Author: Investing Wolf

Dec 2018

I have not been posting anything for a couple of reason. Up till today, I’m still coughing non-stop. Following the news, the trade war has finally got a truce from the 2 superpowers but the most surprising new was the liquidation of OptionSellers. They were the reason I started with futures options and to see that they lost everything because of naked selling, kind of reminds me the earlier days of my journey when I risked a lot doing naked trades. Lucky for me, it didn’t end my account. Since the huge loss years ago, I’ve not ventured into...

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Should we change to OCBC 360 with their new terms?

I’m sure by now many would have known about the upcoming changes to the OCBC 360 terms effective from 1st Nov 2018 for all new and existing customers. If you have no idea yet, OCBC is updating their 360 account structure and you can read about it here. Here is a comparison on the current and updated structure of my previously beloved OCBC 360 account (currently uses Bank of China as holding ground for my emergency funds). Current structure Updated structure OCBC has changed to a tiered structure like many other banks and is encouraging more savings by increasing...

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Sept 2018

Aug was pretty boring also. So boring in fact, that I went and enrolled in a basic photography class. This decision was due to the fact that during the family trip in April – May, some of the photos were not taken to satisfaction. I’m glad I enrolled as the instructor gave many useful tips on how to use the different camera modes. I was also able to take several photos which I really liked during the class. This would most certainly prepare me for the upcoming Singapore Grand Prix, my annual cruise trip with Royal Caribbean and the upcoming...

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Aug 2018

Nothing noteworthy comes to mind for the month of July except for the famous Facebook earnings plunge (not that I’m invested in Facebook or anything). Other than that, it’s been a pretty smooth month. Haven been trying to get down to my photo editing for my family trip since May… OMG, I’m a procrastinator!     On the other hand, I’ve recently taken on more tasks in the various committee I am involved in. I’ve also restarted reading financial books (opening a book and reading usually cause me to sleep almost immediately).   In my SG account: I picked...

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Comparison of SIM-Only vs Corporate Plan

I previously made a post comparing the telco’s SIM-only plan against their regular plans. After showing it to many of my colleagues, many were interested to know if the plans were comparable after factoring in the recontract period and corporate discounts. Since MyRepublic just came out with their new plans, I figured that it deserves another look to see which is better (also because 1 of my phone plan is coming due soon). For this exercise, I’ve prepared some parameters to make it a near similar comparison and all the plans are calculated to Price/Gb/month. This means that the...

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Jun 2018

It’s been a while since I’ve written on my financial journey. While I’m occupied by personal matters, I find the Singapore market more and more attractive. Given that we just went past the 200-day moving average (MA), it’s a good time to look at stocks for the long term.   In my SG account: I recently bought more shares of STI ETF using my CPF-IS as the market went below the 200MA and will be looking to accumulate more shares if it continues to go down. I’ve also been looking at Singapore companies which have been increasing dividends, consistent...

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The time of the Sim Only Contracts is here!

I have wanted to switch phones for a while now as I realised the benefits of using a Sim only contract. However, I did not like Apple’s iPhone (never liked it due to lack of customization) or the Samsung’s S8 (weird sensor placement). When the S9 was introduced, I was sold… this is a phone which is a step up from my current S7 Edge. Also, primarily because the screen protector was failing, and I didn’t want to buy another one to replace it due to its age. Buying an S9+ was tempting, but it was just too much...

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Feb 2018

Feb 2018 A new year has come and the first month have passed. January was packed with many personal decisions. We started looking around at the hotels, restaurants and bridal boutiques for our wedding. After much consideration, we are about to finalise on a restaurant that is within our tight budget (mainly my budget) and signed a package with a bridal boutique at an affordable price (both me and the Mrs-to-be were happy with that decision). Although the wedding is in 2019, we feel it best to start looking into it and attempt to settle the big items before...

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Nov 2017

So… It’s been a while since my last post. Here’s an update on myself and my financial journey. Holiday in Gold Coast was very memorable as we got to try out skydiving in Brisbane, hot air ballooning, theme park visits (weather was cold, so there was hardly anyone in any of the theme parks), visited O’Reilly Hinterland tour, Harbour Town Outlet shopping and drove to Byron Bay Lighthouse for the sunrise. What a beautiful location for an engagement site. :P.   Went to Perth for second part of the holiday and spent it visiting the Perth Mint (the gold...

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Aug 2017

Finally!!! The graduation date has been confirmed and the trip to Down Under settled. Overall, I think we all deserved a long holiday for me to relax after completing my degree and for my GF who has been so supportive and tolerating my nonsense throughout this period. This is also her first trip to Australia… If you looked at the activities we planned, I would say it crossed out a lot of items in the bucket list. I even bought a new 4k camera as an investment for this and future trips. Will be posting some of the photos...

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June 2017

Here comes the 6th month of the year. Considering my last post was in March, I had not realised I had missed the postings of April and May. So much has happened within this period… To sum up the entire period, 1)     I successfully completed most of the assignments of my degree and the only thing standing between me and my certificate is the last paper which is due in mid June. 2)     I switched my CPF-IS account from DBS to UOB after realising the quarterly account maintenance cost of DBS charges $2/counter with a minimum of $5 while...

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A tech bubble in the making?

Seriously? Snapchat (SNAP) IPO had a market cap of US$24billion with a share price of $17 per share. This IPO seriously looks like a huge speculation gamble coupled with miraculous expectations that the company will somehow generate a profitable net income after 2 years of net losses. That’s right… SNAP has had increasing net losses of US$373 million in 2015 and US$515 million in 2016 (According to Morningstar). These numbers were published for their IPO prospectus for all to see and people are still willing to throw their money at the stock hoping to catch a quick buck. So,...

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Revised OCBC 360

Hello! So today marks the first day of March. The moment I woke up and looked at my phone, I saw a message indicating that OCBC is updating its interest rates from 1st Apr 17. So I went to the web immediately to take a look at it and found that it is reducing/increasing interest rates for 4 /5 components. Links to the Current OCBC 360 account and the Updated OCBC 360 can be found here. Below is the summarised version of the reduction. Payment section from 0.5% to 03% with a total of >$150 from >/= 3 bills...

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Jan 2017

Hello! My last post has been a while (in November). I did not manage to write a post in Dec due to the deadline of my assignments which was due over the new year. I’m glad it is over for now and I scored pretty well for one of the modules with full marks on the paper (been a while since I received full marks). While I am waiting for the results of the other module, I can concentrate on what matters ultimately, which is my financial journey. December was the month in which we saw the increase of...

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Nov 2016 Portfolio

Hi guys, The month of November certainly contained some interesting and explosive news. First, Donald Trump won the US election against Hillary Clinton and the US markets rose to its highest levels instead of dropping as many would expect. Second, OPEC agreed to a production cut in eight years of about 1.2 million barrels per day. This cut would attempt to include the non-OPEC country in a bid to control and give balance to the overflowing crude oil market. Third, there was an increased chatter on the FED interest rate hike being highly possible in Dec due to the...

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