Buy transactions for Mar 2017

Let’s get the part about our Buy transactions for Mar 2017 out of the way first. Automated Investing Maybank Kim Eng Monthly Investment Plan Buy 30 units of SPDR STI ETF (ES3 on SGX) at S$3.15 per unit on 8 Mar 2017 Transaction cost of S$1 POSB Invest-Saver Buy 30 units of Nikko AM STI ETF (G3B on SGX) at S$3.22 per unit on 14 Mar 2017 Transaction cost of S$1 OCBC Blue Chip … [Read more...]

How to survive the corporate grind?

I went for a career development course sponsored by my bank today morning. I had previously gone for the induction training session a few months ago, which turned out to be really fun and interactive. Whilst providing me with a good overview of the corporate values, culture, leadership and structure of the bank. Similar sessions that I have attended at my previous firms have always turned out to … [Read more...]

What are your numbers?

Having just posted about our Sell transactions for Mar 2017, I just realised it’s about time to write about our Buy transactions for Mar 2017 as well. Just need to wait for our last automated POSB Invest-Saver investment into the ABF Singapore Bond Index Fund (A35 on SGX) to go through early next week before I do so. In the meantime, I’m free to write about anything that comes to my mind. I know … [Read more...]

Sell transactions for Mar 2017


This investment event was big enough for me to write a short post about it. Given the recent run-up in equity markets, we have decided to sell some of our stock holdings and take some profits. The last time we sold any shares was 1.5 years ago in Aug/Sep 2015. This is part of our overall strategy to focus on building up our ETF portfolio and simplifying our share portfolio. Over time, we should … [Read more...]

Knowing when to take a break

There has been no new post on this blog for the past week. Reason being my wife and I went for a trip to Seminyak (Bali) for a few days with our good friends and their almost 2 year old daughter. We stayed in a 2 bedroom villa and had a great time brunching, wining & dining at different cafes & restaurants every day. The local food scene in Seminyak never ceases to amaze me and it is … [Read more...]

OCBC Bank pilot robo-advisory service

Have you read this article yet on about OCBC Bank’s pilot robo-advisory service? I’m a big supporter of robo-advisors and this piece of news caught my eye. After all, I have been waiting for Smartly to launch since last year and was starting to wonder why it’s taking so long for competitors to show up. Especially when there should be demand for robo-advisory services from millennials … [Read more...]

Tax relief case for working mothers

It’s Tax Season 2017! Got a reminder message from Inland Revenue Authority of Singapore (IRAS) to file my Year of Assessment (YA) 2017 income tax return for the year 1 Jan 2016 to 31 Dec 2016 by mid April 2017. How nice of them to let me know it’s time to pay my dues to the Singapore Government. Oh well, at least the personal tax rates are low here, could have been worse like when we were back in … [Read more...]

Having the right people around you

I just realised my past few posts have been about our investment transactions, dividend income and interest income for the month of Feb 2017. I decided against writing a net worth post this time round since I just about had enough of reporting on another financial status update for the month of Feb 2017. Might be a good idea to space them out and mix them up with other types of posts so I don’t … [Read more...]

Investment transactions for Feb 2017

I’m going to first address the updates to the OCBC 360 bank account from 1 Apr 2017. As bank profits fall, one of the ways they can reduce expenses is by lowering the interest payments on the high interest bank accounts. This can be done easily by adjusting the interest rate tiers downwards that are earned on the various requirements to be met with one month’s notice and especially after they have … [Read more...]

Dividend income for Feb 2017


I was reviewing the Dividends section of my SGXCafe portfolio and was happy to see the dividends to be collected these few months from various stocks and ETFs. They are more than the amounts I collected the same time last year and I’m pleased with the progress we have made. Slow and steady but definitely on an upwards trend. Let’s have a look at the dividends we received in Feb 2017. SGX SPDR … [Read more...]

Interest income for Feb 2017

Passive income post time! First one of the month is usually for the interest income received from our various bank accounts in Singapore and Australia. For certain months, we also receive interest income from the corporate bonds that we hold. And Feb 2017 is one of them. Which is why this post is being written towards the end of the month since I was waiting for all of the interest to be credited … [Read more...]

Do household income trends matter?

The Department of Statistics Singapore (SingStat) issued a press release and report on Key Household Income Trends 2016 recently. You can look at the summary of key trends in the press release and find the detail in the report. This is one of the most interesting data reports from SingStat that I have looked at. The other being the article on households’ spending by age group. It gives my wife and … [Read more...]

What’s in the Singapore Budget 2017 for us?

Finance Minister Heng Swee Keat delivered the Singapore Budget 2017 on Mon 20 Feb. Since I have spent a few years working in the tax division of accounting firms in Australia and Singapore, the Budget speech is something I have gotten used to following every year. It has become a habit to review the corporate, personal and other tax measures that are announced then. But let’s focus on how this … [Read more...]

Challenges for the modern millennial woman

Do you remember a post I wrote last year about why I left my previous job? One of the main reasons being the deteriorating relationship between my tax partner and tax manager (after her return from maternity leave) over mismatched expectations, lack of communication and poor conflict resolution. This put me in a difficult position in the middle between the both of them and I hated it. Would you … [Read more...]

Market cycle approach to working and ETF investing

I haven’t posted anything new in 2 weeks. Work picked up and the past 2 weekends were packed with family and friends meetups for lunches and dinners. Typical life of a working couple without kids. We spend most of the week at work during the day and with each other at night before scheduling all the catching up sessions over the weekend. This is on top of trying to find time during the week to … [Read more...]

Why are you investing?

Sitting inside the Parkway East Hospital at Telok Kurau now accompanying my wife for her executive health screening appointment. It’s a good thing this is covered by her employer. Just saw the costs and it would have come up to about S$500. One of the benefits of being employed that we don’t appreciate enough – the fact that our medical costs can be covered in such a manner already help to … [Read more...]

Jan 2017 Net Worth and Portfolio Update

Had a good CNY break and it’s been relatively quiet at work this week due to people taking leave on top of the public holiday on Mon. Not a bad thing to have a lull for this week as work is going to pick up next week. Anyway, another month has gone by and it’s time for another net worth and portfolio update for the month of Jan 2017. NET WORTH – S$200,090 (+S$13,514 AND +7.24%) Nice monthly … [Read more...]

Investment transactions for Jan 2017

Happy CNY everyone! I had a half day today in the office and left the office at about 1pm. Went out with my wife to have lunch and do some shopping before heading over to my parent’s place for reunion dinner. We even had one of our cousins from Malaysia join us this year because she is working in Singapore until later in the year when she heads back for university studies. The reunion dinner is my … [Read more...]

What is your investing personality (Part 2)?

Welcome back to Part 2 of What is your investing personality? I had intended for the topic to be one post but realised the original one was already hitting 1,000 words and I haven’t even covered the section on the performance of the POSB Invest-Savers. Hence, the decision to split the post into two parts. I left off from the previous post on my family, wife and I setting up the POSB Invest-Savers … [Read more...]

What is your investing personality (Part 1)?

Back at work for another week but the good news is that it’s CNY this long weekend. Looking forward to the lunches/dinners with family, relatives & friends, snacks and much needed rest since the start of the new year. I know it’s only been 3 weeks but Christmas and NYE celebrations already feel like ages ago. Anyway, it’s time for me to get back to the series of posts about the things I wished … [Read more...]