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Hi AK!
Reading your recent post on your 1H 2016 income is very inspiring and I hope one day to be able to reach your level. I have a few questions that I hope you can help me with in planing my portfolio
1) How much of your portfolio do you allocate to growth stocks and how much for income stocks?
2) If looking at income stocks aka dividend yield, what % and above do you deem it worth your while to invest in?
3) Whats your average yield for your whole portfolio currently?
Thanks!
Cheers,
Lewis
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| Remember the pyramid? |
Hi Lewis,
Such blog posts are meant to inspire readers to embark on their own journeys towards financial independence. They are not meant to instruct. I am glad you are inspired. ;)
Allocation would depend on a person's motivation. Since I am more interested in income, I allocate more resources towards investing for income, for example.
When investing for income, a higher yield is always attractive but we have to bear in mind that other factors must be considered too. Always ask how is that income generated and also if it is sustainable (for how long)? We might not always get it right but if we ask these two questions, we should get it right most of the time.
One objective of investing for income is to beat inflation. If a stock is able to generate a yield that beats inflation rate or at least equals it, I might consider.
I never tell people what is my portfolio's average yield since I have revealed my annual passive income in absolute dollar value. However, this does not stop some readers from doing some CSI in my blog to get an estimate. ;p
Gambatte!
Best wishes,
AK
Such blog posts are meant to inspire readers to embark on their own journeys towards financial independence. They are not meant to instruct. I am glad you are inspired. ;)
Allocation would depend on a person's motivation. Since I am more interested in income, I allocate more resources towards investing for income, for example.
When investing for income, a higher yield is always attractive but we have to bear in mind that other factors must be considered too. Always ask how is that income generated and also if it is sustainable (for how long)? We might not always get it right but if we ask these two questions, we should get it right most of the time.
One objective of investing for income is to beat inflation. If a stock is able to generate a yield that beats inflation rate or at least equals it, I might consider.
I never tell people what is my portfolio's average yield since I have revealed my annual passive income in absolute dollar value. However, this does not stop some readers from doing some CSI in my blog to get an estimate. ;p
Gambatte!
Best wishes,
AK
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17 comments:
I can interpret for your readers.
For some stocks that AK hold since 08/09 depression, most of them are double digits yielding.
In recent years, my conservation with AK time to time, has reveal that dividend yield for stocks that has some form of risk, has to yield around 8% for him to get interested.
For stalwarts and steady blue chips, he might nibble at yield between 4-6%.
For asset play like OUE and Wingtai, key is potential capital gain in future, dividends not much for a consideration for now.
Of cos, there are some others currently in cold storage pending further review like Marco Polo and yongnam which currently does not give dividend.
Think Roughly there. Should stop here lol
aiyah easy to guess lah
ak is also a multi millionaire.
Hi Solace,
I must make a mental note to chat less with you.
You are scary!!! -.-"
Hi SMK,
Aiyoh, multi sounds like many millions. Dun have wor. :(
Hahaha,
I don't think i picha your lobang :)
All readers can do a bit of CSI and do some interpretation from the data.
Frankly speaking, ability to do CSI and have good interpretation skills are important to investors. Need to study annual and quarterly reports to derive information from there.
Back in school, we need to learn English comprehension don't we? The skill is important in reading between the lines of what CEO,Chairman, auditor has to say in the annual report. We also need English comprehension skills to interpret the message some bloggers are trying to send!!! -_-
Btw, when is our next chatting session? =) Hahaha
I just found AK's blog recently. Darn. I wished I found it 10 years earlier.
more than one lah.
hahaha
you are becoming more adorable again. :)
nice -> solace
Hi Solace,
You took the words right out of my mouth. You are right, of course. :)
Next "Evening with AK and friends" session is happening this Friday but it is sold out. We will plan for another one in September, hopefully. I am feeling so lazy... ;p
Hi Bigcatblue,
Alamak. I talk a lot of nonsense here de.
ASSI is quite the jungle. Be careful!
Oh, 10 years ago, my blog didn't exist. ;p
Hi SMK,
Aiyoh, you mean I was less adorable before?
Hmmm... wait... An adorable 45 year old guy?
Yikes! I don't think that is a compliment. -.-"
45 yr old cannot be adorable?
adorable = endearing to me.
it is still positive. :)
Hi SMK,
OK. I shall accept this as a compliment.
Kamsiah you plenty plenty. ;p
To Solace,
Thanks for the CSI. This is an insight. By the way, did you also have an estimated guess on AK's portfolio yield?
To AK,
Can you disclose what is the percentage of your stock's fund deployed in the largest holdings you own? Or the biggest holding contribute what percentage of your stock and shares portfolio?
Thank you
Millionfaith
Hi millionfaith,
I might have dropped hints or let slip some info in the past here in my blog but I won't make it a point to reveal such information. Hmmm... I will think about it. ;)
Hi Millionfaith,
I think doing some interpretation on AK individual stocks yield reveals tips and information on how we should manage our stock portfolio.
Example, invest in the darkest hour of stock market, you get double digits yield. Risky assets demand more compensation for yields etc.
I do not feel knowing AK's portfolio yield to the exact decimal place is helpful to us being a better investor.
Hi Solace,
OMG. So profound.
I only know I should try to keep things as simple as possible. ;p
Hello Solace,
Thanks for the response.
Totally agree with your statement. I am an analytic person, kind of academic book worm type and enjoy doing research on portfolio management, diversification. Hence particularly interested to look at the several investment style and methods. However, it does not mean the style will suit any person, very much dependable on one attitude, motivation, belief etc. I enjoy AK posts because his posts are balanced. He shared winners and losers. Unlike many promotional blogs which in my opinion, can be quite unrealistic (these blogs mostly sell seminars, support, tools etc), and create illusion that their methods work even for dummies. You get what I mean. In fact, I read a book from a reputable professor who said never trust a book, seminar that has the title "Secrets of ........". For me, the best is to acquire knowledge the hard work. There is no short cut.
In short, the reason for me asking is to be aware and get closer to the truth (Because truth set one free). Minimal time required portfolios generate approximate 3-4% returns (historical performance but not sure if this will stays). Obviously, to achieve above 4% portfolio return needs a lot more hard work, and probably additional risk (for many, including myself, also do not have the vast deep knowledge on business, finance, and a clear mind to discern the rather confusing world and their actions). AK does deserve higher than 4% yield, he is passionate about investing, so it will never be a tiring chore for him. But I wonder if I can devote the time and energy. I am older but not wiser than him, you know : )
Anyway, appreciate you guys for all the sharing.
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