tag:blogger.com,1999:blog-31162474069081435362024-03-27T14:35:54.245+08:00 ... CoryLogics ...Unknownnoreply@blogger.comBlogger592125tag:blogger.com,1999:blog-3116247406908143536.post-39083634199018641762024-03-22T00:21:00.000+08:002024-03-22T00:21:07.292+08:00Cory Diary : Equity Portfolio Adjustments Amid Market UncertaintyShifting 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 Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-3116247406908143536.post-65097155540065351452024-02-24T09:46:00.001+08:002024-02-24T09:46:25.816+08:00Cory Diary : Net Worth Update and Milestone AchievementsIt'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 Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-3116247406908143536.post-70896717732284905362024-02-19T02:22:00.001+08:002024-02-19T02:22:28.101+08:00Cory Diary : Expense 2023Currently 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 Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-3116247406908143536.post-45175544358190018162024-01-23T15:17:00.007+08:002024-01-23T15:30:01.624+08:00Cory Diary : Cash Flow against Assets InvestmentA 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 Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-3116247406908143536.post-40433840320528362032024-01-15T11:42:00.008+08:002024-01-17T10:20:29.058+08:00Cory Diary : CPF Top-UpLast 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 Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-3116247406908143536.post-4658257849205063002024-01-09T14:30:00.004+08:002024-01-15T11:44:47.675+08:00Cory Diary : Investment RatiosToday 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 meUnknownnoreply@blogger.com0tag:blogger.com,1999:blog-3116247406908143536.post-44571236396246289312024-01-06T17:43:00.002+08:002024-01-06T21:55:55.076+08:00Cory Diary : Year 2023 Net WorthJust 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 Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-3116247406908143536.post-32427240221061759042024-01-04T21:55:00.001+08:002024-01-04T21:55:52.078+08:00Cory Diary : Year 2023 Equity Learning Part 2This 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 Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-3116247406908143536.post-49270001364584540402023-12-31T14:23:00.001+08:002024-01-01T08:20:14.146+08:00Cory Diary : Year 2023 Equity PerformanceThe conclusion of 2023 mirrors my sentiments and hopes – a robust recovery in the market, a realization that the oversold conditions were a consequence of countering high inflation rather than a market bubble. As the Year-on-Year inflation rate recedes, the persistently elevated living costs and prices of goods and services remain, if not escalate.The initial emergence of the year witnessed both Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-3116247406908143536.post-18918133308310862032023-12-21T16:01:00.001+08:002023-12-21T16:01:10.193+08:00Cory Diary : Year 2023 DividendsAs the year comes to a close soon, I believe there is no more Ex-dividend coming to the last weeks. This tells you I am not tracking such coming event anymore. Just managing stocks I am comfortable and through sizing. When we take care of this, the annual dividend will care for themselves.For this year $71,959. This is new record in my dividend journey. The pace has slowed down from my earlier Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-3116247406908143536.post-65868554553661617242023-12-12T15:05:00.006+08:002023-12-12T19:22:24.573+08:00Cory Diary : Investment Plan for 2024, Navigating Through High InflationAs I embark on my annual ritual of crafting an investment plan, the theme for 2024 becomes apparent: the persistent impact of high inflation. In contrast to the pre-COVID era's 1%-3%, we anticipate a sustained period of elevated inflation rates.Acknowledging the inevitability of economic cycles, we must navigate through the highs and lows while thriving amidst higher inflation. The rate hikes areUnknownnoreply@blogger.com0tag:blogger.com,1999:blog-3116247406908143536.post-81214635886963535402023-11-13T09:11:00.004+08:002023-11-13T09:11:42.677+08:00Cory Diary : Putting in a case for Reit todayRate SpikeThe whole issue of Reits share price being impacted for the past 2 years is due to Rate Spike.The volatility can be seen in Cory portfolio ytd P/L below. The ongoing battle between the yay and nay since the rise of the rate in Year 2022. For dividend investor, this is the first time we see significant spike in rate of recent times. Reit contract with different tenants take time to Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-3116247406908143536.post-75158704150379802002023-11-03T23:59:00.005+08:002023-11-04T13:47:24.395+08:00Cory Diary : Netlink BNB Trust H1 FY24 ReviewCurrently, the business growth is peaking and there is no major catalyst. It has a Resilient business model. And a declared 1H DPU of 2.65 cents. A slight increase.Most key question is the DPU sustainable ? If we look at below chart it appears they are paying out slightly more than they earn. The returns probably matches on the expectation of market returns for investing in the company with Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-3116247406908143536.post-24772288151389607892023-10-25T01:31:00.005+08:002023-10-25T01:31:38.835+08:00Cory Diary : Mapletree Log Trust 2Q FY23 ReportDid a quick run through of Mapletree Log Tr reporting. The result is quite strong imo in current high rate environment. DPU Quality seems good. Increase Rev, npi and distribution on the back of higher units.Cost of borrowing low at 2.5% which is quite interesting. With added upside when there is China recovery, this stock gives me a 180 degree turn in perspective from negative view of it.Have Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-3116247406908143536.post-66339993009913084702023-10-11T14:42:00.002+08:002023-10-11T14:42:42.574+08:00Cory Diary : Q3 Dividend UpdatesThis should be quick post. Q3 Dividend update.YTD 58K dividend from Equity. On Total Returns after recent day sell down due to another rate hike fear, XIRR is around 8% plus. Still expecting to finish strong this year despite war erupting between Isreal and Hamas. It may have impact if the escalation hits Iran. I am expecting Isreal to take back control of Gaza quickly and maybe handover to Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-3116247406908143536.post-32324778395744649332023-10-06T10:03:00.004+08:002023-10-07T08:56:04.625+08:00Cory Diary : Review of Current Reits Position in the PortfolioThere are 10 Reits in the portfolio of varying allocation which together take up about 50% allocation today. The current Top 3 Reits allocation are Ascendas, Aims Apac Reit and FCT. The Bottom 3 Reits allocation are Sabana, United HS and Elite Comms.Ascendas Reit - Hold to manage size allocationAims Apac Reit - Hold to manage size allocationFCT - Accumulation stage when opportunity Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-3116247406908143536.post-31543881019257324172023-09-26T09:14:00.000+08:002023-09-26T09:14:31.505+08:00Cory Diary : Expensive VenturesWhen embarking on our investment journey, we often experience moments of elation, whether from impressive returns on investments, a bolstered savings rate, or an unexpected inheritance. It's during these times that we may be tempted to dive into new ventures that could potentially be wasteful. In this article, we'll explore a few common pitfalls to avoid as you navigate your investment path.1. Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-3116247406908143536.post-49913233457544420022023-09-02T18:03:00.006+08:002023-09-02T18:20:21.551+08:00Cory Diary : Portfolio of Mainly Reits and Banks YTD Performance '23Reits in the PortfolioInvesting in Real Estate Investment Trusts (REITs) can be a lucrative endeavor, but it comes with its unique challenges. In this article, we will explore the dynamics of REITs in investment portfolios and address common misconceptions.Understanding REIT Vulnerability to Rate Hikes:REITs, like any other investment, are influenced by market forces, including interest rate Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-3116247406908143536.post-24082031080961676162023-08-28T08:54:00.003+08:002023-08-28T08:54:35.848+08:00Cory Diary : Net Worth Tracking 2023-08The longest 16 months. Net Worth has stayed flattest ever in Current High Inflation Environment. However, the losses in Equity market of last year is likely behind us, so far. Touchwood ! In this article I documented what I do so far that affects my Net Worth trend currently.T-BillsWhat I did is to continue be vested in market while expanding allocation in T-Bills and SSB during this flatten Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-3116247406908143536.post-64029534131729033902023-08-11T08:55:00.003+08:002023-08-11T08:57:32.922+08:00Cory Diary : Compounding with Dividend InvestingOften the advise is to let you children invest as early as possible. But no one teaches us how to do it for them properly. The problem compounded when we based on investment on our own ability or disability.Chance n this episode from - Our Rich Journey video - SECRET Revealed! Sisters Turn $16,000 to $65,000 in Stocks! Millionaire Family's Money Talk Exposed!Thought this is quite amazing Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-3116247406908143536.post-44533134418668198612023-07-31T12:20:00.006+08:002023-07-31T12:27:46.521+08:00Cory Diary : Mapletree Log Trust ReviewThis post will be a start of my quick review on each Reit stock I am holding for this earning season results. The intent is to be my notes.1QFY23FIRST QUARTER ENDED 30 JUNE 2023YoY 3.1% reduction in NPI reflecting in YoY 13.4% increase in borrowing cost and foreign exchange. Into the mix is host of forex considerations and financial derivatives between the YoY comparison including perp, tax Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-3116247406908143536.post-69961703319310676072023-07-24T13:18:00.002+08:002023-07-26T01:58:10.805+08:00Cory Diary : Reflections on the US Market and Singapore InvestmentsUS Market ( Nasdaq )In recent times, the US market, specifically Nasdaq, seems to have completed a significant run-up. Despite Tesla showing decent growth results, it experienced a correction on the second day. This reminds us that the market will always find a reason to sell. Microsoft also followed suit with lower volatility. Looking at the three-year performance of just these two US stocks, itUnknownnoreply@blogger.com0tag:blogger.com,1999:blog-3116247406908143536.post-87215049177952857252023-07-17T10:10:00.002+08:002023-07-17T10:10:58.865+08:00Cory Diary : Managing Volatility EmotionManaging EmotionEmotions can have a detrimental effect on average investors who have worked hard to build up their portfolios over a lifetime. These investors typically have a monthly income ranging from $4,000 to $6,000. Through frugality, investments, and perhaps even inheritance, they may have accumulated a million-dollar portfolio after 30 years of employment.However, when the global Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-3116247406908143536.post-87067547649413985902023-07-01T16:58:00.001+08:002023-07-03T02:20:49.531+08:00Cory Diary : 1st Half 2023 DividendAs we reach the halfway point of 2023, it's time to assess our dividend performance. Over the past few months, we have seen several REITs issuing private placements or rights issues, which has resulted in some of the REIT dividends being pulled into the first half of the year. Consequently, we can expect a lower score in the second half.Note : Duel Scale ChartDespite this, the overall dividend Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-3116247406908143536.post-6701081501122933582023-06-14T12:16:00.002+08:002023-06-14T12:17:48.271+08:00Cory Diary : Quick Snap on YTD Equity Returns 2023The year 2023 has been an interesting time for my investments, with a focus on FD likes, SSB and T-Bills while neglecting CPF. In light of the challenges faced by dividend stock investors last year, I have been diligently monitoring my returns this year. Personally, I believe that diversification remains crucial for long-term success, as it allows for a stable portfolio that helps me maintain a Unknownnoreply@blogger.com0