December 2017 Portfolio Update and 2017 Portfolio Performance Summary

I have set up Supplementary Retirement Scheme (SRS) Account with OCBC this month. Like the name suggested, it is a voluntarily supplementary account on top of CPF. Setting up this account was mainly for reducing tax for the financial year of 2018. By using the tax calculator provide by OCBC, I could have pay lesser tax up to $1071 in 2018 with injection of $15300 into the account. Do note that fund is SRS will not be entirely tax free, but more of delayed tax. I shall not elaborate further as information about SRS is widely available online. 

As this $15300 that injected to SRS can be invested, I have included this amount into part of my portfolio. I have in fact bought 10000 shares of AA Reits using this fund at $1.36/share. This current valuation is not extremely cheap but is below its NAV at $1.39 with dividend yield of 9.38%. Since fund in SRS are not supposed to be touch till age of 62 without incurring penalty, I decided to invest it in Reits for the higher dividend return.

Overall portfolio for month of December has increased by $11030 with fresh injection of cash $9855 and capital appreciation of $175. I have also deposited $1000 to stashaway and to date the return is $11 after forex impact. 

December	Starhub	Cash 2672	2.78	4500	2.91	12510	13095	585	63755	Stashaway 3011.24
	Keong Hong		0.485	10000	0.565	4850	5650	800
	Frasers Log		1.085	5000	1.15	5425	5750	325
	Starhill		0.76	10000	0.77	7600	7700	100
	Far East Orchard		1.535	5000	1.5	7675	7500	-175
	Comfort Delgro		2.22	2000	1.95	4440	3900	-540
	Duty Free		0.275	14400	0.27	3960	3888	-72
	AIMS AMP		1.36	10000	1.36	13600	13600	0

3 more days to end of 2017. I shall also do a summary of overall performance of my portfolio. I using stockscafe to track my overall portfolio performance. 

By using XIRR

Year	XIRR	Capital Flow
2015	-27.63%	SGD 13,430
2016	-5.20%	SGD -600
2017	17.66%	SGD 44,917
Overall	8.29%	SGD 57,747

By Time-weighted Returns

Year	Portfolio	ES3
2015	-3.05%	0.34%
2016	-6.26%	2.73%
2017	21.04%	21.11%
Overall	10.00%	24.83%

For year 2015 and 2016 I have only 1 equity in my portfolio which is Keppel Corp. Keppel Corp was doing badly for year 2016 due to weakening of oil price and only recently that the counter start to run. I started more actively purchasing and selling shares some where in middle of 2017. So far I am quite glad that my portfolio have stopped losing money and i still able to achieve double digit return in year of 2017. Hopefully return in 2018 will be equally or even better than year of 2017. Wish everyone to have a prosperous year ahead!