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  Portfolio Name: Retire at 45 (91734 views)       Category: 40s

Portfolio Owner: ghchua

ghchua's Public Profile
Gender: Male
Occupation: Engineering
Risk Appetite: Aggressive

After about 5 years of investment experience, I've realised that nobody cares about your own financial future except yourself. Therefore, I've decided to take a more active role in my own investment portfolio management. My funds are mostly invested in shares as I felt that the long term return of direct shares investment is still the best bet. The compounded return of dividends being re-invested is one of the best things in stock investment. Furthermore, one can enjoy potential gains from bonus shares where companies issue more shares to you if you hold them for long term.

I am a DIY guy with a focused aim of prudent investing for retirement planning. I do not have any financial advisor currently and I intend to rely on myself and do my own research. I bought funds from online portals like FSM as they are cheaper and more cost-effective. For shares investment, I use online portals from brokerages as they offer lower commision charges.

ghchua's Investment Philosophy
After putting up my portfolio here for about 3 years, its time for me to type something new here :)

Bascially, my investment philosophy is still the same - Retire at 45, but now with some revamp of the portfolio.

I've decided to sell off all my ILPs, including AXA EPGP fund which expires next year. Having to incur 1% early withdrawal charge is a pain in the neck, but I guess I've learnt an important investment lesson - Guaranteed/Protected funds have no place in anybody's portfolio.

ILP seems to be a raw deal when it comes to UT investing as their performance doesn't seem to be on par with normal unit trusts.

I prefer direct shares investment and therefore only one funds here are invested using cash - UOB GEMs. UOB GEMs is not available for CPF Investment. Note: I've sold off all my holdings in DBS Shenton Income recently.

29/12/2006: I have also sold off UOB GEMS, my last UT investment using cash. The UT portfolio below is now a pure CPF Investment portfolio.

Also, I've utilized my CPF-SA funds to purchase 3 balanced funds, AIG Acorns of Asia, Pru Asia Balanced and FT Global Balanced.

The rest of the portfolio are invested using CPF OA monies since one could not utilize 65% of CPF OA funds for direct share investment. The recent correction in global equity markets had allowed me an opportunity to switch some monies out of Deutsche Lion Bond Fund and the proceeds had been re-invested into a few equity funds.

Pending Dividend (To be Allocated)
None

My Stock Investment Portfolio: http://ghchua.blogspot.com  

Name of Fund Amount Invested (SGD) No. of Units Price Bought(SGD) Latest Bid Price Current Value (SGD) Profit (SGD) Profit (%)
AIGIF Acorns of Asia Balanced Fund
6,720.54
3,807.0400
1.62000
SGD2.96800
11,299.29
4,578.75
68.13
Aberdeen Asian Smaller Cos
12,065.00
7,168.8420
1.47600
SGD2.11120
15,134.86
3,069.86
25.44
Aberdeen Global Emerging Markets
17,310.00
9,423.4300
1.75800
SGD2.25120
21,214.03
3,904.03
22.55
Aberdeen Indonesia Eqty
1,880.00
1,109.4000
1.51400
SGD5.48300
6,082.84
4,202.84
223.56
DBS Japan Growth
12,400.00
14,442.4000
0.94700
SGD1.19500
17,258.67
4,858.67
39.18
DBS Shenton Asia Pacific
5,350.00
5,485.9900
0.86300
SGD1.32200
7,252.48
1,902.48
35.56
DBS Shenton Dynamic Bond
5,167.24
4,399.4300
1.41300
SGD0.83100
3,655.93
-1,511.31
-29.25
DBS Shenton Glb Opportunities
8,160.00
10,222.6200
0.65900
SGD1.24100
12,686.27
4,526.27
55.47
DBS Shenton Thrift
6,480.00
5,308.0300
2.12700
SGD2.26100
12,001.46
5,521.46
85.21
FTIF-Templeton Glb Bal Fd AS (acc) SGD - CPF
3,000.00
382.8460
10.14000
SGD10.90000
4,173.02
1,173.02
39.10
Henderson European Prop Sec
1,500.00
803.5700
1.82000
SGD3.01220
2,420.51
920.51
61.37
Infinity European Stock Index
4,785.00
5,162.3000
0.85400
SGD1.29000
6,659.37
1,874.37
39.17
Infinity US 500 Stock Index
6,010.00
7,477.7400
0.78900
SGD1.45300
10,865.16
4,855.16
80.78
LionGlobal Short Duration Bond Fund
2,040.00
1,710.6500
1.29800
SGD1.64880
2,820.52
780.52
38.26
OCBC India
1,500.00
2,717.5400
1.04500
SGD1.47800
4,016.52
2,516.52
167.77
OCBC Savers Korea
2,000.00
3,225.0700
1.77800
SGD1.17800
3,799.13
1,799.13
89.96
OCBC Savers Malaysia
2,675.00
2,266.3300
1.19200
SGD1.95500
4,430.68
1,755.68
65.63
OCBC Savers Thailand
4,020.00
2,225.6600
1.69800
SGD3.72800
8,297.26
4,277.26
106.40
OCBC Taiwan
3,210.00
6,760.8400
0.43400
SGD0.72400
4,894.85
1,684.85
52.49
PRU Asian Balanced Fund
7,744.12
5,472.0740
1.17000
SGD2.11500
11,573.44
3,829.32
49.45
Schroder Global Em Mkt Opps Fund SGD
1,500.00
1,806.1800
0.96700
SGD1.02800
1,856.75
356.75
23.78
Schroder Singapore Trust
8,550.00
13,511.9700
0.98000
SGD1.57400
21,267.84
12,717.84
148.75
UOB United International Growth Fund
8,750.00
4,751.1000
1.68800
SGD2.43100
11,549.92
2,799.92
32.00
Total 132,816.90   205,210.79 72,393.89 54.51

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