Snapshot of my allocation for investible net worth.
Equities (stocks and shares on SGX): 62%
Fixed Income (Singapore Goverment Securities and Corporate Bonds): 10%
Cash and cash equivalents (CE): 28%
Part of my monthly tracking of how my asset allocation changes.
Key change is in fixed income. Also trying to have less equities since core holdings has been established. Will be selling off marginal holdings if can make some kopi $$$. 
Be well and prosper.
The start of the calendar year brings with it the risks and opportunities as I seek to achieve a return beating inflation for 2012. In 2011, total inflation hovers around the 5.7% figure so if my investible net worth portfolio was to beat this 5.7% figure, I would have to rely on dividend income plus some tactical punts to achieve that returns.
My net realised returns for 2011 was about 4.7% which barely kept up with total inflation. However, it did beat my internal benchmark of 2 x fixed deposits (12 months banks FD rate) interest rate of 0.4%.
As the year draws to an end with Christmas around the corner, we are only two weeks away from the end of 2011 and the start of 2012.
How has the year been for you in terms of financial freedom?
It has been an interesting one for me and this post will give a short summary of how I’ve fared in livng the principles of financial freedom.
I attended my second annual general meeting (AGM) of Singapore Press Holdings Limited (SPH) which constitutes 70% of my equity portfolio. It is the single largest shareholding in the basket of shares that I own. Attending a company’s AGM is one of the rare occasions where you as a shareholder can ask questions to board and management of its performance for the year as well as other related topics.
On a more practical level, attending SPH’s AGM allows you to get complimentary copies of the daily newspapers such as Straits Times, Lian He Zao Bao, New Paper and Business Times as well as have a free bento lunch after the AGM.
Even as the calendar year 2011 draws inexorably towards a close with two months plus left before 31 December beckons, I realise that if I do nothing now, I will end the year with a realised returns of 4.5%.
In fact, I should not buy any more equities now and take bigger positions on the market because most of my returns will come from dividends — truly a form of passive income. The more I trade or try speculative punts, the more I risk losses on capital due to market moves south in tandem with the general global negative outlook over European debt problems and possibility of US and world slowdown or even recession in 2012.
Is doing nothing a strategy?