I received a lump sum critical illness payout in 2020 and, following a consultation with my financial planner, decided to allocate a specific amount of money each month for the next 15 years to my new retirement fund (Fundsmith). My preexisting retirement plan has been redirected to cover my children’s college tuition. With the remaining cash, I expanded my equity portfolio and diversified my stock investments across various sectors and industries.
- Diversified into Energy, Health Care and Utilities sectors.
- Primary focus is on Real Estate due to the standard passive dividends of 5-7%.
- Top four largest stock losses are Frasers Logistics & Commercial Trust (-$1,167), Samudera Shipping Line (-1,715), Riverstone Holdings (-$1,327), and IREIT Global SGD (-$1,023).
- Portfolio yield to market value = (4,062.35 / 87,167.70) x 100 ~ 4.66%
- Market value year 2021 to 2022 = (87,167.70 – 66,981.60) / 66,981.60 x 100 ~ +30.13%
- Dividend earned year 2021 to 2022 = (4,062.35 – 1,592) / 1,592 x 100 ~ +155.17%
The dividend payouts have increased by a significant 155% year over year, thanks to the investment made in the equity portfolio during the Q3 of the previous year. Nevertheless, the joy is diminished by four stocks, which collectively incur an unrealized capital loss of -$2824.60, resulting in a mere performance year.