Author: KPO Adventure

Expenses – March 2018

My expenses for March is extremely high and it is kinda depressing @_@” The bulk of it is either for Vacation or Wedding which is fine but I made a stupid mistake that cost us $200! Current Profile: 28 years old male planning to get married this year and is still living with his parents Let me recompute the expenses (Vacation and Wedding) from our mutual fund (KPO Expense Fund), you can read more about how we manage our finances here. Technically, the expenses for March should be $6,058.76 – (($333.40 + $237.32 + $1070 + $139.9) / 2) =...

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DBS Multiplier + SSBs + Joint Account = Higher Interest!

Some of the readers might know that we have changed our bank accounts from OCBC 360 to DBS Multiplier when it was revamped last year and I blogged about it here – Free $5 for DBS Multiplier Account Holder. The free $5 is still available (until 30th June 2018)! In my opinion, the DBS Multiplier is by far the most generous bank/account when it comes to fulfilling/meeting the various defined categories (credit card spend, home loan, insurance and investments). Firstly, it awards you for having a higher salary and there is even a way to double it through the use of...

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StashAway New Update – Transactions

I updated the StashAway mobile application and was playing with it. Holy! They have finally revamped the “Transactions” tab. Not sure if they did it much earlier or recently but I only discovered it today. Although we decided to invest more money through StashAway and I blogged about it here – Automating Capital Growth Through StashAway. I have been complaining about 2 things:– Limited visibility into the transactions in the UI (everything can be found in the monthly statement but that requires the user to wait a few weeks for it)– Exchange rate (SGD deposit to USD) cannot be...

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StashAway – March 2018

StashAway managed to raise another USD $5.3 million in their Series A funding round recently – Singapore’s StashAway raises US$5.3M Series A funding round, will launch in new markets. This brings their total funding to SGD $11.1 million which is definitely an excellent piece of news. One of the main concern we all have is the possibility of the robo advisors going bankrupt/closing down which can be a showstopper preventing one from investing through them. Let’s admit it, Singapore is a small market, hence the cost of investing through robo advisors are more expensive as compared to the United...

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Portfolio – March 2018

Our portfolio increase by 2.70% to $323,073 – $11,872.67 of capital injection and $3,385.77 of capital reduction. Today is another bloodshed, the value of our portfolio decrease by >$5k in a single day. Are we worried? No :) Let me share an old but gold article by the Motley Fool – How You Can Reduce Your Chances Of Making Losses In The Stock Market. Make a guess? Have a long investing horizon! It seems that some of our readers/friends/colleagues have been demoralized by the market. Numbers do not lie! The probability of losing money in 1 day is almost equivalent to a coin toss. However, based...

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Tuan Sing

Company Description from SGX StockFacts – Tuan Sing Holdings Limited, an investment holding company, engages in the property development and investment, hotels investment, and industrial services businesses in Singapore, Australia, China, Malaysia, Indonesia, Europe, and other ASEAN countries. Its Property segment develops and invests in residential, commercial, and industrial properties; and provides property management services. The company’s Hotels Investment segment owns two five-star hotels managed by Hyatt International in Melbourne and Perth, Australia. Tuan Sing has always been on my watchlist and I have finally decided to enter it this week at $0.42. It was first brought to my...

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Expenses – February 2018

We have been pretty busy with our wedding preparations. CZM came up with ~20+ tasks to-do list with various deadline assigned to me @_@” Last Friday, we went for our wedding gown/suit selections and CZM looks so pretty in all of them! Whenever she asked for my opinion, I will say very pretty (which is the truth!) and she will say I am not being helpful. Thankfully, her mum was present too. The whole process took about 2-3 hours with CZM trying 8 to 10 gowns and eventually selected 4 gowns (2 for prewedding shoot and 2 for actual day). When it...

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Expenses – January 2018

I have been tracking my expenses without fail (every single cents including the cash in my wallet) since I started working. However, I do not budget because I believe that I am a KPO/thrifty by nature. Having said that, there is still a need to review and ensure that it is true. In addition, having a good grasp of the monthly expenses help in planning for financial freedom/retirement too! One of the things I always wanted to do is to review my expenses on a monthly basis but it just isn’t interesting enough so it became a yearly update:...

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StashAway – February 2018

We have decided to invest more money (from $500 to $1,000 monthly) through StashAway and I blogged about it here – Automating Capital Growth Through StashAway. 1. ACCOUNT SUMMARY (as of the last day of the month) Based on the statement (28 Feb 2018), we had $6.65 profit. As of 13 Mar 2018, we have $22.24 profit despite a significant currency impact -$94.02. SGD time-weighted returns: 1.0%USD time-weighted returns: 5.2% 2. PORTFOLIO DETAILS  3. TRANSACTIONS StashAway has improved the time it takes for our money to be invested significantly! I can definitely see/feel the difference. SGD $990.00 converted to USD $751.69Exchange Rate: 1.317032287 4. FEE CALCULATIONS No fee till August 2018 because I...

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Leverage – A Double-Edged Sword

I briefly mentioned the possibility of using leverage to achieve a higher return in one of our last post – Red Red Market for Chinese New Year! Coincidentally, a week after my post, I began to see Warren Buffett’s articles on social media about the danger of it. lol. Let me list a few if you have not come across them:– Buffett, quoting partner Munger, says there are three ways to go broke: ‘liquor, ladies and leverage’– Buffett has one big investing lesson in this year’s annual letter: Never borrow money to buy stocks Look at how creative the titles are, maybe I...

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Portfolio Update – February 2018

Our portfolio decrease by 0.95% to $314,586 – $8,470.06 of capital injection and $11,490.96 of  capital reduction. The month ended better than expected, it was definitely much worst before CNY – Red Red Market for Chinese New Year! SOLD – None No need to panic sell! BOUGHT – Sheng Siong (2,000 units) @ $0.925 – STI ETF (1,000 units) @ $3.40 – Lion-Philip S-REIT ETF (3,000 units) @ $1.016 – First REIT (109 units) @ $1.3656 Sheng Siong has been one of CZM all-time favorite stock as it is defensive in nature. Regardless how the economy is doing, we still need food and daily necessities to survive. We last bought...

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New Singapore Budget, New REIT Strategy!

Apart from the increase in GST and the government ang bao (red packet), one thing that really interest us is the extended tax transparency treatment of Singapore listed REITs (Real Estate Investment Trusts) to ETFs (Exchange Traded Funds) – Singapore Budget 2018: Reit ETFs to enjoy tax transparency. In short, this means that the REITs ETFs will no longer have to pay the 17% tax and the dividend yield will increase significantly! I blogged about 3rd REIT ETF – Lion-Phillip S-REIT ETF previously and how we will give it a miss because of the tax and its impact on the...

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New Singapore Budget, New REIT Strategy!

Apart from the increase in GST and the government ang bao (red packet), one thing that really interest us is the extended tax transparency treatment of Singapore listed REITs (Real Estate Investment Trusts) to ETFs (Exchange Traded Funds) – Singapore Budget 2018: Reit ETFs to enjoy tax transparency. In short, this means that the REITs ETFs will no longer have to pay the 17% tax and the dividend yield will increase significantly! I blogged about 3rd REIT ETF – Lion-Phillip S-REIT ETF previously and how we will give it a miss because of the tax and its impact on the...

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Monster Hunter World – Hammer Build (Max Earplugs + Attack Boost + Weakness Exploit)

I am sharing something different today – my Hammer build/equipment in Monster Hunter World! This mixed armor build gives max Attack Boost (Level 7), max Earplugs (Level 5) and max Weakness Exploit (Level 3)! It comes with lots of slots for decorations/jewels too! All these are before augmentations. In my opinion, these 3 skills are necessary for a hammer player because we go for the highest damage output! Max earplugs ensure that we will not be affected by the monster’s roar and give us the opportunity to continue whacking. One can argue that rolling out of the roar works but...

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Monster Hunter World – Hammer Build (Max Earplugs + Attack Boost + Weakness Exploit)

I am sharing something different today – my Hammer build/equipment in Monster Hunter World! This mixed armor build gives max Attack Boost (Level 7), max Earplugs (Level 5) and max Weakness Exploit (Level 3)! It comes with lots of slots for decorations/jewels too! All these are before augmentations. In my opinion, these 3 skills are necessary for a hammer player because we go for the highest damage output! Max earplugs ensure that we will not be affected by the monster’s roar and give us the opportunity to continue whacking. One can argue that rolling out of the roar works but...

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