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SG Young Investment Shares His Portfolio And Advice For Investors

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Is it possible to save $100,000 by the age of 28?

SG Young Investment started writing about his investment journey at the age of 25, back in the year 2013. From then, he set high targets for himself when it comes to investing. Always trying to attain at least a return of 8% per annum from his investments,

SG Young Investment managed to save S$100,000 by 28 years old and here’s how he did it in 3 years.

  • By saving S$1,300 per month, which works out to be S$46,800 in 3 years
  • Adding in his bonus of S$20,400 in total, giving him a total saving of S$67,200.
  • Further investing his savings of S$30,000, aiming for a return of 8% for 3 years to attain an addition S$7,200 in returns.
  • All these gave him a total of S$104,400 in 3 years!

In this article, we have SG Young Investment share his investment portfolio and advice for investors.

What percentage of your monthly income do you invest?

I do not have a fixed amount to invest per month. I will normally save up a portion of my salary and invest only when I find some good companies to buy at attractive valuations.

What do you look for when choosing the right instrument to invest in? 

I mainly invest in stocks and I look out for two things:

  • Good fundamentals: I like researching on companies so I look for companies with good fundamentals
  • Economic factors: I also look out for any changes in the economy such as the sectors which are going to do well potentially base on government policy changes or increased demand for the services. 

Can you share with us a quick overview of your Portfolio?

My portfolio now consists of three layers:

  • Retail REITs as the base: REITs that I have invested in include CapitaLand mall trust, CapitaLand commercial trust, Suntec REIT, Frasers Centrepoint Trust. All these provide good stable dividends for cash flow in my portfolio.
  • Hospitality REITs as the next layer: Such as CDL Trust, Far East Trust. In my personal opinion, I believe that the hospitality sector has hit a bottom and will recover in 2018.
  • Additional other layers: I also recently bought into Comfort Delgro believing that the valuations are attractive and hopefully it will survive the competition in the taxi industry. Previously I owned some Japanese REITs such as Saizen and Croesus Retail Trust which were both acquired at a premium.

warren-buffett

Any advice for Singaporeans who are just getting started on their Investment journey?

Investing is a life long journey.

Focusing on short term gains will not be advantageous to an investor. When we focus on the long term, the portfolio tends to do better over the years. Having been investing for the past 8 years or so, I would say your investment capital is the most important for a more successful investing.

The more capital we have, our investments will make more sense as we are able to structure it better. This leads us to the importance of our income. With more income, we can save more and also have a bigger investment capital.

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