二當家 ｜ 投資日誌 – 2024-11-30
Symbol
Description
ClosePrice
Avg
Cost in org Currency
Gain/Loss
% of
Portfolio
B 12/31/24
B 12/31/24
99.60
98.76
1%
25%
B 02/11/25
B 02/11/25
99.10
99.01
0%
15%
TLT
ISHARES 20+ YEAR TREASURY BD
93.97
97.39
-4%
11%
SPY
SPDR S&P 500 ETF TRUST
602.55
495.12
22%
8%
2800
TRACKER FUND OF HONG KONG-B
19.60
18.49
6%
5%
IEI
ISHARES 3-7 YEAR TREASURY BO
117.13
117.29
0%
4%
GLD
SPDR GOLD SHARES
245.59
197.61
24%
2%
TSM
TAIWAN SEMICONDUCTOR-SP ADR
184.66
104.36
77%
2%
DBC
INVESCO DB COMMODITY INDEX T
22.14
22.27
-1%
2%
DISH 7 3/4 07/01/26 XAY1
DISH 7 3/4 07/01/26
86.25
68.32
26%
1%
Top 10
74%
Others
2%
Cash
24%
YTD +11.8%
話咁快又一年, 又準備年底埋單11月份又入左筆錢入 IB, 因為香港又跟減息香港銀行3個月定存最高約 3.75%, 而我有戶口既銀行最高做緊 3.3%美債 3個月後到期既 YTM 有 4.5~4.6%, 差距有成1%咁點解唔全部放晒入去美債? 無他, 有陣時都係為左平衡風險
11月份, 月供5隻 ETF每月供款額 = 投資戶口總資 0.7% (target 0~5%, 市旺供少D, 市差供多D)每隻基金既分佈SPY = 30% – 5% = 25%TLT = 40% +5% = 45%IEI = 15%DBC = 7.5% +2% = 9.5%GLD = 7.5% – 2% = 5.5%Total 100%前面組數字係目標, 後面既數字係調整
Dollar Cost Averaging，DCA , 平衡成本法唔係應該每個月均衡咩, 點解我懶勁咁去 ADJ沒他, 人有賭性, 我想賭下自己眼光咁二當家究竟眼光如何?Ray Dalio All Weather Portfolio: ETF allocation and returns根據上面既 LINK, 如果跟足黎買, YTD 應該有 10.16% RETURN而我果5 隻 ETF, RETURN 得 5.6% 😂 (唔係 apple to apple, 佢用既係 rebalancing 後既表現, 二當家用既係DCA)所以真係多舊魚 😝至於我既 CAGR…….係0%呀, 如果我係掂, 就唔駛月供啦, 唉!
最後, 上圖既 CASH POSITION 有 24%, 因為其中一隻美債到期, 寫文時已經買回另一隻3月到期既美債
