My Goals and SG REITs/Stocks Portfolio Update

*Last Updated 27/12/2023: 

This page includes my SG REITs/Stocks Portfolio that is updated periodically. This page tracks my progress in terms of following:

1. Portfolio overview (of vested capital)

2. Simplified Portfolio projections based on age as a rough handle/yardstick.

My aim is to accumulate predominantly good income dividend REITs/ Stocks in the SG market.

As with every goal(s), we need to set realistic, measurable targets.
1. This gives a personal feedback loop
2. A chance to evaluate past actions. (Thought process behind purchase, if not speculative)

We can have all the goals we want, but goals are nothing without ACTION. 
"Swing Hard, just in case we hit it."

Annual dividends collected since inception

(Note: Manual calculation may slightly differ from Stockscafe)

Year (31 Dec)	Annual Dividend	Cumulative
2018	$513.25	$513.25
2019	$815.30	$1,328.55
2020	$916.05	$2,244.60
2021	$1,481.79	$3,726.40
2022	$2,028.56	$5,754.95
2023	$2,077.75	$7,832.70

https://stocks.cafe/user/tosignup?referral_code=30yearoldinvestor

Investment statistics according to StocksCafe (only vested capital): Inception 19/2/2018.

OVERVIEW

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PROJECTIONS (since inception):
(conservative and simplified)

Short Term Goal 2-3 years
Wedding/Housing Fund Target: (approx. $800 per month min.)

Wedding Fund		$800/mth
Year	Year Start Value	Target Value	Actual Value
2020	$20,000	$29,600	29600
2021	$29,600	$39,200	39200
2022	$39,200	$50,000	$50,000
			Achieved

Long Term Goal

Road to Financial Independence
PROJECTION					ACTUAL FIGURES
Year	Age	Portfolio Projected 2%/yr	Current capital injection Rate/yr	Estimated Dividend 3%	Actual Portfolio value at end of yr	Actual Capital Injection/yr	Actual Dividends
2018	31	$12,000.00	$12,000.00	$360.00	$15,941.59	$16,928.40	$513.25
2019	32	$24,600.00	$12,000.00	$738.00	$42,318.06	$23,670.94	$815.30
2020	33	$37,830.00	$12,000.00	$1,134.90	$73,116.93 (Set aside $29,600 for wedding by end 2020) Therefore actual = $43,516.93	$27,272.78	$916.05
2021	34	$51,721.50	$12,000.00	$1,551.65	$79,694.64 (Set aside $39,200 for wedding by end 2021)	$4,288.83	$1,481.79
2022	35	$66,307.58	$12,000.00	$1,989.23	$79,428.16 (Set aside $50,000 for wedding by end 2022)	-$266.48	$2,028.56
2023	36	$81,622.95	$12,000.00	$2,448.69	$102,676.20	$5,226.38	$2,077.75
2024	37	$97,704.10	$12,000.00	$2,931.12
2025	38	$114,589.31	$12,000.00	$3,437.68
2026	39	$132,318.77	$12,000.00	$3,969.56
2027	40	$150,934.71	$12,000.00	$4,528.04
2028	41	$170,481.45	$12,000.00	$5,114.44
2029	42	$191,005.52	$12,000.00	$5,730.17
2030	43	$212,555.79	$12,000.00	$6,376.67
2031	44	$235,183.58	$12,000.00	$7,055.51
2032	45	$258,942.76	$12,000.00	$7,768.28
2033	46	$283,889.90	$12,000.00	$8,516.70
2034	47	$310,084.40	$12,000.00	$9,302.53
2035	48	$337,588.62	$12,000.00	$10,127.66
2036	49	$366,468.05	$12,000.00	$10,994.04
2037	50	$396,791.45	$12,000.00	$11,903.74
2038	51	$428,631.02	$12,000.00	$12,858.93
2039	52	$462,062.57	$12,000.00	$13,861.88
2040	53	$497,165.70	$12,000.00	$14,914.97
2041	54	$534,023.99	$12,000.00	$16,020.72
2042	55	$572,725.19	$12,000.00	$17,181.76
2043	56	$613,361.45	$12,000.00	$18,400.84
2044	57	$656,029.52	$12,000.00	$19,680.89
2045	58	$700,830.99	$12,000.00	$21,024.93
2046	59	$747,872.54	$12,000.00	$22,436.18
2047	60	$797,266.17	$12,000.00	$23,917.99
2048	61	$849,129.48	$12,000.00	$25,473.88
Total		$849,129.48	$372,000.00	$311,751.57

Based on conservative and simplified projections:

- Assuming I manage to save only $1,000 per month,
- With no salary growth whatsoever
- Portfolio has to gain overall 6% per year
- Dividends reinvested
- Retiring for $2k/month (expected to reach by age 60)

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OLDER UPDATES:

UPDATE: 20th March 2020 (Shifted to stockcafe after this point)

	Stock name	Code	Entry price	Shares	Price	% Allocation	Type
1	FCOT	ND8U	1.4674	1000	1467.37	3.29	Base
2	FLT	BUOU	1.0712	2500	2677.88	6.01	Base
3	Singtel	Z74	3.3182	1000	3318.16	7.45	Base
4	APTT	S7OU	0.1631	10000	1631.4	3.66	Base
5	Vicom	V01	6.0340	500	3016.99	6.77	Base
6	SSB	Just for reference	1.0000	2000	2002	4.49	Base
7
8	Aims	O5RU	1.3800	3000	4152.48	9.32	Base
9	Cash				$26,289.63*	59.00	Cash
				Total Amount	$44,555.91	100.00

- Portfolio value $41,113.09 (Dropped from Jan's $42,318.06.)
- $20,000 earmarked for wedding/housing fund. (expect my portfolio to take a hit)

Short Term Goal 2-3 years
Wedding/Housing Fund Target: (approx. $800 per month min.)

Year	Year Start Value	Target Value	Actual Value
2020	$20,000	$29,600	$29,600
2021	$29,600	$39,200
2022	$39,200	$48,800

UPDATE: 8th January 2020

	Stock name	Code	Entry price	Shares	Price	% Allocation	Type
1	FCOT	ND8U	1.4674	1000	1467.37	3.61	Base
2	FLT	BUOU	1.0712	2500	2677.88	6.60	Base
3	Singtel	Z74	3.3182	1000	3318.16	8.17	Base
4	APTT	S7OU	0.1631	10000	1631.4	4.02	Base
5	Vicom	V01	6.0340	500	3016.99	7.43	Base
6	SSB	Just for reference	1.0000	2000	2002	4.93	Base
7
8	Aims	O5RU	1.3800	3000	4152.48	10.23	Base
9	Cash				$22,333.06*	55.01	Cash
				Total Amount	$40,599.34	100.00

- Portfolio value $42,318.06.
- $20,000 earmarked for wedding/housing fund. (expect my portfolio to take a hit)

Short Term Goal 2-3 years
Wedding/Housing Fund Target: (approx. $800 per month min.)

Year	Year Start Value	Target Value	Actual Value
2020	$20,000	$29,600
2021	$29,600	$39,200
2022	$39,200	$48,800

UPDATE: 28th November 2019

	Stock name	Code	Entry price	Shares	Price	% Allocation	Type
1	FCOT	ND8U	1.4674	1000	1467.37	4.13	Base
2	FLT	BUOU	1.0712	2500	2677.88	7.53	Base
3	Singtel	Z74	3.3182	1000	3318.16	9.33	Base
4	APTT	S7OU	0.1631	10000	1631.4	4.59	Base
5	Vicom	V01	6.0340	500	3016.99	8.48	Base
6	SSB	Just for reference	1.0000	2000	2002	5.63	Base
7
8	Aims	O5RU	1.3800	3000	4152.48	11.67	Base
9	Cash				$17,301.52	48.64	Cash
				Total Amount	$35,567.80	100.00

- Bought some AIMs reit after its stock price tumbled 6%+ as a result of it selling secondary shares to raise funds for 94m

- Sold Japfa for a small profit (Speculative)

UPDATE: 23rd October 2019

	Stock name	Code	Entry price	Shares	Price	% Allocation	Type
1	FCOT	ND8U	1.4674	1000	1467.37	4.26	Base
2	FLT	BUOU	1.0712	2500	2677.88	7.77	Base
3	Singtel	Z74	3.3182	1000	3318.16	9.63	Base
4	APTT	S7OU	0.1631	10000	1631.4	4.73	Base
5	Vicom	V01	6.0340	500	3016.99	8.75	Base
6	SSB	Just for reference	1.0000	2000	2002	5.81	Base
7	Japfa	UD2	0.5363	10000	5362.99	15.56	Speculative
8	Aims	O5RU	1.3800	3000	4152.48	12.05	Base
9	Cash				$10,841.86	31.45	Cash
				Total Amount	$34,471.13	100.00

- Bought some AIMs reit after its stock price tumbled 6%+ as a result of it selling secondary shares to raise funds for 94m

- Getting stabilised at work but spending slightly more due to being attached.

UPDATE: 30th June 2019

	Stock name	Code	Entry price	Shares	Price	% Allocation	Type
1	FCOT	ND8U	1.4674	1000	1467.37	4.49	Base
2	FLT	BUOU	1.0712	2500	2677.88	8.19	Base
3	Singtel	Z74	3.3182	1000	3318.16	10.15	Base
4	APTT	S7OU	0.1631	10000	1631.4	4.99	Speculative
5	Vicom	V01	6.0340	500	3016.99	9.23	Base
6	SSB	Just for reference	1.0000	2000	2002	6.13	Base
7	Japfa	UD2	0.5363	10000	5362.99	16.41	Speculative
8	Cash				$13,201.24	40.40	Cash
				Total Amount	$32,678.03	100.00

- Initiated a FOMO short term position on Japfa on speculation of ASF.
- Secured a new job
- Got a one time severance fee (not a lot but it counts)


https://30yearoldinvestor.blogspot.com/2019/06/retrenchment-and-25-pay-increase-that-i.html

UPDATE: 10th June 2019

	Stock name	Code	Entry price	Shares	Price	% Allocation	Type
1	FCOT	ND8U	1.4674	1000	1467.37	6.54	Base
2	FLT	BUOU	1.0712	2500	2677.88	11.93	Base
3	Singtel	Z74	3.3182	1000	3318.16	14.78	Base
4	APTT	S7OU	0.1631	10000	1631.4	7.27	Speculative
5	Vicom	V01	6.0340	500	3016.99	13.44	Base
6	SSB	Just for reference	1.0000	2000	2002	8.92	Base
7
8	Cash				$8,330.92	37.12	Cash
				Total Amount	$22,444.72	100.00

- On the defensive due to current situation in retrenchment and job-hunting
- Keeping net cash on the look out for Mr Market to present opportunities.

https://30yearoldinvestor.blogspot.com/2019/06/june-2019-mid-year-review-lessons-in-my.html

UPDATE: 14th April 2019
I broke my own self-imposed time out for a speculative position.

	Stock name	Code	Entry price	Shares	Price	% Allocation	Type
1	FCOT	ND8U	1.4674	1000	1467.37	7.32	Base
2	FLT	BUOU	1.0712	2500	2677.88	13.35	Base
3	Singtel	Z74	3.3182	1000	3318.16	16.55	Base
4	Vicom	V01	6.0340	500	3016.99	15.04	Base
5	SSB	Just for reference	1.0000	2000	2002	9.98	Base
6
7	APTT	S7OU	0.1631	10000	1631.4	8.13	Speculative
8	Cash				$5,940.35	29.62	Cash
				Total Amount	$20,054.15	100.00

UPDATE: 4th April 2019
As discussed on:
https://30yearoldinvestor.blogspot.com/2019/04/im-retrenched-3-things-to-think-about.html,

I am now involuntarily laid-off due to company restructuring/relocation and forced to pause my plans while I job hunt. My positions remain but my portfolio value is now $19,990.35. Around $2k was paid for a skillsfuture course on Safety (Mar 31st post).

UPDATE: 3rd February 2019
As appeared on:
https://30yearoldinvestor.blogspot.com/2019/02/jan-2019-look-back-defensive-stocks-and.html
(click on link to read more on the rationale/thoughts behind the counters)

	Stock name	Code	Entry price	Shares	Price	% Allocation	Type
1	FCOT	ND8U	1.4674	1000	1467.37	7.86	Base
2	FLT	BUOU	1.0712	2500	2677.88	14.34	Base
3	Singtel	Z74	3.3182	1000	3318.16	17.77	Base
4	Vicom	V01	6.0340	500	3016.99	16.15	Base
5	SSB	Just for reference	1.0000	2000	2002	10.72	Base
6	Citic Envirotech	CEE	0.3923	5000	1961.53	10.50	Speculative
7	Cash				4232.35	22.66	Cash
				Total Amount	18676.28	100.00

UPDATE: 21st DECEMBER 2018
As appeared on: https://30yearoldinvestor.blogspot.com/2018/12/2018-year-end-review.html
(click on link to read more on the rationale/thoughts behind the counters)

	Stock name	Code	Entry price	Shares	Price	% Allocation
1	FCOT	ND8U	1.4674	1000	1467.37	8.85
2	FLT	BUOU	1.0712	2500	2677.88	16.15
3	Singtel	Z74	3.3182	1000	3318.16	20.01
4	SSB	just for reference	1.0000	2000	2002	12.07
5
6
7	Cash				7119.56	42.93
				Total Amount	16584.97

*figures do not contain CPF and insurance commitments

Straits Times Index YTD performance: -10.35%

My portfolio performance: -8.99%
Dividends collected YTD: $350.75

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UPDATE: JULY 2018 

My 2018 Goal and objectives:
https://30yearoldinvestor.blogspot.com/2018/02/my-reits-plan-for-year-and-my-first.html
(click on link to read more on the rationale/thoughts behind the counters)

Stock	Units	Entry Price	Market Price	Current value	% allocation
Frasers Commercial Trust	1000	$1.44	$1.44	$1,440.00	14.50
Frasers Logistics and Industrial Trust	2500	$1.06	$1.06	$2,650.00	26.69
Singtel	1000	$3.29	$3.24	$3,240.00	32.63
Cash			$2,500.00	$2,598.33	26.17
Total Portfolio				$9,928.33

Related topics:
1. About K.C. What is my story?
2. My 3Cs to money/investing
3. Why you need to set aside money for savings first

If you like this post, do like like this facebook page as well.
K.C.

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