Yeh's Portfolio

[Belg]

again, i dun have 500k portfolio.
i calculate and calculate, at most 230k

well. but i still have 50% cash. this one can use for investment.
then some FD + NTUC growth fund+cpf - use to settle HDB loan.

Yeh,

I have been following your post today and I must say we are in a very good forum with lots of good valuebuddies.

With regards to HDB loan, I would use cpf to pay out and if possible, generate some positive cash returns back by renting out some rooms. It might not sound like a good idea at first but I have been hearing rentals up to 2.8k per mth for whole 4rms hdb in the west. Condos rental is near 3k+ and that's how good hdb rental is. One can quite easily break even after 100 months of rental..etc.

To each his/her own, all values buddies are here to create value. Be it being the next warren Buffett or would it be being simple to be happy throughout this life journey.

condo for own stay. HDB for renting out.
anyway my MOP is till 2015, now also can not buy / sublet

Sounds good, u have the right mix cause hdb rental is good.
Invest and prosper.

well, my plan only.
if property market still so hot, price is still sky price.
i may use all the money to buy shares.

Yea lo, stocks are always better since it is less capital intensive than property. Then again some people has the Midas touch to buy property.

Good news to you, there might be slight correction coming up soon if China's economy is cooling off with all those defaults coming up. Nobody can sustain a property bubble.

Do note the 1 million dollar bishan flat happened before in the late 90s and those people who bought then, haven't break even yet.

Invest and prosper.

[corydorus]

Nothing wrong to keep cash level high when you have "Nothing Good" to invest. Is better than facing capital loss or worst deepen your loss feeding into expenses and commissions.

[yeh]

btw, today my friend just sharing info about physical silver bar.
i am thinking to buy 5000 to keep.
anybody here collect gold coin/silver coin/gold bar??

last weekend there was a con fair at mbs, did u go take a look?
I prefer to keep chocolate bars..yummy

what con fair. i dunno leh.

[Belg]

Nothing wrong to keep cash level high when you have "Nothing Good" to invest. Is better than facing capital loss or worst deepen your loss feeding into expenses and commissions.

I concur, there are lots of people out there full in cash or 90% cash waiting for the cheap sales they foresee when FED pulled the plug. You can imagine the disappointment when the market has priced in that slow reduction of hot money.

Also, lots of people have sold out their houses and renting since couple of years ago. They are all waiting for the bubble to burst and rush in to buy.

[yeh]

Nothing wrong to keep cash level high when you have "Nothing Good" to invest. Is better than facing capital loss or worst deepen your loss feeding into expenses and commissions.

sti 3200 and my broker keep asking me to sell some.
i do not feel like selling anything at all.
and also do not feel like to buy anything.

[yawnyawn]

Nothing wrong to keep cash level high when you have "Nothing Good" to invest. Is better than facing capital loss or worst deepen your loss feeding into expenses and commissions.

sti 3200 and my broker keep asking me to sell some.
i do not feel like selling anything at all.
and also do not feel like to buy anything.

Since you are only 50% vested in bonds and equities, you should really question your broker on the reasons to reduce exposure to equities/bonds.

You should request a meetup with him/her to discuss more in depth about your portfolio allocation's strategies based on your investment's objectives. A good broker should give good advices and at the same time educate their clients on investing.

[corydorus]

Nothing wrong to keep cash level high when you have "Nothing Good" to invest. Is better than facing capital loss or worst deepen your loss feeding into expenses and commissions.

sti 3200 and my broker keep asking me to sell some.
i do not feel like selling anything at all.
and also do not feel like to buy anything.

Since you are only 50% vested in bonds and equities, you should really question your broker on the reasons to reduce exposure to equities/bonds.

You should request a meetup with him/her to discuss more in depth about your portfolio allocation's strategies based on your investment's objectives. A good broker should give good advices and at the same time educate their clients on investing.

I think the reason is within oneself. Some people will never invest more than 50%. Some people can throw everything and snore. One of the worst thing in investment is the loss of self confidence.

[yeh]

Nothing wrong to keep cash level high when you have "Nothing Good" to invest. Is better than facing capital loss or worst deepen your loss feeding into expenses and commissions.

sti 3200 and my broker keep asking me to sell some.
i do not feel like selling anything at all.
and also do not feel like to buy anything.

Since you are only 50% vested in bonds and equities, you should really question your broker on the reasons to reduce exposure to equities/bonds.

You should request a meetup with him/her to discuss more in depth about your portfolio allocation's strategies based on your investment's objectives. A good broker should give good advices and at the same time educate their clients on investing.

I think the reason is within oneself. Some people will never invest more than 50%. Some people can throw everything and snore. One of the worst thing in investment is the loss of self confidence.

well, firstly i buy those share, must be the share i am comfortable with.
if you notice carefully my shares. some are quite defensive.

[pianist]

why didn't u venture into overseas stock markets? and I guess both u & hubby's networth (net of the two propertys' debts) has crossed the 1mio mark some years ago?

[yawnyawn]

Nothing wrong to keep cash level high when you have "Nothing Good" to invest. Is better than facing capital loss or worst deepen your loss feeding into expenses and commissions.

sti 3200 and my broker keep asking me to sell some.
i do not feel like selling anything at all.
and also do not feel like to buy anything.

Since you are only 50% vested in bonds and equities, you should really question your broker on the reasons to reduce exposure to equities/bonds.

You should request a meetup with him/her to discuss more in depth about your portfolio allocation's strategies based on your investment's objectives. A good broker should give good advices and at the same time educate their clients on investing.

I think the reason is within oneself. Some people will never invest more than 50%. Some people can throw everything and snore. One of the worst thing in investment is the loss of self confidence.

well, firstly i buy those share, must be the share i am comfortable with.
if you notice carefully my shares. some are quite defensive.

I do not think your portfolio consists of many defensive stocks, with the exception of Singtel and ST Engg.

Defensive stocks usually lie in the sectors of utilities, healthcare, non-durable goods etc which have stable earnings even in a recession since these services are needed irregardless of the performance of the economy.