Friday, March 25, 2016

Child Portfolio - "Mar 16 - SG Transactions & Portfolio Update"

I've made some small purchases lately for the child portfolio so I thought I made a quick update here.

In the past week, I've invested his share of money into the STI ETF (ES3) at $2.85 for 300 shares which I thought was reasonably priced here for the long term. This is in addition to the previous holdings he has in his current portfolio which I have updated almost a year ago (Link Here) when he was 1 year old. How time has flies.

The intention of the child portfolio was relatively straightforward.

Every year, he'll most likely receive his fair share of "ang bao" during the chinese new year and birthday occasion from relatives, grandparents and us (parents). Instead of putting this money into his savings account, which my parents did when I was younger, I decided to go ahead with the plan of placing it into equities. There are some others I know that has the same plan but to put this into endowment, unit trusts or even CPF. That works equally as well.

I am not overly ambitious with the projected returns with this portfolio and while my target is to hope for a 6% returns (inclusive of dividends) per annum and if I can do that for the next 20 years, I think I'll manage to churn out at least $100k by the time he turned 20. Again, everyone seems to think that $100k is a big number but it's just how the logic of compounding works. Start at 20, you'll be great by the time you are 30. Start at 0, you'll be amazed by the time you are 20.





Child Portfolio

No.
Counters
No. of Shares
Market Price (SGD)
Total Value (SGD) based on market price
Allocation %
1.
ST Engineering
3,000
3.19
9,570.00
92.0%
2.
STI ETF
300
2.85
    855.00
  8.0%


Total


10,425.00
100.0%


Our idea of doing this is to instill a savings habit when he is young and as he grows older, I will be working with him on a lot more day to day habits on encouraging savings such as the dollar to dollar matching, delayed gratification and such. I think instilling investing will be far stretched but I wanted him to get the basic habits right in his mind first.

In the meantime, I'd like to again show the below example to others who has not seen on how compounding can actually works wonder.



28 comments:

  1. Hi B,

    My wife ask me want to invest our son's Ang Bao a not.

    I said no need everything also invest la, damn scary u know. I invest, u invest, we already had endowment for him ... Better keep our rental income and his Ang Bao money rotting then experience roller coaster

    No right and wrong k... Just sharing :)

    ReplyDelete
    Replies
    1. Hi SI

      Hahaha, yeah it makes sense if you already had an endowment plan set for him. It works approximately the same way actually. They give you your fixed returns while they invest the rest to ensure they could give you higher non fixed returns. If the whole world crashes down, we won't get to see anything left anyway.

      No right and wrong, I think it's a personal preference ;)

      Delete
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  2. Good that you start early. During the Feb low, I have also invested my kids savings equally into 3 stocks, i.e. OCBC, M1 and Keppel Corp. With 10 years horizon, I hope they can achieve 11% CAGR by re-investing all the dividends.

    ReplyDelete
    Replies
    1. Hi Anonymous

      Wah, that's a brave step and good thing to do. Since they probably do not need these money for a very long time, I think it's a good way for the money to work harder now.

      Delete
  3. Dear Sir,
    May I know if this is the STI ETF (ES3) you are refering to ?
    https://sg.finance.yahoo.com/echarts?s=ES3.SI#symbol=ES3.SI;range=1y
    Is the management fees high ?

    http://www.spdrs.com.sg/etf/fund/fund_detail_STTF.html#
    Fund Performance
    MONTH END
    As of 29 Feb 2016 QUARTER END
    As of 31 Dec 2015
    1 YR -18.96% -11.87%
    3 YR -3.99% -0.65%

    ReplyDelete
    Replies
    1. Hi Anonymous

      Yes this is the one (ES3).

      It hasn't performed very well over the last decade but I guess the timing of the peak and trough does matter also in the evaluation of its performance.

      Delete
  4. Hi B,
    Good parent you are. We are really the sandwiched generation, must think about parents, must think about children :D

    ReplyDelete
    Replies
    1. Hi Ella

      Thanks, I guess I am just trying to educate the right mindset to him. Once he get that right, I will wash my hands off knowing he will be in good hand.

      Delete
  5. Great initiative to have a Child Portfolio! Never have thought of it but now I am seriously thinking of starting one now! Thank you for sharing!

    ReplyDelete
    Replies
    1. Hi Max

      Thanks :)

      I think it's definitely a good consideration since time is on their side.

      Delete
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