Friday, 15 May 2015

Sample Global Investment Portfolios using Cash, CPF, SRS









Sample Global Investment Portfolios (using CASH, CPF and SRS)


I've been posting rankings of Top Global funds for a while now and some people are wondering how exactly these funds perform in an actual portfolio. 

In general, not all funds listed under the top 10 list are the funds that may be recommended to be part of the an individual's portfolio. The reason behind this is that some funds may not have a long track record, the fund requirement is too high for a retail investor or simply the fund is outperforming because it is taking a lot more risks than it's peers.

In the examples below, I have given several portfolios funded using different methods. The most common method is using CASH while the other two (2) methods are only available for Singapore based residents. All portfolio returns were taken on April 20, 2015.

Some definitions and background of the other two (2) methods:

1. CPF stands for Central Provident Fund which is a social security savings plan. It is a compulsory comprehensive savings plan for working Singaporeans and permanent residents primarily to fund their retirement, healthcare, and housing needs. 

I met quite a number of Filipinos who are already Singaporeans or Permanent Residents and are not aware that they can actually still grow their CPF to outperform the savings rate given by the government as a default scheme.

Filipinos who are Permanent Residents or Singaporeans are eligible.

2. SRS stands for Supplementary Retirement Scheme. It is part of the Singapore government’s multi-pronged strategy to address the financial needs of a greying population to save more for their old age. It is a voluntary scheme to encourage individuals to save for retirement, over and above their CPF savings. The SRS offers attractive tax benefits and is operated by the private sector.

Contributions to SRS are eligible for tax relief. Investment returns will also be tax-free before withdrawal and only 50% of the withdrawals from SRS are taxable at retirement. More information can be found in my other article: "How Investing Can Save Up To 100% Of Your Taxes At The Same Time (for Singapore based Filipinos)"

Filipinos are eligible to participate in this scheme whether they are Foreigners, Permanent Residents or Singaporeans.

SAMPLE PORTFOLIOS

Sample 1: CASH

This is a diversified portfolio using CASH as capital. It only started around the first week of February 2015 and has an aggressive profile. Note that the owner's Russian fund is already up 30% while the China fund if up more than 16%. 

Portfolio Age: ~3 months

Sample 2: CPF

This portfolio is also a diversified portfolio using CPF. It started around 18 months ago (October 2013) with a balanced profile. Note that the client's China fund is already up 48%. All funds are now in positive territory except for one. Almost half of the funds are showing double digit returns.

Portfolio Age: ~18 months

Sample 3: SRS (Balanced Profile; Lump Sum Only)
This portfolio is using SRS (Supplementary Retirement Scheme). It allows individuals to reduce their income taxes while investing. It started around 17/18 months ago (October/November 2013) with a balanced profile. This is a "safer" fund, a bit boring but it is consistent. It's a unique fund as it is like a mutual fund of mutual funds. Suitable for busy people who just wants their money to grow without monitoring their portfolio too much. 

Portfolio Age: ~18 months

Sample 4: SRS (Aggressive Profile; Lump Sum with monthly contribution)
Sample 4: This portfolio is another one using SRS (Supplementary Retirement Scheme). It started around 14 months ago (February 2014) with an aggressive profile. Client placed a lump sum amount then contributes 1,000 SGD monthly. It has now generated almost 14% returns. This fund is similar to Sample 3 but more aggressive. It can still be considered a "safer" fund, a bit boring but it is consistent. It's a unique fund as it is like a mutual fund of mutual funds. 

Suitable for busy people who just wants their money to grow without monitoring their portfolio too much.

Portfolio Age: ~14 months

All the best to your investing! 
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UPCOMING EVENT/s:
On May 21, 2015 (Thursday):

If you are based in Dubai/Middle East or have friends in the area, invite them to join me on May 21, 2015.

For more details or to register for these seminars, please go to: http://goo.gl/EdZCqj

Sunday, 10 May 2015

Top Global Funds - April 2015

+47.38% YTD Performance of April 2015 Winner!


Catching up with the global rankings update, here is the latest one. 

Some funds are not valued exactly on the same date as each fund manager has their own timing on when to release their results as well as variations such as funds that only value their holdings once or twice a month.

The Q1 winner has now been trumped!!! Although the Russian funds still generated excellent returns on a year to date (YTD) basis e.g. 28.59% to 32.34%, the Chinese funds just dominated the top 10 global rankings by taking up 70% of the list with the top fund generating 47.38% returns. Seven (7) out of the Top 10 list are China funds while the rest are Russian. 

This is just a great reminder that people are rewarded when they diversify. Diversification can have two (2) main benefits: 

1.) Capturing Growth
2.) Reducing Risks

Unfortunately, the PHILIPPINES Equity Fund (Singapore-based fund manager) dropped from being ranked 25th and 27th to 219th and 221st. This is almost a free fall in the global rankings but nonetheless, one month performance does not determine the rest of the year. The highest performance YTD for local Philippine Equity Managers as of April 30, 2015 is 7.92%.

*Only the country, region or themes are listed. Specific fund names are not revealed for the general public 
**Each fund listed are managed by different managers unless the difference is based on currency 
***Only Retail and Accredited Investor (AI) funds available in Singapore are listed 
****Past performance is not an indication of future results 
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UPCOMING EVENT/s:
On May 21, 2015 (Thursday):

If you are based in Dubai/Middle East or have friends in the area, invite them to join me on May 21, 2015.

For more details or to register for these seminars, please go to: 
http://goo.gl/EdZCqj

Thursday, 7 May 2015

Q1 2015 - Top Global Funds (Mar 2015)

+25.25% YTD Performance of Q1 Winner!


After three (3) solid months of gains, we can now see a trend for the year 2015. It seems like Russia along with Europe and Japan are currently trending up. I still believe China has good potential for the year given the many changes happening there.

The PHILIPPINES Equity Fund (Singapore-based fund manager) mostly maintained their rankings in the mid-20s.

On the side note, Latin American funds suffered the most for Q1 2015. I'm expecting this to rebound in the future. Unfortunately, I cannot predict when that would happen. Small allocations to this region to be increased over time might be a good strategy moving forward but only for the brave souls.
*Only the country, region or themes are listed. Specific fund names are not revealed for the general public 
**Each fund listed are managed by different managers unless the difference is based on currency 
***Only Retail and Accredited Investor (AI) funds available in Singapore are listed 
****Past performance is not an indication of future results 
-------------------------------------------------------------------------------
UPCOMING EVENT/s:
On May 21, 2015 (Thursday):

If you are based in Dubai/Middle East or have friends in the area, invite them to join me on May 21, 2015.

For more details or to register for these seminars, please go to: 
http://goo.gl/EdZCqj

Sunday, 8 March 2015

Top Global Funds - Feb 2015


Changing of the Guard!


It's still early in the race for the top performing global funds in 2015 and in just two (2) months, the top global fund ranking have already changed. February was a very strong month for Russia such that it leapt from nowhere to sprint to almost 20% gain in just one month! I have been talking about this market since the Global Investment Outlook 2015 given in January and for those who pounced on the opportunity, they were greatly rewarded.

On other updates, the PHILIPPINES Equity Fund (Singapore based fund manager) dropped 14-15 spots compared to last month's ranking. Nonetheless, it's huge lead compared to other Philippine equity funds remains the same. It is the only known fund as of this writing that have garnered double digit returns so far in 2015. It's outperformance compared to the 2nd place fund for the Philippine category is more than 37%.

In other parts of the world, some surprising funds broke into the top 10 rankings (YTD): 

1. European property for example, seemed to have rebounded quite fast. 

2. Japan had a strong month which was also one of the recommended markets for the short term as mentioned in the Global Investment Outlook 2015. 

3. Europe while also recommended was more for the longer term play as they have not fully shown they are breaking out of their slow growth. The European market has been battered for a while and there is a chance of a good rebound just like what happened to the USA in 2013. 

4. India is maintaining it's momentum from last year's spectacular run where the top Indian fund generated more than 60% return in 2014.



*Only the country, region or themes are listed. Specific fund names are not revealed for the general public 
**Each fund listed are managed by different managers unless the difference is based on currency 
***Only Retail and Accredited Investor (AI) funds available in Singapore are listed 
****Past performance is not an indication of future results 
-------------------------------------------------------------------------------
UPCOMING EVENT/s:
On March 21, 2015 (Saturday):


If you are based in Dubai/Middle East or have friends in the area, invite them to join me on March 21, 2015.

For more details or to register for these seminars, please go to: 
http://goo.gl/6VmJ3w

On March 28, 2015 (Saturday):
It will be a small group workshop for 12 people only. The purpose is to have a more in depth application of one's personal finance which is more effectively done in a small group than in a big seminar. This is a First come, First Served event. More details below:

Becoming Financially Fit for Beginners 

Hands-on Small Group Coaching Session with Jess Uy
Date/Time: March 28, 2015 (Saturday) | 9:00AM to 1:30PM
Fees: Early Bird Promo: $50 | Regular Rate: $60 | 1-for-1 (2 slots): $70
Email seminars.jessuy@gmail.com for enquiries.

Tuesday, 3 March 2015

Global Investment Outlook 2015 - Part 5

Summary and Recommendations 2015

As I end this series, here are the general recommendations and summary for this year. Do note that you need to apply these based on your personal circumstances. Consult a licensed professional advisor if you need further guidance. 
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UPCOMING EVENT/s:
On March 07, 2015 (Saturday):
If you are based in Singapore or have friends in the area, invite them to join us on March 7 (back to back with DEBTERMINED SINGAPORE)

For more details or to register for these seminars, please go to: http://goo.gl/Z7bJMv


On March 21, 2015 (Saturday):

If you are based in Dubai/Middle East or have friends in the area, invite them to join me on March 21, 2015.

For more details or to register for these seminars, please go to: 
http://goo.gl/6VmJ3w

On March 28, 2015 (Saturday):
It will be a small group workshop for 12 people only. The purpose is to have a more in depth application of one's personal finance which is more effectively done in a small group than in a big seminar. This is a First come, First Served event. More details below:

Becoming Financially Fit for Beginners 
Hands-on Small Group Coaching Session with Jess Uy
Date/Time: March 28, 2015 (Saturday) | 9:00AM to 1:30PM
Fees: Early Bird Promo: $50 | Regular Rate: $60 | 1-for-1 (2 slots): $70
Email seminars.jessuy@gmail.com for enquiries.

Thursday, 26 February 2015

Global Investment Outlook 2015 - Part 4

Current Investment Landscape in 2015
Emerging Markets and Asset Classes

As promised, here is Part 4 of our series. This article will cover topics on Oil, GDP Growth Forecasts, 10 Years Market Performance of different asset classes, Emerging Markets Equities Valuations and Global Market Sentiment Survey.

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UPCOMING EVENT/s:
On March 07, 2015 (Saturday):
If you are based in Singapore or have friends in the area, invite them to join us on March 7 (back to back with DEBTERMINED SINGAPORE)

For more details or to register for these seminars, please go to: http://goo.gl/Z7bJMv


On March 21, 2015 (Saturday):

If you are based in Dubai/Middle East or have friends in the area, invite them to join me on March 21, 2015.

For more details or to register for these seminars, please go to: 
http://goo.gl/6VmJ3w

On March 28, 2015 (Saturday):
It will be a small group workshop for 12 people only. The purpose is to have a more in depth application of one's personal finance which is more effectively done in a small group than in a big seminar. This is a First come, First Served event. More details below:

Becoming Financially Fit for Beginners 
Hands-on Small Group Coaching Session with Jess Uy
Date/Time: February 21, 2015 OR March 28, 2015 (Saturday) | 9:00AM to 1:30PM
Fees: Early Bird Promo: $50 | Regular Rate: $60 | 1-for-1 (2 slots): $70
Email seminars.jessuy@gmail.com for enquiries.

Wednesday, 25 February 2015

Global Investment Outlook 2015 - Part 3

Current Investment Landscape in 2015
Emerging Markets and Asset Classes

For the seasoned investors, we all know that real growth is in the emerging markets. However, those who venture into this space must also be prepared for the volatility (market swings) that comes along with it. A good diversified portfolio is a mixture of developed and emerging markets to counterbalance each other and make the ride to growth smoother.

In this section of the outlook (Part 3), I will be covering selected areas on Emerging Markets and Asset Classes. These will include China's Growth Moderation, Asia's Inflation Rate, European Bonds, Bond Bursting, Global vs Emerging Market Equities and USD vs other currencies (currency).

Part 4 will cover Oil, GDP Growth Forecasts, 10 Years Market Performance of different asset classes, Emerging Markets Equities Valuations and Global Market Sentiment Survey.

-------------------------------------------------------------------------------
UPCOMING EVENT/s:
On March 07, 2015 (Saturday):
If you are based in Singapore or have friends in the area, invite them to join us on March 7 (back to back with DEBTERMINED SINGAPORE)

For more details or to register for these seminars, please go to: http://goo.gl/Z7bJMv
On March 21, 2015 (Saturday):

If you are based in Dubai/Middle East or have friends in the area, invite them to join me on March 21, 2015.

For more details or to register for these seminars, please go to: 
http://goo.gl/6VmJ3w
On March 28, 2015 (Saturday):
It will be a small group workshop for 12 people only. The purpose is to have a more in depth application of one's personal finance which is more effectively done in a small group than in a big seminar. This is a First come, First Served event. More details below:

Becoming Financially Fit for Beginners 

Hands-on Small Group Coaching Session with Jess Uy
Date/Time: February 21, 2015 OR March 28, 2015 (Saturday) | 9:00AM to 1:30PM
Fees: Early Bird Promo: $50 | Regular Rate: $60 | 1-for-1 (2 slots): $70
Email seminars.jessuy@gmail.com for enquiries.