Showing posts with label 财务之城. Show all posts
Showing posts with label 财务之城. Show all posts

Q1 2012

Closed all my account and prepared the Q1 financial position report.
First Quarter of 2012 has recorded an increment of 15% of my Equity Portfolio.
Its included the CASH pumped in.
Meanwhile,DY is just 0.65% where there are only 3 dividends received.

At the same time,
Fixed price instrument~Amanah Saham Malaysia & 1Malaysia recorded a 100% grow mainly due to subsequent buy in.
manage to push the position back to the previous position.

Total Networth is still in red...
I'm in net debt of RM25k due to 3 study loans.

I believe i will be able to reduce my net debt to around RM10k at the end of this year.
my 2 months bonus definitely will help significantly ^^

living in hometown Tawau Sabah is one of the main factor i can improve my networth.
Average monthly expense will be around 1.5k~1.6k.
hence i will be able to save around RM900 each month^^
most of the meal expenses is cover by home and there is no rental required.
paying utilities and some pocket money to parents..
start paying rm400 to them..
then rm 500 for study loan..
leftover 600-700 for own expenses.

if i'm staying in kl,
average 400-500 in rental,utilities & public transport dy.
meal will use up 700-900..
its around 1.4k dy...
500 for loan repayment and insurance payment will reduce the leftover balance to around 500 only...
repayment to parent will be insufficient if we are trying to save & invest for future^^

i believe i will be able to do will in SABAH...
GOgogo

My portfolio update

having 4 major holdings in 1 portfolio...
2 not doing well due to the cyclical characteristic of its own biz...
and also due to the weak USD...
2 major holding shown 10% losses...

another stay still on its foot even its cost of operating increased due to higher material cost...
net profit also decreased due to the weak USD...

1 showing good result which involve in food industry...

putting order to sell off the S'pore stock...
need cash to pay some fee...
and its the worse performer and having bad biz environment...

in conclusion...
will be more concentrated with 3 major stock...
and quite hard to hit my 2011 target...
a 30k portfolio...

2nd target still possible...
15% grow...
which mean 25k portfolio...
gogogo

Q1 report

current cash holding~2.72%
pumped in extra 650 so far...
heavily invested in EQUITY since i liquidated my fix income portfolio due to some budgeting problem.
**hence i have only 1 portfolio at this moment.

current holding
CCK 20%
Gtronic 20%
Wellcall 35%
FSL 23%
Pantech 2%

plus odd lot of HIRO and HIRO-WA

dividend received so far is RM 438.57
it will be an DY of 2.49%

current return(actual return) is only 0.49%(after including all the new capital)
return without calculating the new capital will be 4.47%
*so far actual return still under perform the market which is around 2.3%

best performer is CCK
while worst performers are...FSL and GTRONIC

GTRONIC is a cyclical stock and its the down trend of the tech industry...
where the book to bill ratio haven't shown a firm rebound yet.

meanwhile FSL didn't not publish a good report in 2010...
where its show a loss...
but overall cash flow still ok and debt has been reduced significantly.
losses is due to the impairment loss of 7mil plus and a vessel operating fee of 5mil
an expense of 13 mil...


current plan will be cutting down some holding in wellcall to overweight into TECH industry...
weaken USD and high rubber price not going to push wellcall...
too much weight in defensive stock...

wait for the best timing to do the adjustment.
will be getting a DY of 7% and above..

My Portfolio~updates

Dividend received so far~RM 287.97
2 more dividend to be received in early of APRIL...
FSL started to provide my portfolio around RM107 per quarter...

current portfolio is kinda under perform which recorded a 5% loss.
mainly due to some ex-date adjustment and setback from the current market shock.

Technology holding recorded the biggest loss...
while 2nd is the FSL trust due to the hike of OIL price...

portfolio's target of 4 digits dividend is kinda sure now...
but a return above 10% still a challenge...

Financial Statement of 2010

still manage to maintain positive net worth of almost a RM500!
debt ratio stood at 97.69% where total Asset still able to pay off all my loan...
loan consist of PTPTN and TARC education loan of a total of RM 20,000

major purchase of the year will be my LapTop!!!
main reason of the purchase is for the UK course which need it to complete my assignments.

liquidated the RM 2,000 fixed income instrument to support the recent year end's expenses...

Investment portfolio recorded a growth of almost 90%!
pumped in a total of 7.5k into the portfolio this year...
ROI of the portfolio this year is 14.99% only...
reconstruction of portfolio in OCT forgo some of the capital gain counter...
Dividend yield of 2010 is 4.03% excluding 2 more accrual dividend payments.

next year will be a challenging year in term of financial achievement...
UK study might require me to liquidate some of my portfolio...
Main aim>> investment portfolio of RM 30k and ROI of 10%
10% return of current portfolio will need me to pump in extra 8k++ to reach the 30k.
still pretty optimistic for this!

Reconstructed 031's portfolio



be more focus and weight more to the dividend stocks...
new capital pumped in and other capital on the way also...
Profit sharing on the extra capital...
a total gain of <5%= 5% profit sharing
while <10% return= 10% profit sharing
then <15% return is 15% profit sharing
additional 5% profit sharing to any additional 5% of total return.

this portfolio is targeted to gain >10% pa...
hope we can manage to keep the 10% pa for more than 30 years ba...

Re-construction of 031 equity portfolio



define your main objective of the portfolio 1st..
then the 2nd goal to archive...

i love to receive dividend...
have already put in some high dividend stock...
but kinda mixed portfolio i have currently...
current portfolio will be able to archive 5% of DY...
my benchmark for high dividend will be above 6.5%(the amanah saham's DY)

after consult one of my experience lecturer,
i decided to re-construct my portfolio to High Dividend portfolio which will provide me a dividend yield of 6.5% and above...
thats mean i will need to forgo some part of the capital appreciation...
but no REIT will include into my portfolio because REITs have little room of price appreciation...
I might construct a REIT portfolio when i'm too old for price appreciation...

the re-construction of the portfolio will require me to dispose my dear CCK due to its low DY~slightly above FD rate of 4.3%...

new selection of 031 High DY portfolio:
1-FSL trust >>shipping investment trust (DY~>10%)
2-Wellcall >>industrial product~rubber hose (DY~>9%)
3-Gtronic >> Tech~chipboard and LED (DY~>5%)exposure to capital gain

watch-list (need to pick 1 or 2 from here)
-PTARAS
-NCB
-REXIT
-Hup Seng
-PetDag

Recent Buy IN

LOCAL ELECTRONICS FIRMS DEVELOPING BRIGHT LED MODULES & TESTERS Work is apace at two Penang-based companies to produce the world's brightest light emitting diode (LED) modules and the next generation of high brightness LED testers.

GLOBETRONICS TECHNOLOGY teamed up with a US-based company to develop the world's brightest LED module in cool white and warm white colour that would be 10 times brighter than the present LED module containing two LED chips with a brightness of over 200 lumens per watt.

GLOBETRONICS CEO, HENG HUCK LEE was reported in STARBIZ on Jun 7, 2010 said that the LED prototypes in cool white and warm white colour would be out in the next six months. Their cost would be about five times more expensive than conventional lighting, compared to the cost of present LED lighting, which is 10% to 15% higher than conventional lighting ...." addint that " .... The challenge is to convert efficiently a high percentage of electricity into light, which will then drive down the cost of lumens per watt ....".


**news on 22 june 2010

ETP of malaysia mentioned green energy~LED light



cash rich with net free cash flow company...
profitable company with current 9-10% margin...
green energy company...
PE of 19 with a DY around 6%
has been adjusted more than 30% from the recent peak...
RSI shown oversold(<30)

i always look for cash rich company with consistent yearly dividend payout...
then awareness of save the world getting hotter...
Malaysia plan to eliminate the normal light bulb and use LED light bulb...
good fundamental and good industry allow me to start putting in $$ into this counter..
holding term~medium-long...
will sell some of the stake to realize some profit at 30% gain and above.

current cash ratio still remain high at 47%!!!
major holdings are CCK and Gtronic.

1st S'pore's dividend

get a call from HLeboking this afternoon.
she ask whether i prefer to receive the dividend or just direct transfer into my trust account.
of cuz direct into my trust account...
it save me some $$ where normally i need to do interbank transfer with rm1.00 charge...

after all the handling fees,
i got rm52.33 for the 1st time...
will be getting dividend every quarter!!

52.33 each quarter will give me a total of RM209.32
where my cost is Rm2018++
so the net dividend yield is 10.37%!!!!
wow...
greater than FD,Amanah saham!!!

will ready to buy i 2nd batch...

Recent Adjustment Made~

Stop Win executed at around 43% gain on my HIRO stack...
reliazed some profit and keeping the other 50% holding to let it grow...
just reliazed that HIRO buy stack in PA resources...this might be the catalyst of its stock price.
but gonna hold HIRO for long term!!

HIRO always buy back its share~got bonus share and can stablelize its share price.
Strong cash holding~stable fundamental,got the ability to give dividend.
car industry~car sales increased,interest rate still in the affordable rate.

Secondly,
performed "average down" in CCK...
sold 10 lots at 0.72 and buy back 15 lots at 0.675 to lower down the cost...

lastly,
sold out the CSCsteel,
get its dividend and didnt see any good catalyst in this industry.
last reason will be intended to hold more cash at this moment to ready for the 2nd attack.
final result,i still lost few bucks in this counter included all the costs.

Gonna wait for the MEDIA's quarter report next month to evaluate this counter.
gonna buy in more dialog during its adjustment period~around RM1.00...

current local portfolio recorded a gain of 14%...
hope i can keep this until the end of the year...

S'pore portfolio still in -ve return due to the transaction cost...
just found out that i will be charged around RM10 for my dividend received from s'pore!!
still finding the best solution to reduce my dividend collection's costs!!!
anyone can help me on this???
hmmm....
any brokerage firm doesn't impose charges on the dividend and charging me low transaction cost??

Speculation of the month~ScomiEn

hit and run of the JULY~succeed!!!
missed the 1st train=1.40 and get in the 2nd train=1.46
manage to sell off today (highest=1.60) also my target price...
gain a total of RM111.08 (contra gain)
a yield of 8%
Not bad ah...


Lastly,
bought in FSL trust (SGX) with an average cost of RM0.9882
Foreign portfolio launched!!!
stock holding of RM2018.40
cash holding of RM981.60
type of portfolio= High Dividend fund
stop win point=a gain of 50%
stop loss point=weaken fundamental of the counter.

Hit & Run of JULY

In the Beautiful Friday morning...
woke up around 9am to photocopy my IC and yum cha + newspaper until around 1030am.
went back to home and check the market movement...
what a lucky day that i wake up early!!!

i saw this counter.....

heard this counter 2 years ago...
well known SCOMI group's company...
increased more than 20% from 1.15 to 1.40 in the early morning!!!

saw the announcement in HLebroking...
same news as below:

can u imagine that???
even with the current rm1.40, we can have a dividend yield of 21%!!!
7 times more than our FD rate!!!
too bad i doubt for a while on that time..
not dare to buy in directly...
so i take some time to have a look on its fundamental...
kinda growth company with kinda lots of debt...
paid 5 cents of dividend every year...
this quarter they pay out special dividend after they sold 1 of their subsidiary company!
so this special dividend wouldn't hurt it's financial position too much.

UNBELIEVABLE....
it's price move up to 1.49 in few minutes!!!
i missed the best price~1.40...
i tried my luck placing order at 1.46(3rd buying queue)
i was in the lucky batch of 1.46 after the missed out the 1st train (1.40)
highest of the day 1.59 and closed at 1.51!!!
get a gain of 3% on Friday itself (included transaction cost)

will let it go once its go up more than 1.60(giving me a return of 8% and above)
not thinking of holding this counter is because of its low cash position and too many stocks in my portfolio dy!!!

i have 6 stocks + ScomiEN in my local portfolio and 1 stock in my foreign portfolio!
not going to expand my local portfolio more than 6 stocks currently...
might do some reallocation or adjustment on the stock pick...

My financial position

having deficit since MAY after i'm getting into the TT's dai lou post...
have to scarify all my time, effort, mind and energy on TT!!!
hence after my last pay check in April,
i have a total of 773.75 cash-flow deficit...
luckily the surplus of April manage to cover the deficit which mean i have no net outflow in this quarter!!

TARC loan released in June and manage to reduce my debt ratio to 85.87!!!
but its just a temporary ratio where it will go back to around 95% after i purchase a LAPTOP in this coming August.


most of the allocation remain the same except the allocation for investment!!
3k from the TARC loan will be allocated into S'pore investment to increase the dividend yield and diversify my portfolio.
1k will remain to local malaysia's market.
other 1k reserve for personal spending.

Investment portfolio~

local~has grew 83.93% compare with the beginning of the 2010.
additional capital pumped in cause the significant increment.

current DY=2.07% (7 months)
Actual investment return=8.54% (7 months)
Target of the year~~~an actual return of 10% and above.

Foreign~ready to launch soon!!!mainly dividend stock and aiming to get an annual DY of 15% and above!!

Fixed income fund~giving a total return of 2.97%(7 months) more interest and dividend coming in.

Fixed Deposit~as the emergency fund!!giving a total return of 0.379%

still more towards the fundamental's investing and mid/long term holding!!
no significant adjustment planned so far!!!

壮大兵力



另外5千兵马已到。
0%利息的兵马!
当然要好好的用啊!

一批兵马将攻击新国,
而另一批兵马就会纳入护城队或是本土攻击队。
还在考虑中。
策略错误会导致很大的亏损哦!

这三个月里,
撤离了2队兵马!
第一队小胜7%。
而第二队撤离了太早~特小胜。
看好时机再攻此二国!!

但是错误攻击了一个小城!!
太冲动了!
已经有死伤了!
有必要会再带兵攻打它城以救出伤兵
此城~小伤!!

短短三个月已把财务之城的人马增加到过万了!!
2009第一目标已达成。
第二目标~总回酬5%!!

次时需要更严厉的看管!!
局面很不简单了!

财务之城的战利品


第一次带回的战利品!!
50人的小兵队!!
这是攻电讯之城的战利品!
这场战还没完哦!
还没要退兵哦!

看情况还会是场很长的战哦!
但应该会瞒顺利的。
STOP LOSS已算好了,
足够的预备兵,
已改良的战略,
攻击对的城!

下来应该会攻击另个国土的城!
攻击目的>>更多的战利品!!
攻击成功就可以把它当成自己的防护部队了。
提供更多兵队守我的财务之城了!

暂时都是好消息!
希望都会是好的多过坏的。
wakakkak

退兵策略


攻击部队出击后,
退兵决定是以10%死伤程度(MovingStopLoss)
这是说,
我只允许10%的小调整!

比如:
RM1.00杀进,退兵点就会是RM0.90!
上到RM1.20时,退兵点就会是RM1.08!
然后又下到1.10时,退兵点就会是之前的退兵点>>RM1.08
退兵点只有上升没有下调!!


前几天实行退兵!
但是这是个错的决定!
退兵点算错了!
最高点是RM2.86,退兵点就会是RM2.58!
算到RM2.89的退兵点>>RM2.61
作出不必要的举动也带来了损失!!
此出兵只成功带回6个子民!
以今天的表现,
应该是26名子民!
少救了很多!
这次的出兵宣布不成功!

**
不许再犯同样的错误了!
数字要算好!
免的有不必要的死伤&损失!

财务之城


一年多前的城堡已达到10千多人民。。。
可惜的是接近3千大兵已战死在战场上!
战败的主要原因>>大将军的下下策!
大将没有好好的护着6千多大兵!
再来一场意外和一些事故的发生。。。
把当年的财务之城剩下4千多人民!!
太失败了!!

2009的财务之城已经再次的建起了!
今年需要建立起当年的人数!!
今天已得到"老爸"的捐款,一千大兵!!

这已把2009财务之城的护城部队提升到五千大兵!!!
然而,今年的主攻部队只是3千多大兵。。。

现在已进攻了!!!

希望他们能打赢多几场战就可以带会更多兵马了。。。
还有10%++的进展就可达成了!
加油!!

今年的大将以可守可攻的方式护着这财务之城。
很有信心不会在重演当年!!