Author: Finance Smiths

Choice of Index ETFs

As I always say – Credit should be given when credit is due. These two posts by Kevin at The Turtle Investor – “Start Index Investing with Standard Chartered – No Minimum Commission” and “Establishing Bogleheads 3-Fund Portfolio in Singapore” formed the foundation of my wife’s index ETF portfolio. If you have no idea where to start, please read those two posts first before mine!:) Singapore and/or Foreign Currency Securities Settlement Accounts After we had decided that an index ETF portfolio is the way to go for my wife, the next part is important because we had to choose the index ETFs to invest...

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Index ETF Portfolio

Investment Strategy I have been writing quite a bit on our story and it’s probably time to have a post about our investment strategy. In Australia, even though we had savings from our budgeting approach, it was difficult to implement a long-term investment strategy as our time horizon was uncertain. We did give it a shot but I will cover how we messed things up in another post. It was after all our first try at investing and we made so many mistakes that it’s hard trying to come up with something we did right! Anyway, we got more serious with our investment strategy after our...

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Graduation and Work – Flashback Post 1

My wife started reading my blog and asked me about what I would write about in my Flashback Posts. I reckon this is just as good a time as any to write my first Flashback Post! As a personal finance blog, it’s important for me to highlight that the decisions you make at each crucial point in your life will have financial repercussions down the line. The impact of those decisions will also shape the way you think and approach finances later on. To understand how we got to where we are, we first need to trace back to where we started....

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UOB One Account

Research & Analysis The first time I did anything with a focus on Research & Analysis was probably during the Project Work module in Junior College (not sure whether this module even exists anymore). Subsequently, I got better at this with completing assignments during university and exposure to tax law and tax cases during work (you guessed it, I’m a tax accountant!). I never realised how important this skill was until I had to apply it to my personal finance. You see, people do it at work because they have to but you only do it for yourself because you...

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