Author: Lady, you can be free

K.I.S.S. CPF

When CPF announced the Lifetime Retirement Investment Scheme (LRIS) scheme few days ago, I was really irritated. I think CPF have failed to understand what people meant by “Flexibility”. To be honest, I am a big fan of the CPF Life scheme. It was very simple and clear.  If you haven’t heard of it, check it out here http://ladyyoucanbefree.com/2014/06/08/my-retirement-planning-project-2014-sgd-1-k-per-month-guaranteed-for-life-with-cpf-life/. I thought that was a brilliant scheme to bring peace of mind to folks who are on their way to retirement. It also gives their kids peace of mind that if they could help coach their parents to achieve that minimum sum target before their retirement, they are...

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My Stock Report Card for Apr – May 2016

My Stock Report Card for Apr-May 2016 Total Dividend Collected from Jan – May 2016 : SGD $ 31,528.11 Income distribution in Apr and May came from Apple, Citibank, IBM, Bank Of America, Keppel Corp, SGX, Starhub, UOB, SPH, Suntec Reit, Capitamall trust, Keppel Reit, Sabana Reit and M1. OMG ! Microsoft bought Linkedin. I wished I bought Linkedin ;-). Someone please buy Twitter...

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Stay Hungry, Stay Foolish Series : Get Paid To Travel Doing What You Love !!!

Last year, in my Stay Hungry, Stay Foolish series,  I shared a story about this guy, Hendric who QUIT to travel the world with only $16K savings !!! Since my blog is within the financial community, many people fell off the chair and there was a huge debate over whether he should or shouldn’t follow his passion. Over the past 1 year, he has demonstrated that when you follow your passion, you achieve amazing stuff. Within a year, he won the OMY Best Travel Blog Award, got featured on Nuyou Singapore Magazine and Arirang TV, scored a scoot stint to go...

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101 Things to Do Before You Die

I started a bucket list 2 years ago, inspired by the Kaileigh’s Bucket List story. Thought this is a beautiful way to remind ourselves that there are many things in life to experience besides the daily toil. This morning, I came across an interesting article http://www.wanderingearl.com/why-i-made-a-list-of-memorable-life-experiences-this-morning/ which once again reminds me the beauty of life experiences. However, I am running out of ideas for my bucketlist so thought would like to solicit for new ideas. Do you have a bucket list / life / travel experiences to share ? I would love to hear from you ! MY BUCKET LIST Swing Rope...

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My 2015 Passive Income Playbook Review

It has become a yearly habit for me to study the patterns of investment from STI ETF fund managers. Last year, all 3 funds didn’t do well, SPDR only suffered 6 months of negative returns, Nikko was negative for a year and iShares fared the worst having negative average annual return for 5 consecutive years. If you looked at the way these fund managers allocate their portfolio, you will notice that SPDR is the most focused among the lot. iShares and Nikko seemed more diversified but is all over the place when adding stocks to their portfolio. Makes me ponder whether focused is...

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My Stock Report Card for Nov 2015

My Stock Report Card for Nov 2015 Total Dividend Collected from Jan – Nov 2015 : SGD $ 58,261.26 Income distribution in Nov came from SGX, Suntec Reit, SMRT, Capitamall Trust, Keppel Reit, Sabanna, Starhub, Apple and Citigroup. Despite a relatively turbulent year, my dividends target did not suffer too much. I seemed to be on track to match my last year’s results although portfolio wise, it doesn’t look as rosy. Now that my money is finally freed from my renovation and property investment. Time to strategize abit moving forward to grow the dividends target and strengthen the portfolio...

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With Just 6 Weeks Left, How Has 2015 Treated You?

It’s that time of the year where the christmas jingles started playing in every corner of the streets. It reminds you that we are moving on yet again to a new year. As you grow older, time just flies by very very quickly. In 2011, I signed up for a coaching course and learnt the beauty of practicing mindfulness. Since then, every year, I would be asking myself these 8 powerful questions. It has helped me gain clarity of my current well being before I move on to set resolutions for the new year. How are you feeling ? What are you thinking ?...

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My Stock Report Card for Sep , Oct 2015

My Stock Report Card for Sep, Oct 2015 Total Dividend Collected from Jan – Oct 2015 : SGD $ 46,530.24 Income distribution this months came from AAPL, Citibank, HPH Trust, AIMSAMP, DBS, SGX. Apple and Alibaba results is looking good. I am getting impatient with Twitter. Singapore market is getting really difficult to read or was it just me :-). Kudos also to the DBS Vickers IT team who reworked their UI to let me screen capture my portfolio on their new website instead of having to export to an excel spreadsheet every month ! This month also marks the 2nd anniversary...

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My Retirement Test Drive

When I turned 40 last year, suddenly it feels as though I am running out of time in life. I started wondering why I am running on a treadmill that no longer excites me ( I used to love my job ! ). I came across a video shared by SGYI (http://sgyounginvestment.blogspot.sg/2015/03/a-rich-life-with-less-stuff-minimalists.html) and decided then to do a mini retirement test drive to see how well I could survive living on my monthly passive income, practice a minimalist life and work on things that truly excites me. Here are some highlights / lessons learnt from this mini retirement test drive  : PERCEPTIONS Your colleagues...

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My Stock Report Card for Aug 2015

My Stock Report Card for Aug 2015 Total Dividend Collected from Jan – Aug 2015 : SGD $ 43,244.61. Income distribution this months came from SMRT, Keppel Corp, M1, Singtel, Suntec Reit, Starhub, UOB, Capitalmall Trust, Keppel Reit, Sabana Reit. I added some positions in Keppel Corp, IBM and Alibaba during the market...

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