Summary of August 2025
Portfolio @ End of Aug25
Even though KLCI soared 4% in Aug25, my portfolio only gained a little at 1.1%.
Most stocks in my portfolio suffered loss in the month, but MI & TMCLife manage to register decent gain at 15% & 10% respectively.
There was no buy transaction in this month but I decided to dispose all my TAS shares.
Perhaps I should have sold all my TAS shares much earlier but overall this investment still brings in 18% gain.
Summary of July 2025
Portfolio @ End of Jul25
Due to the uncertainties surrounding US tariff, KLCI dropped 1.3% in the month of July.
My portfolio suffered 1.6% loss bringing the YTD loss to 10.6%.
However, there was a significant dividend of 19sen by KFIMA ex-ed on 31/7 and I did not include this dividend into my monthly & YTD gain/loss calculation since I have not received it yet.
If this dividend were to be included, the actual loss of my portfolio in the month of July is 0.15%.
Anyway, if compared to US indices YTD, my portfolio performs badly.
Regarding credit cards, there are always debate on its good and bad sides.
To me, the benefits of credit card outweighs the drawbacks.
The main disadvantage of credit card is that the users spend beyond their ability to pay back in full, resulting in late payment charge and high finance charge from 15% to 18% per annum.
As long as you plan your credit card spending carefully, I think credit card is a great tool that helps in financial planning.
Here are the advantages and disadvantages of credit cards.
Three months ago I wrote a post about installing a home solar PV system "Home Solar PV System: A No Brainer?".
Now, my home solar system has been up and running for more than 2 months.
It's time to share my short experience and how much money I can actually save.
Is residential solar system under NEM scheme really worth it?
