Added the following counters: 2,000 shares of Accordia Golf Trust. 932 shares of Nikko AM STI ETF. My Portfolio has reached the S$120,000 mark of invested capital. December 2014, the invested capital was only S$72,500. I hope I can keep this going. Read: Dec 2014 Portfolio Update - Growing My Passive Income Work Hard, Save Diligently and Invest
Final 2015 Dividend Update - Growing My Passive Income
Final 2015 Dividend Update - Growing My Passive Income
2015 is the first year that I have tracked my dividends diligently. Recording everything down on my trusted excel sheet. It feels good to see the progress. Total dividends (2015): ~S$6,206.76 Average Monthly Dividends: ~S$517 A breakdown of the dividends/ interest for 2015: Nikko AM STI ETF - S$643.44 Keppel Infrastructure Trust - S$645.81 Suntec Reit - S$888.77
Nov 2015 Portfolio Update - Growing My Passive Income
Nov 2015 Portfolio Update - Growing My Passive Income
Added the following counters: 10,000 shares of Accordia Golf Trust. 5,000 shares of Kingsmen Creative. 443 shares of Nikko AM STI ETF. My Portfolio is reaching the S$120,000 mark. Can't wait for it to reach the S$150,000 mark. P.S. Fellow bloggers and readers that have send me emails and comments, thank you all. We are working on our
When Investing Lost Its Meaning
When Investing Lost Its Meaning
I always believe in investing early to ensure I would able to enjoy life later. It was a personal goal. A goal I thought would benefit me, my partner and my family. But it was just a personal goal I worked on alone. A goal that my partner wasn't align to. Now that my marriage is on the
What's the Price ($) for my Retirement?
What's the Price ($) for my Retirement?
As I save, then invest (and then reinvest), I asked myself how much exactly do I need for my retirement. How much is it necessary for retirement in general? Is there a magic number? If you ask yourself the question now, how much money do you think you need to retire? Is it S$1M, 2M, or 5M? I
Switching to UOB One Account
Switching to UOB One Account
My emergency funds has been deposited in both OCBC 360 and Standard Chartered Bonus$aver account for quite some time now. At the start of the month, I decided to make the effort to open the UOB One account. UOB One account offers up to 3.33% interest annually for up to S$50,000. Really? There are always terms and conditions
2015 9M Dividend Update - Growing My Passive Income
2015 9M Dividend Update - Growing My Passive Income
Time to check my progress. Total dividends (9M 2015): ~S$4,681 Average Monthly Dividends: ~S$520 A breakdown of the dividends till September 2015: Nikko AM STI ETF - S$643.44 Keppel Infrastructure Trust - S$503.15 Suntec Reit - S$586.49 OUE Hospitality Trust - S$245.50 Fraser Commercial Trust - S$73.98 CapitaMall Trust - S$165 Starhill Global Reit - S$307.20 Asian Pay
Sep 2015 Portfolio Update - Growing My Passive Income
Sep 2015 Portfolio Update - Growing My Passive Income
Added the following counters: 5,000 shares of Suntec Reit. 2,000 shares of Starhill Global Reit. 8,000 shares of Accordia Golf Trust. 1,000 shares of SMRT 15 shares of Fraser Commercial Trust as I participated in their scrip dividend scheme (Few months back that I failed to record it down) 869 shares of Nikko AM STI ETF. Sold the
Have I been Frugal enough?
Have I been Frugal enough?
A recent article by Business Insider - 5 frugal habits of the world's richest people - got me thinking if I was even frugal in the first place. I always thought I was. At least, I try my best to be one. Five (5) Frugal Habits of the Wealthy "Research and anecdotes teach that wealthy people, including the very
More making voluntary contributions to CPF account - CNA
More making voluntary contributions to CPF account - CNA
Source: Image from CNA In a Channel NewsAsia (CNA) article on 18 Sept, it reported that more people in Singapore are making voluntary contributions to their CPF account. According to the CPF Board, these top-ups amounted to about S$500 million in 2014. That is 25% more as compared to 2013. A former investment analyst Lim Chin Yong, a
S$8,274 interest accumulated from CPF-SA in the last 5 years
S$8,274 interest accumulated from CPF-SA in the last 5 years
I have been writing CPF-related blogs and how we should be using the Magic of Compound Interest (risk-free) in our CPF to our advantage. This really got me wondering how much interest has my CPF SA accumulated over the years. I was pretty happy to know - from the start of 2010 to the end of 2014 -
CPF-related poster 'Misleading' or 'Informative'?
CPF-related poster 'Misleading' or 'Informative'?
I came across this picture of a CPF-related poster on Facebook recently. Different people shared it with different captions. Here are some of the captions: "Next time if people ask you to explain compounded interest, show them our CPF amount." "From 1cent can become 5.6 Million dollars....In just 30 days! PAP HUAT AH! This time we really HOSEH
Will CPF still be an election topic in 2045?
Will CPF still be an election topic in 2045?
Yesterday, close to 2.5M Singaporeans went to the polls. I have followed and voted in three General Election (GE) - 2006, 2011 and 2015. In all these GEs, Singapore's CPF has always been an election topic. So will CPF still be an election topic in 2045? Source: AsiaOne Money will always be a sensitive issue. I will be 60
Will I be working till 67 (raised re-employment age)?
Will I be working till 67 (raised re-employment age)?
Singapore's Prime Minister Lee Hsien Loong mentioned in this year's National Day Rally that the re-employment age will be raised from 65 to 67 by 2017. "Many people who are in their 60s want to work longer. They say, “If I sit at home and do nothing, I will go ga-ga. Furthermore, my wife will tell me to
Choosing the right CPF Life Plan - The Sunday Times
Choosing the right CPF Life Plan - The Sunday Times
I believe this article in The Sunday Times (23 Aug) should be archived (especially the info-graphic below) in this blog. The CPF Life Plan is compulsory for all Singaporeans and PRs who reached 55. So in 20 plus years time, albeit there will surely be more changes to the CPF scheme, the CPF Life Plan will be one
War chest... oh war chest.. when should I use you?
War chest... oh war chest.. when should I use you?
I was just barely 6 months in my first job when the financial crisis of 2007-08, also known as the Global Financial Crisis (GFC), happened. I remember losing approximately S$12,000 (probably 50% of what i had) back then. I felt lucky exiting my positions earlier. But I didn't had the cash to take advantage and accumulate the stocks
What if the STI goes down 5% every month for a year?
What if the STI goes down 5% every month for a year?
The Straits Times Index (STI) has underwent a major correction of at least 15% in the last 4 weeks. A lot of investors and stock holders in the local market are definitely feeling the pain. This includes myself. My gains over the last 1.5 years were all gone in the last 4 weeks. I have been buying the
10 years Plan to clear my HDB Loan?
10 years Plan to clear my HDB Loan?
In my earlier post - Should I Transfer Savings from the OA to the SA?, I grappled with the fact of transferring some savings from my CPF OA to my CPF SA before using the rest of the saving to lower my mortgage loan. Being able to finance my hosing loan is a consideration for keeping my savings
Should I Transfer Savings from the OA to the SA?
Should I Transfer Savings from the OA to the SA?
I am contemplating if I should transfer my savings in my CPF Ordinary Account (OA) to my Special Account (SA). If I do transfer savings from the OA to the SA, I will be able to earn higher interest. However, I do know that the transfer is irreversible and you can only transfer an amount up to the
Annual Report - 2015 [> S$500,000]
Annual Report - 2015 [> S$500,000]
It has been a yearly ritual since 2012 that I will tabulate my "Balance Sheet" just before my birthday. Looking back, this has been an important exercise which allows me to track my progress. It is a simple exercise to assess my current and non-current asset. I define my current asset has all assets that are reasonably expected
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