2021/01 Investment Summary

Current Portfolio:-

HKG

4239: 400 (11/2023 maturity)

ETF

VT: 316.26(DRIP)

VWRA:853

AGGG: 6,152

ETD

GSLD:200 (1/2024 maturity)

MDLQ:200 (12/2024 maturity)

 

Portfolio Stock : Bond Ratio = 75.8 : 24.2 (4.2% deviation from target ratio)

Current P/L = (-278,726) -22.45% , -1.45% comparing to P/L previous month

The portfolio was already adjusted to be global exposure of stocks and bonds this month. I planned to increase the amount of VT to get more small cap exposure unless VWRA changed to track FTSE Global All Cap Index in the future. The remaining I-bond and ETD would be kept until maturity. 

In MPF account, total HKD$60,000 was invested into TVC account to reduce HKD$10,200 tax in upcoming 2021 / 2022 tax statement.

抽移卡和微創醫療

第一日孖展超購近200倍

慣例抽1手IPO,中就中,唔中亦無損失.

Jan 2021- Monthly Investment

Dividend at Dec 2020 : 377.9

Starting from this year, regular monthly investment is increased by 10% (i.e. 11,000). Summing with Dividend at Dec 2020, total amount of investment is 11,377.9.

Current ratio of VWRA and VT is ~ 3:1. Since exposure of VWRA is excluded all small-cap companies in the world, I will increase the amount of VT to increase those coverage of small-cap companies.

Buy VT: 15

Ratio of Stock and Bond = 76.3 : 23.7 (3.7% deviation from target ratio)

 

Salary Freeze this year

Not surprised, the top management of company announced salary will be freezed this year and bonus will be lowered.

Sold out all HK stocks

All HK stocks are sold yesterday. All returned cash will be deposited into First Trade for investing into VT & / BNDW.

Invest in MPF TVC account

Received salary with double pay of year 2019 today, i paid off all tax bill for year 2020 and credit card payout last month. The remaining cash on hand is invested into MPF TVC account. I target to max out the MPF TVC account and trim down tax for 10,200 this year.

Cash in Mox bank is already reached the max. limit to get interest. The internet generated from Mox will be withdrawn from Mox account at weekly basis as interest to invest in IB or First trade account.

Invest in VWRA

After selling 0175.HK last year and WSML yesterday, i put whole amount of cash into VWRA yesterday night. Although there is a drop in stock market yesterday, i am still confident to get market return from stock market through continuous investment.

WSML: (-2650)

VWRA: (+426)

Stock to bond ratio= 77:23

2020/12 總結及年度總結

現時組合:-

HKG

1270: 75,000

1881: 17,000

4239: 400 (11/2023到期)

ETF

VT: 301.26(DRIP+月供-opt1)

VWRA:427(月供-opt2)

WSML: 2,650

AGGG: 6,152

ETD

GSLD:200 (1/2024到期)

MDLQ:200 (12/2024到期)

 

本月計算出所需應急資金後,決定將部分股票(不論賺虧)賣出及整合至 VWRA和AGGG中, VWRA未能覆蓋新興市場的小型股, 只有等其ETF再調整持股或在First Trade戶口增持VT覆蓋小型股比例.

 

現時總投資為1,257,748 (未計算強積金).現時總投資回報為-267,679 (-21.0%), 比7月開始Blog記錄時的大約 -400,000 上升了大約 +132,000.

 

組合股債比例為: 73.1%:26.9%. 由於在轉愛爾蘭 ETF已做了再平衡,年度的再平衡操作不用再進行.

除了剛賣出0175的資金, 存放在親人戶口的現金和應急資金,大部分資金已投入市場.基本上預定的買樓基礎已初步完成,待有心水單位時可購買.

在稅務上, 年末已開始自願醫保和強積金TVC供款,TVC供款會投入至總額60,000以節省下年度10,200薪俸稅支出.