Friday, February 2, 2018

Child Portfolio - "Feb 18 - SG Transactions & Portfolio Update"

Back in 2014, we created a dividend portfolio for Baby B1.0 when he was born.

The whole idea was pretty simple - we wanted to take advantage of the power of compounding by investing early and reinvesting all the dividend income received into purchasing another basket of dividend companies.

Our idea back then was to eventually instill a habit and lead by example by teaching him the importance of investing from young which we will be certainly be involving him as he gets older. Since it is evident that his time horizon is longer than us and it is his money that we are helping to invest, we think that it makes sense that the investment is made towards a blue chip stock. After all, when he gets older and started to understand basic things about investing, it's probably more prudent to start with blue chips than small caps. At least, when things get tough, we have a powerful backing behind some of these selected blue chips.

Baby B2.0 was born in 2017 last year so we decide to follow through the same idea that we have with our first kid.

In fact, we just celebrated our son's birthday this past week so I thought I'd update the child portfolio since I've used this good opportunity to add a bit more into their funds.

You can see how over the years the number of units have grown steadily and how compounding has takes off nicely.



Baby B1.0 Portfolio (Age: 3 years and 8 months)

We've added 700 shares of Singtel this past week as we saw some opportunity to load them into a nice 5% yield over the long term. It's not a huge investment but over 20 years, I have no issue just letting it sit in the portfolio and receiving dividends after dividends. I am on the side that the dividend payout can be maintained over the next couple of years.

No.
 Counters
No. of Shares
Market Price (SGD)
Total Value (SGD) based on market price
Allocation %
1.
Comfortdelgro
6,500
2.15
13,975.00
85.0%
2.
Singtel
700
3.50
2,450.00
15.0%
Total SGD
16,425.00
100.00%


Baby B2.0 Portfolio (Age: 1 years and 0 months)

We've also accumulated 700 shares of Singtel into our Baby B2.0 portfolio to make it into a nice round lot.

No.
 Counters
No. of Shares
Market Price (SGD)
Total Value (SGD) based on market price
Allocation %
1.
Comfortdelgro
1,000
2.15
2,150.00
38.0%
2.
Singtel
1,000
3.50
3,500.00
62.0%
Total SGD
5,650.00
100.00%

You can see that the two companies are one that I am more familiar myself so I am able to manage the funds and adjust them if necessary. For the next few years, I'd still be actively managing the portfolio on their behalf.

Looking back, I think it was a good idea to create a portfolio for them since they were born and get this habit out both for them and ourselves so we make sure we allocate a good percentage of their income to it.

Thanks for reading.

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18 comments:

  1. I bought Singtel for my two sons in Nov and Dec 2017 too.

    ReplyDelete
    Replies
    1. Hi MIM

      Wow, add more add more!!!

      Delete
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  2. FYI I just follow what Dr Wealth does, for my second child. Do a RSP buying the Singapore ETF monthly. Given the long run way - I figure it should do well over time. For my first child, I bought a Insurance company endowment policy.

    ReplyDelete
    Replies
    1. Hi Apenquotes

      That's a great option as well, doing dca on the etf over the long run.

      I'm actively managing because I believe I can get a better return over the longer run than the etf but that's because I'm actively managing my own funds as well, for now.

      Delete
  3. do they have an actual account? how do you actually keep track which dividends belong to them and which to yourself if they are in the same cdp?

    ReplyDelete
  4. Hi ymerej

    I keep track via excel manually and update them.

    They can't have an account until they turn 18.

    ReplyDelete
  5. Hi B,

    When will B3.0 be coming?? Goodness! B2.0’s portfolio is nearly as much as mine while B1.0’s gave me a slap right in my face!!

    Jialat. This korkor lousy :(

    ReplyDelete
    Replies
    1. Hi Sleepydevil

      Haha I doubt project 3.0 will happen because my wife wants to stop at 2.

      You are doing very great yourself. At such a young age, you have accumulated what many didnt, including myself at your age. So im certain you will come out top :)

      Delete
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  6. Hi B,

    I am impressed that you have started investment for your sons at this young age! Like father like son, I believe they will do decently in investment in the future under your guidance.

    ReplyDelete
    Replies
    1. Hi Jiawei

      Thank you for your kind words. It's the parents greatest wish to see our children succeed in this world. Hope as parents we can play a small part of it.

      Delete
  7. Hi B,

    What a good head-start you have planned for your 2 kids.
    I only had around 9k when my parents passed me the angpao money collected since birth.

    Since they have a long way to go, would you consider dollar costs averaging method to grow their portfolio?

    ReplyDelete
  8. Hi B,

    Starting a path to forever financial freedom already! B1.0 and B2.0 should have their own blogs already. :P

    ReplyDelete
  9. Excellent idea starting a fund for your children. We only have a single fund we are trying to grow, but it is primarily to support our children when they are older too.

    ReplyDelete

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