Investment Portfolios Updates (13 July 2026) - Net Investment of S$945K and Projected Annualised Passive Income of S$49K.

Hi Folks, welcome back to Investment Income For Life. Well, not much changes to my tragic & miserable career while praying for a huge retrenchment package during an upcoming corporate M&A integration exercise. The only interesting thing that happened to me is that my luck has improved a bit. I am extremely happy with the recent S$10Mil plus Toto draw- I managed to strike 3 Prize 6 and 1 Prize 7 for a total of S$85 win with an investment cost of S$35! Anyway, it has been 3 months since I last updated my portfolios. Unfortunately, not much changes to my overall portfolios valuation. The US vs Iran "on and off" war has the stock markets going up and down like a see-saw. Another reason is the prolonged slump in SREITs that continued to have a huge drag on my portfolios. As you all can see, more than 50% of my portfolios are tied up heavily in real estate related equities. My investments into Technology and AI stocks made up about 15% of my overall gross portfolios and are concentrated in the Hong Kong Stock Exchange (Alibaba, JD.com & BYD) as I am worried about the overvaluation in US AI play thus staying far far away.

1. Portfolio 1- Stocks Held in SGX Central Depository 

2. Portfolio 2- Margin Purchased Securities
(Note: My margin purchased securities has grown to a sufficient scale to sustain itself and can pay off annual financing charges as well as to gradually pay down the margin loan through the dividends generated.) 

The long term plan was to pay down the margin loan. However, events proved too tempting during the recent price correction. Hence drew down additional S$10K of margin loan.

3. Portfolio 3 (with Tiger Brokers and MooMoo) 

(Venture into higher risk as well as capital growth stocks here)

Bought additional 300 shares of Alibaba at HK91 to HK107 per share when 9988 crash recently. It has since recovered to HKD110 per share as at 14 July 2026. Also took some profits off Link REIT and used the proceeds to purchase 200 shares of BYD at HKD91 per share during the recent Hong Kong Tech stocks slump.

4. Portfolio 4 (Endowus Unit Trusts & Other Investments)

The overall portfolio value grew by SGD 8,550, rising from SGD 111,386 to SGD 119,936. This growth was primarily driven by targeted capital additions across several Endowus funds, while the quantity of NTUC Income Shares remained unchanged.

Parting Thoughts

While many investors have proclaimed more than 100% massive gain in capital from investing in memory stocks such as Hynix and Samsung, I will continue to minimise my exposure to growth stocks and continue my dividend investing path. Many of those who FOMO and suddenly jumped into the memory stocks bandwagon suddenly found themselves facing market crashes that has gone on for 2 weeks already. I guess I am lucky in the sense that my current holdings have already declined for years hence overall, my portfolios continued to hold well during this period of grave volatility.