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| Based as at April 15, 2026 announcement- Excluding Endowus & Margin Financing Cost |
Looks like for upcoming Q2 2026, the dividends flow from my stock portfolios will be low again. The highest peak for dividends pay date for my portfolios are usually in the month of March and September. With the US Iran ceasefire negotiation still going on, I truly hope that it will at least get another 2 weeks to 1 month extension even if the 2nd round of peace talk failed to come to an agreement. My target of achieving S$1.3Mil gross investment at the end of 2026 seems to be in jeopardy.
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Diversification and Bonds
For the current stock market crisis triggered by the blockage of oil supply at the Straits of Hormuz, I guess I was lucky to have suffered only a slight decline in portfolio valuation This was mainly due to the following:
1. Focused more on Singapore and Hong Kong listed equities with only very tiny exposure to US equities which are way too overvalued in my personal opinion;
2. Diversification is important. I am currently holding onto around 25 equity counters and numerous unit trusts. Unit Trusts are important for diversification and reduces the incidences of going down to zero value should any stock in it faced total business collapse and
3. Having bonds inside investment portfolio does help reduces volatility. While this is basic common sense, retail investors like myself often struggle to buy bond directly as the minimum size to hold is often large and there will be insufficient diversification to avoid concentrated default risk. A bond fund thus solve this problem. I have been investing in Unit Trust funds under the Endowus platform.
Parting Thoughts
Let's enjoy the peace and quiet for another week before the deadline for US-Iran ceasefire expire and see whether Donald Trump and Iran will extend it further. While the expectation gaps between the 2 sides are still enormous, there are numerous signs that both wanted to end the conflict and find some common ground.
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