim of capital appreciation.
    • Super high risk due to unknown economic future of Cambodia, subjected to SGD-USD currency risks.
  • Purpose:
    • Option 1: To fund a portion of my retirement expenses with rental income each year.
    • Option 2: To be converted into a home for my retirement for geoarbitrage purposes.
  • Target Allocation:

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