The year started with index 3238 and ended a couple of days back with index 2843. This represents a drop of 12.2%. I stayed the course and continued to add more dividend stocks. At STI 2800 plus, local market is starting to appear not so cheap. But compared to other major indices it’s relatively cheaper. As I am already pretty heavy on local banks, I turned my attention to overseas market, mainly HK and My.I continued to add shares which I see potential for good dividend payouts and subscribe to scrip dividends where possible. The past year, the latter proved fruitful, as in the case of local banks, Far East consortium and sinoland. I took position in water oasis. I noted that it has postponed its board meeting and now the shares are suspended pending audits of its accounts. I

What an incredible run up that happened in  the month of November. Early November began with a market level of around 2500 and ended the month putting on some 350 points to end at 2850! This update was prepared on 29/11. Edited 30/11 end of day, market slumped by 58points. So overall still this month up by close to 300points, or 12% gain in a month. Imagine a person who predicted a big crash and turned full cash at 2500 level to some others who still have a high cash warchest. They would have missed out on this big run up in prices, and also dividends from some of the counters, if any.Overall, I stayed the course, as I realised that I am unable to time the market and would fail miserably if I attempt to so do from past experiences. The edit above also proves this point . How can

 As I write this towards the end of october 2020, market has fallen below 2500. Lots of reds when i open up the screen during the time of writing this.Counters added this month : P&O, Oriental Holdings, Miramar Hotel and DBS.I am doing more research on the UK dividend counters before getting some of them. As usual, a good sustainable yield with a past history of being able to raise dividends. I am looking at counters like rdsb, gsk, lgen, national grid etc. As usual, each counter would probably occupy 1% or less. So objective would be to avoid losers, rather than ability to pick winners, that's good enough. ( thanks to kind friends for their gracious non-selfish sharing)Cash flow is the key in this kind of down market, no cash flow, can forget about buying anything without selling

This is my update for the month of September.  This covid crisis has accelerated my overseas investments, namely into the HK and Malaysia markets. Might go into the UK market also, should attractive opportunities present themselves. Diversification and adding of good dividend paying stocks with a solid track record of paying would be the foci here. Absorb volatility in prices, as these are beyond anyone's control, with adequate holding power and use cash flow from dividends to add more dividend stocks to further enhance cash flow.Dividends coming in frequently is still a delightful experience , with as frequently as twice a day to once in a few weeks.Cash flow is the key in this kind of down market, no cash flow, can forget about buying anything without selling anything.Cheers!!!Comin

So far in my many years of investing, this is the toughest period. Not sure how long more it will last, maybe 1 more year, 2 years. And the economic impact and the time to recover might take longer. The recent SATS results, the management estimated that the recovery might take up to 2024. That's a long time more, 4 years! Lot of unprecedented events, lots of companies such as HSBC and Malaysian banks etc which never skipped dividends previously, now not paying. And a lot of others are reducing their dividends. Many of these are not lousy companies which are not making money or on the brink of collapse, but are stellar blue chips like the banks, both in singapore and overseas. And in US, stock markets have recovered to almost the same as precovid levels. Incredible by itself when

Would like to emphasise this to readers again as before : stay the course .... dont panic. this time its NOT different***Latest: MAS asked Banks to issue dividends 60% of 2019 level.  SCI, GPI and SATS no dividends Dividends up to the next few months by estimated datesComing weeks to months -- cash flowing in from counters in my portfolio ...27/7 Sre28/7 MIT28/7 HKBJ30/7 HGC6/8 KC*7/8  SIAE LPI*12/8 SPost14/8 BSemb14/8 SphReit17/8 KSH*18/8 STel20/8 DBS*27/8 suntec  UOB*28/8  CMT  CDG* OCK*31/8 GE*3/9 STE*4/9 HSB* 7/9 Hysan*9/9 WW* ZL10/9 PBB*. teckwah*11/9 CKH*14/9 CLP*16/9 CHsong TaiC17/9 Goldlion*18/9 singre*25/9 Panamy Lungkee* TCIL*27/9 CRCT*28/9 PG*2/10 OCBC* MB*. BOCHK*14/10 Lb*17/10 HKL*18/10 SGX*21/10 MIT*26/10 HKBJ*30/10 AeonC

Would like to emphasise this to readers again as before : stay the course .... dont panic. this time its NOT differentDividend by month1) singtel Panasonic tai Cheung  Chen Hsong holdings2) sgx  starhillg fct sphreit cmt  capitacom mit suntec hsbank lian beng nam lee singpost LPI capital3)   taisin  hsbank petronas capitaretail pbb clp manulife4) hsbc dbs cimb5) steng sgx  uob sph starhillg fct sphreit cmt cdg hcg Singre teckwah mit sci suntec  hlf ocbc ge ckh6)  netlink hsbank maybank petronas Kc dbs hkland FLT clp manulife Lung kee7) singpost  tcil hsbc bochk aeon creditHK hk Beijing enterprises8) singtel  plife  suntec ocbc  starhill sci kc steng fct singpost sphreit cmt ock  capitacom  siaen mit sats uob cd

Would like to emphasise this to readers again as before : stay the course .... dont panic. this time its NOT differentDividend by month1) singtel2) sgx  starhillg fct sphreit cmt  capitacom mit suntec hsbank lian beng nam lee singpost3)   taisin  hsbank petronas capitaretail pbb clp4) hsbc dbs cimb5) steng sgx  uob sph starhillg fct sphreit cmt cdg hcg Singre teckwah mit sci suntec  hlf ocbc ge ckh6)  netlink hsbank maybank petronas dbs hkland FLT clp7) singpost  tcil hsbc bochk8) singtel  plife  suntec ocbc  starhill sci steng fct singpost sphreit cmt ock  capitacom  siaen mit sats uob cdg sci ksh gpi dbs9)   hlf teckwah singre capitaretail  petronas hsbank ge hsbc ckh pbb clp10) sgx tcil lian beng h

Would like to emphasise this to readers : stay the course .... dont panic. this time its NOT differentDividend by month1) singtel2) sgx  starhillg fct sphreit cmt  capitacom mit suntec hsbank lian beng nam lee singpost3)   taisin  hsbank petronas capitaretail4) hsbc dbs cimb5) steng sgx  uob sph starhillg fct sphreit cmt cdg hcg Singre teckwah mit sci suntec  hlf ocbc ge ckh6)  netlink hsbank maybank petronas dbs hkland FLT7) singpost  tcil hsbc bochk8) singtel  plife  suntec ocbc  starhill sci steng fct singpost sphreit cmt ock  capitacom  siaen mit sats uob cdg sci ksh gpi dbs9)   hlf teckwah singre capitaretail  petronas hsbank ge hsbc ckh10) sgx tcil lian beng hkland hsbc  maybank bochk11) ta

Dividend by month1) singtel2) fcot sgx  starhillg fct sphreit cmt  capitacom mit suntec hsbank lian beng nam lee singpost3)   taisin  hsbank petronas capitaretail4) hsbc dbs5) fcot steng sgx  uob sph starhillg fct sphreit cmt cdg hcg Singre teckwah mit sci suntec  hlf ocbc ge6)  netlink hsbank maybank petronas dbs hkland7) singpost  tcil hsbc8) fcot singtel  plife  suntec ocbc  starhill sci steng fct singpost sphreit cmt ock  capitacom  siaen mit sats uob cdg sci ksh gpi dbs9)   hlf teckwah singre capitaretail  petronas hsbank ge hsbc10) sgx tcil lian beng hkland hsbc  maybank11) fcot taisin sgx spost  starhillg fct cmt siaen mit suntec dbs sia netlink hsbc12) sph ksh ock sats  ksh gpi&

Dividend by month1) singtel2) fcot sgx  starhillg fct sphreit cmt  capitacom mit suntec hsbank lian beng nam lee singpost3)   taisin  hsbank petronas capitaretail4) hsbc dbs5) fcot steng sgx  uob sph starhillg fct sphreit cmt cdg hcg Singre teckwah mit sci suntec  hlf ocbc ge6)  netlink hsbank maybank petronas dbs hkland7) singpost  tcil hsbc8) fcot singtel  plife  suntec ocbc  starhill sci steng fct singpost sphreit cmt ock  capitacom  siaen mit sats uob cdg sci ksh gpi dbs9)   hlf teckwah singre capitaretail  petronas hsbank ge hsbc10) sgx tcil lian beng hkland hsbc  maybank11) fcot taisin sgx spost  starhillg fct cmt siaen mit suntec dbs sia netlink hsbc12) sph ksh ock sats  ksh gpi&

Dividend by month1) singtel lianbeng2) fcot sgx  starhillg fct sphreit cmt  capitaretail capitacom mit suntec dbs hsbank3) spost  taisin  nam lee hkland hsbank petronas4) hsbc5) fcot steng sgx  uob sph starhillg fct sphreit cmt cdg hcg Singre teckwah mit sci suntec  hlf ocbc ge6)  netlink hsbank maybank petronas dbs7) singpost  tcil hsbc8) fcot singtel  plife  suntec ocbc  starhill sci steng fct singpost sphreit cmt ock  capitacom  siaen mit sats uob cdg sci ksh gpi dbs9)   hlf teckwah singre capitaretail  petronas hsbank ge hsbc10) sgx tcil lian beng hkland hsbc  maybank11) fcot taisin sgx spost  starhillg fct cmt siaen mit suntec dbs sia netlink hsbc12) sph ksh ock sats  ksh gpi  petr

Dividend by month1) singtel lianbeng2) fcot sgx  starhillg fct sphreit cmt  capitaretail capitacom mit suntec dbs hsbank3) spost  taisin  nam lee hkland hsbank petronas4) hsbc5) fcot steng sgx  uob sph starhillg fct sphreit cmt cdg hcg Singre teckwah mit sci suntec  hlf ocbc ge6)  netlink hsbank maybank petronas dbs7) singpost  tcil hsbc8) fcot singtel  plife  suntec ocbc  starhill sci steng fct singpost sphreit cmt ock  capitacom  siaen mit sats uob cdg sci ksh gpi dbs9)   hlf teckwah singre capitaretail  petronas hsbank ge hsbc10) sgx tcil lian beng hkland hsbc  maybank11) fcot taisin sgx spost  starhillg fct cmt siaen mit suntec dbs sia netlink hsbc12) sph ksh ock sats  ksh gpi  petr

Dividend by month1) singtel lianbeng hsbank2) fcot sgx  starhillg fct sphreit cmt  capitaretail capitacom mit suntec dbs3) spost  taisin  nam lee hkland hsbank petronas4) hsbc5) fcot steng sgx  uob sph starhillg fct sphreit cmt cdg hcg Singre teckwah mit sci suntec  hlf ocbc6)  netlink hsbank maybank petronas dbs7) singpost  tcil hsbc8) fcot singtel  plife  suntec ocbc  starhillg sci steng fct singpost sphreit cmt ock  capitacom  siaen mit sats uob cdg sci ksh gpi dbs9)   hlf teckwah singre capitaretail  petronas hsbank10) sgx tcil lian beng hkland hsbc  maybank11) fcot taisin sgx spost  starhillg fct cmt siaen mit suntec dbs sia netlink12) sph ksh ock sats  ksh gpi  petronasRemarks:Add

Dividend by month1) singtel lianbeng hsbank2) fcot sgx  starhillg fct sphreit cmt  capitaretail capitacom mit suntec dbs3) spost  taisin  nam lee hkland hsbank petronas4) hsbc5) fcot steng sgx  uob sph starhillg fct sphreit cmt cdg hcg Singre teckwah mit sci suntec  hlf ocbc6)  netlink hsbank maybank petronas dbs7) singpost  tcil hsbc8) fcot singtel  plife  suntec ocbc  starhillg sci steng fct singpost sphreit cmt ock  capitacom  siaen mit sats uob cdg sci ksh gpi dbs9)   hlf teckwah singre capitaretail  petronas hsbank10) sgx tcil lian beng hkland hsbc  maybank11) fcot taisin sgx spost  starhillg fct cmt siaen mit suntec dbs sia netlink12) sph ksh ock sats  ksh gpi  petronasRemarks:Add

Dividend by month1) singtel lianbeng2) fcot sgx  starhillg fct sphreit cmt  capitaretail capitacom mit suntec3) spost  taisin  nam lee hkland hsbank4) hsbc5) fcot steng sgx  uob sph starhillg fct sphreit cmt cdg hcg Singre teckwah mit sci suntec  hlf ocbc6)  netlink hsbank7) singpost  tcil hsbc8) fcot singtel  plife  suntec ocbc  starhillg sci steng fct singpost sphreit cmt ock  capitacom  siaen mit sats uob cdg sci ksh gpi9)   hlf teckwah singre capitaretail  hsbc hsbank10) sgx tcil lian beng hkland11) fcot taisin sgx spost  starhillg fct cmt siaen mit suntec hsbc12) sph ksh ock sats netlink ksh gpi hsbankRemarks:Added more local banks, hlf and singpostOverall,nothing fanciful and nothing new: divide

Dividend by month1) singtel lianbeng2) fcot sgx  starhillg fct sphreit cmt  capitaretail capitacom mit suntec3) spost  taisin  nam lee hkland hsbank4) hsbc5) fcot steng sgx  uob sph starhillg fct sphreit cmt cdg hcg Singre teckwah mit sci suntec  hlf ocbc6)  netlink hsbank7) singpost  tcil hsbc8) fcot singtel  plife  suntec ocbc  starhillg sci steng fct singpost sphreit cmt ock  capitacom  siaen mit sats uob cdg sci ksh gpi9)   hlf teckwah singre capitaretail  hsbc hsbank10) sgx tcil lian beng hkland11) fcot taisin sgx spost  starhillg fct cmt siaen mit suntec hsbc12) sph ksh ock sats netlink ksh gpi hsbankRemarks:Added more local banks, hang seng bank, HLFWent for hsbc scripOverall,nothing fanciful a