Road to Financial Freedom - Singapore Stocks

I started my investment in Singapore back in 2022.

My objective to diversify my investment in Singapore apart from Malaysia as this is part of my investment risk management strategies as I do not want to expose my investment on a single country risk and Singapore are well known of their political and currency stability and furthermore they embrace to foreign investor friendly policy.

Singapore Portfolio

OCBC Bank

Average buying price at SGD 12.90

Quantity : 18,400

Market Value : SGD 15.30 x 18,400

SGD 281,520

RM 929,016

Capital Gain : 17%

Dividend Yield : 6.7%

Yearly Dividend amount SGD 15,824 (RM 52,000)

* I like OCBC as they do have their Great Eastern insurance arm apart from their banking business.

UOB Bank

Average Buying Price at SGD 29.30

Quantity : 6,500

Market Value : SGD 32.69 x 6,500

SGD 212,485

RM 701,200

Capital Gain : +9.6%

Dividend Yield : 6%

Yearly Dividend amount = SGD 11,440 (RM 37,637)

Wilmar International

Average Buying Price at RM 3.26

Quantity : 19,300 Shares

Market Value : RM 3.10 x 19,300

SGD 59,830

RM 197,439

Capital Gain : - 5%

Dividend Yield : 5.2%

Yearly Dividend Amount : SGD 3,281 (RM 10,827)

* Wilmar business model are sophisticated and it is the only stock under my portfolio which making losss.

Total Singapore Market Value : RM 1.827 Million

Total Annual Dividend : RM 100,464

Average Monthly Income : RM 8,372

In conclusion, the key success in dividend investment in Malaysia as below : 

1. This exclude some of the capital gain of the shares I disposed 

E.g YTL POWER / ALLIANZ / UNITED PLANTATION / 

MBMR / PUBLIC BANK / HLFG / TAKAFUL 

2. Cost of investment and time are the key criteria’s in dividend investment for us to obtain a much higher dividend yield compare to other investments.

3. Another advantage of investing in dividend investment is we can wait for share price appreciation and we can enjoy high dividend at the same time compare to stocks that does not give you any dividends or dividend lower than FD.

Maybank

 Malaysia Portfolio

Maybank 

Average buying price at RM 7.00 

Quantity : 151,800 shares

Market Value : RM 1.6 Million 

Capital Gain 50%

Dividend Yield : 8.5%

Yearly Dividend amount RM 91,080

* I have been subscribing to every dividend reinvestment plan to lower down my cost of investment

Besides, Maybank insurance arm Etiqa with strong growth yoy

Etiqa is No.1 general takaful player and online general insurance and Takaful player in Malaysia with 53% market share.

Return on equity : 10.8 %

Earning per share 77.6 cents

Group CETI capital ratio : 15.34%

Road To Financial Freedom - Malaysia Stock

I started my Investment journey in 2005 almost 20 years back.

Throughout this journey i experienced gain and loss / sleepless night etc before I practising long term value investing method.

Our thinking and mindset determine our success in investing.

If you invest like a business owner you will end up owning a business but if you invest like a punter you will quit this game and end up with huge losses.

My rule is take the lowest risk possible to obtain good return or in other words margin of safety.

The keyword is take low risk compare to others. 

But how ?

1. Buy during stock market crash

Example during 2008 sub-prime crisis / Covid 2019 etc

In short we must have patient to wait and take charge when opportunities come.

2. Buy companies with deep discount which have stable business but selling at deep discount.

Malaysia Portfolio

Maybank 

Average buying price at RM 7.00 

Quantity : 151,800 shares

Market Value : RM 10.54 x 151,800

RM 1.6 Million 

Capital Gain : 50%

Dividend Yield : 8.5%

Yearly Dividend amount RM 91,080

* I have been subscribing to every dividend reinvestment plan to lower down my cost of investment

Rhb Bank

Average Buying Price at RM 5.40

Quantity : 119,000 Shares

Market Value : RM 6.45 x 119,000

RM 767,550

Capital Gain : +19%

Dividend Yield : 7.4%

Yearly Dividend amount = RM 47,600

HL Industries

Average Buying Price at RM 8.90

Quantity : 22,000 Shares

Market Value : RM 13.46 x 22,000

RM 296,120

Capital Gain : +51.20%

Dividend Yield : 12%

Yearly Dividend Amount : RM 23,540

Total Malaysia Market Value : RM 2.66 Million 

Total Malaysia Capital : RM 1.9 Million 

Capital Gain : 40%

Total Annual Dividend : RM 162,220

Average Monthly Income : RM 13,518

Dividend Yield : 8.5%

In conclusion, the key success in dividend investment in Malaysia as below : 

1. This exclude some of the capital gain of the shares I disposed 

E.g YTL POWER / ALLIANZ / UNITED PLANTATION / 

MBMR / PUBLIC BANK / HLFG / TAKAFUL 

2. Cost of investment and time are the key criteria’s in dividend investment for us to obtain a much higher dividend yield compare to other investments.

3. Another advantage of investing in dividend investment is we can wait for share price appreciation and we can enjoy high dividend at the same time compare to stocks that does not give you any dividends or dividend lower than FD.