Saturday 30 December 2017

10 Years of Investing Result

Times really fly fast now we are going for year 2018 and I wish everyone the best luck in 2018 in your career, investing and life :)

I has been investing more than 10 years as a noob and start to track my return 10 years ago and i don't really track my real capital then.

There has been years where I am totally sleeping not bothering the stock investment and only in year 2014 I start more paying attention and dig deeper into stock.

For year 2017,
I have achieved the target profit of $26000 that I set last  years here (I don't differentiate trading and dividend income, just lump into one since profit is profit).

I have made few mistakes like RHT Trust where I added a few lots for quick return due to news and now I am sitting at lost for now. I sold KeppelDC Reit for quick profit and intend to buy back on lower price and the boats never come back.

All thanks for my adrenaline T.T and due to RHT case, I start to keep my financial diaries mistakes to remind me - I hope it will be useful for me.

There is nothing much change in term of the capital I invested as I sold some REIT and switch to another REIT

I am setting aside and start to increase my war-chest in the case Great Sale is coming as the market has been getting higher and higher.

For year 2018, 
My target will be $28000, I am not sure if i will achieve this as my current portfolio does not yield that amount in term of dividend and it will be pretty much on the market if I will have opportunity to add more in order to achieved it.

With the market is getting higher, I am in doubt I will achieve the target but we shall see in 1 year to come.

Even we set long term goal, how much we can achieve is also depend on the market and if we can see any opportunity in-front of us. I shouldn't buy stock just for the purpose to achieve my target. The stock should meet my criteria, otherwise I would rather fail to achieve my target rather than lose money.

For my brick and mortar investment, I have set sufficient enough money to pay the loan and I will be on the comfortable side to pay off the remaining loan.


The chart below show the profit I have for the last 10 years
My current portfolio as end of 2017


Stock Name Allocation
First REIT 48%
Frasers logistics and Industrial 18%
Religare Health Trust (RHT) 14%
IReit Global 5%
EC World 5%
AIMS AMP Capital Industrial REIT 3%
CapitaLand Retail China Trust 3%
Mapletree Greater China Trust 3%
Fortune REIT 2%


Thanks for reading, any input are welcome :)

Wednesday 20 December 2017

CPF Retirement Sum Topping-Up Scheme - Thing I need to be aware

The Tax Relief  Leveraging on CPF (As per 19 Dec 2017)

Year end is coming and hence I am looking how to reduce my tax. I have been searching ways how to reduce my tax and dig further about CPF Retirement Sum Top Up Scheme which I found below and I am not aware before.

Key Note is CPF Retirement Sum Top Up is not a guarantee for Tax Relief as there is a few conditions specified
1. You must not hit the FRS.
2. If you top up your loved one, he or she should not have income exceeding $4000
3. You must not hit $80,000 personal income tax relief.

So for those who use the scheme as a mean for income tax relief please take note else, encourage you to top up for your retirement :)

Another side of thought is if we transfer our OA to SA, this is a good thing to earn more Interest but indirectly we will also increase our SA to reach the FRS faster.

I guess all boiled down to our objectives.

Quoted from CPF Website , link here 

Top Up For My Self

only cash top-ups within the following caps will be eligible for tax relief:
Recipient below age 55 Current FRS less the sum of Special Account (SA) savings and net SA savings withdrawn under CPF Investment Scheme for investments that have not been completely disposed of.
Recipient age 55 and above Current FRS^ less Retirement Account (RA) savings


The cap is based on current FRS, rather than the Enhanced Retirement Sum (ERS), to keep tax benefits focused on supporting basic retirement needs. Cash top-ups beyond the above caps will not be eligible for tax relief.

Personal income tax relief cap of $80,000, which will apply from Year of Assessment 2018. This cap applies to the total amount of all tax reliefs claimed, including any relief on cash top-ups made under the Retirement Sum Topping-Up Scheme, made on or after 1 Jan 2017.
  • Which mean if I already hit the personal income tax relief, I will not be entitled for tax relief

To My Loves One

On top of the condition above, below condition are apply as well

To qualify for tax relief for cash top-ups made to your spouse's/siblings' CPF accounts, your spouse/siblings must meet either of the following conditions:

a. Income (e.g. salary or tax exempt income such as bank interest, dividends and pension) not exceeding $4,000 in the year preceding the year of top-up*; or

b. Handicapped**.

*"Income" of a person would include income from all sources, such as tax exempt income (e.g. bank interest, dividend and pension) and foreign-sourced income remitted into Singapore. Hence investment income/rental income/directorship income etc, are considered to be income of a person.

** A handicapped person is one who has been incapacitated mentally or physically. Some examples are visual-impairment, loss of hearing, loss of limb and dementia.

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