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.
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 🙂
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 😉
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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.
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.
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%
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.
Hi B,
Good parent you are. We are really the sandwiched generation, must think about parents, must think about children 😀
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.
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!
Hi Max
Thanks 🙂
I think it's definitely a good consideration since time is on their side.
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Balance Price
$2500—————$155
$5000—————$255
$10,000————-$500
$13,000————-$680
$15,000————-$760
$17,000————-$880
$20,000————-$970
$25,000————-$1000
$30,000————-$1100
$35,000————-$1200
$40,000————-$1300
$45,000————-$1350
$50,000————-$1500
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Walmart Transfer
Removing of name from debit record and criminal
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Bitcoin Investments
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AGE………………………..
MARITAL STATUS………………
Contact Address:………………………
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State……………………………..
Phone:……………………………….
Email:……………………………….
Occupation:…………………………..
Monthly Income:……………………….
Religion:…………………………….
Next of Kin:………………………….
(LOAN INFORMATION)
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Loan Duration:………………………..
Purpose of Loan:…………………………..
Collateral:…………………………..
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We Bring To You Good News From Hennager Blank ATM Cards And Bitcoin Investments..
Have you been trying to get a real blank ATM Card or bitcoin and it has been a problem trying to get one? Here is Hennager Blank ATM Card easy and affordable to get and it can be delivered to you waiting 24hrs after you have made your order from me at: [email protected]
We have special cash loaded programmed ATM card and bitcoin for you to meet up with those needs of yours and also start up your own business. Our ATM card can be used to withdraw cash at any ATM or swipe, stores and POS. Our cards has daily withdrawal limit depending on the card balance you order.You can make from $2500 to $50,000.00 In USD And EUR,with our Programmed card. Contact us today for your own order at : [email protected]
Here are the price list for ATM Cards:
Balance Price
$2700—————$155
$5500—————$255
$11,000————-$500
$13,000————-$680
$15,000————-$760
$17,000————-$880
$20,000————-$970
$25,000————-$1000
$30,000————-$1100
$35,000————-$1200
$40,000————-$1300
$45,000————-$1350
$50,000————-$1500
Western Union/Money Gram Transfer
Walmart Transfer
Removing of name from debit record and criminal
Account top-up
Bitcoin Investments
We can also help you hack into any software you wish or want us to hack into too.
Do contact for more info and also on how you are going to get your order..
Order yours today via Email: Gmail-Compose mail to: [email protected]
Hangouts: [email protected]
TEXT: +1470 203 2639
Hennager Peter.
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