Hello Grasshoppa,
From time to time, I will be going through my investment portfolio to check on my investment profitability. There will also be time where I will be doing some rebalancing on my investment portfolio but I never actually got into detail on my yearly profit. The current uncertainties & rough situation in the market recently have driven me to take extra step to look into my 2019 investment return.
Honestly with the uncertainty in 2019, my investment portfolio has been on a roller coaster ride. It went from green to red & back to green again. As December 2019 started to approach, my overall investment portfolio dropped to red. Is it a good thing or bad thing? Bad thing is, my overall portfolio is losing money. The good thing is, it means that I have a good opportunity to invest more as I may find some good bargains in some company stocks.
What Are My Top 5 Investments With The Best Profit?
Stocks : Ranhill
I started to invest in Ranhill in early 2018 when their average price was below RM0.50. I continued to buy it throughout the entire 2018 whenever I have extra cash. In 2019, their stock price started to shoot up as high as RM1.40 & as of December 2019, the stock price was around RM1.00. That gave me 100% profit for my overall investment.
Gold
I started to invest in Gold via CIMB Gold since early 2017. Average gold price since 2017-mid 2019 was around RM175/gram. Since June 2019, gold price started to increase to averagely RM200/gram. Part of the reason why gold price is high is partly due to Trade War between USA & China & also due to Covid-19 Pandemic. Usually whenever there’s instability in the market, that’s where gold price will shoot up. A time of writing, currently gold is trading at RM237/gram. With the current gold price, I am making around RM37/gram or 16%.
StashAway : Risk Index 36%
I was introduced to invest in StashAway after my meeting with their General Manager Wai Ken & Albert in November 2018. That’s where I sold all my mutual fund to invest in StashAway. Since I am investing in a few other investments platform that is exposed to average risk, I decided to set the highest risk for my StashAway investment. As of December 2019, I am earning around 22% investment return. That was beyond my expectation for my first experience with Malaysia first robo-advisor in Malaysia.
AmPRS – Asia Pacific REITs – Class D
I started to invest in PRS when I read about the incentives of PRS such as RM1000 incentive when you invest RM1000 in PRS. During that time, I was excited about their RM1000 incentive since I am able to earn RM1000 with RM1000 contribution. That’s 100% profit. Let’s not forget their Tax Relief that you are able to enjoy with maximum RM3000 contribution. Based on FSMONE risk profile, PRS has the highest risk. As of 2019, I am getting 13% return for my PRS contribution. That is even better return compared to my EPF return.
P2P : Fundaztic & Funding Societies
I have a love hate relationship with both companies. Honestly the return is really good if there is no default rate but whenever there’s default, I am risking a portion of my borrowing as there is no guarantee that the borrower will return the money. Of course they will do their due diligence but there’s still high chance of default. One thing about P2P is, there is plenty of notes available but there are lots of investors too. By the time I’ve done my due diligence on the borrower profile, the notes may have be fully funded by then. No doubt, their investment return is still high but with high risk. My average investment return after default is at 10% for 2019.
Conclusion :
Looking back at 2019, the first 6 months were good followed by subsequent 6 months of uncertain market. When I attended an investment seminar in 2017, the investment guru actually mentioned that we may see some shaky situation with Donald Trump as the President of USA. There are also other factors that we can look at which is the market cycle. The pandemic also have caused some disruption in the market but it is still to early to tell where the market is heading. The last economic downturn happened in year 2007-2008 which many expect to see it happen again in 2018. That was based on the historical trend of economic downturn of every 10 years. As we can see, 2020 economy is pretty unstable with the Trade War, Political Instability & Covid-19 situation.
What can we do from here? You can check out my previous article that I wrote on 7 Things You Can You Do To Survive A Falling Market & What Can You Do With Your Investment & Money During Political Instability & Covid-19 Situation.
OSS!