Do you really think November will have big movement ?

17 months performance of the above portfolio for Ramjade

Original cost @20/5/2019 = S$70,793.14

1 month @ 19/6/2019 = S$72,774.43 +S$1,981.29 or +2.8%
2 month @ 19/7/2019 = S$74,903.73 +S$4,110.59 or +5.8%
3 month @ 19/8/2019 = S$71,074.40 +S$281.26 or +0.4%
4 month @ 19/9/2019 = S$71,681.45 +S$888.31 or +1.2%
5 month @ 19/10/2019 = S$71,085.12 +S$291.98 or +0.41%
6 month @ 19/11/2019 = S$72,168.10 +S$1374.96 or +1.9%
7 month @ 19/12/2019 = S$72,125.79 +S$1332.65 or +1.9%
8 month @ 19/1/2020 = S$75,627.81 +S$4834.67 or +6.8%
9 month @ 19/2/2020 = S$76,981.88 +S$6188.74 or +8.74%
10 month @ 19/3/2020 = S$53,821.65 -S$16971.49 or -23.97%
11 month @ 19/4/2020 = S$63,627.88 -S$7165.26 or -10.12%
12 month @ 19/5/2020 = S$64,439.44 -S$6353.70 or -8.97%
13 month @ 19/6/2020 = S$69,067.12 -S$1726.02 or -2.44%
14 month @ 19/7/2020 = S$70,452.49 -S$340.65 or -0.5%
15 month @ 19/8/2020 = S$71,340.13 +546.99 or +0.8%
16 month @ 19/9/2020 = S$72,592.63 +1799.49 or +2.5%
17 month @ 20/10/2020 = S$73,089.80 +2296.66 or +3.2%

Portfolio continues to recover for the 3rd month.

3rd wave of Covid-19 is here for the whole world. Yet the stock market does not reflect it, but go opposite way

18 months performance of the above portfolio for Ramjade

Original cost @20/5/2019 = S$70,793.14

1 month @ 19/6/2019 = S$72,774.43 +S$1,981.29 or +2.8%
2 month @ 19/7/2019 = S$74,903.73 +S$4,110.59 or +5.8%
3 month @ 19/8/2019 = S$71,074.40 +S$281.26 or +0.4%
4 month @ 19/9/2019 = S$71,681.45 +S$888.31 or +1.2%
5 month @ 19/10/2019 = S$71,085.12 +S$291.98 or +0.41%
6 month @ 19/11/2019 = S$72,168.10 +S$1374.96 or +1.9%
7 month @ 19/12/2019 = S$72,125.79 +S$1332.65 or +1.9%
8 month @ 19/1/2020 = S$75,627.81 +S$4834.67 or +6.8%
9 month @ 19/2/2020 = S$76,981.88 +S$6188.74 or +8.74%
10 month @ 19/3/2020 = S$53,821.65 -S$16971.49 or -23.97%
11 month @ 19/4/2020 = S$63,627.88 -S$7165.26 or -10.12%
12 month @ 19/5/2020 = S$64,439.44 -S$6353.70 or -8.97%
13 month @ 19/6/2020 = S$69,067.12 -S$1726.02 or -2.44%
14 month @ 19/7/2020 = S$70,452.49 -S$340.65 or -0.5%
15 month @ 19/8/2020 = S$71,340.13 +546.99 or +0.8%
16 month @ 19/9/2020 = S$72,592.63 +1799.49 or +2.5%
17 month @ 20/10/2020 = S$73,089.80 +2296.66 or +3.2%
18 month @ 20/11/2020 = S$77,934.88 +7141.74 or +10.1%

Portfolio grew by 10% in 1.5 years, despite experiencing the worst threat to the existence of human kind in decades during this time.

Vaccine looks like will be available in the next year. I don't think the market will factor in the Covid-19 risk any more. It will be a thing of the past from the market's perspective. Those who didn't go in the market during the peak of the pandemic will very likely missed the opportunity of a life time.

It seems that risk averse investors who expect market will crash, will continue to wait for it to crash further. But in this case, market waits for nobody. Is this (waiting for crash) a good strategy ?

ramjade did you say something will happen in November ? I remember vaguely you said something like that....

19 months performance of the above portfolio for Ramjade

Original cost @20/5/2019 = S$70,793.14

1 month @ 19/6/2019 = S$72,774.43 +S$1,981.29 or +2.8%
2 month @ 19/7/2019 = S$74,903.73 +S$4,110.59 or +5.8%
3 month @ 19/8/2019 = S$71,074.40 +S$281.26 or +0.4%
4 month @ 19/9/2019 = S$71,681.45 +S$888.31 or +1.2%
5 month @ 19/10/2019 = S$71,085.12 +S$291.98 or +0.41%
6 month @ 19/11/2019 = S$72,168.10 +S$1374.96 or +1.9%
7 month @ 19/12/2019 = S$72,125.79 +S$1332.65 or +1.9%
8 month @ 19/1/2020 = S$75,627.81 +S$4834.67 or +6.8%
9 month @ 19/2/2020 = S$76,981.88 +S$6188.74 or +8.74%
10 month @ 19/3/2020 = S$53,821.65 -S$16971.49 or -23.97%
11 month @ 19/4/2020 = S$63,627.88 -S$7165.26 or -10.12%
12 month @ 19/5/2020 = S$64,439.44 -S$6353.70 or -8.97%
13 month @ 19/6/2020 = S$69,067.12 -S$1726.02 or -2.44%
14 month @ 19/7/2020 = S$70,452.49 -S$340.65 or -0.5%
15 month @ 19/8/2020 = S$71,340.13 +546.99 or +0.8%
16 month @ 19/9/2020 = S$72,592.63 +1799.49 or +2.5%
17 month @ 20/10/2020 = S$73,089.80 +2296.66 or +3.2%
18 month @ 20/11/2020 = S$77,934.88 +7141.74 or +10.1%
19 month @ 19/12/2020 = S$80,406.00 +9612.86 or +13.6%

Ramjade's portfolio grew by 13%, after a roller coaster ride in 2020. This is the highest return since inception.

A very good depiction of a portfolio experiencing highs and lows which could take years to witness, but we are lucky to see it in just under 2 years.

But in general it feels the stock market valuation is too high now. Is it really high now ? I am sure to risk aversed investors like ramjade, waiting for it to crash is still the best option. Let's see for another 6 months if this strategy works or fails again.....

This post has been edited by Showtime747: Dec 19 2020, 07:27 PM

Sometime in Aug/Sep, you said "let's see what happen in Nov 2020". Now "let's see June 2021". You will repeat the same thing in your investment life

In April/May you said you didn't buy much, still waiting. Until now still waiting.....

Exactly the purpose of this tracking of your "portfolio" - wait vs plunge. I wonder what will happen in 2 year milestone, 3 years, 5 years. It is a very good life depiction of an overly conservative risk aversed stock investor. Time will tell in your case which is better.


You have wasted an opportunity of a life time back in March.





On a side note, it's very kind of you to share your investment thoughts. Actually there is no right or wrong in investment strategy. Do whatever an investor feels comfortable. The golden rule always prevails - low risk low return, high risk high return. Apparently you are an extremely cautious investor, so your assets are safe, but your growth is limited. It is a strategy nonetheless.

I am very curious what will happen to this portfolio in 5 years. Is it a runaway to the peak ? Or will it retreat back to the original cost ?

He bought a little. See the quote below

All the while since the crash in March, the impression he gave me is that he didn't take the opportunity


Oh boy.....your memory is a bit off.....this is what you said back in April (see below)

Now you said you "bought heavily"

40k war chest, bought 30k (75%) in March, left 10k (25%)

In April, the 75% is "too little". But in December, 75% is "heavy"

Apa lah.....never buy say never buy. Buy already say buy already lah. What is there to be ashamed about ? I am just doing a compilation of a real life scenario so that readers might see the benefits of wait or don't wait....

Or was it in April you felt that the market will plunge further, so you "claim" you bought only "a little" (leave yourself some room in case you are wrong). Now the market is much clearer, so you "claim" you have bought "heavily" ? (to claim your victory lap).

Things are much clearer on hindsight isn't it ?

I have seen many uncles blow water about their success investing in stock market in coffee shop, just like you here

He revealed the amount himself. Actually no one is interested in the amount as this tracking is only to see whether "waiting" is better or not.

If you look at his previous postings, most are rhetorics. Not many numbers. So just to throw in some balance, I created his portfolio given by himself in this thread because I always believe numbers are much clearer than talking

But he always change goal post. Anyhow, I still think he did not buy during the crisis as shown in his posts in April/May. For some reason, he thinks his name and credibility in the cyberworld is worth to defend or something...hence change goal post again.

That is not important actually, because it is my curiosity (and maybe some other readers) in the numbers over the period that made me track the portfolio. Nevermind who actually own the portfolio. His name is just to provide something tangible we can relate to. In 3 or 5 years time, we can see a very good picture "ramjade's portfolio" performed well or not....



I can never be a lawyer. Lawyer can beat people who change goal post, but I can't.

Any other good tips in SGX and ASX ? Or is it too high now ? Share please....

20 months performance of the above portfolio for Ramjade

Original cost @20/5/2019 = S$70,793.14

1 month @ 19/6/2019 = S$72,774.43 +S$1,981.29 or +2.8%
2 month @ 19/7/2019 = S$74,903.73 +S$4,110.59 or +5.8%
3 month @ 19/8/2019 = S$71,074.40 +S$281.26 or +0.4%
4 month @ 19/9/2019 = S$71,681.45 +S$888.31 or +1.2%
5 month @ 19/10/2019 = S$71,085.12 +S$291.98 or +0.41%
6 month @ 19/11/2019 = S$72,168.10 +S$1374.96 or +1.9%
7 month @ 19/12/2019 = S$72,125.79 +S$1332.65 or +1.9%
8 month @ 19/1/2020 = S$75,627.81 +S$4834.67 or +6.8%
9 month @ 19/2/2020 = S$76,981.88 +S$6188.74 or +8.74%
10 month @ 19/3/2020 = S$53,821.65 -S$16971.49 or -23.97%
11 month @ 19/4/2020 = S$63,627.88 -S$7165.26 or -10.12%
12 month @ 19/5/2020 = S$64,439.44 -S$6353.70 or -8.97%
13 month @ 19/6/2020 = S$69,067.12 -S$1726.02 or -2.44%
14 month @ 19/7/2020 = S$70,452.49 -S$340.65 or -0.5%
15 month @ 19/8/2020 = S$71,340.13 +546.99 or +0.8%
16 month @ 19/9/2020 = S$72,592.63 +1799.49 or +2.5%
17 month @ 20/10/2020 = S$73,089.80 +2296.66 or +3.2%
18 month @ 20/11/2020 = S$77,934.88 +7141.74 or +10.1%
19 month @ 19/12/2020 = S$80,406.00 +9612.86 or +13.6%
20 month @ 19/1/2021 = S$86,254.09 +15,460.95 or +21.84%

Ramjade's portfolio grew by almost 22% after 20 months !

The recovery is incredible !

Included in the gain is S$3,906.55 dividend which is not re-invested. High time to buy more stock.

21 months performance of the above portfolio for Ramjade

Original cost @20/5/2019 = S$70,793.14

1 month @ 19/6/2019 = S$72,774.43 +S$1,981.29 or +2.8%
2 month @ 19/7/2019 = S$74,903.73 +S$4,110.59 or +5.8%
3 month @ 19/8/2019 = S$71,074.40 +S$281.26 or +0.4%
4 month @ 19/9/2019 = S$71,681.45 +S$888.31 or +1.2%
5 month @ 19/10/2019 = S$71,085.12 +S$291.98 or +0.41%
6 month @ 19/11/2019 = S$72,168.10 +S$1374.96 or +1.9%
7 month @ 19/12/2019 = S$72,125.79 +S$1332.65 or +1.9%
8 month @ 19/1/2020 = S$75,627.81 +S$4834.67 or +6.8%
9 month @ 19/2/2020 = S$76,981.88 +S$6188.74 or +8.74%
10 month @ 19/3/2020 = S$53,821.65 -S$16971.49 or -23.97%
11 month @ 19/4/2020 = S$63,627.88 -S$7165.26 or -10.12%
12 month @ 19/5/2020 = S$64,439.44 -S$6353.70 or -8.97%
13 month @ 19/6/2020 = S$69,067.12 -S$1726.02 or -2.44%
14 month @ 19/7/2020 = S$70,452.49 -S$340.65 or -0.5%
15 month @ 19/8/2020 = S$71,340.13 +546.99 or +0.8%
16 month @ 19/9/2020 = S$72,592.63 +1799.49 or +2.5%
17 month @ 20/10/2020 = S$73,089.80 +2296.66 or +3.2%
18 month @ 20/11/2020 = S$77,934.88 +7141.74 or +10.1%
19 month @ 19/12/2020 = S$80,406.00 +9612.86 or +13.6%
20 month @ 19/1/2021 = S$86,254.09 +15,460.95 or +21.84%
21 month @ 19/2/2021 = S$85,678.95 + 14,885.81 or +21.03%

Ramjade's portfolio is stagnant at 21% in 21st months.

A portfolio which weather the storm and recovered. One thing I noticed is this portfolio's dividend yield is only at 5%+ for 21 months. A tad on the low side even for non-dividend play stocks. I wonder those 8-10% dividend yield Reits may be a better choice ? Anybody has some data for your own portfolio (including capital gain+dividend) ?

Nonetheless, it is still an impressive portfolio so far.

22 months performance of the above portfolio for Ramjade

Original cost @20/5/2019 = S$70,793.14

1 month @ 19/6/2019 = S$72,774.43 +S$1,981.29 or +2.8%
2 month @ 19/7/2019 = S$74,903.73 +S$4,110.59 or +5.8%
3 month @ 19/8/2019 = S$71,074.40 +S$281.26 or +0.4%
4 month @ 19/9/2019 = S$71,681.45 +S$888.31 or +1.2%
5 month @ 19/10/2019 = S$71,085.12 +S$291.98 or +0.41%
6 month @ 19/11/2019 = S$72,168.10 +S$1374.96 or +1.9%
7 month @ 19/12/2019 = S$72,125.79 +S$1332.65 or +1.9%
8 month @ 19/1/2020 = S$75,627.81 +S$4834.67 or +6.8%
9 month @ 19/2/2020 = S$76,981.88 +S$6188.74 or +8.74%
10 month @ 19/3/2020 = S$53,821.65 -S$16971.49 or -23.97%
11 month @ 19/4/2020 = S$63,627.88 -S$7165.26 or -10.12%
12 month @ 19/5/2020 = S$64,439.44 -S$6353.70 or -8.97%
13 month @ 19/6/2020 = S$69,067.12 -S$1726.02 or -2.44%
14 month @ 19/7/2020 = S$70,452.49 -S$340.65 or -0.5%
15 month @ 19/8/2020 = S$71,340.13 +546.99 or +0.8%
16 month @ 19/9/2020 = S$72,592.63 +1799.49 or +2.5%
17 month @ 20/10/2020 = S$73,089.80 +2296.66 or +3.2%
18 month @ 20/11/2020 = S$77,934.88 +7141.74 or +10.1%
19 month @ 19/12/2020 = S$80,406.00 +9612.86 or +13.6%
20 month @ 19/1/2021 = S$86,254.09 +15,460.95 or +21.84%
21 month @ 19/2/2021 = S$85,678.95 +14,885.81 or +21.03%
22 month @ 19/3/2021 = S$87,496.99. +16,703.85 or +23.60%

Ramjade's portfolio increased slightly to 23.6% in 22nd months

Looks like not timing the market is a better choice, even with once in a century crash we experienced last year this portfolio grew by a respectful % after the recovery. Because it is really scary to buy during a crash in Ramjade's case. Not many people has the guts to plunge in when everything is doom and gloom. And on hindsight, opportunities to take advantage of stock market crash was really brief.

Those who expected another crash in the near term will be disappointed most probably. And I would foresee even with another crash in the future, these people will still not learn from the last crash and continue to wait for the "best" timing.

At the end of the day, I think risk averse people are not suitable to invest in high risk assets like stock market. There are better options like EPF, ASx, FDs, etc

22 months performance of the above portfolio for Ramjade

Original cost @20/5/2019 = S$70,793.14

1 month @ 19/6/2019 = S$72,774.43 +S$1,981.29 or +2.8%
2 month @ 19/7/2019 = S$74,903.73 +S$4,110.59 or +5.8%
3 month @ 19/8/2019 = S$71,074.40 +S$281.26 or +0.4%
4 month @ 19/9/2019 = S$71,681.45 +S$888.31 or +1.2%
5 month @ 19/10/2019 = S$71,085.12 +S$291.98 or +0.41%
6 month @ 19/11/2019 = S$72,168.10 +S$1374.96 or +1.9%
7 month @ 19/12/2019 = S$72,125.79 +S$1332.65 or +1.9%
8 month @ 19/1/2020 = S$75,627.81 +S$4834.67 or +6.8%
9 month @ 19/2/2020 = S$76,981.88 +S$6188.74 or +8.74%
10 month @ 19/3/2020 = S$53,821.65 -S$16971.49 or -23.97%
11 month @ 19/4/2020 = S$63,627.88 -S$7165.26 or -10.12%
12 month @ 19/5/2020 = S$64,439.44 -S$6353.70 or -8.97%
13 month @ 19/6/2020 = S$69,067.12 -S$1726.02 or -2.44%
14 month @ 19/7/2020 = S$70,452.49 -S$340.65 or -0.5%
15 month @ 19/8/2020 = S$71,340.13 +546.99 or +0.8%
16 month @ 19/9/2020 = S$72,592.63 +1799.49 or +2.5%
17 month @ 20/10/2020 = S$73,089.80 +2296.66 or +3.2%
18 month @ 20/11/2020 = S$77,934.88 +7141.74 or +10.1%
19 month @ 19/12/2020 = S$80,406.00 +9612.86 or +13.6%
20 month @ 19/1/2021 = S$86,254.09 +15,460.95 or +21.84%
21 month @ 19/2/2021 = S$85,678.95 +14,885.81 or +21.03%
22 month @ 19/3/2021 = S$87,496.99 +16,703.85 or +23.60%
23 month @ 19/4/2021 = S$87,686.57 +16,893.43 or +23.86%

Not much movement this month. Next month will be the 2nd anniversary.

We shall switched to quarterly updates after that.

Of course Ramjade did (or "claimed") exactly what you did, as expected.

2nd anniversar performance of the above portfolio for Ramjade

Original cost @20/5/2019 = S$70,793.14

1 month @ 19/6/2019 = S$72,774.43 +S$1,981.29 or +2.8%
2 month @ 19/7/2019 = S$74,903.73 +S$4,110.59 or +5.8%
3 month @ 19/8/2019 = S$71,074.40 +S$281.26 or +0.4%
4 month @ 19/9/2019 = S$71,681.45 +S$888.31 or +1.2%
5 month @ 19/10/2019 = S$71,085.12 +S$291.98 or +0.41%
6 month @ 19/11/2019 = S$72,168.10 +S$1374.96 or +1.9%
7 month @ 19/12/2019 = S$72,125.79 +S$1332.65 or +1.9%
8 month @ 19/1/2020 = S$75,627.81 +S$4834.67 or +6.8%
9 month @ 19/2/2020 = S$76,981.88 +S$6188.74 or +8.74%
10 month @ 19/3/2020 = S$53,821.65 -S$16971.49 or -23.97%
11 month @ 19/4/2020 = S$63,627.88 -S$7165.26 or -10.12%
12 month @ 19/5/2020 = S$64,439.44 -S$6353.70 or -8.97%
13 month @ 19/6/2020 = S$69,067.12 -S$1726.02 or -2.44%
14 month @ 19/7/2020 = S$70,452.49 -S$340.65 or -0.5%
15 month @ 19/8/2020 = S$71,340.13 +546.99 or +0.8%
16 month @ 19/9/2020 = S$72,592.63 +1799.49 or +2.5%
17 month @ 20/10/2020 = S$73,089.80 +2296.66 or +3.2%
18 month @ 20/11/2020 = S$77,934.88 +7141.74 or +10.1%
19 month @ 19/12/2020 = S$80,406.00 +9612.86 or +13.6%
20 month @ 19/1/2021 = S$86,254.09 +15,460.95 or +21.84%
21 month @ 19/2/2021 = S$85,678.95 +14,885.81 or +21.03%
22 month @ 19/3/2021 = S$87,496.99 +16,703.85 or +23.60%
23 month @ 19/4/2021 = S$87,686.57 +16,893.43 or +23.86%
24 month @ 19/5/2021 = S$87,306.03. +16,512.89 or +23.33%

Seems like stagnant for 3 months. But fully recovered from the crash. Market looks steady.

We shall switched to quarterly updates after that.

He did, but only a little....At that time, he still wait for next crash. Unfortunately, the market recovered too quick

Quarterly update of the above portfolio for Ramjade

Original cost @20/5/2019 = S$70,793.14

1 month @ 19/6/2019 = S$72,774.43 +S$1,981.29 or +2.8%
3 month @ 19/8/2019 = S$71,074.40 +S$281.26 or +0.4%
6 month @ 19/11/2019 = S$72,168.10 +S$1374.96 or +1.9%
9 month @ 19/2/2020 = S$76,981.88 +S$6188.74 or +8.74%
10 month @ 19/3/2020 = S$53,821.65 -S$16971.49 or -23.97%
1 year @ 19/5/2020 = S$64,439.44 -S$6353.70 or
15 month @ 19/8/2020 = S$71,340.13 +546.99 or +0.8%
18 month @ 20/11/2020 = S$77,934.88 +7141.74 or +10.1%
21 month @ 19/2/2021 = S$85,678.95 +14,885.81 or +21.03%
2 year @ 19/5/2021 = S$87,306.03. +16,512.89 or +23.33%
27 month @ 19/8/2021 = S$80,596.17. +9,803.03 or +13.85%

Still holding up despite the uncertainty in Asia stock market

Quarterly update of the above portfolio for Ramjade

Original cost @20/5/2019 = S$70,793.14

1 month @ 19/6/2019 = S$72,774.43 +S$1,981.29 or +2.8%
3 month @ 19/8/2019 = S$71,074.40 +S$281.26 or +0.4%
6 month @ 19/11/2019 = S$72,168.10 +S$1374.96 or +1.9%
9 month @ 19/2/2020 = S$76,981.88 +S$6188.74 or +8.74%
10 month @ 19/3/2020 = S$53,821.65 -S$16971.49 or -23.97%
1 year @ 19/5/2020 = S$64,439.44 -S$6353.70 or
15 month @ 19/8/2020 = S$71,340.13 +546.99 or +0.8%
18 month @ 20/11/2020 = S$77,934.88 +7141.74 or +10.1%
21 month @ 19/2/2021 = S$85,678.95 +14,885.81 or +21.03%
2 year @ 19/5/2021 = S$87,306.03 +16,512.89 or +23.33%
27 month @ 19/8/2021 = S$80,596.17 +9,803.03 or +13.85%
30 month @ 19/11/2021 = S$85,996.91 +15,203.77 or +21.48%

Numbers starting to look boring, despite still holding up in positive return region...

After 30 months, it seems to me that anytime is a good time to buy. Good stock will give positive returns over the long run. Let's see if this is true over a longer period.