facebook[Rate My Portfolio] Can someone help to review my portfolio? My portfolio is currently at 7% profitability, excluding all the dividends received in the past. I feel that there are still rooms for improvement. - Seedly
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Anonymous

25 Apr 2021

[Rate My Portfolio] Can someone help to review my portfolio? My portfolio is currently at 7% profitability, excluding all the dividends received in the past. I feel that there are still rooms for improvement.

Can the community help me review my portfolio, and drop me some areas of improvement?
Here are my stocks and ETFs holdings, and the weightage on my overall investment portfolio.

SGX Listed Stocks:
DBS Bank - 4.0%
Singtel - 2.3%
Lendlease REIT - 1.1%
Mapletree Com Tr - 3.2%
OCBC Bank - 3.2%
Micro-Mechanics - 4.7%
Hong Kong Land - 2.1%

SGX Listed ETFs:
STI ETF - 12.3%

Hong Kong Listed Stocks:
Bank of China - 1.8%

US Listed Stocks:
Alphabet Inc - 4.2%
Apple - 1.5%
Beyond Meat - 1.5%
Facebook - 3.4%
Diageo plc - 0.7%
JP Morgan - 2.8%
NIO - 2.0%
Palantir - 2.5%
Xpeng - 0.7%

US Listed ETFs:
ARKK - 1.2%
BETZ - 2.7%
ARKG - 0.2%
VOO - 0.3%

Bonds:
Astrea IV - 3.0%
Astrea V - 2.9%
Singapore Savings Bond - Everything else

25

    Discussion (25)

    What are your thoughts?

    Tim Phillips (ProsperUs)

    Tim Phillips (ProsperUs)

    15 Apr 2021

    Level 7Β·Head of Content at ProsperUs, CGS-CIMB Securities

    Depends on your age. If you're in your 20s/30s then you've got a lot more scope to take on higher growth quality stocks in the US. You can also shed some of the "old economy" names in Singapore and Hong Kong (no state-owned enterprise banks for a start).

    In Singapore, I'm personally not a huge fan of retail/commercial REITs versus the likes of large cap industrial/logistics REITs which tend to have better structural tailwinds. Hope that helps!

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      Sharon

      Sharon

      15 Apr 2021

      Level 10Β·Life Alchemist at School of Hard Knocks

      I'm looking at this from my perspective, with the view of incurring large item in short-term, and long-term aggressive growth. You cannot get aggressive growth with dividend stocks.

      Here's what I will do, based on my approach preference and what I know about for some stocks. I hold a concentrated portfolio of 8 co. + ARKG (It's the only ETF I hold), so this list below is overwhelming for me πŸ˜…

      β–  Sell all SG stocks & ETFs, as well as HK one πŸ‘‡πŸ»

      SGX Listed Stocks:
      DBS Bank - 4.0%
      Singtel - 2.3%
      Lendlease REIT - 1.1%
      Mapletree Com Tr - 3.2%
      OCBC Bank - 3.2%
      Micro-Mechanics - 4.7%
      Hong Kong Land - 2.1%

      SGX Listed ETFs:
      STI ETF - 12.3%

      Hong Kong Listed Stocks:
      Bank of China - 1.8%


      β–  For Alphabet, Apple, & Facebook, you can keep as your base.

      If you think portfolio management as a pyramid with 3 layers, bottom layer is those well-established, matured companies that still have some room for growth. Growth may not be expotential but they're still growing. They give some stability to the portfolio. Microsoft and Netflix are also good considerations.

      The middle layer is those that are leading in their industry and there're tailwinds to their growth, like DocuSign due to digital acceleration and adoption as a result of Covid-19. These are the companies looking to expand and conquer. I'd put Beyond Meat in this category too.

      Meanwhile, the companies in the top layer is more like rockets (maybe a bit more speculative with more risks than those co. in other two layers). Their growth is still like in the early innings e.g. Zoom.

      Usually to get good growth and a certain amount of stability (so you don't lose sleep over your investments), try to have more co. in the middle layer.

      Top : 2-3 co.
      Middle : 7-8 co.
      Bottom (Base) : 5-6 co.

      Of course if you want more co. in Top layer than Middle layer, you will need to research doublely hard to make sure the co. doesn't go 'poof!'

      US Listed Stocks:
      Alphabet Inc - 4.2% (hold)
      Apple - 1.5% (hold)
      Beyond Meat - 1.5% (hold)
      Facebook - 3.4% (hold)
      Diageo plc - 0.7% (no idea what this is; but since you've only little of it, looks like not much conviction...might as well sell it)
      JP Morgan - 2.8% (sell)
      NIO - 2.0% (If you think NIO will execute and perform well, you can hold)
      Palantir - 2.5% (Didn't do any research into this; Like NIO, you can hold if you think they will do well)
      Xpeng - 0.7% (sell)


      β–  If you want to have ETFs, I rather you put your money into these than STI ETF. At least you can see growth loh! But for me, I will sell all ETFs, except ARKG. Understanding genomic industry can be rather challenging for layperson...

      US Listed ETFs:
      ARKK - 1.2%
      BETZ - 2.7%
      ARKG - 0.2%
      VOO - 0.3%

      β–  Sell all, except SSB πŸ‘‡πŸ» CPF is already is bond-like (2.5-4%). For most of us, our salary is already bond-like (2-4% increment). And if we have those whole life insurance policies, those are also bond-like. What we need is a rocket, not more bond-like instruments. The only exception is SSB which you can withdraw to use for that short-term expense.

      Bonds:
      Astrea IV - 3.0%
      Astrea V - 2.9%

      Singapore Savings Bond - Everything else


      Hope this helps. This will simplify your life and your results would improve (provided you hold onto great co. and monitor over the long term). If the co. is a quality one, the stock price will follow its performance over time, even if in the short term, the market may not recognise the value...but will eventually catch up.

      All the best!

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        Sudhan

        Sudhan

        15 Apr 2021

        Level 10Β·Content Strategist (Investment Lead) at Seedly

        Hi there, let me ask a few questions to understand the situation better.

        1. What are you looking fo...

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