Author: KPO and CZM

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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BTO Guide – 4 Things To Look Out For When Selecting Your Kitchen Sink

Our house is almost done with the tiling! It is about time to kick start the carpentry discussion process with our ID. Our ID has instructed us to start looking out for the refrigerator, kitchen sink, and bathroom sinks as this will affect the carpentry measurement. Hence, in this post, I will be sharing some of the tips I have gathered on kitchen sinks. Hopefully, it will be useful for new homeowners like us. 1. Kitchen Sink MaterialThere are many types of materials used for kitchen sink. Most common ones are stainless steel, copper and porcelain. Each has its...

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BTO Guide – Tips on Selecting Air Con

KPO and I have collected our keys about 2-3 months ago (see BTO HDB Key Collection & Door Opening Ceremony) and we have taken quite some time to select and shortlist our interior designer (ID). Now that we have locked down our ID and began our renovation, it is time to do some shopping for the house. One of the initial items after we kick-start our renovation process was to check out the air con as the wiring/piping installation needed to be done almost the same time as the electrical wiring. We googled quite a bit on the different types...

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Lazada x Anker Surprise Box

Lazada had its Mid-Year Festival/Sale recently and I decided to buy another surprise box again. I blogged about my purchase of a Lazada x Spigen Surprise Box (Lazada Surprise Box – Save or Waste Money?) a few months back and thought it was pretty decent. Lazada x Anker Surprise Box costs $49 on that day and we can sort of expect a wireless earphone, portable powerbank + a disappointing surprise. It was delivered to my house the next day. Lazada x Anker Surprise Box The box itself was a disappointment compared to the Spigen one. #NoEffort Upon opening the box…...

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StashAway – June 2019

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 strategy – New Strategy: StashAway + Supplementary Retirement Scheme (SRS):KPO and CZM Cash – StashAway Risk Index 20% KPO SRS – StashAway Risk Index 13% CZM SRS – StashAway Risk Index 13% 1. PORTFOLIO SUMMARY (as of the last day of the month) KPO CZM Based on the statement (30 June 2019), KPO made $1,225.97 and CZM made $55.46. KPO CZM As of 15 July 2019, these are our portfolio performance:KPO: $21,794.97 (+18.7% – Capital: $20,000) CZM: $1,318.79 (+8.6% –...

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“Semi-Retirement” For CZM

Nope, we did not strike ToTo (I wish!) but we will be doing something most would not be doing. We dropped a teaser in our previous¬†StashAway – May 2019¬†post stating that we will stop contributing to CZM’s SRS account. Did you manage to guess it correctly? CZM has resigned from her current job to take a “short” break after working for > 6 years, leading a semi-retired life. Yes, quitting without another job with the plan to travel! People leave a company for many reasons, usually a combination of both push (ridiculous hours, bad culture, etc.) and pull factors...

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Expenses – May 2019

I have been binge watching 4 seasons of Lucifer for the last few weeks (not really binge since it took me so long to complete everything), hence the delay in some of our posts. We went to the set/behind the scene during our Warner Bro’s Studio Tour at Hollywood last year (Honeymoon to the United States – 3 Days 2 Nights in Los Angeles) and I told myself I need to watch this show. This show is pretty similar to The Mentalist with the supernatural stuff (Angel, Devil, etc.). I like watching police/detective show/anime (Kindaichi and Detective Conan). Current Profile: 29...

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Kuala Lumpur Food Trail – 4 Days 3 Nights

I always loved the food in Malaysia, hence when I chanced upon a cheap Jetstar getaway promotion to Kuala Lumpur sometime in April, we booked it right away. The total cost of our flight was S$130+ for two pax, all-inclusive. Before I start on my food trail, the first thing people need to know about Malaysia and its food is that Malaysia has a huge variety of cuisines due to its melting pot of cultures, and Malaysians are extremely passionate about their food. As such, you can easily find good quality food by word-of-mouth and online reviews.  As we...

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WhatCard to Use?

Dexter from the WhatCard.sg team reached out and asked if we can do a small post on their “passion project”. I went to their site, played around for a few minutes and agreed to it. If you are wondering, this is not sponsored and I agreed to it because I thought this is really quite useful. They are not even charging or selling anything. Anyway, you can read more about them here.  Forget about which camp (cashback or miles) you belong to. All the credit cards have their own set of rules/T&Cs to follow, rewarding you for certain categories of...

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Portfolio – June 2019

We are back to the $400k portfolio and it is at an all-time high now. Thanks to G20 submit, no Trump drama/tweet, Fed lowering interest and many other unknown factors. lol. With half the year past, let’s take a look at our progress so far… The projected capital injection is $53,865 but we have only invested ~$6k+ so far. Nope, not for the fear of economic downturn/recession but for our house renovation. The projected portfolio should be at $431k and we are at $415k now. Not too bad :) Our portfolio increase by 5.77% to $415,611 – $3,395.99 of capital withdrawal and $26,072.13 of capital gain....

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Combination of Ascott REIT and Ascendas Hospitality Trust

People are sort of expecting this to happen but this was simply too sudden! Given that the Ascendas-Singbridge acquisition just completed a few days ago?! Anyway, I am not sure why they are calling it a combination instead of a merger but I guess it is because they already owned it? What is Happening? Ascott REIT shareholders:Nothing to get too excited about. Ascendas Hospitality Trust shareholders:Ascott REIT will be buying over your shares! This will comes in the form of $0.0543 cash/dividends + 0.7942 of new Ascott REIT-BT shares. Value unlocked? It really depends on how one looks at...

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StashAway Withholding Tax Reimbursement FY 2018

Another year has passed since I last blogged about withholding tax reimbursement – StashAway Withholding Tax Reimbursement FY 2017. If you are also a StashAway user, you would have received the email a few weeks back too. The breakdown can be found in your Transactions section. The breakdown is too long to show above… Since the portfolio did not change much, similar to last year, only 3 out of the 8 ETFs (TLT, TIP, and CWB) had withholding tax reimbursed. If you are wondering what’s the reason: For the withholding tax (WHT) reimbursement, we do not receive dividend reimbursement for...

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Bali Mini-Moon – 3 Days 2 Nights

KPO and I are in Bali now, waiting at the airport for our flight back to Singapore. Our flight is currently delayed by 30mins so might as well blogged on our adventure while waiting. at home now because I procrastinated for two months before posting this. We travelled to Bali because we were given 2 nights of free Bali Villa accommodation as part of our wedding package (read more about it here). KPO was grumbling about our super hectic US honeymoon tour so I decided to make this a super chill one (or so I thought). Day 1 10:00AM –...

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StashAway – May 2019

We are planning to do something most would not even think of (at our age) and will be making some changes to our investment for StashAway. Hint hint: we will stop contributing to CZM’s SRS account and her StashAway from this month onwards. Make a guess? I am also going to simplify the monthly update going forward because it is becoming more time consuming and considering that StocksCafe can do most of the work/tracking now. Anyway, we have 3 portfolios on 2 accounts now due to our new strategy – New Strategy: StashAway + Supplementary Retirement Scheme (SRS):KPO and CZM...

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Expenses – April 2019

I blogged about our BTO HDB Key Collection & Door Opening Ceremony and it caused our expenses for the month to shoot up significantly. Current Profile: 29 years couple who got married recently but staying separately with our own parents while waiting for the BTO project to be completed this year. Our total expenses were $30,027.34! The breakdown would be as follows: KPO Expense Fund (our common fund): $1,023.73 KPO: $16,071.79 CZM: $12,931.82 See! Watson again. lol. House Both the Loan (the next 5% downpayment) and Home Protection Scheme (HPS) were paid using our CPF OA as well as the town council Service &...

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