Investment Portfolios Updates (31 Oct 2025) - Net Investment of S$910K and Projected Annualised Passive Income of S$48K.

A rising tide lifts all boats indeed. My net investment portfolio jumped by almost +S$100K within 2 months (from S$813K to S$910K) mainly due to the rise of Alibaba AI and Cloud play as well as the revival in Singapore REITs. Gross investment is now at another record high of S$1.179Mil.

1. Portfolio 1- Stocks Held in SGX Central Depository 

Not much changes here except for the higher market valuation. Unfortunately, there is very little changes in the amount of projected dividends.

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.) 

Keppel Ltd has been delivering a super impressive profit growth of 25% (if we normalise and exclude the one-off recorded loss for sales of M1) for the 9mth ending 2025. In addition, have subscribed for 5000 excess units of Keppel Date Centre REIT ("KDC") and managed to get all- please see here for the past blog post I made.

3. Portfolio 3 (with Tiger Brokers and MooMoo) 

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

Have foraged into an additional new stock BYD here that is manufacturer of EV cars and batteries. BYD is one of the few contenders out there (besides Toyota and CATL) that is on the verge of successful mass production of the next generation of EV solid state battery. Solid state batteries is the next stage evolution for EV or arguably the “holy grail” of EV which will enhance mileage by at least 50% and significantly improved recharging time-please refer to my previous post in 2018 regarding the first working prototype of solid state battery. Unfortunately, the mass production has been filled with enormous technical challenges hence mass market adoption projection is expected to be around 2027 or even 2030. 

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

I have added investment into 2 new unit trusts via Endowus, that is the (i) Allspring Global Equity Enhanced Income Fund and the (ii) Franklin Gold and Precious Metals Fund. 

Parting Thoughts

Currently, my growth strategy investment is on Alibaba and BYD in China market. I continue to stay away from the US market (except for a small stake in United Healthcare Group). Overall, I am still committed to my dividend passive income strategy and continue to build it up gradually by increasing stakes in Unit Trusts to ensure sufficient diversification. 

Ok. that's all for today Folks. Have a great week ahead!

Venturing Into BYD (Build Your Dream) EV Stock.

Crypto crashed last Friday (Oct 10, 2025) with US$19 billion in valuation being wiped out and 1.5 million folks, in particularly those heavily on leverage, are being margin called and forced to sell off their coins during the worst part of the storm. While most Crypto later rebounded, many Crypto investors had already lost their fortune through forced liquidation at the worst possible time. The stock market is expected to also dive sharply on this week (Oct 13, 2025 onwards) but surprisingly, the decline seems to be a gradual drop in valuation. Nevertheless, there is still some decline in prices for stocks and I decided to add into a new counter, that is, BYD (HKEX: 01211) from the Hong Kong Stock Exchange. 

1. BYD is clear market leader in EV with its own vertical batteries development and sales of EVs

There has been reports online that the new generation solid state batteries are undergoing live testing and maybe giving a range of over 1,200 km in single charge. This is more than 2 times the current range. The current practical range offered by EV is between 400km to 480km which is sufficient for 4-6 days for family usage. The new EV solid state battery from BYD will mean that going forward, drivers will only need to charge their cars once every 2 weeks instead of 1 or 2 times per week. Singaporeans travelling to Malaysia KL or Genting will also be able to complete a back and forth trip without charging their EV. Trial production of BYD EV retrofitted with solid state battery is being planned for 2027 while mass production is targeted for 2030.

So far, BYD, CATL and Toyota seem closest to the completion race of mass production technology of the solid state batteries.

Moreover, since 2024, BYD has surpassed Tesla in terms of EV production and sales. Many countries are also in the midst of phasing out internal combustion engines ("ICE").

BYD Sealion 7 With 480KM Range

2. BYD EV Cars Offer Good Quality and Value

I used to own and drive Japanese cars like Honda and Mazda. Recently, my Mazda car's COE came to an end and I have to look for a new replacement car. For environmental sustainability purpose, I decided to switch from ICE to EV propulsion. After going through many EV brands, I finally settled on BYD. Main reason is cheapest price and the bunch of features thrown in which offers the best value package.

I believe that BYD has its competitive advantage in production due to it producing many of its own components. Also it has been able to attract various international talent like Wolfgang Egger, BYD's Global Design Director. Egger is a renowned automotive designer who previously led design teams at luxury brands such as Alfa Romeo, Audi, and Lamborghini. 

BYD Seal

Parting Thoughts,

Many analysts seems to be projecting 50% or 100% increase in price target (HKD150 to HKD200 +). So, I have decided to start building up a position in BYD.