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My Portfolio

Last Updated: 30 April 2021

This page will basically be a simple one-pager which showcases my entire portfolio from various investment vehicles, although most of it would be equities at this stage. I’ve sold most of my unit trust exposures since October 2020 and moved most of funds to either ETF or direct stocks.

I will be attempting to update this page at least once every quarter for Year-to-Date (YTD) Snapshots, as well as retaining historical snapshots (if any) on a yearly basis ending December. In this page I will only be keeping worthy-mentions for the year, so if you’d like a more granular update, be sure to check out my Monthly Updates or Year In Reviews.

In the future, I will also be sharing more details on my investment philosophy as well as methods used to minimise cost of investment, with some lessons learnt of my own.

To track my investment portfolio, I am still using my good ol’ excel which you can get it here for free. Before proceeding further I thought it would be good if I clarified my terminologies to avoid potential confusions or misinterpretations:

Definitions

  • “Sold (Retired) Portfolio”: Fund/Stocks which I have completely sold out (balance = 0 units)
  • “Active (Invested) Portfolio”: Fund/Stocks which I still have stakes (balance > 0 units)
  • “IRR”: Internal Rate of Return – basically annualised rate of an investment’s growth
  • “ROI”: Direct measure of Total Returns (Sales, Dividend, etc.) divided by Total Cost (Purchase Price, Fees, etc.), in percentage
  • “Profit/Loss”: Similar to ROI but expressed in Base Reporting Currency “Ringgit Malaysia” (RM / MYR). Any fund/securities in other currency will be first converted to MYR for reporting purposes.
  • “True Cost”: Total cost spent to acquire the fund/stocks incl. fees, tax, underlying asset cost, etc. Converted to MYR for reporting purposes.
  • “Total Value”: Current Market Value (Qty * Unit Price), then add up all the past year & current year Dividends, and Sales Proceeds of ACTIVE funds (i.e. not Retired yet). Converted to MYR for reporting purposes.
  • “Entrance Value”: Unlike True Cost, Entrance Value factors in realised gain/loss, sales, or dividends into the calculation. Total cost spent to acquire the fund/stocks incl. fees, tax, underlying asset cost, realised losses, etc.; then deduct realised gains or dividends or sales proceed received since launch. Converted to MYR for reporting purposes.
  • “Portfolio Value”: Also known as Market Value. Current Market Value (Qty * Unit Price). Converted to MYR for reporting purposes. Basically what I will get if I liquidate everything TODAY.
  • “Nett Dividend (Year)”: Total Dividends received during (Year) for ACTIVE funds (i.e. not Retired yet) net of fees. Converted to MYR for reporting purposes.
  • “Google Sheets”: Most listings will be done in Transactional (Tx.) Currency (USD, HKD, MYR, …) to avoid currency confusions. Those that are converted will indicate so (Base Currency / Reporting Currency)

Snapshot as of April 2021

New year, new start!

Sold (Retired) Portfolio (accumulative)
IRR: 4.70%
ROI: 8.60%
Profit/Loss: RM3,141.04

Active (Invested) Portfolio
IRR: 18.93%
ROI: 19.19%
Profit/Loss: RM31,685.79
True Cost: RM165,023.12
Total Value: RM196,788.81
Entrance Value: RM151,344.70
Portfolio Value: RM186,187.24

Nett Dividend (2021): RM799.59


view on Google Sheets

Snapshot as of December 2020

Read more: 2020 in Review: A Year After Restarting My Financial Journey

This year, I made another leap with the opening of IBKR account (via TradeStation Global) which hopefully will fuel my shift focus from unit trust + individual stocks picking (which most did not turn out well) into passive investment strategy (mainly via ETF & StashAway) whilst keeping my costs low; but still cherry-picking a few long-term stocks here and there.

With COVID-19 and the depressed market, I honestly am not sure how things will turn out in coming years but one thing for sure – I just have to sit tight and stick with my principles. We’ll see how things turn out when I revisit this post few years down the road 🙂

Sold (Retired) Portfolio (accumulative)
IRR: 2.15%
ROI: 4.08%
Profit/Loss: RM1,293.46

Active (Invested) Portfolio
IRR: 14.59%
ROI: 13.70%
Profit/Loss: RM17,330.39
True Cost: RM126,413.52
Total Value: RM143,790.38
Entrance Value: RM115,858.31
Portfolio Value: RM134,472.05

Nett Dividend (2020): RM1,439.01


view on Google Sheets

Snapshot as of December 2019

The biggest game-changer this year, 3 main things that greatly altered my pace:

  1. I finally woke up and took action on my personal finances again, after idling for 4 years.
  2. I started paying myself before spending, greatly helping me to boost my savings rate
  3. I got fed-up with unit trusts and individual stock picking, and decided to go ahead with making StashAway my main investment vehicle.

Sold (Retired) Portfolio (accumulative)
IRR: 6.60%
ROI: 12.34%
Profit/Loss: RM787.64

Active (Invested) Portfolio
IRR: 5.08%
ROI: 5.66%
Profit/Loss: RM3,885.63
True Cost: RM68,702.58
Total Value: RM72,588.20
Entrance Value: RM64,672.19
Portfolio Value: RM69,345.45
Nett Dividend (2019): RM1,352.67


view on Google Sheets

Snapshot as of December 2018

Sold (Retired) Portfolio (accumulative)
IRR: 2.30%
ROI: 4.01%
Profit/Loss: RM172.05

Active (Invested) Portfolio
IRR: 1.52%
ROI: 1.34%
Profit/Loss: RM439.52
True Cost: RM32,686.52
Total Value: RM33,126.04
Entrance Value: RM30,654.39
Portfolio Value: RM31,265.96
Nett Dividend (2018): RM692.00


view on Google Sheets

Snapshot as of November 2017

Unfortunately I did not capture a snapshot as of December so this would be the last possible month I can go back to. Most of these portfolios were held since 2014/2015 and I have never sold any portion (nor have I convinced myself to embrace higher risk / lower cost vehicles) so this would be my oldest snapshot in this blog.

Except for RM3000/annum onto PRS funds, all fundings to my portfolio stopped by end of 2015, again due to reasons previously shared. So technically speaking, between end of 2015 till end of 2017, my portfolio investment (“true cost”) merely grew by approx RM6000 (facepalm).

Active (Invested) Portfolio
IRR: 12.96%
ROI: 15.47%
Profit/Loss: RM2,144.14
True Cost: RM13,859.71
Total Value: RM16,003.85
Entrance Value: RM12,651.95
Portfolio Value: RM14,831.03
Nett Dividend (2017): nil


view on Google Sheets

If you are truly curious about my portfolios back in 2014/2015, the above sheets will give you the answer. Just look at the “investment horizon” and guesstimate from there but I’ve captured some high level numbers below

Snapshot as of November 2016

Same thing with 2017 – the closest end-of-year snapshot I’ve got is November 2016.

Active (Invested) Portfolio
IRR: 5.50%
ROI: 8.67%
Profit/Loss: RM425.10
True Cost: RM4,903.53
Total Value: RM5,328.63
Entrance Value: RM4,867.34
Portfolio Value: RM5,325.10
Nett Dividend (2016): nil

Snapshot as of December 2015

Active (Invested) Portfolio
IRR: 4.85%
ROI: 3.69%
Profit/Loss: RM160.47
True Cost: RM4,351.44
Total Value: RM4,511.91
Entrance Value: RM4,317.34
Portfolio Value: RM4,510.47

Nett Dividend (2015): nil

Between when I first started working in late 2013 till end of 2014, I’ve only been savings and the max I’ve went was Fixed Deposit promotions so I didn’t really track my portfolio back then (heck, I think of it more as an Emergency Fund than a portfolio).

– END OF PORTFOLIO –

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