Portfolio Review (January 2026)

Review of my Portfolio (31/01/2025)

Total unrealized profit: + 53.4 %

YTD performance: +% 4.20%

Benchmark S&P500 YTD: +1.17%

Added in January

Goal 1: ( $ 6,821.48 / $ 99,130 ) ⚔️

Growth Portfolio: META, MSFT

Dividend Portfolio: YLD, CLR, M44U, ME8U

Sold

XLV

Portfolio Weightage

Dividend Recieved

Goal 2: ($ 856.18 / $ 21,484 ) ❤️

Dividend recieved in January = $ 856.18

US Market

• Exited XLV position as it reached my Target price as planned, added in May 2025.
• I may re-enter if XLV goes below $140 again but for now I reallocating the fund to META.

Sector

• Currently my 3 long term sector ETFs are trending with the index.
• No divergence = no bargain = no buying opportunity.
• Just buy QQQM if have extra money.

Magnificent 5: Quick Overview

• I am holding the Magnificent 5 for the long term, so I don’t need perfect timing.
• My main goal is to avoid buying at the obvious peak of the price cycle.
• Holding individual stocks carries high risk and volatility, so owning companies with a durable moat is critical for recovery during downturns.
• These five companies function as the operating system of the global economy, providing essential infrastructure that underpins countless businesses.
• In contrast, companies like Nvidia and Tesla, while exceptional, do not yet occupy that foundational role.
• I will still add to my positions in small amounts even when valuations are high, as long as the technical setup is favorable, allowing me to participate without taking outsized risk.

MSFT earning overview

• MSFT beat recent earnings expectations.
• Investors were disappointed with growth deceleration in the Microsoft Cloud business, with the broader cloud segment slowing to ~26–29%.
• while Azure remained around ~39–40% but showed signs of flattening.
• Investors are also concerned about huge spending on AI infrastructure, which may pressure near-term margins
• Personal opinon: MSFT just not able to exceed the extreme narrative, but MSFT growth is still very impressive. The growth is still consider top tier for a company its size.