Author: Investing Wolf

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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Oct 2016 Portfolio

Hi guys, For the month of October, I received my results for my 2ndtrimester and they were excellent. That marked the completion of half of the degree course and another 8 more months to complete the whole course and be done with the studies… I seriously cannot wait to get my life back on track. Since the beginning of the degree class, I was so swamped with work, studies, social life and my financial life. I did not have enough concentration to focus on the financial markets and thus had to change my investment period to medium to long...

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Sept 2016 Portfolio

Hi guys, For the month of September, things were pretty hectic as I had to complete 3 essay assignments and managed to complete 1 practical test while preparing for a presentation during the first week of October. Overall, I felt pretty confident that this semester would be awesome as well. In September, there were no transactions made in the SGD account but cost basis reduction strategy has been constantly applied in the US market for GILD. There were also some contracts in the S&P futures which turned a profit helping to bring back the account. My current SG holdings...

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CPF-IS under review.

Hi guys, For those who don’t read newspaper, it looks like there are some changes coming to the CPF-IS according to The Straits Times’s Government to review CPF Investment Scheme: DPM Tharman. Wow… According to the article, 80% of the people cannot earn even higher than 2.5% of the basic CPF OA interest and nearly 45% of CPF-IS had losses over same period. What!!! It looks like because of these 80% of people who treat their hard earned money in the CPF like free money in a gambling den, the rest of us who are benefiting from the extra...

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