End of Year Portfolio Review | 2022 destroyed……my portfolio haha

Thought I will write this article a little earlier to share it in December rather than wait till Jan 2023, anyway the value of the portfolio is likely to keep dropping. Very discouraging to be writing portfolio reviews for 2022 and going forward for 2023.

I am glad I switched from monthly to quarterly updates because from the beginning of 2022, Q1 to Q4, my portfolio has been dropping in value even with the monthly DCA-ing that I am doing, so a monthly update would be tiring emotionally. It’s crazy thinking those with six or seven figures in the market but I have to say that much of my stocks portfolio is in Tesla and so explains why the dip in Q4 2022 has been exceptionally painful.

Q4 2022 has been interesting with some recovery but definitely not optimism that the market is bouncing back even though the FED’s Jay Powell has kinda hinted that they will slow/lower interest rate hikes as many explain that once the interest rate hikes stops, we will still be in an environment of high interest rate and that will prove to be quite detrimental to companies, economy and the stock market. I am accumulating with my DCA-ing into index ETFs and also diverting funds to produce cash flow for the future (Syfe REIT+) with the spare cash going into ETH. So let’s dive right in!

Stocks Portfolio

Tesla accounts for roughly half of my portfolio and the other half are mainly index ETFs like QQQ, VT, VWRA and VOO. Q4 has been rough for Tesla share price as Elon Musk officially took over Twitter, made sweeping changes and with high interest rate, people are expecting lower numbers for in total for 2022 due to supply chain issues and inflation as Tesla vehicles are pretty expensive. Twitter also has high debt and Elon Musk has been selling Tesla shares to fill that.

I would be lying if I said I did not regret taking profits on Tesla when I could but of course, this is all on hindsight. I also think that even if I were to turn time back, I would still hold on to my current positions not knowing that Tesla would drop so much, so yea, let’s see how it all pans out 5, 10, 20 years from now. For now, just adding index ETFs to the portfolio.

Crypto Portfolio

Crypto is not really on my mind right now, I am still contributing but mostly with the spare change that I have like at the end of each month after accounting for savings, investments into index ETFs and REITs as well as my expenses. So not really any huge contributions but crypto is tough especially after LUNA/UST crash as you can see from my chart, April 2022 drop to May 2022 and then FTX collapse and many other dominos effect.

Anyway, the value of it has also significantly dropped from it’s all time highs but is still holding on pretty well considering everything that has happened. I am also consoled that I haven’t lost my whole crypto portfolio yet, it can happen anytime as I might forget my seed phrase or lose them and then goodbyeeeeee! For now, still safe.

Syfe REIT +

I am periodically buying into Syfe REIT+ as a build up for retirement and cashflow in my later years. I know that some have given feedback or concerns firstly is that when you are young, it is good to be investing in growth or US index ETFs and looking for ways to grow your money first instead of putting it into dividends/REITs as the stock price tend to be stagnant and with a small capital, the dividends don’t quite matter.

I do believe that when you are younger, you have a longer time frame and less commitments hence you can take more risks however, compounding even a small amount does build up over time and I believe diversification helps as well periodically contributing. I think no one knows what can be a good investment over time as the future is unknown although data and past results can give an indication but no one can absolutely guarantee. So it’s good to also spread it out.

Another thing is the rising interest rate that definitely isn’t beneficial to REITs. I think a good viewpoint for REITs is from Financial Horse where he uses examples and explains why the interest rates staying high is likely to happen until inflation falls back to 2% as per what the FED is suggesting at the moment and talks of interest rate cuts are still too early. He also clarifies that he might be wrong but his analysis is great on why tough times are ahead for REITs, there are definitely exceptions but yea, you get it.

To be honest, it’s going to be huge pain to get inflation to 2%. We are currently at 7.1% boy oh boy, 7.1% to 2%? Lots of unemployment and pain needs to happen to cut all that inflation. But I am still just periodically going in with it and we shall see how long I can last. The value of my Syfe REIT+ is included together with the stock portfolio.

Allocation of some cash/emergency funds

Put aside some cash as well, putting them into SSB. Easy to withdraw and it can earn some yield at the same time. Still putting aside cash every month as a cash buffer, not for any investments as I do DCA every month.

Concluding thoughts

Going through this market downturn, I have gained so much more from the few months compared to the few years of bull market previously. And it has also cemented some changes to my buying habits. I have to say that experiencing 2021 to 2022 was really a crazy but enriching period. Lost money, didn’t make it back and losing more but glad that it happened in my first few years of investing rather than 10 years later.

It’s tough especially when job security is one of the concerns. Our generation of fresh graduates faced the pandemic and now inflation plus the FED fighting inflation. I have to say I am considerably lucky to not graduate into the pandemic but it’s tough seeing a future where difficult times are expected and recovery is uncertain. Every generation faced their own issues of course, it sounds really childish considering the older generation faced survival issues. The war in Ukraine, climate change and geo-political issues are also things I am concerned about but I think it’s important to be grateful and live in the present. Ending the portfolio reviews for 2022 here! A special year and looking forward to 2023. Happy holidays and stay healthy!

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