Author: Miss Niao's Financial Journey (and other random stuff)

February 2019 – Portfolio Updates (Kraft Heinz Co. and more)

The second month of 2019 doesn’t bring too much happenings in my portfolio, apart from the fact that I have moved some of my funds around. I committed to being more aggressive with my fund allocation this year and pushed most of my extra funds into stocks within the past two and a half months. In February, I made a divestment in AEM and sold all my shares at $1.06 per share. I can say that this decision has been rather quick, and although I did mention before that my target price for this stock was supposed to be $1.31,...

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January 2019 – Portfolio Updates (and Some AEM Holdings Stuff)

It’s already mid February, and thus a very late portfolio update. But I was kinda enjoying myself during the CNY holidays that I placed blogging at the back of my mind, as with my laptop from work, for a deserving break.  There’s so much that can change within a month when the stock market is concerned. In January alone, the STI has recovered to a gain of 2.60% as compared to its drop of -6.63% in 2018. It might be time to start stock hunting again for good deals, and I’m glad that I did manage to get one...

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My thoughts on Micron (NASDAQ:MU)

I wanted to start 2019 with a better portfolio, and what better way to buy another great stock to add to her? It’s been quite awhile since I did an individual analysis on a stock, considering that I spent a lot of posts recently on self reflection and progress. I should do it more often though, because more often than not my readers or the comments are able to provide very good insight on my personal opinions, and this blog is pretty much the only avenue that I can reach out to similar investors. Since we’re on this topic,...

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My Financial and Expense Report (2018)

Many of my friends around me think that I have this secret obsession with money. They know that I track my expenses on a daily basis and can never understand how I can bring out the time to do so. The reason is simple – I make it a priority in my life to achieve financial independence, and there is no other (better) way I know to achieve that – by reducing my expenses and increasing my income. And the only way that I can reduce my expenses is to know what I’ve been spending my money on. I...

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2018 Portfolio Updates

It’s the 2nd year that Miss Niao can celebrate a full-year review for her portfolio again. How well did I do as an investor? Not at all fantastic, though still in line with my goals. A Look Back on 2017 In 2017, I started my investing journey and injected my funds rather consistently, performing a buy trade with a monthly/bi-monthly frequency. I had no sell trades in 2017. I have also experienced how a bull market is like, and the emotions I had to go through of having a loss of double digit percentage points on paper – not...

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My Net Worth In 2018

2019 is finally here to stay for the next 360+ days, and I can’t wait to review my finances for the year. After my CPF interest has been deposited on the last day of 2018, I do have a rough idea on how well I did in my financial health for the year and I am very glad to say that it has been much better than I’ve expected it to be, though I fell very short on my expenses and exceeded my budget very… exceedingly due to some unexpected expenditures that were quite unavoidable and unaccounted for. I...

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Would You Retire Overseas?

We always talk about retirement in Singapore and the projected expenses that we need to reach financial freedom. I set out on my journey with a target of having a passive income of S$3000 per month by the time I am 40 to cope with the rising cost of living in Singapore and possible inflation of my standard of living. Now that I am 28 officially, my goals still stand with similar projections. All I need is S$616,930.67 with a 6.5% annual yield to reach my goal. Sounds easy? Of course not. That 600-odd thousand amount is the amount...

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Would You Retire Overseas?

We always talk about retirement in Singapore and the projected expenses that we need to reach financial freedom. I set out on my journey with a target of having a passive income of S$3000 per month by the time I am 40 to cope with the rising cost of living in Singapore and possible inflation of my standard of living. Now that I am 28 officially, my goals still stand with similar projections. All I need is S$616,930.67 with a 6.5% annual yield to reach my goal. Sounds easy? Of course not. That 600-odd thousand amount is the amount...

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November 2018 – Portfolio Updates

One more month left until the end of 2018. It’s time that I start reflecting on my achievements for this year. Soon, you will also see my expenses report, goal review and the final portfolio update in preparation for new goals in 2019. I still have one month to accomplish my goals for the year and I’m wondering how I will feel after 2018 have passed. Will I be upset or elated over my experiences? Somehow, I feel that self-fulfillment has been something that I’ve always struggled with. Since young, I’ve been taught to be competitive and aim for...

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November 2018 – Portfolio Updates

One more month left until the end of 2018. It’s time that I start reflecting on my achievements for this year. Soon, you will also see my expenses report, goal review and the final portfolio update in preparation for new goals in 2019. I still have one month to accomplish my goals for the year and I’m wondering how I will feel after 2018 have passed. Will I be upset or elated over my experiences? Somehow, I feel that self-fulfillment has been something that I’ve always struggled with. Since young, I’ve been taught to be competitive and aim for...

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October 2018 – Portfolio Updates

So 11.11 happened over the weekend and usually I’ll be stuck in front of my PC trying to find good deals. For this year though, I didn’t buy a single thing nor went to any website to look for something, for the sake of buying something. It just felt like I didn’t need anything, and I am thinking if it’s related to my minimalistic approach to stuff now. The cycle goes something like this. The less I purchase, the more I know what I need, and I can be selective with my money. And being a natural cheapskate towards...

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October 2018 – Portfolio Updates

So 11.11 happened over the weekend and usually I’ll be stuck in front of my PC trying to find good deals. For this year though, I didn’t buy a single thing nor went to any website to look for something, for the sake of buying something. It just felt like I didn’t need anything, and I am thinking if it’s related to my minimalistic approach to stuff now. The cycle goes something like this. The less I purchase, the more I know what I need, and I can be selective with my money. And being a natural cheapskate towards...

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Expenses Review – Q3 Y2018

So I’ve been kind of going through a rough patch in my life recently, and was pretty inactive in the blogosphere for the last month. I think it was kinda reflected in my previous post that I wasn’t really okay, but I guess… that it’s okay not to be okay sometimes! Life isn’t supposed to be as picturesque as how everyone paints it to me, and I would very much rather my blog show not only the good, but also the bad experiences that I go through. Which is why I always blog about my failures, and constantly thinking...

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September 2018 – Portfolio (and Personal) Updates

Two more months before the year comes to an end, and I’ll officially be 28. I try to keep my blog posts mostly related to my investment journey, but there’s always some random (and more personal) stuff that goes on in my life which is still pretty blog worthy, so I talk about them to express myself. And perhaps allow my rantings in my writings to come through to others who are feeling the same way. Have you ever felt like you’ve been trying to please others since forever? Wanting to agree and compromise, and accept the other person...

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August 2018 – Portfolio Updates

With AEM as the newest addition to my portfolio from the beginning of August, things have gotten quite… volatile. Time weighted return (YTD): -4.11% against STI ETF of -2.88% XIRR (YTD): -5.92% It was not surprising that my portfolio dipped again towards the end of the month as the prices of Valuetronics and AEM mostly reduced back closer to their intrinsic values, and my buying prices. This month has also been rather nice on the collection on dividends with most of the companies announcing their earnings for the 2nd quarter of the fiscal year. Just this month alone, almost...

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