Author: (The) Boring Investor

Concluding Post on Early Retirement

I first blogged about early retirement about a month ago. Perhaps because it is a topic that is seldom explored, the insights on the topic has been tremendous. It is worthwhile to summarise in one post all the insights on the topic. Is Your Financial Freedom Conditional?  If you are thinking of early retirement, it is probably because you have or about to achieve financial freedom from your job. You probably have a regular stream of passive income from your dividends and/or rental income to cover all your expenses. However, as explored in Can You Count on REITs for Retirement? and How Much...

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OCBC360 vs UOB One: The Verdict

I hope the web calculator that I put up last week has been useful in helping readers to decide whether the OCBC360 or UOB One account is better for them. I have since enhanced the web calculator to include credit card rebates. However, the focus of today’s blog post is not on the web calculators, but on the guidelines and charts to assist readers to understand better the scenarios in which either of the accounts is better. If you have played with the web calculator, you would realise that while the calculator can tell you precisely which account is...

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OCBC360 vs UOB One: The Calculator

One of the shortcomings of a blog is that the information shown is static, meaning that while we could discuss guidelines and present charts, these guidelines and charts might not quite apply to everybody’s situation. A case in point is the question whether the OCBC360 or UOB One account pays better. Depending on your situation, either one could be better, but guidelines and charts do not quite reflect your situation accurately. Hence, this blog post is a proof-of-concept to create a dynamic web calculator that takes in your input and compute which account is better for you. Having said...

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Can You Count on REITs for Retirement?

When the CPF Advisory Panel announced recommended changes to the CPF system early this year, there were some suggestions on the ground that retirees withdraw the amount above the Basic Retirement Sum of $80,500 at age 55 and invest into REITs. This way, they could start receiving income from 55 years old onwards instead of having to wait till 65 years old to start receiving income from the CPF Life scheme. I am not sure if this is a good idea.   As a retiree, you would hope to receive stable or increasing passive income from your investments. How...

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The Great Retirement Challenge

Congratulations! You have finally accumulated $1 million in assets after working, saving and investing diligently for 20 to 30 years. The next question is, how do you convert $1 million in assets into $1 million in income streams to support your retirement? This is the question that I encountered as I thought deeper about Retiring at 40. Many people hope that they do not need to draw down on their accumulated assets as they enter into retirement. This is a very important psychological consideration, because, if you need to draw down on your assets, how do you ensure that...

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From Third World to First

This is a tribute to Mr Lee Kuan Yew from the perspective of a financial blogger. The more formal tribute can be found here. Mr Lee has often been lauded for bring Singapore from Third World to First World in one generation. In the process, he has also received a fair share of criticism for his actions. In a way, many of us in Generation X and older are also trying to do the same, striving to bring our own families from Third World to First World in one generation. I grew up in an era when we do...

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Retiring at 40

Most people hope to retire before the age of 40. I just reached my 40th birthday 2 months ago, but no, I did not retire before that day. The idea of retiring before 40 does not sit well with me. Even when I am on vacation leave, I would try to fill up the day with some activities so that I would not feel the day is wasted. Hence, the thought of having to think about what to do everyday for the next 40 years really shudders me. In fact, I am actually thinking of working beyond the retirement...

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How Many Months Do You Have to Work This Year?

Beginning this year, I switched to an Android phone and had to use a new app to record my expenses. The beauty of this new app is that it allows me to enter scheduled expenses ahead of time. Thus, by the first day of the year, I was already down by $5,000 (not counting those variable or unknown monthly expenses such as utilities and taxes). This reminded me of an exercise that I carried out once a while — to figure out how many months do I have to work to cover all my expenses and financial commitments for...

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About Blogging and Investing

This is Post No. 104, which makes it 2 years’ worth of blog posts for this weekly blog. I hope readers will forgive me if I blog about other things during this time every year. Blogging has never been easy for me, despite this being a weekly blog. By Thursday of every week, I would have to think about what to blog for the weekend and after I have found a idea, I would have to think about the content and organise them to form a coherent post. Occasionally, I would also need to carry out some research to...

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A Moment of Silence for Mr Lee Kuan Yew

This weekly blog will not be publishing any financial blog post this week as a mark of respect for Mr Lee Kuan Yew. Let’s take this moment together to remember the contributions that Mr Lee and countless members of his generation have made to the Singapore we have today. See related blog posts: Tribute to a Statesman From Third World to...

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The Anti-Fragile Portfolios

Most investors will worry about a bear market. However, if you have an anti-fragile portfolio, then you should not need to worry about it. In fact, you should maybe even relish it should one comes along. What is an anti-fragile portfolio? First of all, let us define what is “anti-fragile”. The word “anti-fragile” comes from the book bearing the same name written by Nassim Nicholas Taleb. It is used to describe things that will become stronger from shocks. It is different from “robust”, which just means things can withstand shocks but will neither gain nor lose from them. As...

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Possible The Worst Time to Invest – A Year On

About a year ago, I blogged about setting up a passive portfolio comprising of 70% stocks and 30% bonds and discussed whether it could the worst time to invest, considering that the Dow Jones Industrial Average (DJIA) was near an all-time high and the Federal Reserves was planning to raise interest rates from an all-time low. You can read more about it at Possibly The Worst Time to Invest. After a year has passed, how has the portfolio performed? The portfolio was started in Dec 2013 with a lump sum investment. Since then, an additional investment amounting to around 13%...

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To Invest Or Not To Invest?

If you have followed my previous 2 blog posts, you might be confused whether investing is easy. On one hand, I mentioned that there are ways to invest wisely. On the other hand, I also mentioned that investing is not a bed of roses. How should you make out of these 2 seemingly contradictory blog posts? First and foremost, investing is really not easy. You know that the trick to making money is to buy low and sell high. You may also have a plan to ensure that you buy low and sell high. You also know that if you invest...

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Investing Is Not A Bed Of Roses

Do you walk away with the idea that investing is easy after reading investment blogs? That all you have to do is to invest the money and the returns will roll in on a regular basis in the form of dividends? In a way, I am guilty of this as I subconsciously relegate blog posts on how to survive a bear market to the back. After all, who would be interested to read blog posts such as “How to survive a harsh winter” when the season now is summer? Investing is not always easy, especially during the depth of...

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All I Want Is To Invest Wisely

I work in the engineering industry. Many of my colleagues and friends know that I blog. However, not many actually read my blog. It was only recently that some of them feedback to me that my blog is a little too difficult to comprehend. If I could distil what they probably want to read, it would be this: “All I want is to invest profitably”. However, since nobody can guarantee that investing would be profitable, the next best thing would be “All I want is to invest wisely”. To understand how you could invest wisely, first of all, let...

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