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