Cory Diary : Q1'25 Equity Performance

Quarterly performance review is not something i do often nowsaday. There usually needs to be motivation behind. We end the week with large volatility in the US stock Market. Big Tech got hit pretty bad and it could be a good thing considered the valuation is rich. Where there are low valuation out there, in a rich market under correction mode, everything typically get pulled down.

To cut the story short, Tariff War has been going on dragging the market into uncertainty and this result the market pulling back largely. In my opinion, I don't really agree to the opinion that it will be self-inflicted damage on inflation else the other countries won't be retaliating. When import from a country gets expensive, consumer will look for cheaper alternative. And this will be reduced demand for goods from tariffed country. So the impact is definitely large on them. Unless there is specific goods or services that has monopoly which most are essentials by America such as Netflix, Google, MS Office, Windows etc. Ofcourse this are't physical stuffs that can be tariffed.  This left with item like food, automobiles, commodities and this are areas which I think is what Trump wants. To bring back manufacturing through balance trade.

For Q1 my performance like last year has seen early deep dive and then recovery. Whether it will be strong later is yet to be seen. While the US exposure is relatively small and investing in Treasury helps some in understanding the market situation better, the tariffs reduces the sentiment to reduce rate cut quickly. This can also be seen on the rising Gold prices as safe haven. Interestingly, we don't see much strength in USD.

There is also no renew AI story interest to push the market forward this time after Deepseek saga. It looks the market has finally encountered too much headwinds. The macro situation looks like high rate is here to stay for a while and we shall act accordingly to our plan. Meantime, Warchest is something to watch for me.

Cory Diary

2025-0329

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Disclaimer: 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 should take full responsibility for their choices.

 

Cory Diary : Applying Stock Trends to Expenses

In retirement phase, there is no active income. We can well manage our portoflio to grow our passive income. However, this aren't useful if expense is not kept in-check. Often we hear about trailing or leading 12 months performance of a stock. What-if we are apply this with our expenses.

From above Chart, we got an interesting trends early on what's our expenses be like on annual basis on monthly data collected. What is more shocking to me is when i try to get the average increase on this YOY trend. The answer is 12.4% ! The last 2 months on YoY expenses is coming down. Hope it stays there.

This Chart is more interesting. Even with expense curbed, it is still at high. Just slower climb. And this remind us the similar story we see in inflation data. The only way for inflation to come down is recession. Fortunately, for expenses we just have to cut. Austerity Measure ...

Cory Diary

2025-0323

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Disclaimer: 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 should take full responsibility for their choices.

Cory Diary : Term Policies - Insurance Series

In my earlier article ( here ), I mentioned a return policy that refunded a sizable amount of money after more than 27 years. This cash has become handy now as I can deploy it as part of my overall passive income or for emergency needs. Additionally, the insurance element was minimal, and surrendering it has reduced my monthly payment outflow.

Portfolio Growth

Over the next 10 years, I aim to see growth in my equity portfolio, which primarily focuses on dividends. As I approached age 55, one of my key concerns that could derail this plan—aside from investment risks—is my health that requires substantial money. While I currently do not have any significant health issues I need insurance to manage this risk. Unforeseen events such as death could still impact my family's financial stability. However, this would not place a heavy burden on my net worth.

Term Insurance ( No Saving Element )

Since my children are still young and my partner is not yet well-versed in managing investments, my family may not be ready to handle the portfolio independently for the next few years. To address this, I plan to secure insurance that can help defray medical costs. Fortunately, I do not have any major health conditions that would prevent me from obtaining new policies. Recently, I secured two additional term policies: one focused on critical illness coverage until age 85 and another offering more comprehensive coverage for a limited period (customized to age 70). While term life insurance is not cheap at my age, buying early could have helped reduce costs. However, considering total expenses and priorities earlier in life—such as life insurance and housing—I believe it was a reasonable trade-off.

Next ...

Next, I need to list all my insurance policies and simplify their details so that my partner can manage them easily if something happens to me. Frankly, there are quite a few details about my older insurance policies that I only recently learned myself. Many of these policies are managed through CPF deductions, which are beneficial but somewhat unfamiliar to me. Especially those private Insurances that deduct using CPF funds.

Wish

My wish is for CPF to make the process even more seamless by enabling better insurance nominations and offering customized individual benefits details within CPF, and monitor/claims through CPF instead of doing on our own, with the private insurance. In the past, I lacked the time or inclination to address these matters; however, now that I am retired, I have started working on them. This task is already halfway done.

A Sharing of My Learning Journey... please dyodd.

Cory Diary

2025-0316

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Disclaimer: 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 should take full responsibility for their choices.

Cory Diary : Income Streams 2025 Plan

Most family has limited fund to invest to generate enough income streams to cover annual expenses for retirement. Unless we are born with silver-spoon we cannot afford to park all our fund into low yield returns. 

There needs to strike a balance betweem various insruments, dividend investing and probably growth stocks to seek much larger return to cover needed expenses vs risk. Even with that there likely be situation some may still need to work part-time to supplement better lifestyle.

Cory Diary

2025-0302

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Disclaimer: 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 should take full responsibility for their choices.

Cory Diary : Performance Mar 25

Shocks be-fitting President Trump Style. Argument in Oval Office. What cannot happen ? It looks to me President Zelensky got triggered by Vance comment which precipitated into verbal hostilities.

These people are not sensitive of their words at all. I want to give a Pass to Zelensky. Many Ukrainians killed. Do we have to belittle other country in serious trouble especially to an ally in-front of entire world ? They aren't sinccere in helping Ukraine at all. What a way to make friends. If this continues, Rule Based Order is Dead and the implication is many. On another perspective, are they acting ? It seems so surreal.

We know Putin aren't enjoying the War either. There are even more Russians killed or maimed. But he can't stopped without "A Win" unless he want to walk the path of Saddam or Gadaffi like most dictator fate. So Putin probably aren't clapping over the Oval Office Saga.

So Feb ended with a downward bang .... 

Thank You Trump and Vance.

Cory Diary

2025-0301

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Disclaimer: 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 should take full responsibility for their choices.