{"id":2090,"date":"2014-02-14T02:51:51","date_gmt":"2014-02-13T18:51:51","guid":{"rendered":"http:\/\/www.tzlee.com\/blog\/?p=2090"},"modified":"2014-08-01T16:42:20","modified_gmt":"2014-08-01T08:42:20","slug":"investment-portfolio-reshuffle","status":"publish","type":"post","link":"https:\/\/tzlee.com\/blog\/2014\/02\/investment-portfolio-reshuffle\/","title":{"rendered":"Investment portfolio reshuffle"},"content":{"rendered":"<p>Earlier I wrote about the painful (and expensive) <a href=\"http:\/\/www.tzlee.com\/blog\/?p=2044\">financial lessons<\/a> I learnt over the last few years. I&#8217;ve been reading books and articles and will slowly reshuffle my investment portfolio.<\/p>\n<p>My current investment portfolio looks like this:<\/p>\n<ul>\n<li>My nett investments are approx. 25% of my cash, i.e. if I have $20K cash, I would have $5K of investments (total $25K).<\/li>\n<li>Around 30% of my investments are in Prudential ILFs and not doing very well.<\/li>\n<li>The remainder are in SGX in various stocks and REITs.<\/li>\n<\/ul>\n<p><!--more-->Over the course of the next few months, I plan to accomplish these:<\/p>\n<ul>\n<li>Recover from my Prudential ILFs and surrender them ASAP. They were initially invested into a variety of equity funds that plunged badly in 2011.\n<ul>\n<li>I switched to bond funds in 2012 which grew slowly over the last 1-2 years but my returns are still negative to-date. I have only recently split half of it back into Singapore-based equity funds when STI went below 3,000 earlier this month.<\/li>\n<li>Fingers crossed &#8212; once my ILFs break-even, I will surrender them and invest in ETFs instead.<\/li>\n<\/ul>\n<\/li>\n<li>Gradually increase my investment-to-cash ratio until it is around 50%, i.e. if I have $20K cash, I would have $10K of investments (total $30K). I will apply dollar cost averaging by doing this continually on a monthly basis, although sometimes I may need to spread it across two months since 1 lot of STI ETF costs circa $3K &#8212; some timing the market may be required here.<\/li>\n<li>I will try to maintain the following ratios within my portfolio:\n<ul>\n<li>30% STI ETF (ES3)<\/li>\n<li>30% ABF SG Bond ETF (A35)<\/li>\n<li>40% Mix of Telecommunications, REITs, Energy, Industrials<\/li>\n<\/ul>\n<\/li>\n<li>Learn about and apply the various technical indicators to help time the market. Well-known indicators are RSI, Bollinger Bands and MACD. Being a programmer helps here and I might probably develop a simple app to generate alerts against a list of stocks I&#8217;m holding\/watching. I know there are paid commercial services available but&#8230; just take it that I&#8217;m a cheapskate.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Earlier I wrote about the painful (and expensive) financial lessons I learnt over the last few years. I&#8217;ve been reading books and articles and will slowly reshuffle my investment portfolio. My current investment portfolio looks like this: My nett investments&#8230; <a class=\"more-link\" href=\"https:\/\/tzlee.com\/blog\/2014\/02\/investment-portfolio-reshuffle\/\">Continue Reading &rarr;<\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[262],"tags":[438,378,436,353,396,437],"class_list":["post-2090","post","type-post","status-publish","format-standard","hentry","category-finance","tag-bonds","tag-endowment","tag-equity","tag-insurance","tag-investment","tag-stocks"],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/tzlee.com\/blog\/wp-json\/wp\/v2\/posts\/2090","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tzlee.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tzlee.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tzlee.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/tzlee.com\/blog\/wp-json\/wp\/v2\/comments?post=2090"}],"version-history":[{"count":8,"href":"https:\/\/tzlee.com\/blog\/wp-json\/wp\/v2\/posts\/2090\/revisions"}],"predecessor-version":[{"id":2157,"href":"https:\/\/tzlee.com\/blog\/wp-json\/wp\/v2\/posts\/2090\/revisions\/2157"}],"wp:attachment":[{"href":"https:\/\/tzlee.com\/blog\/wp-json\/wp\/v2\/media?parent=2090"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tzlee.com\/blog\/wp-json\/wp\/v2\/categories?post=2090"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tzlee.com\/blog\/wp-json\/wp\/v2\/tags?post=2090"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}