Author: Azrael's Financial Cents

Investing my CPF OA with Endowus

Previously, I was talking about maximising my CPF OA returns using Professionally Managed Products such as unit trusts, you can read it here on why they increase your overall returns rather than investing solely 35% of the OA on your own. That being said, I am taking a hybrid approach where I reserve 35% of my OA as a warchest for crisis investing while investing the rest over the first 20k. I hope it maximises my returns. Today, I show you how I invest my CPF OA using Endowus. If you would like a hands-free approach (which I guess...

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Using Professionally Managed Products to Maximise Investing for CPFIS

I think for many bloggers who do DIY (Active) Investing like myself would prefer to invest using 35% of their CPF-OA over passive investing. I am a proponent of DIY investing as it keeps costs low, despite a steep learning curve, it does give me some satisfaction. However, for the CPFIS, I lean towards passive investing using professionally managed products which allows you to use all OA funds in excess of the first 20k. Reason being is that considering my historical performance of 7-8% compounded or even REITs which could yield perhaps 12% compounded, blended with the remaining 65%...

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Portfolio Transactions Update (October 2019)

Updates for my portfolio for October 2019 Still need a lot of work on my portfolio watch list (I am relying on a few subscription services right now). I am still working on something on the side, but there seems to be some issues I have to resolve. Hope it is done by the end of year. Work has been rather stressful and busy recently with little to no time to watch over the markets. Makes me wonder why am I doing this as well, I guess working for money has such issues. Let’s see how everything goes. Sell PSQ 33...

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My Wonderful Experience Purchasing insurance from Moneyowl DIY

I have been wondering how using MoneyOwl is like. I was reviewing my own insurance portfolio and wanted to switch one of my plans. So knowing what I wanted I jumped straight to it. You can see the different kinds of insurance sold here. What annoys me is that MoneyOwl, even after I create an account with all my personal information, it doesn’t save your birthday. I have to re-click the dates again when I want to change certain filters to have a look. So here are the plans listed, Aviva is at the bottom (my screen isn’t big...

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Portfolio Transactions Update (September 2019)

Updates for my portfolio for September 2019 Still need a lot of work on my portfolio watch list (I am relying on a few subscription services right now). I am still working on something on the side, but there seems to be some issues I have to resolve. Hope it is done by the end of year. Work has been rather stressful and busy recently with little to no time to watch over the markets. Makes me wonder why am I doing this as well, I guess working for money has such issues. I saw a friend who will...

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Converting my NTUC Member Card to the Credit Card and get $60 for free!

So previously, I was on the PLUS Credit Card for simplicity in my finances as written here(too lazy to keep optimising points/rewards that don’t make a huge impact on my finances, I am back on the FRANK Credit Card now due to certain lifestyle changes). For some time, I had the NTUC PLUS membership card that is paid for by my company although my company is not part of any union. That’s not me So I heard a friend of mine converted his to the Credit Card with no issues (his company issues the card too). That made me...

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Portfolio Transactions Update (August 2019)

Updates for my portfolio for August 2019 Still need a lot of work on my portfolio watch list (I am relying on a few subscription services right now). I am still working on something on the side, hope to get something out by the end of next month. There seem to be new challenges in life personally recently as well. Let’s see how everything goes. Sell PSQ 34 Calls for 0.10 Reasons Playing and testing with a concept which a recent reader who discussed on my blog previously, using a very low Delta as well as a timeframe of...

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Options Writing Flowchart

So previously I was talking about trying out some options as a way to utilise cash while waiting at the same time, complement my investing strategy. You can read my prior posts about this here and here. Presently, I am still tweaking it and trending Delta of each of my option trades to see how to do it better. So far, Support and Resistance from Technical Analysis works somewhat. Also, I am mostly writing options on a 1 month to a few weeks timeframe. You can find the chart here on Google Drive. Options Writing Flowchart I am still...

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Portfolio Transactions Update (July 2019)

Updates for my portfolio for July 2019 Still need a lot of work on my portfolio watch list (I am relying on a few subscription services right now). I am still working on something on the side, hope to get something out by the end of next month. There seem to be new challenges in life personally recently as well. Let’s see how everything goes. Buy Lion Rock Group for 1.35 Reasons Trading at 7.3% yield, which is at the past 10 year historical high yield of 7.3% Adding more as it is still tiny in my position Well,...

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Transferred my PSEA Funds into CPF SA

I belong to the group where I cannot use my PSEA (Post Secondary Education Account) funds to pay for my studies as I studied at a private university. PSEA funds can’t be used for anything except education. And doing a Master’s degree or PhD doesn’t seem to be useful for my career (for personal development, reading books are enough). So it always irks me that the funds are stuck inside the account earning 2.5% per annum like the CPF OA. Makes it worse, considering that for the SAF 1st Milestone award, $3000 goes inside. Per policy, the PSEA funds are released...

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TD Ameritrade now accepts FAST Transfers for funding

For those of you using TD Ameritrade (TDA) or Thinkorswim, I was previously informed by their team that FAST SGD funding can be now done, so we can avoid all the fees from the damned Telegraphic Transfers. You have to use a DBS account (I’ll try with my POSB account, I think it should work). The link is here. The steps are: You will need to contact them via email or phone to register your interest at +6568232250 or funding@tdameritrade.com.sg After that, provide a bank account statement from the account to send money. TDA will verify your account and...

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Tibits I Learnt from Mapletree Commercial AGM 2019

I thought I dropped by for Mapletree Commercial AGM this year. It is actually one of the larger positions in my portfolio and has a paper gain of about 45% since I bought it. Well, like the prior AGM I attended at Mapletree Business City Town Hall, there’s a huge amount of investors in their 40s onwards. And this time, it was so full that I had the privilege of sitting in a seminar room to watch it remotely. I guess it is a blessing in disguise as I had a table and more space. So here we go:...

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Tibits I Learnt from Mapletree Industrial AGM 2019

I decided to go to Mapletree Industrial REIT AGM this year as I was considering to keep or divest this counter. This would be a short one, as I was, very unhappily, disrupted by sales call (which I mistook for something else) from Investing.com/Alexo who kept insisting on his service when all I wanted when I registered was to have push notifications of news related to my watchlist on the app. I do know what he is talking about but I don’t think he really knows what I am talking about, so I gave up, and just ended the...

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Blog New Look

In my prior post here, I wrote about doing a revamp of my blog layout, and I was tweaking and testing it (loading and unloading the theme, and fixing any bugs if any). I am actually writing this to take my mind of some family issues that happened recently. I have always like those prettier layouts like The Fifth Person and Risk N Returns. In fact, it was KK from Risk N Returns that made me decide to try getting a better looking one again (from the one here). Why not purchase a domain and install wordpress?However, unlike quite...

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Portfolio Transactions Update (June 2019)

Updates for my portfolio for June 2019 Still need a lot of work on my portfolio watchlist, looking to include shares from other developed nations. I am still working on something on the side, hope to get something out by end of next month. Let’s see how it goes. I am also facing new stressful challenges at work, hope I would be able to perform to hit my next milestone salary in the next few years. Sell Hongkong Land for 6.8 Reasons I missed the peak at 7.5, but didn’t have any opportunities then Selling shift funds from HKL...

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