Author: KPO and CZM

Endowus CPF/SRS Review

When Endowus was marketing about the possibility of investing through CPF, it got me really interested. In addition, the fees are lower if one were to invest using CPF, hence I indicated my interest and was put on their waiting list. Meanwhile, I was reading about Dimensional Funds here and there on Farma French, the various factors, etc. However, when it launched, I was slightly disappointed. 1. Underlying Funds are NOT Dimensional Funds The above is a cash portfolio with a -40% loss tolerance. The underlying funds are made up of 80% Dimensional World Equity and 20% PIMCO Bond...

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StashAway – October 2019

StashAway launched a new cash management portfolio and you can read about it here – StashAway Simple™ – Cash Management Portfolio. I am also reviewing Endowus CPF and SRS options and should be publishing an article on it soon. Do keep a lookout for it! Anyway, we have 3 portfolios on 2 accounts now due to our new strategy – New Strategy: StashAway + Supplementary Retirement Scheme (SRS):KPO and CZM Cash – StashAway Risk Index 22%KPO SRS – StashAway Risk Index 36%CZM SRS – StashAway Risk Index 14%1. PORTFOLIO SUMMARY (as of the last day of the month) KPOCZMBased on the statement (31 Oct...

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StashAway Simple™ – Cash Management Portfolio

StashAway launched a cash management portfolio called StashAway Simple™ today and it definitely looks very attractive at first glance! The email I received this morning. 1.9% interest is huge without doing anything (salary crediting, giro, credit card spending, etc.) and can be used as an additional savings account once people have maxed out their main savings account (You can read how we maximize our Multiplier account here – DBS Multiplier + SSBs + Joint Account = Higher Interest!). More so after Citi MaxiGain got nerf and it has higher interest and is more liquid than SSB. Having said that, at...

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Portfolio – October 2019

How was your 11.11? Did you manage to save money by not buying anything or save money by buying things cheaper? Anyway, we spent close $1k buying “essentials” and random stuff for our new house. According to Lazada, I am a “Savings Master” who had saved $902.78. lol. Sharing the first (and most expensive) loot to be delivered – PRISM+ X300 Ultrawide Gaming Monitor. The irony is we are not even using it to game, CZM has been complaining that my laptop screen is too small for her to work. Happy wife, happy life. The current price is $399...

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Samsung Pay x SimplyGo x Visa Hack

We have finally moved into our new house! Finally got some time to blog and work on some of the article that has been in the draft for the longest time. Anyway, KPO is sharing another hack! Unfortunately, this is only for Samsung Pay users! I blogged about something similarly previously – Samsung Pay Rewards – Free Active Fast Charging Wireless Charging Stand! The reward is no longer available but you can read more about Samsung Pay Rewards and how it works. In short, it is a tier-based rewards program that awards points based on the number of transactions regardless of...

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StashAway – September 2019

Yay, caught up with the portfolio and StashAway update! Anyway, we have 3 portfolios on 2 accounts now due to our new strategy – New Strategy: StashAway + Supplementary Retirement Scheme (SRS):KPO and CZM Cash – StashAway Risk Index 22% KPO SRS – StashAway Risk Index 36% CZM SRS – StashAway Risk Index 14% 1. PORTFOLIO SUMMARY (as of the last day of the month) KPO CZM Based on the statement (30 Sep 2019), KPO made $‭‭2,405.36‬ and CZM made $‭‭105.33‬. Unfortunately, it seems that StashAway has removed the effect/return of Currency Impact in the statement as well. As of 14 Oct 2019, these are our...

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Portfolio – September 2019

With this, our portfolio update will be back on track :) StashAway update has been scheduled to be published tonight and the backlog will be our expenses update and travel posts. Our portfolio decrease by 0.19% to $420,854 – $2,985.54 of capital withdrawal and $2,195.93 of capital gain. The one in blue is the StashAway portfolio, green is SGX and the total is in black. If you prefer to look at numbers, this is the raw data used to generate the above bar graph. These numbers are as of the last day of the month. “Cash Flow” is the amount of money being injected/withdrawn from the portfolio (buying stocks = +ve...

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StashAway – August 2019

StashAway recently made some changes and even introduce a new SGD income portfolio. I have blogged about them here:– StashAway – Exciting Changes– StashAway – SGD Income Portfolio On a side note, CZM is back to work and we will resume her SRS’s contribution/portfolio. Anyway, we have 3 portfolios on 2 accounts now due to our new strategy – New Strategy: StashAway + Supplementary Retirement Scheme (SRS):KPO and CZM Cash – StashAway Risk Index 22% KPO SRS – StashAway Risk Index 36% CZM SRS – StashAway Risk Index 14% 1. PORTFOLIO SUMMARY (as of the last day of the month) KPO CZM Based on...

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Portfolio – August 2019

Hi everyone! It has been a long time (about slightly more than a month)! We just came back from Canada recently and it was so pretty! We flew to the USA on Cathay Pacific First Class due to the error fare Visited the Lincoln Memorial in Washington DC Niagara Falls from the Canada side We rented a campervan to travel around Moraine Lake in Banff National Park (Our favorite!) Keep a lookout for CZM’s travel posts! They will take a while though because we are still pretty busy with our house renovation (there were some complications/miscommunication between the ID...

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StashAway – SGD Income Portfolio

I received an email in the morning that there is a new portfolio. This is the content of the email and you can read more about it here – Introducing Our Income Portfolio: I immediately logged in to take a deeper look. You need a minimum of SGD $10,000 for this portfolio as compared to its previously no minimum balance portfolio which is pretty high to start… The portfolio is denominated in SGD (no foreign currency risk) and is at 12% StashAway Risk Index. This means there is a 1% chance of losing >= 12% in any year (even during...

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StashAway – Exciting Changes

This is slightly old news as the email (15th Aug 2019) and re-optimization (28th Aug 2019) has already happened but thought I will still blog about it. We were pretty busy (Quick Update – Too Busy to Blog) during that period of time and I read through and proceeded with the re-optimization without taking any screenshots :( Anyway, I will not reinvent the wheel and you can read more in details on the new ETFs and re-optimization here:– We’ve Added New Asset Classes and Geographies to Your Investments– We’re Re-Optimising Your Portfolios For New Economic Conditions There is one...

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StashAway – July 2019

StashAway introduced some major changes around mid-August. The changes had did not affect July’s portfolio but I will briefly mention it here:– New and more ETFs– Re-optimisation of portfolio once changes are reviewed or automatically on 28th August – Computation of portfolio returns (total return, time-weighted return, and money-weighted return)  – UI changes More information can be found here – We’ve Added New Asset Classes and Geographies to Your Investments We stopped contributing to CZM SRS account because she will stop working soon – “Semi-Retirement” For CZM. Anyway, we have 3 portfolios on 2 accounts now due to our new...

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Soilbuild Business Space REIT (Not) Bad Preferential Offering

I received an SMS earlier today from SCB – corporate action. The first thing that came to mind was will this be dilutive or accretive? You should be able to guess it from the title of my post. To be honest, I have not been keeping up with the market news so this is new to me. Went to dig through the announcement and wanted to do a quick summary. Soilbuild REIT will be acquiring a new Grade A office building in Australia – 25 Grenfell Street, Adelaide for A$134.22 million (S$127.51 million) but will be paying approximately A$142.01 million (S$134.91...

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Quick Update – Too Busy to Blog

We have been pretty busy that I gave up time for blogging and gaming on PS4. I will try to publish the StashAway and Expenses backlogs before we travel next month! CZM Short-Lived “Semi-Retirement” Break I previously blogged about it here – “Semi-Retirement” For CZM. Long story short, CZM left her previous company and we were planning to do a 1-2 months RTW (Round the World) travel. However, a job opportunity came which would potentially disrupt our plan and her break and we were torn. There are pros and cons to taking up either option: – RTW: Enjoy life, experience rich, cash poor...

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Portfolio – July 2019

We have been busy with a lot of things – shopping and looking into renovation stuff for our new house (you are required to become an “expert” at a certain area, within a short period of time, make decisions based on your 三脚猫 knowledge and live with it for the rest of your lives ~.~), planning for the upcoming trip + next year once in a lifetime RTW (round the world) trip. We transferred out all our bank points on the same day and received the miles in the next few days except for BOC -.-“ Our KrisFlyer Miles...

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