新PORTFOLIO 方向 (2018 - 2019)

閒話小說, 新的PORTFOLIO方向如下，　因為小子在某地產商的FAMILY FUND 工作關係, 有好多坊間的HOT ITEMS 已經在RESTRICTED LIST, 所以各位會見到有一D奇怪的HOLDING, 係基於要避免中LIST所致.

#1 PERPS (10% PORTFOLIO)                        YTM
Shui On 10.125%                                                14.1%
Central Plaza 8.375%                                          13.8%               
AMTD 7.625%                                                    12.2%
Chalco HK 6.625%                                             11.07%
Credit Bank of Moscow 8.875%                         10.15%
CITIC Envirotech 5.45%                                    10.09%
Greenland 5.625%                                                9.70%
Huaneng HK 4.3%                                                9.10%
Guotai Junan 4.5%                                                9.07%
Yancoal 5.75%                                                      8.84%

Weighted Average YTM                                      9.01%

小子暫時開唔到IB, 到時有IB 戶口時再研究下, 因為小子知道有好多BONDS IB 係買唔到
如果呢個PORTFOLIO 在IB 買唔到, 小子會研究下開PB 的可行性

#2 REITS (10% PORTFOLIO)                        YIELD
SPH                                                                      5.41%
FIRST SP                                                             6.30%               
Fraser Commercial Trust                                     7.02%
Suntec                                                                  5.30%
Mapletree Logistic                                               6.00%
Capitaland Mall                                                    5.46%
405.HK                                                                 6.00%

Weighted Average Dividend Yield                       5.92%

#3 Bond Funds (10% PORTFOLIO)               YIELD

小子未揀好, 會另文再述
YLD 應為5% - 6%                                              6.00%

#4 樓宇 (50% PORTFOLIO)                           YIELD
應會沽出一間收租樓作為SEED FUND

#5 股票 (10% PORTFOLIO)                          
3839
459
34
857
3988
及其他 (可以睇番小子的舊文, 都係個幾隻)

#6 10% 為CASH HOLDINGS FOR BUFFER 

但MARGIN RATIO MAX 係30%, 同樓按睇齊
小子樓按都係做40% 左右按揭, 當然呢個低息時代, 多借無壞
但係風險控制係小子好重視的一部份, EVEN 唔CALL LOAN 都好, 我唔想維持太高槓桿

打工時已經幫公司借錢, 深明銀行為好天遮的特性
無事就無事, 一有事佢縮你LTV 叫你還錢係唔駛問準你的

後話, 小子公司對家BANK條RM (係同JPM/UBS 同GRADE的外資大行) 都話唔可以俾咁高LV 俾某某投資物, 小子話, 喂我FP 100M 叫你俾個INDICATIVE LV 85% 都咁難?
佢話係呀. 因為俾得你, 但你要DRAW LINE, 銀行未必會俾....(小子暗DIU: FULL PAY都唔俾你提錢呀陰功!)
大佬....呢個盤的SIZE你都肴...可見SERVE 小投資者的RM 係無牙力的, 要收水時一定乖乖CALL 客就範