Update for Jan 2020 to Apr 2020

The start of 2020 has been a busy period for 笨mummy with Child 1 starting primary 1, the shifting of the house, change of new childcare for Child 2 and the start of the work from home arrangement. Hence the lack of update for the past months. 

Finally have some time over the public holiday to catch up on the updates. Here it goes. 

Dividend / Interest for the month of January 2020 to April 2020

Ascendas REIT - $ 855.70
Ascendas India - S$ 64
Ascendas H Trust /Ascott - $ 559.40
CDL H Trust - S$ 515.60
CapMall bond - S$ 77.63
Mapletree NAC - S$ 137.05
Suntec REIT - S$ 234.70

Dividend received in Year 2015	S$ 8,978.59
Dividend received in Year 2016	S$ 12,145.15
Dividend received in Year 2017	S$ 12,964.44
Dividend received in Year 2018	S$ 14,709.91
Dividend received in Year 2019	S$ 11,629.19
Dividend received in Jan to Apr 2020	S$ 2,442.08
Dividend received in Yr 2020 to date	S$ 2,442.08

Update for Dec 2019

Result for 2019 is out...  total dividend for the year is 11,629.19 which is lesser than 2016, 2017 and 2018. While it is disappointing, from a cashflow aspect, things are not that bad as the interest income from high yield bank accounts helped to cushion the cashflow impact. Overall, she received an average of $490 from interests (i.e. 3.5% on 50K in her DBS multiplier account, 2.43% on 75K in her UOB One account, an average of 1.65% from esaver account and lastly from SSB.). 

Given the recent purchase of her new flat, she is expecting to incur more expenses due to renovation, stamp duty and legal fee and other miscellaneous expenses. She would expect her interest income to drop further as her excess fund would be deployed for these expenses. It is unlikely that she would be pumping in fund into the equity market until second half of the year. 

Dividend / Interest for the month of December 2019

Ascendas REIT - $ 1,468.86
Ascendas H Trust - $ 220.78
SPH - 130
Ascendas India - $ 148
Ascendas H Trust (Distribution due to delisting and combination with Ascott) - $450.69 

Dividend received in Year 2015	S$ 8,978.59
Dividend received in Year 2016	S$ 12,145.15
Dividend received in Year 2017	S$ 12,964.44
Dividend received in Year 2018	S$ 14,709.91
Dividend received in Dec 2019	S$ 2,418.33
Dividend received in Yr 2019 to date	S$ 11,629.19

Update for Nov 2019

November is a crazy month with so much things going on at home and work:

- one week of intensive training in Bangkok and a lot of catching up on work after getting back in office

- signed OTP for a resales HDB at clementi so that 笨mummy’s family can move nearer to the Child 1 primary school that is located in clementi. This was after a number of viewings at flats around that area. The paper works are still in process and there are so much to be done. 

- starting to sell 笨mummy’s current HDB that is in Tiong Bahru. This is quite emotional as this is her first property and she loves staying in this area where it is just 2 train stations away from her work place and near to the hip Tiong Bahru estate. It may be hard to move back to this estate considering that the property price for these areas are not really cheap. 
笨mummy’s Weekday evening and weekends are spent on waiting for people to come for viewings and typically she hosted 5-6 groups of “interested buyers” and average of 1-2 viewings during weekday evening. 

- settling the administrative stuff for primary school - buying textbooks, uniforms, and shoes and getting school bus, etc. 

Dividend / Interest for the month of November 2019

Ascendas India Trust - $ 433
DBS Pref - $ 236.93
FCL - 184
Mapletree NAC - $ 96.85
Suntec REIT - $236.50

Given that it is one month away from the end of 2019, it is quite clear that 笨mummy is very off her target dividend amount set for 2019. The main reason is due to the reduction of dividend yielding shares holdings - she lost M1 due to General offer and Hyflux due to the default in bond and she reduced her holding of Mapletree NAC due to the protest in HK. 

Dividend received in Year 2015	S$ 8,978.59
Dividend received in Year 2016	S$ 12,145.15
Dividend received in Year 2017	S$ 12,964.44
Dividend received in Year 2018	S$ 14,709.91
Dividend received in November 2019	S$ 1,187.28
Dividend received in Yr 2019 to date	S$ 9,210.86

Update for Sep and Oct 2019

Have been busy with work and hence the lack of update for the past 2 months. Finally managed to squeeze some free time to do up the monthly update. 

Dividend / Interest for the month of Sep and Oct 2019

St Eng - $ 300
Nera - $ 25
Kingsmen - $ 50

Dividend received in Year 2015	S$ 8,978.59
Dividend received in Year 2016	S$ 12,145.15
Dividend received in Year 2017	S$ 12,964.44
Dividend received in Year 2018	S$ 14,709.91
Dividend received in Sep and Oct 2019	S$ 375
Dividend received in Yr 2019 to date	S$ 8,023.58

Update for Aug 2019

August is a roller coast month for 笨mummy's shares hitting record prices and then going down significantly. 笨mummy had decided to cash out some of her shares while waiting for opportunities. 

To-date, 笨mummy cashed out half of the Mapletree NAC Trust at $1.31 and planning to sell off some of these stocks that are way below its purchase prices to cut loss. 

Dividend / Interest for the month of August 2019

Keppel Corp - $ 160
Ascott - $ 377.41
Mapletree NAC - $195
CDL H Trust - $440.96
Suntec REIT - $156.5
STI ETF - $60.50
Capitalmall bond - $76.37

Dividend received in Year 2015	S$ 8,978.59
Dividend received in Year 2016	S$ 12,145.15
Dividend received in Year 2017	S$ 12,964.44
Dividend received in Year 2018	S$ 14,709.91
Dividend received in August 2019	S$ 1,466.74
Dividend received in Yr 2019 to date	S$ 7,648.58

Update for July 2019

July is another quiet month with no cash inflow.  No change to the net dividend received to-date. Sometimes it makes 笨mummy thinks how things would be if she adopts early retirement and needs to depend on dividends to fund her day-to-day expenses considering that there was no cash inflow for June and July. 

Dividend received in Year 2015	S$ 8,978.59
Dividend received in Year 2016	S$ 12,145.15
Dividend received in Year 2017	S$ 12,964.44
Dividend received in Year 2018	S$ 14,709.91
Dividend received in July 2019	S$ 0
Dividend received in Yr 2019 to date	S$ 6,181.84

Update for June 2019

The update for June was late as there were a lot of stuff going on in end June. There were the staff promotion exercise, appraisal session with the staff, rushing to wrap up existing works so they can be billed in time to be captured for the end of Financial year's result. 

Dividend / Interest for the month of June 2019

Ascendas H Trust - $ 257.60

The dividend for Ascendas H Trust may be the second last time it would be distributing dividend to shareholders before the proposed combination of Ascendas H Trust with Ascott Trust. Overall, it is not a bad deal considering that the average price for the Ascendas H Trust that 笨mummy is holding is 80 cents (without considering dividends earned over the years) and 50 cents after deducting the dividends earned over the past years of holding it.  笨mummy holds 3,000 units from the IPO in 2012 for 88 cents and bought another 5,000 units in 2014 at 75 cents. The proposed combination would also result in 笨mummy owning more shares of Ascott Residence Trust that she already own from 10,000 units to 16,353 units.  

To prevent odd lots, 笨mummy is considering to buy some shares of Ascendas H Trust via SCB online trading platform since it has minimal commission and would make more sense to buy via the platform and then do a share transfer to CDP at a cost of $10.70 since the other platforms are charging minimum fee of at least $20 to $25. 

Dividend received in Year 2015	S$ 8,978.59
Dividend received in Year 2016	S$ 12,145.15
Dividend received in Year 2017	S$ 12,964.44
Dividend received in Year 2018	S$ 14,709.91
Dividend received in Jun 2019	S$ 257.60
Dividend received in Yr 2019 to date	S$ 6,181.84

Update for May 2019

May is always an exciting month to look forward to due to the influx of dividend. 

Dividend / Interest for the month of May 2019

Ascendas REIT - $1,466.28 

Ascendas India Trust - $375

DBS Pref Share - $233.07

FLC Bond - $181

Keppel Corp - $300 

Kingsmen Creative - $75 

Mapletree GCC - $195.60

NERA - $75 

SPH -$110 

ST Eng - S$1,100 

Suntec REIT - $323

The amount of dividend received for the same period last year was much higher. The decease are mainly due to the sales of M1 shares which used to contribute $900 plus to the dividend in Apr and the sales of the corporate bonds middle last year. 

Dividend received in Year 2015	S$ 8,978.59
Dividend received in Year 2016	S$ 12,145.15
Dividend received in Year 2017	S$ 12,964.44
Dividend received in Year 2018	S$ 14,709.91
Dividend received in May 2019	S$ 4,433.95
Dividend received in Yr 2019 to date	S$ 5,924.24

Update for April 2019

Same as March, this is also a month without any dividend received. 笨mummy had divested half of her ST Eng shares after ex-dividend for $3.90 to lock in the profit before May. 

Things are chaotic at home as the weight of handling most of the kids stuff and the household eventually break the camel’s (笨mummy's) back. It is so tiring to deal with someone who so self-center and think he is doing the things for you when most of things are for the kids which he is a parent of too. But honestly, is there any laws or rules that indicated that the wife should be the one to do the household chores and settling the kids stuff? Is there a job scope that defined what a wife or mother should do and what a hubby or father needs to do?

A father who rather wait for the mother to come back from hospital to bath the kids than doing it himself. A father who refuse to change the diaper of the child when it is soiled with poo cos he thinks it is dirty. A father who rather spend money to buy “toys” for himself than money to sign up for enrichment class for the kids. A father who never know what things that kids are doing in school and rather take leave to go for a movie than taking leave for school activities. A husand who told the wife that he has no money and just leave it to the wife to pay the hospital bill and the bill for the gyna for both kids. It is always about him and never about them. 

Sometimes 笨mummy does regret getting married and life without him would be a breeze. The sad thing is one cannot turn back the clock. 

Let hope for a better month in May onward and continue to the path to a more financially stable future. Cheers!

Dividend received in Year 2015	S$ 8,978.59
Dividend received in Year 2016	S$ 12,145.15
Dividend received in Year 2017	S$ 12,964.44
Dividend received in Year 2018	S$ 14,709.91
Dividend received in Apr 2019	S$ 0
Dividend received in Yr 2019 to date	S$ 1,490.29

Updates for Mar 2019

Another month with no dividend. Investment has taken a back seat as 笨mummy was totally occupied with work. It was a crazy month trying to balance the increased amount of work and also the need to focus more on Child 1's learning before he goes primary school next year. 

Evenings are spent on teaching Child 1 on the "Sight Words" that Child 1 should by right know at his age. Morning before work are time for Child 1 to do his hand-writting practice.  

Time at work is equally stressful as there are too much work that need to be completed but still sitting in 笨mummy's inbox. There is also other administrative work that take up a lot of time.  

Let hope for a better month in April onward. Cheers!

Dividend received in Year 2015	S$ 8,978.59
Dividend received in Year 2016	S$ 12,145.15
Dividend received in Year 2017	S$ 12,964.44
Dividend received in Year 2018	S$ 14,709.91
Dividend received in Mar 2019	S$ 0
Dividend received in Yr 2019 to date	S$ 1,490.29

Updates for Feb 2019

笨mummy loves the Feb because it is a short month and also there cash inflow from the dividend from the shares she owned. 

As mentioned in last month post, the price of some REIT that 笨mummy holds have increased and she was thinking of offloading some. She took action and sold 5K shares of Ascendas REIT at $2.78. She would wait for the price to come back down to $2.63 - $2.65 to buy back. 

Dividend / Interest for the month of Feb 2019

Capmall Bond - S$ 77.63

Suntec REIT - S$ 259.00

CDL H Trust - S$ 524.70

Ascott Trust - S$ 436.26

Mapletree NAC - S$192.70

Dividend received in Year 2015	S$ 8,978.59
Dividend received in Year 2016	S$ 12,145.15
Dividend received in Year 2017	S$ 12,964.44
Dividend received in Year 2018	S$ 14,709.91
Dividend received in Feb 2019	S$ 1,490.29
Dividend received in Yr 2019 to date	S$ 1,490.29

Updates for Jan 2019

笨mummy starting to feel the impact of the “peak” at work as she took over more cases from her colleagues who are away on secondment at clients’ place. January just went by like a flash and Chinese New Year is coming. She has no time to even go to SGX website to check on the price of her holdings and those stocks on her watchlist. . 

The only stock action 笨mummy took wasto sell her balance holding of M1 on the open market at $2.08 instead of waiting for the GO. Overall, she has lost a significant amount even after accounting for dividend. On hindsight, she regretted not selling the shares in the past when the price hit $3.90 and continue to hold all the way till now. It is a good lesson to her to not let emotion rule the thought process and also dividend yield is not everything. One can learn to ride the up and down of share price. 

This brought about two thoughts in 笨mummy’s head: 

1) should she buy back M1 at a lower price when the GO did not go though? The price of M1 was trading around $1.60 before the GO was announced and pushed the price back to the $2.08 to $2.10 range. Assuming the dividend yield remains, the price of 1.60 seems to give a relatively good yield. 

2) since the price of some of the REITs that she owns went up significantly this month, shld she ride the up trend and offload some and wait for a down trend to pick up these stocks . 

Maybe this Chinese New Year is a good time to ponder over the above 2 thoughts she has. 

Dividend received in Year 2015	S$ 8,978.59
Dividend received in Year 2016	S$ 12,145.15
Dividend received in Year 2017	S$ 12,964.44
Dividend received in Year 2018	S$ 14,709.91
Dividend received in Jan 2019	S$ 0
Dividend received in Yr 2019 to date	S$ 0

Updates for Dec 2018

Finally it is time to hand in the result for 2018.  Total dividend for the year is 14,709.91. Still $300 short of the $15K target set. Let's try hard in 2019.

As for overall comparison with last year figures: 
- 54K increase in cash component (i.e. cash in balance and the value of stock held)
- 27K increase in non-cash component (i.e CPF OA, SA and MA balance plus SRS investment and balance)
- 9.5K increase in the joint investment account with hubby

Overall, 笨mummy is happy with the amount of money she has managed accumulated this year with her employment income. Of course, she hopes that she could have better control over her spending, especially the portion on foods and coffee. 

Dividend / interest for month of Dec 18:  
Ascendas H Trust - S$ 224.80
SPH - $ 140.00

Dividend received in Year 2014	S$ 8,241.99
Dividend received in Year 2015	S$ 8,978.59
Dividend received in Year 2016	S$ 12,145.15
Dividend received in Year 2017	S$ 12,964.44
Dividend received in Dec 2018	S$ 364.80
Dividend received in Yr 2018 to date	S$ 14,709.91