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

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 Nov 2018

One more month to go before the end of 2018. Time really flies especially when 笨mummy is back at work compared to her SAHM time. It is a joy to see the bank account figures moving up due to input from monthly salary, dividends from shares and also interests from the high yield savning accounts. 

With the new year approaching, 笨mummy is picking up speed on projects that she has put on hold due to lack of time. She spent her weekend on tidying and cleaning the cupboards, wardrobes and also the windows. She also kicked start her mini re-model of the spare room to an official playroom for the two kids. Hopefully everything can be completed by the end of the year. 

She is looking forward to the Christmas holiday when she has more time to spend on these tasks. 

Dividend / interest for month of Nov 18:  
Ascendas India Trust - S$ 358.00  
Mapletress GCC - $ 192.60 
Ascendas REIT - $ 146.97 
Suntec REIT - $ 249.10 
DBS Pref Share - $ 473.86 
FCL Treasury Bond- $ 184 

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 Nov 2018	S$ 1,604.53
Dividend received in Yr 2018 to date	S$ 14,345.11

Updates for Sep 2018

Time flies... it is finally 3 quarters of a year gone and 笨mummy has been in her new workplace for 9 months. She also received news that her buddy at workplace just throw in the letter. It is sad to have someone that you look up to advices and assistance at work leaving. His resignation also indirectly benefit her as she has been assigned to take over most of his current portfolio. But it also indirectly highlighted some of the problems with the current management. 

Investment wise, it was an exciting month with news of a GO for M1 which 笨mummy is holding on to 20k units with an average cost of $2.1 after accounting for dividend. The offer of $2.06 is less than the average cost but the overall loss is not too huge to bear. Of course, she is still hoping for a higher counter offer. Meanwhile, she would just wait and see. 

Added 5,000 units of Ascendas REIT
笨mummy also did a bit of shopping this month and added 5,000 units of Ascendas REIT on 7 Sep 2018 when the private placement news was released.  Some may argue that the purchase price of $2.63 may be a premium compared to the private placement price of $2.54. But  笨mummy, being a long time vestor in this REIT has seem a number of early private placement where the share price would raise eventually again and much higher than the private placement price after a while. It is always good to go in during such opportunities to get the shares even at a slightly premium.

On hindsight, the purchase is not a bad decision since the price has recovered to 2.64 at the last day of the trading this month. 

Dividend / interest for month of Sep 18:  
Nera Tel - S$ 50
Kingsmen - S$ 50

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 Sep 2018	S$ 100
Dividend received in Yr 2018 to date	S$ 10,933.20

Updates for Aug 2018

It is another great month for 笨mummy’s wallet due to the yummy dividends received for the month and also a slightly higher interest received from her saving deposit due to the changes to UOB one account (she has moved $25,000 from SCB e-saver that gives her 1.25%  to UOB one account which giving her an effective interest rate of 2.43%).  On the bad side, it appears that she is locking up a rather large amount of cash with the banks.

笨mummy had decided to rebalance her portfolio by reducing the retail bonds that she is currently holding. She had disposed the following bonds that are trading below $1:
- Aspial (BEYZ) disposed at $0.955
- Oxley MTN (BJFZ) disposed at $0.995

Reason for doing so is that given that the interest rate is on a upward trend, the coupon payout % for these retail bonds no longer justify for the amount of risk to be taken. Secondly, 笨mummy must also admitted that the decision was in a way partially influenced by the recent Hyflux incident. Although the amount affected was considered not a lot as her total cost was only $6,800, it still left a bad taste. 

The proceeds from the sales of the retail bonds would like to be put in another high yield saving account while waiting for a chance to deploy them to buy shares when opportunities arise.

The total dividend to-date after adding Aug dividend is $10,833.20. This amount is 17% or $1,594.92 more than Aug 17 total dividend.  


Dividend / interest for month of Aug 18:  
M1 - S$ 1,040
Keppel Corp - S$ 300
CDL H Trust - S$ 456.86
Suntec REIT - S$ 247.40
Ascott Trust - S$ 351.12
Aspial Bond - S$ 52.07
Mapletree GCC - S$ 111.70
Capital Mall Bond (3.08%) - S$ 76.37
ST Engineering - S$ 550

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 Aug 2018	S$ 3,185.52
Dividend received in Yr 2018 to date	S$ 10,833.20

Updates for Jul 2018

This is the month that 笨mummy received $0 dividend from her investment. But on the bright side, she would be getting a bit of her pro-rated bonus which slightly less than half a month plus she also been told that she would be expecting an increment of 6%. Not so bad to get an increment after working for 6 months. 

Work-wise, she is also relatively busier than previous months due to more works slowly coming in. She is managed to bond better with the rest of the team and that entitled her to some updates on the latest happening. 

Investment wise, 笨mummy has not been taking actions for a while mainly due to the lack of fund as she is pouring money to her retirement portfolio, locking up some funds to maximize her & hubby DBS Multiplier Account to achieve 3.5% interest which is a relatively good return for a low risk “investment” and also to increase her saving with UOB one account by $25,000 to continue to enjoy the 2.44% interest.. With SIBOR going up, she is also looking at opening a CItibank MaxiGain Account to build up the bonus interest and moving some of her fund from SCB esaver at the later stage when the base plus bonus move above 1.5%. 

If you can get a low risk or even risk free return of 2% to 3.5%, there is really little motivation to pour the money in the market for a riskier 5% -6% return. 笨mummy is getting lazy these days...

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 Jul 2018	S$ 0
Dividend received in Yr 2018 to date	S$ 7,647.68

Updates for May 2018

On a personal level, it is a hectic month of May with Child 2 starting childcare. A lot of crying during school as expected and a lot of “activities” waiting at home when the kids are back - feeding, bathing, coaxing to sleep, follow by laundry, household chores like sweeping and mopping. Work wise still in the “do nothing much” mode as workload is considerably low and time at office is not productivity used. 

Invest wise, it is a good month with a rather handsome amount of dividends (see below) coming in and there were some buyings activities in May as follows: 

- Subscribed to June 2018 SSB of $34,000 using two accounts and this coupled with the redemption of the Feb and April SSB as a mean to switch from low interest rate SSB to that of higher interest SSB
- Added 9,000 unit of Mapletree GCC at $1.21 before XD

Total dividend received for this month is sweet amount of $4,300+. .. How 笨mummy wishes that it is a monthly occurrence. ☺️
The only bad new in May is due to Hyflux. Having $8,000 vested in its preference shares and having a possibility of writing off if things never improve is a rather painful thought but this could happen. 

Dividend / Interest for the month of May 2018
Ascendas REIT - $1,418.40 
Ascendas India Trust - $85 
DBS Pref Share - $233.07 
FLC Bond - $181
Keppel Corp - $280 
Kingsmen Creative - $75 
Mapletree GCC - $453.1 
NERA - $75 
Oxley Bond - $123.97
SPH -$120 
ST Eng - S$1,100 
Suntec REIT - $243

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 May 2018	S$ 4,387.54
Dividend received in Yr 2018 to date	S$ 7,190.94

Updates for Apr 2018

Another month has passed at work. Work is boring.. almost literally as 笨mummy has the least work much amongst her peers to do on hand. There is really not much work to be keep her occupied at work. She is bored to tears. 

She attended an internal manager meeting at work discussing on staff performance. She once again feel how cruel it is to be assessed, ranked and judged by people. Although she was not the one being assessed, she could feel the pain to be inflicted to a person that is the centre of other people’s judgement. In many instance she feels that managers fail to undertake the role to nurture like a mother to a child and rather adopted the role of judge to pass judgement on people based on their own set of invisible rules. 

Just because a person is working for an organsiation and need to report to someone else above him (like a manager), it does not give the manager a right to judge him. Both persons are employed by the same organisation and both contributing in his own to the organisation. Being of a higher rank or position does not make you any better than the other. 

Anyway 笨mummy's "judgement day" is also coming soon in May and the feeling of waiting to be judged suck. Maybe she may end up deciding to go or being ask to go. 

Enough of ranting, let provide the financial update for Apr 18. Actions in this month are: 

- managed to get $10,000 Apr 18 SSB but missed to apply for the May issue as she clearly forget about the deadline

- bought 5,000 units of Ascendas REIT on 3 Apr @$2.60 and sold it on 9 Apr @ $2.70 for a quick profit. 
- Dividend this month is good. But expecting a better in May as a few REITs she owns are giving out dividends. 

Dividend / Interest for the month of Apr 2018
Hyflux Pref Share - S$89.75
Perennial Note - S$139.12 
M1 - $930.00

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 Apr 2018	S$ 1,158.87
Dividend received in Yr 2018 to date	S$ 2,803.40

Updates for Mar 2018

Mar is a depressing month for 笨mummy as the reality of going back to work trashing your self confidence was felt again by 笨mummy. Sometimes it is hard not to be affected by negative judgements on one work performance. The problem with back to the workforce is the constant judgements from peers and bosses on how one performed at work, it can range from the quality of work, the way one presents himself to the bosses and co-workers. It is unavoidable but still the feeling still suck. Being an introvert, 笨loves the research portion of her work but hate the clients facing part of her work and with a group of extrovert co-workers can be quite overwhelming for an introvert. 

She somehow missed the time when she was a SAHM where the only person that would judge her for the “work” is her own children and hubby. Maybe this is why there are so many get rich schemes and people queuing for 4D and TOTO so they could just be the lucky one who can get out of the rat race. Anyway 笨mummy is still under probation and if things do not work out, maybe she can go back to her SAHM life again end of June. And survive a bad record of not performing well for a probation. :(

After venting the frustration at work, it is time to share the cash inflow received. Overall a okay month with about $300 inflow. She also did a small trade in Mar to sell the 5,000 Ascendas REIT purchased in Feb at $2.67 and earning herself some pocket money. 

She also redeemed her 10,000 of Sept 2016 SSB and subscribed for the Apr 2018 issue, hopefully getting a better overall interest. In addition, she is keeping her fingers cross on the outcome of the Hyflux CPS and hope that the company would redeem these CPS in the coming April 18. 

Dividend / Interest for the month of Mar 2018

SSB Sep 17 - S$ 56.55
Ascendas India Trust - S$ 244.00

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 Mar 2018	S$ 300.55
Dividend received in Yr 2018 to date	S$ 1,644.53

Updates for Feb 2018

February is busy month with the CNY preparation consisting of spring cleaning, getting ready red packets, buying of CNY goodies and also an "exciting" period for the stock markets where we are seeing big dip in the stock prices and indexes. It could be quite a emotional time for some people especially those who just enter the market and never experience such huge drop in stock prices and indexes before. But it is a good thing that this “correction” ended rather quickly. 笨mummy guess that with automation, actions are taken much quicker and time frame for the “correction” is much shorter compared to the previous huge corrections that she has had experienced in the past. 

Here are the actions taken by 笨mummy this month: 

• Subscribed and received 20,000 of SSB for the Feb 2018 issue. 笨mummy treated this as a short term saving account since the first year interest of 1.55% is better than most banks FD. 
• Opened a DBS Multiplier Account in view of the higher interest rate. 笨mummy loves how DBS revamped this account. She has also blogged about it earlier. 
• Picked up 5,000 units of Ascendas REIT at S$2.57 this month using up about a portion of the fund 笨mummy reserved for stock purchases. It is always more prudent to buy in slowly as we would never know when the stock market would bottom. But 笨mummy is a bit sad that she did not manage to get ST Eng at $3.21 even though she entered a buy order for it. All she can do now is to wait for the boat to come back again so she can board. 

Dividend / Interest for the month of Feb 2018

Capmall Bond - S$ 77.63
Suntec REIT - S$ 260.40
CDL H Trust - S$ 542.72
Ascott Trust - S$ 410.30
Aspial Treasury Bond - S$ 52.93

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 Feb 2018	S$ 1,343.98
Dividend received in Yr 2018 to date	S$ 1,343.98

Updates for Jan 2018

January is a tiring month as 笨mummy returns to work and there are lot of things to get used to. After eight long months of not working, Microsoft Outlook now looking completely alien to her, so do all the other Microsoft Office Applications. Due to the nature of the company she  joined, she is required to dispose some SGX traded shares. 

Hence, she disposed her positions in the Netlink Trust and ComfortDelgro and decided to reinvest these funds to STI ETF (G3B), Singapore Bond ETF (A35) and VWRD (initially wanted to get IWDA but it is restricted due to the company policy). This is mainly inspired after reading the e-book written by a guy known as "Shiny Things" on the hardwarezone forum and coupled with the fact that the new company policies imposed  certain restrictions on the owning and disposal of SGX shares and investing in ETF is a better way of investment at this moment for her. She is committed to pump in $1000 a month to grow this portfolio and she added a new page to track the progress of this portfolio (decided to call it "Project X") 

She is also required to dispose her Singtel share purchased using her SRS account and resulting in a cash balance in the SRS account of S$30K+. Now she has a headache on how to use up the money sitting in her SRS account. 

January is a quiet month with zero cash in flow from dividend or interest. Let’s look forward to February where the majority of the REITs are issuing dividends. 

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 Jan 2018	S$ 0
Dividend received in Yr 2018 to date	S$ 0