Retired and Managing my Own Investments
Singapore Stock Investment Research
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US inflation looks poised to rise in the future.
-
The latest 1-year inflation expectation had spiked to 3.8%.
This spike could be caused by the Iran war and the US consumers were
expecting higher inflatio...
2 hours ago
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Goodbye Xiao Lan, Hello Da Bai
-
After serving me and my loved ones faithfully for the past 7 years, I
finally had to part with my workhorse Xiao Lan.
It was honestly not an easy deci...
3 hours ago
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3 Singapore Dividend Stocks Rewarding Investors in April 2026
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[image: CapitaLand Ascendas REIT (CLAR)]
These three SGX-listed names are paying dividends in April — but the real
story is what's happening beneath the he...
7 hours ago
-
-
Capitaland Ascendas REIT Rights Issuance in Midst of US-Iran War-Subscribe
Or Wait?
-
I nearly fainted when I read that there is another upcoming rights issuance
exercise from another SREIT that I have held onto for many years, that is,
Cap...
9 hours ago
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Complete Guide To EV Charging Costs In Singapore
-
Electric Vehicles accounted for 55% of all new car registrations in January
2026.
The post Complete Guide To EV Charging Costs In Singapore appeared firs...
12 hours ago
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Big Win for Creators: Shopee Finally Rewards Indirect Sales!
-
Previously, I was sharing about how I was earning a sideline income through
Shopee Affiliate Marketing in this post:I Tried Shopee Affiliate Marketing
As A...
12 hours ago
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Manulife US REIT to sell Los Angeles office tower to city’s water authority
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Manulife US REIT has announced the proposed sale of its Figueroa property
in Los Angeles, California, to the City of Los Angeles, acting through its
Depart...
13 hours ago
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Want better investment results? Think in probabilities, not predictions
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Every investor has surely heard bold predictions like these, whether on
YouTube or social media: “This stock will double in a year” or “The market
will c...
14 hours ago
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3 Proven Ways to Identify Quality REITs on SGX
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This article outlines three proven ways to identify high-quality REITs on
the SGX: strong portfolio quality, consistent distribution growth, and
prudent ...
14 hours ago
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Uob - she may go down to test 36.00. If unable to hold , next, we may see
her going down to test 35 and below
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Uob - she may go down to test 36.00. If unable to hold , next, we may see
her going down to test 35 and below!
With ME tensions, stocks market likely r...
16 hours ago
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AI and the Trust Gap: What Singapore Investors Must Know Before Betting on
AI Stocks
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Artificial Intelligence (AI) is everywhere—from chatbots handling DBS
queries to automation tools helping SMEs cut costs. For investors, AI feels
like th...
17 hours ago
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What We Only Learn About Wealth with Time
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If you read Investment Moats long enough, you would know that I am a fan of
this anime call Frieren. It’s season 1 currently tops …
17 hours ago
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AEM share price in massive comeback
-
Is this for real? For the past few weeks, I have been pinching myself to
check if I am dreaming as AEM share price stormed back in an unbelievable
manner...
1 day ago
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What We’re Reading (Week Ending 29 March 2026)
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The best articles we’ve read in recent times on a wide range of topics,
including investing, business, and the world in general.
The post What We’re Read...
1 day ago
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Financial Goals Progress for March 2026
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My Sweet Retirement
Financial Goals Progress for March 2026
I am sharing an update on my Financial Goals Progress for March 2026. The
above chart shows t...
2 days ago
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Is a stock market crash coming? Will I buy the dip or sell stocks with the
Iran war?
-
Okay – I know that all I have been talking a LOT about Iran recently. But
as I keep saying, in my view this is the most consequential geopolitical
event ...
2 days ago
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20 Years On!
-
20 years is a long time. This blog started in 2006. So it has been *20
years*.
This blog started in 2006. Fuck. It's been that long...
In that time fra...
3 days ago
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Starting a Malaysian Dividend Portfolio: A Strategic Step Toward Retirement
in Johor
-
As someone who has spent years building an investment portfolio in
Singapore, I finally made an important financial move to open a Malaysian
investment a...
4 days ago
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3 Stocks I Would Buy with $20,000
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The Singapore market has always been seen as “boring” compared to the US,
but that perception is quietly changing. Beneath the surface of the STI, a
new ...
4 days ago
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NetLink Trust: A Yield Play On Singapore’s Broadband Infrastructure
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I already own NetLink Trust. Now I'm thinking about adding more. Three
factors that grow income, three that eat into it, and whether a 5.5% yield
on Sing...
4 days ago
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How I Cut My [AIA] IP Rider Premium by 68%
-
Faced with a 18% hike in IP rider premium of S$2,237, I switched to
VitalHealth A Value rider. Here is the math behind the 68% savings and why
it's a tacti...
4 days ago
-
US Banks Are Down More Than 10% YTD. Singapore and China Banks Held Up.
Here’s Why.
-
Share prices of US banks have underperformed relative to Singaporean banks
and some Chinese financial sectors in recent periods. The one macro risk
affec...
4 days ago
-
Stop Scanning Hundreds of Stocks… Do This Instead
-
Most traders waste hours scanning charts.
Stock after stock.
Chart after chart.
Hoping to find something that *looks good*.
*But here's the...
5 days ago
-
Singapore REITs Monthly Update (23 March 2026)
-
Technical Analysis of FTSE ST REIT Index (FSTAS351020) FTSE ST Real Estate
Investment Trusts (FTSE ST REIT Index) declined sharply from 721.34 to
664.56 ...
6 days ago
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A Volatile Start, A Measured Response
-
This year didn’t start well. I wouldn’t go as far as saying it has been a
difficult year, but it certainly hasn’t been smooth. The market opened with
vol...
1 week ago
-
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Portfolio Updates: Let the Volatility Work in My Favor
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Following my previous posts: Thoughts on SaaSpocalypse and my strategy, and
Portfolio Cleanup: Trimming Underperformers, this post is an update of my
strat...
2 weeks ago
-
A Walk Down Memory Lane : 30 Years of Investing Lessons and Turning Points
-
It’s hard to believe it’s been 30 years since I first dipped my toes into
the world of investing. As I look back at the journey from a curious
secondary sc...
2 weeks ago
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Feb (Mid March, actually) 2026 Portfolio Update
-
Hi,
Portfolio Returns: 3.13%
STI: 4.49%
S&P: -1.56%
Tracker (HSI-like): 0.41%
Transactions:
Modest but initial purchase of MNRO. This is a coat tail ...
2 weeks ago
-
The 15HWW Permanent Portfolio Update: March 2026
-
Genesis The 15HWW Permanent Portfolio was built during late 2016 with a
capital of around $140,000 and I started tracking it from Jan 2017. The aim…
2 weeks ago
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How To Handle Drawdowns
-
Discover how to handle drawdowns in bear markets long enough for you to see
through profits during bull markets
The post How To Handle Drawdowns appeared...
3 weeks ago
-
Want $1.33m CPF savings & $240k passive income?
-
Hello everybody!This is AK.I am back!Time for another update.I talked about
how I achieved financial nirvana in a YouTube video a few months ago and
also h...
4 weeks ago
-
Portfolio and dividend update February 2026
-
Added the following stocks this month :
UOI
Engro
Able Global
Pico Far East
Dividend payment dates as of time of writing this (those paid already ...
4 weeks ago
-
My Investment Portfolio (February 2026)
-
STI ended a shorter February trading month at 4995 points, up around 1.8%
for the month. In US, potential appointment of new US Fed chief had been
announ...
4 weeks ago
-
A new year, a new workplace, a new start
-
Focus on the learning new things in the new workplace, indeed the profile
or rather the culture of the school is different.
Over the next few years, I ...
4 weeks ago
-
My Investment Portfolio - SG (End Feb 2026)
-
Source: StocksCafe
No transactions were made in the month.
Although there had been no new transactions made for both DBS and Keppel
since April 2024, ...
4 weeks ago
-
Tariffs Revisited: Policy Uncertainty Returns as Fed Risks Build (22 Feb
2026)
-
Dear all Happy Chinese New Year! Gong Xi Fa Cai! I am doing my usual work
preparation over the weekend so as to provide timely updates to my clients.
As ...
5 weeks ago
-
Straits Times Journalist writes on Investment. Tells people to save money
in CPF
-
How bad of a journalist are you if you write for the “Investing” section of
your newspaper and your main schtick is to encourage people to invest in
the Go...
5 weeks ago
-
Budget 2026: Key Numbers and What They Mean for You
-
Budget 2026: Key Numbers and What They Mean for You Budget 2026 focused on
creating more and better opportunities for Singaporeans amidst a changing
glob...
1 month ago
-
iFAST 4Q25: Targets achieved
-
“Singapore private banks have been highly successful, but they primarily
serve high-net-worth clients through non-digital business models. iFAST’s
manageme...
1 month ago
-
DBS Group Holdings Limited (SGX: D05): 4Q & FY2025 Results Review
-
[image: DBS Group Holdings Limited (SGX: D05): 4Q & FY2025 Results]
Headquartered in Singapore, and with a presence of 19 markets globally, DBS
Group Holdin...
1 month ago
-
Gold & Silver Price Surged and Crashed: Is This a Buying Opportunity, Or a
Trap?
-
I was on an overseas trip in China, and over the past few days, I’ve
received a steady stream of messages from clients asking the same thing:
“Ivan, shou...
1 month ago
-
2026 direction for the portfolio - What am I adding, strategies for
portfolio growth and where I want it to be at the end of 2026
-
2025 was quite a good year for the portfolio, it went up in value with my
contributions and also the volatility of it provided such excitement for
me. Ho...
2 months ago
-
Cory Diary : Family Expense Dec'25
-
Dec'25 seen some temporary uptick in expenses. This is after months of
sloping down in expenses.The increase is more on oversea accommodation
expenses. I d...
2 months ago
-
ThumbTack Fund Report 27 – Received A Call From Margin. Didn’t Pick Up. He
Chose Violence.
-
I suspect I won’t enjoy writing this 1st part… but what the heck, it’s the
festive period, let you guys enjoy some schadenfreude. Don’t get too used
to it ...
2 months ago
-
Dividend Warrior FY2025 Portfolio Review - Record High $46k Annual
Dividends! Beyond the $1 Million Portfolio!
-
*Equities Portfolio Cost:* S$684, 447
*Equities Portfolio Market Value: *S$1,048,180
*Equities Portfolio **Unrealised** Profit:* +S$363, 733 (*+53.1%*...
2 months ago
-
FG Year in Review 2025
-
Happy new year 2026! As usual, the start of the year is a great time to
review the last. Since this is a family finance
The post FG Year in Review 2025 f...
2 months ago
-
Portfolio Closing 2025
-
STI closed at 4646
DBS ($56.36)
UOB ($35.06)
NetLink Trust ($0.965)
SingTel ($4.55)
StarHub ($1.12)
CityDev ($8.00)
Keppel Infra Trust ($0.49)
Olam ($0.9...
2 months ago
-
Happy New Year 2026 !
-
*I did Voluntary Housing Refund (VHR) to make the figure looks good. :)*
*Looking forward to S$888,888.88. LOL.*
*I top up MA, S$3,500, to reach the new ...
3 months ago
-
Restarting on Substack...
-
*It’s good to be back.* I’ve finally carved out the time to return to
Substack, and I’m hitting the ground running. My latest thesis is the most
critical...
3 months ago
-
Why Investing is Not About Predicting, but Positioning
-
The post Why Investing is Not About Predicting, but Positioning appeared
first on Re-ThinkWealth.com - Business-like Stock Investing.
3 months ago
-
Loopholes Singapore is on YOUTUBE!
-
LoopholesSG is renamed as 12Trade on YouTube! I will be compiling some of
the content from the blog, enhance with AI of course and
For more articles on f...
4 months ago
-
What Shall We Do About VERS?
-
VERS (Voluntary Early Redevelopment Scheme) in Singapore is a buyback
programme for HDB flats that are around 70 years old
The post What Shall We Do Abou...
4 months ago
-
A Heartfelt Farewell – Stepping Back from the Blog
-
Since starting this blog on 1 January 2019, I’ve spent countless hours
creating posts, charts, and resources about Singapore REITs. Over the
years, it ha...
5 months ago
-
Should You Invest in a Fruit Juice Vending Machine Franchise?
-
Recently, I was at Franchising and Licensing Asia (FLA) 2025 to help out my
friends at The Financial Coconut who were running their live-streaming
booth at...
5 months ago
-
New milestone - $500,000 portfolio
-
*New milestone achieved!*
My stock portfolio market value crossed $500,000 on 1 Sep 2025.
$100k (Dec 2017) -------> $200k (Apr 2020) ---> $300k (Nov 2...
6 months ago
-
Is Suntec REIT A Good Buy Now In 2025?
-
Suntec REIT (SGX: T82U) is one of the pioneer composite REITs in Singapore,
with income-producing real estate primarily used for office and retail
purposes...
7 months ago
-
A brief H1 2025 financial update on my portfolio as almost everything hit
all time high!
-
Writing a brief H1 2025 financial update on my portfolio as almost
everything hit all time high! Frankly speaking, I never expect such a
performance as a...
8 months ago
-
60% of Singaporeans Live Paycheck to Paycheck
-
A recently published report from global payroll and HR solutions provider
ADP featured in a Singapore Business Review article reveals a staggering
truth ...
9 months ago
-
Being hedged is like you wearing an underwear while eating Mala!
-
As HDB prices soars to new ATH (1.5M hDb???) and BTC makes new ATH, i
remain concern about prices moving forward. Tariff suspended / 30 years
Bond ATH / Mo...
10 months ago
-
What do you think I should do now with the ongoing tariffs and trade wars?
-
I couldn’t resist writing about the market crashes caused by the ongoing
tariffs and trade wars. Lots of sg finance bloggers are writing about what
they ar...
11 months ago
-
Feb 2025 – Portfolio Transactions Update
-
No. Counters No. of Shares Market Price Total Value (SGD) Allocation % 1.
Alibaba 3,200 USD 100 SGD 435,200 32% 2. Tencent 5,500 HKD 418 SGD 390,830
29% ...
1 year ago
-
Top 10 Highlights of 2024
-
As a dragon baby navigating the Year of the Dragon, it is inevitable that I
experienced more downs than ups in 2024. Whether it is at work, familial
rela...
1 year ago
-
My Passive Income Diary: November 2024
-
If you have yet to read my previous month update, here is the link:
https://justbeingernest.blogspot.com/2024/11/my-passive-income-diary-october-2024....
1 year ago
-
Webinar: Investment Strategies for Q4 2024: Navigating Rate Cuts and
China’s Market Rally
-
16th October, 2024, 1:09 PM I will be speaking in an upcoming LIVE
webinar on 23rd Oct (Wed) organized by Holistic Wealth Planners. As we
enter Q4 2024...
1 year ago
-
Turning Disadvantage into Superpower | Matt Harty (The Trade Desk [Asia] /
SOLV Technology)
-
Turning Disadvantage into Superpower | Matt Harty (The Trade Desk [Asia] /
SOLV Technology)
I feel so privileged to have met Matt Harty. Listening to his...
1 year ago
-
The Stigma against Early Retirement (FIRE)
-
Retirement is a word that invokes fear.
The fear of not having enough money to retire. The fear of money running
out during retirement. The fear of the r...
1 year ago
-
Starting on a new telegram channel
-
Hi everyone! It’s been a few months since our last update. When we first
started in 2021, we wrote our updates quite regularly, and we want to see
if we ca...
1 year ago
-
APAC Markets: First Trends in 2024
-
Last year’s high flyer Japan led the list of the best-performing markets in
Asia-Pacific in January. Our regular ranking of the stock markets in
Asia-Pac...
2 years ago
-
Привет, мир!
-
Добро пожаловать в WordPress. Это ваша первая запись. Отредактируйте или
удалите ее, затем начинайте создавать!
2 years ago
-
2023 Review – How is Miss Niao after 8 years?
-
2023 marks the 8th year since the birth of this blog, and the first year of
life of my baby girl. Life is different when two becomes three. Life seems
to b...
2 years ago
-
Rolf 2023 in Review, Looking forward to 2024!
-
Happy new year to all. This post came late. But better late than never,
:-). Looking back, 2023 has been one of the most eventful
The post Rolf 2023 in R...
2 years ago
-
September Portfolio Update: A Season of Change and Strategic Shifts
-
As September rolls in, it brings along a whirlpool of changes in my
investment horizon. The past three months have been somewhat of a still
water phase w...
2 years ago
-
Technical Analysis May 2023: OMESTI (BURSA: 9008)
-
OMESTI BERHAD
Observation from Chart:
OMESTI (9008) forming lower high & lower low.
Will it breakout downtrend resistance level?
Other indicator:-
M...
2 years ago
-
Dear friends of CW8888
-
Dear friends,
My family and I would like to express our thanks for the many kind thoughts
and messages extended our way over the past weeks, particularly...
2 years ago
-
Farewell, Uncle CW8888
-
On 8 April 2023, I lost a friend.
To honour the memory of Uncle CW8888, let me share a few nuggets of wisdom
I have learned from him as well as some of t...
2 years ago
-
To my beloved friend CW8888
-
It is with infinite sadness that I came out from my hiding hole to blog
about the passing of a dear friend, CW8888, whom I affectionately call
senior bro...
2 years ago
-
Takeaways from “Sea Change”
-
Howard Marks, a billionaire and founder of Oaktree Capital Management, is
known to be a critical thinker and he shares his views openly in his memos.
He ...
3 years ago
-
BRC Asia - Phillip Securities 2022-08-04: Construction Sector Recovery
Remains On Track
-
[image: BRC ASIA LIMITED (SGX:BEC) | SGinvestors.io]BRC ASIA LIMITED (
SGX:BEC)
BRC Asia - Construction Sector Recovery Remains On Track
- BRC Asia (SG...
3 years ago
-
Simsville raises reserve price for potential en bloc sale to top S$1B
-
[image: SimsVille Condominium in Singapore’s Geylang neighbourhood]The
reserve price for the potential Simsville en bloc sale has been raised to
S$1.05 b...
3 years ago
-
Cryptocurrency
-
Believe by now majority should have heard about the crypto crash.
There was quite a number of times, my PYM subscribers asked why am I not
into crypto as t...
3 years ago
-
We lost >2 million SGD in the Collapse of Terra LUNA & Good Bye
-
After the "Great Depeg" of UST and the collapse of Terra LUNA, we received
lots of messages, emails and comments. Usually, I would try to reply to all
of t...
3 years ago
-
1 Year in NUS – Portfolio Update and 15% Yield on USDC!
-
Hello! I am sure it has been almost close to a year since I updated this
blog. I sincerely apologised for my inactiveness in updating my blog as I
have bec...
3 years ago
-
What Is Money?
-
What is money? M1 is a measure of the country’s money supply. This includes
all currency held by the public, and all transaction deposits in depository
i...
3 years ago
-
Hello world!
-
Welcome to WordPress. This is your first post. Edit or delete it, then
start writing!
3 years ago
-
Ultimate List of Gluten-Free and Gluten-Free Friendly Restaurants and Cafes
in Singapore
-
We've compiled a list (and map) over 60 gluten-free friendly restaurants
and cafes!
The post Ultimate List of Gluten-Free and Gluten-Free Friendly Resta...
4 years ago
-
Actual Hospital Bill for Normal Delivery - Thomson Medical vs. Mount
Alvernia vs. Mount Elizabeth
-
*How much does it cost to give birth in Singapore today amidst the
pandemic? If you intend to deliver in a private hospital, these 6 bills
from different...
4 years ago
-
Bumitama Agri: Reaping a bumper harvest
-
Bumitama Agri has caught my attention recently. According to DBS, it is
trading below its average PE multiple, and far below the multiple of its
peers. I a...
4 years ago
-
2021 Performance Scorecard
-
Here's my performance scorecard for 2021
The post 2021 Performance Scorecard appeared first on Risk N Returns.
4 years ago
-
Are crypto the new stocks?
-
Your takeaway: Crypto tokens are flexible creations. Many crypto tokens
were created with a strong similarity to stocks, which make them …
Continue read...
4 years ago
-
Manulife US REIT: A Positive Strategy Divergence
-
Fuelling the Next Leap in Growth through the Sun Belt and Emerging Markets
by: Tam Ging Wien
------------------------------
*All examples and stocks quote...
4 years ago
-
Guide to HDB Resale Application (Without Agent)
-
1. Register Intend to Buy
This is the very first step to do and a very simple application to register
your intend to purchase a flat. The application is ...
4 years ago
-
06 August 2021 - Portfolio in Paper Loss Due to China Crack Down
-
*I am not a financial advisor and this post is purely my views. It is not
investment advice or reference material to make any decision. **I am
vested in...
4 years ago
-
CPF Balances Update – June 2021
-
It is the end of June with all mandatory contributions in for the month. SA
balance currently stands at $129,039.53, more than half of 2021 FRS or
69.4% of...
4 years ago
-
New Email Delivery Services - Follow It
-
This post is intended for long time followers of Singapore IPOs and SRS
Retirement Fund who have been receiving daily email updates. As Feedburner
has deci...
4 years ago
-
New Email Delivery Services - Follow It
-
This post is intended for long time followers of Singapore IPOs and SRS
Retirement Fund who have been receiving daily email updates. As Feedburner
has deci...
4 years ago
-
Straits Times Index (Week of 7 June 2021)
-
The Straits Times Index (STI) opened this Monday morning at 3,169.69
points, how will it fare in the near future?
After reopening most of Singapore's ec...
4 years ago
-
GMS Short Term now Risk-Off [Mid-week update]
-
Meaningful spike in the $VIX as mentioned in our post on Sunday with the
$VIX now decently above 20. Conditions are still deteriorating across asset
classe...
5 years ago
-
How much can you put in your Medisave Account?
-
It has been ages since i’ve written anything. Ever since we came out of
lock down the option to work from home no longer existed for Mr Kua Simi.
It didn’t...
5 years ago
-
CPF Top Ups
-
I took a leap of faith and decided into topping up my CPF Medisave Account
yesterday.
Amidst the frenzy market movements so far, I always wonder if giving...
6 years ago
-
Thinking, Fast and Slow - Selling Winners Too Early and Keeping Losers For
Too Long
-
In the previous few posts, I have touched on the topics of Anchoring Effect
, Prospect Theory, Endowment Effect and Narrow Framing in the book review
of *...
6 years ago
-
Trading Idea: Long SGD/TKX
-
1. TKX has broken 100-day mark and it is gaining momentum.
2. With the rising momentum and diminishing supply, it is expected to
test the 0....
6 years ago
-
weekly review #5 2020
-
*Thoughts*
There's a new bug in town, and it is causing quite a bit of scare.My
trading positions are down, in fact my income positions too!but i guess
thi...
6 years ago
-
-
Boring Turtle History of Cash Top-Up and Voluntary Contribution
-
Old Turtle is going to touch on a very sensitive and taboo topic in
Singapore once again on CPF aka Central Provident Funds. I got some really
nasty comme...
6 years ago
-
Portfolio as of 31 December 2019
-
The counters on the SGX that I am holding as of 31 December 2019 are as
follows:
and on the Bursa are as follows:
A counter that appears both h...
6 years ago
-
Thoughts on a 27 Year Old Researcher Spending Profile
-
So there was an interesting article from Cleo Singapore that was reproduced
on AsiaOne about a 27 year old.
As an overview, I thought it was nice that she...
6 years ago
-
2019 Portfolio Review
-
I am becoming lazy to doing updates...
Time flies and 2019 is gone. All my tradings are done and all dividends
are collected. It is time to do a final r...
6 years ago
-
There are some things more important than money.. it is our lives.
-
*p.s. This past month has been busy for me, I was away on a business trip
(my first!) and I did some buy/sell for my portfolio which I will post in a
separ...
6 years ago
-
DEBT, DEBT, DEBT!
-
Date: 2019-07-17
Source: IMF blog
Article 1: https://blogs.imf.org/2018/04/18/bringing-down-high-debt/
Global debt hit a new record high of $164 trillion i...
6 years ago
-
Learning through cheap books/internet versus expensive training courses
-
I have never attended any trading/investment courses before. Not even free
ones which are usually sales preview. I declare upfront that I am
personally bia...
7 years ago
-
Being Frugal or Being Cheapskate?
-
Everyone is born with a different spoon in their mouth. Some entered the
world with a golden spoon right up while some are out with a plastic one.
Nonethel...
7 years ago
-
Portfolio Update - 2018 Aug
-
What a way to end my first year of investing journey! My two top holdings:
the AA tag team, AEM & AMAL, were whacked upside down furiously. Could
never ima...
7 years ago
-
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