Report Card for 2025 and Onwards to 2026! TBC (To Be Continued...)

Happy New Year 2026! 😁 Paiseh, I know I'm a bit late to the year; been busy with work, family, holidays and year end festive stuff 😆 In any case, also felt obliged to keep the writing alive as a few friends and readers have separately reached out to ask why no new blog post since quite some time back 😅

Credit: Business Times (11 Jan 2026) - https://www.businesstimes.com.sg/opinion-features/financial-spring-cleaning-kickstart-2026

The above Business Times (BT) article is the perfect trigger for me to pen something in January 2026 and also as we progressed towards the Year of the Horse as Chinese New Year approaches in Feb! Of the tips highlighted in the BT article, I just like to touch on the aim for independence, make steady progress and be strategic.

Since this is a finance blog, obviously we cannot do without key features such as investing/re-investing our salary/dividends wisely into long term investments, enhancing financial literacy and understanding investment solutions/tools and figuring out our time horizon, risk appetite and individual circumstances before putting our hard-earned money to work HARDER than us!

As usual, as part of progressing into the new year, we need to do a spring cleaning of our house, our work desk, our car, and of cos our financial situation and investments!

Hence, I did a 大扫除 of my Singapore stocks in my CDP account - sold several lemons 🍋 over the past few months in 2025 (e.g. Capitaland China Trust, First Reit, Frasers Hospitality Trust, IReit Global, Overseas Education) and took stock of the performance of those stocks that I decided to retain (see below). This exercise serves not just as a record of past performance, but also on weaker areas to improve on and keep working on!

(1) Singapore Portfolio Returns (2025):

Unrealised profit (%) = Approx +33%.

Overall Dividend Yield = 6.5%.

With the recent years bull run in the Singapore stocks market, I am under no illusion on the sparkling paper profit of 33% built up in 2025. After all, these are but PAPER gains (unless sold to realise the gains, but that would kill the Golden Geese! 😨).

More importantly, my laser focus is on the overall portfolio yield of 6.5% achieved in 2025 (improved from 6.2% in 2024), which is greater than the STI of ~4%.

(2) New Year 2026 Resolutions:

As with each new year, there will be new resolutions set, and amongst my various resolutions for 2026, the following 2 pertains to finances:

(a) Increase cash investing to at least $3,000 in cash per month ($1K in Robo, $1K in US/HK/China growth/value stocks, $1K in Spore dividend stocks).

(b) Supercharge CPF investing from $500 to $1,500 per month + maintain $500 in SRS per month.

For the record and my own future reference, below documents how my Robo investments (Cash / CPF / SRS) have been doing for the past 3.5 years (which was started in July 2022 as a Bday present to myself! 🤣 Yes, yes, I know others buy branded bags/watches as bdae present, but I prefer to buy assets that can pay me for future enjoyment and for life 😉).

But with (1) my Singapore portfolio returns above and (2) my New Year resolutions to deploy more in 2026, new questions I have been asking myself arose: (1) Which new Singapore stocks/REITs to deploy next?

(2) Should I double down on my existing holdings?

(3) How to grow my dividend yield beyond 6.5%? (4) How to increase quantum of annual dividends received?

In addition, I have also been receiving questions from friends and family, e.g.: (1) What to invest with their SRS (after they topped up for income tax relief by end Dec 2025, to deploy $15,300 in this market conditions is easier said than done 😆),

(2) Where else to invest in Spore with STI hitting all-time high over the past few months in 2025 and our 3 FAVOURITE banks riding up each peak after peak,

(3) Many folks already have holdings in several STI components stocks (e.g. the 3 banks, SingTel, ST Eng, SembCorp, CICT etc), what else is safe/good to invest in?

These questions above have been bugging me since late 2025, crossing into Jan 2026, which I shall attempt to answer (at least to myself, SHHhhh...... 🤭) in the next post soon! 😎

For now, I shall reward myself with Netflix binge watching first (of which I just took a tiny stake in recently with the recent discount in its price. Nope, sorry, not discount in Netflix subscription price 🤣)

Disclaimer: The above article is just the author expressing his layman views and babbling nonsense, please forgive if it doesn't make sense. It is NOT financial advice, and NOT a recommendation to buy or sell any stocks or REITs. Pls do your own due diligence and/or consult a qualified financial advisor before making any moves or taking any actions. Pls note that past performance is not an indicator or guarantee of future performance or potential.

To your money and health,

Mr MoneyandHealth (Mr MH) 🥰