Author: Let there be White Noise

Monthly Expenses and POSB Invest Saver update (March 2017)

Good day, readers! March has been a month of splurging for me as things like my mousepad and earpiece were worn out. Bought a book at my school bookstore too as the contents inside were essential readings for my module. Overall expenses had actually exceeded my monthly allowance (terrible money management). Hopefully there would not be anymore unforeseen expenses in the following months. Here are my expenses for March 2017: Category $ Eating Out 142.7 Hobby 115.25 Transport 30.90 Groceries 26.63 Clothes 8 Here are the transactions for March 2017: ABF Singapore Bond Index Fund (A35.SI) Date Units Bought...

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Monthly Expenses and POSB Invest Saver update (February 2017)

Hello readers! February had been hectic for me as I was preparing for my preliminary exams. There were days where I had forgotten to track my expenses. I have used estimates for days I missed out on tracking, so the figures for this month may not be as accurate. Previously in January, I was using the app Expense Manager to track my expenses, but it was a hassle since there was no overview of how much I had spent for the month. I have switched to Monefy in February, and it was much better with an overview and options...

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Monthly Expenses and POSB Invest Saver update (January 2017)

Hello readers! Firstly, a belated happy new year to you all! I am hopeful that 2017 would be a great year for myself and all of you too. I have been budgeting my monthly allowance since I started university in 2015. From this month onward, I decided to try tracking my expenses to find out how much I am spending in each category. Here are my expenses for January 2017: Category $ Eating out -53.5 Stationeries -1.92 Groceries -20.85 Transport -48.08 Prepaid mobile Top-up -10 Here are the transactions for January 2017: ABF Singapore Bond Index Fund (A35.SI) Date...

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POSB Invest Saver monthly and Portfolio update (December 2016), along with self-reflections

Hello, readers! 2016 is coming to a close, and while the year hadn’t been too fortunate for me overall, I am glad to have made it out stronger as I reviewed my life priorities. Credits: Image source Learning musical instruments was one of my more costly hobbies, with me taking up the violin back in secondary school. Fees for the violin lessons were shared between me and my parents, as they wanted me to take initiative and responsibility for my learning process. Along with the freedom I was granted, I am grateful to my parents for allowing me to...

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POSB Invest Saver monthly and Portfolio update (October & November 2016)

Hello, readers! As my apartment was undergoing House Improvement Program back in end Oct, I was not able to update my October transactions. That’s that, so I had decided to update the data for October & Novemeber into this one post instead. The interest rate hike by the Fed had been delayed several times, and many had expected to arrive in December, which thus explained the big drop in the purchase price for A35. Though my average price is currently higher than the market price, I look forward to averaging down for this counter. Here are the transactions for...

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POSB Invest Saver monthly and Portfolio update (September 2016)

Hello, readers! As I just settled back into my new school semester, I apologised for the belated update. G3B.SI has been on a downtrend since i started purchasing back in July 2016, but averaging down to reduce the average price is not a bad thing. Here are the transactions for September 2016: ABF Singapore Bond Index Fund (A35.SI) Date Units Bought Units Sold Net Units Price ($) 26-Sep-16 83.78 -0.78 83.00 1.1875 NIkko AM STI ETF (G3B.SI) Date Units Bought Units Sold Net Units Price ($) 14-Sep-16 33.86 -0.86 33.00 2.9237 Here are the details of my shareholdings:...

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POSB Invest Saver monthly and Portfolio update (August 2016)

Slightly late, but I am back with my monthly update for August 2016! The price of A35 has been edging up for the past few months, nearing its 52 weeks high now. As much as I am tempted to sell and take profits, letting the amount to snowball has more upsides. Here are the transactions for August 2016: ABF Singapore Bond Index Fund (A35.SI) Date Units Bought Units Sold Net Units Price ($) 25-Aug-16 83.94 -0.94 83.00 1.1853 NIkko AM STI ETF (G3B.SI) Date Units Bought Units Sold Net Units Price ($) 13-Aug-16 33.47 -0.47 33.00 2.9575 Here are the...

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(Overdue) Life updates part 1 – Carrying habits over from one life to another

I wrote the below draft on my smartphone’s note app while passing time in the office. It’s my first attempt of writing something personal, so hope you enjoy this narrative journal post! (Hadn’t been writing since my last post, so it might feel rusty.) Sometime in mid-June, my employment status had changed from “Student” to “Employed”. Though designated as a temp staff, I wasn’t elated on taking additional responsibilities, nor receiving salary in my bank account. The latter spelled trouble like the former did. It might seemed puzzling, but how would you have reacted to an increase in spending...

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POSB Invest Saver monthly and Portfolio update (July 2016)

Good day, readers! Instead of updating my transactions on a quarterly basis, I decided to change to publishing on a monthly basis for avid investors who are following closely. In my last post, I mentioned about investing in Nikko AM STI ETF (G3B.SI) to add equities into my portfolio for diversification. Here are the transactions for July 2016: ABF Singapore Bond Index Fund (A35.SI) Date Units Bought Units Sold Net Units Price ($) 26-Jul-16 84.52 -0.52 84.00 1.1771 NIkko AM STI ETF (G3B.SI) Date Units Bought Units Sold Net Units Price ($) 13-Jul-16 33.33 -0.33 33.00 2.97 Here are the...

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POSB Invest Saver 2016 2nd Quarter (Apr-Jun) transactions and Updates

Howdy, visitors! Here’s the quarterly update of my POSB Invest Saver Plan for the 2nd quarter. ABF Singapore Bond Index Fund (A35.SI) Date Units Bought Units Sold Net Units Price ($) 26-Apr-16 84.97 -0.97 84.00 1.171 25-May-16 85.11 -0.11 85.00 1.169 25-Jun-16 84.32 -0.32 84.00 1.18 And here are details of my shareholdings, amount invested, and market value thus far. Current Shareholdings: 1,795 Amount Invested: $2,086.15 Market Value (Indicative) from IBanking portal: $2,103.66 Updates Ever since the share lot size decreased from 1,000 to 100 at the start of Jan/2015, I had been trading off and on using SCB...

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