{"id":2392,"date":"2014-12-04T04:52:50","date_gmt":"2014-12-03T20:52:50","guid":{"rendered":"http:\/\/tzlee.com\/blog\/?p=2392"},"modified":"2014-12-09T00:04:10","modified_gmt":"2014-12-08T16:04:10","slug":"investment-portfolio-review","status":"publish","type":"post","link":"https:\/\/tzlee.com\/blog\/2014\/12\/investment-portfolio-review\/","title":{"rendered":"Investment portfolio review"},"content":{"rendered":"

Earlier this year I wrote about the lessons I’ve learnt<\/a> and how I’ll be reshuffling my investment portfolio; the year has come to an end so it is time for my annual review.<\/p>\n

I’ve reduced the losses on my CPF investment. I was at -32% at the beginning of this year, and is now at -27%. This was achieved by switching out of high risk funds and then maintaining a 50\/50 split between low risk Singapore-based bonds and equity funds. When the balance between them spreads ~3-5%, I use a partial fund switch to re-balance, maintaining as close to the\u00a0the 50\/50 split as possible.<\/p>\n

I’ve also significantly reduced the losses on my cash based ILF with Prudential. I applied the same technique as my CPF investments above, and will be surrendering the investment later this month as it has broken even.<\/p>\n

I have also had nett positive gains on my entire\u00a0SGX portfolio, and will be looking to sell some positions since I anticipate another plunge early next year as oil prices fall and interest rates rise.<\/p>\n

I will also be reviewing my other insurance policies (for protection, not investment) this month and will write separately on this subject.<\/p>\n

I feel extremely comfortable now that I have established various mechanisms to track my income, expenses and assets. When I am asked specific questions about my financial health, I am usually able to provide detailed and accurate answers — this is the key to good financial management and knowledge.<\/p>\n

I share with my spouse, family members and close friends what I have learnt and feel happy that I am able to help others better manage their finances.<\/p>\n

The most important lesson learnt this year is that any form of investment requires active management<\/strong>.<\/p>\n

With that, I look forward to 2015 where I will be venturing into another major financial phase — real estate investment.<\/p>\n","protected":false},"excerpt":{"rendered":"

Earlier this year I wrote about the lessons I’ve learnt and how I’ll be reshuffling my investment portfolio; the year has come to an end so it is time for my annual review. I’ve reduced the losses on my CPF… Continue Reading →<\/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":[483,482,353,396],"class_list":["post-2392","post","type-post","status-publish","format-standard","hentry","category-finance","tag-cpf-sgx","tag-ilf","tag-insurance","tag-investment"],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/tzlee.com\/blog\/wp-json\/wp\/v2\/posts\/2392","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=2392"}],"version-history":[{"count":4,"href":"https:\/\/tzlee.com\/blog\/wp-json\/wp\/v2\/posts\/2392\/revisions"}],"predecessor-version":[{"id":2397,"href":"https:\/\/tzlee.com\/blog\/wp-json\/wp\/v2\/posts\/2392\/revisions\/2397"}],"wp:attachment":[{"href":"https:\/\/tzlee.com\/blog\/wp-json\/wp\/v2\/media?parent=2392"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tzlee.com\/blog\/wp-json\/wp\/v2\/categories?post=2392"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tzlee.com\/blog\/wp-json\/wp\/v2\/tags?post=2392"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}