Cory Diary : Portfolio updates

In summary getting more defensive but also retain some opportunity for growth. Hits 18.7% XIRR YTD. Portfolio Value has increase by roughly 30% YTD. This is quite significant imo. 

Did quite an amount of re-balance to Non-Bank/Non Reit Segment in SGX. So far P/L wise nothing much to shout about except 2026 Ready ... . The key gains of the portfolio still Bank, Reit and US Big Tech in this order. The different segment balance out the random returns. In the year, continues to move up overall.

The challenge today is how to ensure we secure our gains YTD while allowing room for further improvements. There are still some work to do and alot of Fomo going-on which I am trying to contain at the same time.

A surprise in the portfolio is Gold which has risen quite an amount for something that don't give dividend or return. 20% gain for a fomo position this year starting April. I probably take a pause on expanding allocation on the possibility of some re-tracing.

On the bank side, the guess is that DBS will have opportunity though limited but OCBC continues to be impacted more in NIM. Hence, a sizeable reduction in OCBC. Nevertheless, long term they are great asset to hold for my portfolio.

Lastly, the new sparkle in the portfolio is AMD which joins the rank of US stocks. My take is Nvidia valuation is cheap but the earning may not hold up if AMD able to eat their pie and it appears the market is shaping to it. Like my trust in previous DBS CEO, I could say the same for Lisa Su of AMD. As I am reluctant to channel new fresh fund into the US Market, some re-balance is done. So far my track record aren't that great though on this ...

Cory Diary

2025-10-26

CoryLogics Invest Chat - No Coin, No Porn, No Penny

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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 : Net Worth Update

Net Worth

As I just hit 55, CPF FRS is Max. Currently in the process to increasing beyond from idle cash in small step. The amount into ERS is dependent on idle fund availability that I can safely inject as it will be locked for 10 years. Another alternative which I may use is VC3AC. The idea is to ensure some minimum base of monthly income at 65. So alternative is not in the card. 

The big gap in the chart that i deliberately left out is the free cash portion. This doesn't mean I don't care. Getting triple or double returns in equity investment is meaningless if the equity allocation is small relative to your Net Worth. So we need to see things in perspective when someone reported 500% stocks gains when the cost amount is like one month of his salary as an extreme example. What make it even worst is over a decade and not a year. Therefore, Net Worth Tracking will give us a better picture in overall.

So 2 things to remember. Scale and Time.

Cory Diary

2025-10-12

CoryLogics Invest Chat - No Coin, No Porn, No Penny

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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 : Family Expenses update

Have been watching more carefully on transportation expenses. In-addition, food take-aways continue to be managed down. On my partner side which i always assume 15% of what i computed for family expenses are not added. Feel maybe 20% additional is better figure as she spend more on "Luxury" to save time.

Overall, the expense continues to trend down. The average of 5 of trailing 12 months expenses are now around $115k for my family. As mentioned i did not add her expenses and feel is ok since she is still working. 

Short note !

Cory Diary

2025-10-05

CoryLogics Invest Chat - No Coin, No Porn, No Penny

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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.