My current portfoilio

I decided to take some time to go over my current portfolio of stocks.

I use a simple rule of thumb for deciding how much of my monies to invest. The rule of 100 - (current age). 

I am 34 this year, and so that means that I should be investing 66% of my monies. Currently I have more than 80% of my monies invested.

As of now, I have exhausted investing my CPF OA monies by buying Capitaland and Hong Leong Finance (HLF). When I decided to buy HLF, I calculated that the dividend yield is >2.5% (OA interest rate) based on the entry price of $2.28 and that was one of the reason I bought the shares.

On hand, I still have around 20k (6 mths rainy cash) to cater for situations (loss of job / emergency fund).

My stock buying only happens once a year because I set myself a yearly target to invest 10k (new funds).

My target is fulfilled this year when I bought 20k Boustead shares @ 0.89/share.

In 2016, I bought 20k Keppel Corp with the monies my father left me when he passed away in Oct-15. This was one of the biggest stock purchase of my life but I decided that leaving the monies in the bank is not doing myself any good as the interest rate is too late. I do not wish to spend any of the monies that my father left behind hence I decided to lock it away by buying shares in KC and chuck it out of my sight.

In 2015, I bought 10k of HLF using my CPF monies.

Active investing is not good because there are fees for each buying and selling of stocks. Although the fees are not very much, doing it weekly or monthly will erode the returns of the stock purchases. Another reason for not doing active investing is that one will not be able to see how high the stock would otherwise have risen to. 

When buying a stock, I would have a rough gauge of what kind of price would I sell this stock for. For KC, I do believe it has the potential to reach $20 but this would take many years.For Boustead, i thought it has the potential to reach $2, $4 for HLF.

Recently am thinking of making a career switch to fund management but without a degree, I believe pursuing that would be hard. When I reflect on my strategies, they conflict with what fund managers are doing. 

Active investing + annual % of management fee which will most certainly eats into the returns of the stocks

This is one reason that I also do not buy unit trusts.