Author: A Path to Forever Financial Freedom (3Fs)

10 Thoughts On Panic Market Selling Today

It’s been a long time since we saw markets behave the way they are like this. The last time was sometime during 2014 if I recall but the volatility fell short as market continues to go up thereafter. Since, it’s been an easy ride for investors as the stock market goes one way higher and higher. I promised to keep moments like this so that I can look back a few months or years later. Here are 10 of my thoughts of the market today: 1.) The market goes up in a steady manner but goes down jumping a...

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Child Portfolio – "Feb 18 – SG Transactions & Portfolio Update"

Back in 2014, we created a dividend portfolio for Baby B1.0 when he was born. The whole idea was pretty simple – we wanted to take advantage of the power of compounding by investing early and reinvesting all the dividend income received into purchasing another basket of dividend companies. Our idea back then was to eventually instill a habit and lead by example by teaching him the importance of investing from young which we will be certainly be involving him as he gets older. Since it is evident that his time horizon is longer than us and it is...

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The Days Are Long The Years Are Short

The days are long but the years are short. This is what parenthood has to offer and those who are parents yourself will understand where I am coming from. My younger son turns 1 tomorrow and coincidentally he shared the same birth date and year as the son of one of the community blogger, LP (Happy birthday Zef!). 4th year of parenthood This is technically my 4th year of parenthood since I become a parent in 2014 when my elder son was first born. Back in the days, some days feel extremely long with the changing of the diapers, frequent...

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Recent Action – Tuan Sing

I recently initiated a new position for Tuan Sing at a share price of 47.5 cents for 40,000 shares. Tuan Sing caught my eye only recently after the report from UOB came out back in Nov last year, highlighting a few of their solid development and investment properties on hand. Since then, I’ve been studying the company to understand it a little better. The company has been undervalued for a long while, and it continues to be so until the recent few years when they build up market cap to compete with the rest of the other big boys....

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You Need 2 out of the 3 Levers To Achieve F.I.R.E

Having financial independence as a target should be a long term goal for everyone. Achieving Financial Independent Early Retirement (F.I.R.E) on the other hand makes the task even more difficult because we are competing for time where it plays a big factor. Long term readers of my blog know that I’d like to achieve F.I.R.E sometime in the mid 30s from the start, and I’ve always make this as a personal stretch goal which I will review each year. I have always believed that there are 3 levers that will determine the outcome of my situation and that I...

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"Jan 18" – SG Transactions & Portfolio Update"

No.  Counters No. of Shares Market Price (SGD) Total Value (SGD) based on market price Allocation % 1. Comfortdelgro 85,000 2.03 172,550.00 28.0% 2. M1 75,000 1.78 133,500.00 22.0% 3. Fraser Logistic Trust 80,000 1.16 92,800.00 14.0% 4. Ho Bee Land 30,000 2.54 76,200.00 11.0% 5. ST Engineering 20,000 3.32 66,400.00 10.0% 6. Vicom 8,000 5.81 46,480.00 8.0% 7. EC World Reit 20,000 0.77 15,400.00 3.0% 8. Warchest – – 12,000.00 2.0% Total 615,330.00 100% I’m excited to begin the new year with some new addition to the portfolio. The market has been somewhat kind in this January where...

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Debunking The Rule of Thumb About Emergency Funds

It’s been quite some time since the last time I talked about something that is related to personal finance so I think it’s about appropriate to revisit them in the early days of the year. The topic related is about emergency funds and it is right at the heart and foundation of personal finance. Often, we hear about the internet or professional consultants who preach about how importance it is to keep at least 6 months of our living expenses as emergency funds before we can start investing and growing the rest of our funds. In this post, I...

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Investor Sentiment in Today’s Bull Market

The new year has started with its first green week and the general sense you get from the market is the people on the street are more optimistic, building up a strong end to 2017. Sir John Templeton once gave a great quote that says “Bull market is born on pessimism, grow on skepticism, mature on optimism, and die in euphoria”. If you’d ask me which stage do I think the market is right now, I would think that we are at the optimism stage, which is usually accompanied by higher market valuation, higher interest rate, tightening of the...

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Things I Look Forward To In 2018

With just over a day before the new year, I think it’s about time to sit back and self reflect about what are some of the things that I expect in the new year 2018. I wanted to originally do a target to achieve in the new year but quickly changed it afterwards because not everything is a target. Some are events that will just happen with the flow of time. 1.) Achieve a portfolio target of 10% returns Since this is a finance blog, I think it is still something which I must put in mind at the...

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2017 XIRR & Overall Performance

First of all, apologies for the lack of recent posting as I had just returned from a 2 week work trip overseas followed by a week of holiday thereafter back to back. As we are winding down this year, I would like to take some time to do a self reflection review of the performance for this year. While we still have a few trading days to end the year, I really want to summarize and close for this year so that I can already start preparing for the new year ahead, which promises to be another exciting year....

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"Dec 17" – SG Transactions & Portfolio Update"

No.  Counters No. of Shares Market Price (SGD) Total Value (SGD) based on market price Allocation % 1. Comfortdelgro 85,000 1.91 162,350.00 26.0% 2. M1 75,000 1.79 134,250.00 22.0% 3. Fraser Logistic Trust 80,000 1.10 88,000.00 14.0% 4. Ho Bee Land 30,000 2.49 74,700.00 11.0% 5. ST Engineering 20,000 3.21 64,200.00 10.0% 6. Vicom 6,600 5.76 38,016.00 6.0% 7. Warchest – – 52,000.00 8.0% Total 613,516.00 100% We are finally at our final month of the year. I also did some window dressing to the portfolio going into 2018, knowing that I will be busy in the month of...

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Bringing Accountancy To Life

I know that we are all finance geeks when it comes to life hence it may be easier to look at it the philosophical way when it comes to it. Life on the other hand is a bit more fragile and often people questions the existence of decision that has an impact in our lives. This is the Balance Sheet of Your Life. The day you were born is the day you IPO-ed yourself to the public. While you may own the majority of ownership in yourself, often we are shaped by how the public would view and vote for...

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Sabana Reit – Update On Strategic Review

I wrote on Sabana just a couple of days ago (Link Here) and wanted to update on their latest announcement. The update on the strategic review is finally out on Friday morning. This explains why the share price has been sliding down in the past couple of weeks since they announced their Q3 results, perhaps there are insiders who already knew about the news. I wanted to summarize the update in a nutshell to give us fellow investors some train of thoughts on what we need to do with this. 1.) Talks with ESR Reits have ended. This is...

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Recent Action – Sabana Reit

The recent downtrend of the company puts me into the buying radar zone and I managed to purchase 230,000 shares of the company today at a share price of $0.415. This purchase immediately made this into my top 3 holdings. You might have recalled that earlier in the year I managed to purchase this at a lower discount at 34 cents (Link Here) when there is still all the ongoing saga about the revolt of the management, and since then a lot of things have happened. This is a special play situation. My main thesis of buying into this...

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Factor Based Investing Course (by Dr. Wealth) – Review

I had the opportunity to attend Dr. Wealth 2.5 days course which spans across the weekend thanks to the invitation by the team. This was my second time attending their courses and it is a very much expanded and improvised course than the first one I attended, which touches only on the CNAV (Conservative Net Asset Value) concept. You may want to read my earlier review on the course here. I’ll try to cover as much as I can without detailing too much of what they teach because I believe if you want to become a successful investor, you’ve got...

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