Portfolio Review - Mar 2017

Keppel Reit
- Vested start from 2013
- Return XIRR is 7%
- Revenue increase yoy
- Net income , Distribute Income and DPU dropping yoy.
- Intrest coverage remain 4.1x
- Good thing holding AA class properties.
- Action : release and switch to other targets



Cambridge Reit
-Vested start from 2013
- Revenue increase yoy
- Net income , Distribute Income and DPU dropping yoy.
- Intrest coverage remain 3.6x
- Action : release and switch to other targets


Super Group
- Vested start from 2014
- Offer for 1.30
- Action : release and switch to other targets


Neratel
- Vested start from 2015
-  invest reason due to  payment solution which provide stable income.
- Action :  release and switch to other targets

Plan 2017

Family &  Financial Plan：

• Apply PR for child
• Buy HDB which target complete by 1H.
• Setup Mom Medical fund.
• Review family insurance whether plus or minus.
• Reduce life insurance exposure and convert to Term insurance?
• Buy insurance for child.
• Share Investment and target 10% return for current portfolio.

Carreer Plan :

• Still not yet have clear direction whether should continue current technical job. Hence this year stick current job.
• Monitoring job market and understand own price.
• Target attend two courses to increase my competative.

Location Plan :

• No aim this year decide whether want convert singaporean.
• However will spare time review it.
• End of year should have decision whehter convert citizen.

Hobby Plan :

• N.A.

Self Growth Plan :

• Read 12 books for this year. 
• Technical - relate to clouding, web service and DB
• Finance - more on investment. this yr avoid read 理财 book.
• Personality - social or thinking.
• "New topic" - increase circle competency