15HWW Origins: Illness And The Passing Of My Mum

My Mum was the closest kin I had, by millions of miles. If my Mum were still alive, we would be celebrating her 54th birthday today. If only. She had passed away 6 years ago, after a one year struggle with ovarian cancer. My Mum My Mum was one of the kindest and most responsible person I know and she sought to instil those qualities in her children. No matter what happened, she would … [Read more...]

Portfolio Update: March 2017


This can be considered a flat month although the total value of the portfolio increased by about $3,000 to end up at $393,000. The appreciating SGD against USD and HKD mitigated some of the stock market gains and it’s interesting that the consensus I sense is that the market appears more frothy than 2 years ago.That’s when the STI was near 3,500 compared to 3,200 right now. But the difference is … [Read more...]

Expenses Update: February 2017

This update is at least a week late as I was simply too busy with the earlier posts. I honestly thought that there was a good chance we could spend less than $3,000 this month. Firstly, this is a short month with only 28 days and secondly, we managed to keep to within $500 for the eating out category, which is easily 50% lower than the norm. But some big purchases and gifts meant that wasn’t … [Read more...]

Learn To Optimise Your CPF


CPF is something close to the hearts of Singaporeans. In fact, it is hard to meet an adult Singaporean without strong views on CPF policies or issues. Be it the inability to withdraw your CPF funds until age 55, interest rates on CPF funds, CPF LIFE or the compulsory Medisave contribution for self-employed (just ask any taxi uncle about this), few would sit on the fence. Much as we dislike some … [Read more...]

Thoughts On The BluePrint For Singapore’s Future

For the past couple of weeks after Budget 2017 was released, everybody’s mind was fixated on the 30% water price hike. In my humble opinion, if the intention of the water price hike is to shock Singaporeans into realising how valuable water should be, the government should probably be considering an even bigger percentage hike. Afterall, for the average Singaporean family (the 4-room dwellers), … [Read more...]

Why I Am Staying With OCBC 360… For Now


I received an SMS from OCBC about the new updates to the OCBC 360 account and after a couple of clicks, I was greeted with this: Basically, OCBC 360 has regressed from an amazing product three years ago to a good product two years ago and is now just an ok product at best. This is reflected by the many (somewhat vitriolic) blog posts about this change during the past 24 hours. Although I am … [Read more...]

Pursuing Financial Independence Is A Privilege


It is hard to deny the importance of money in modern capitalistic life. More often than not, money is the carrot that is dangling in front of us, making us wake up at ungodly hours or rushing to appointments that we would rather not attend. I reckon most people have resigned themselves to a lifetime of the above. Although I simply refused to. And I always thought the option to Financial … [Read more...]

Portfolio Update: February 2017


Markets are climbing slowly and as I am typing out this update, the STI has actually breached 3,100. The total value of the portfolio right now is $390,000 and it is actually up by $10,000 from the previous month. $7,000 was from capital gains and another $3,000 represents capital injection into the warchest.1. 15HWW Permanent PortfolioInterestingly, STI ETF, Berk B and Gold prices are all up … [Read more...]

Thank You, My Mrs


As I logged into Facebook this morning, I was prompted to send a Valentine’s Day card. And then as I started counting, I realised that this will be the 10th V Day since I got together with Mrs 15HWW. Ironically, we have never ever celebrated the occasion on the actual day. Even on our first V Day, I communicated clearly my lack of enthusiasm for crowds and overpriced dinners and flowers, … [Read more...]

Get Rich With … The Escape Artist

Instead of tapping away on my keyboard, I have been enjoying some reading on the internet recently. I managed to stumble onto The Escape Artist one week ago and I have not been so engrossed in reading through a blog’s archives ever since my online encounter with LivingaFI two years ago. The Escape Artist is a Brit who managed to escape his prison camp about two years ago when he was in his … [Read more...]

Expenses Update: January 2017

Just a month ago, we actually established a budget of $42,000 for our expenditure in 2017. This translates to a $3,500 monthly budget and to give ourselves some leeway in the first few months, I gave an additional $5,000 buffer. Unfortunately, in this month alone, we have used up $2,000 of the $5,000 buffer as there were plenty of birthday/wedding celebrations and Chinese New Year was also in … [Read more...]

The Millionaire Teacher


Nope, I am not talking about myself. I consider myself a teacher but I am definitely not a millionaire yet. (Although I do reckon our $380,000 portfolio should have a good chance of hitting that million mark in 10 years’ time.) The person I am referring to is Andrew Hallam, who wrote a best-selling book titled “Millionaire Teacher” five years ago. He’s back with the second edition of the book and … [Read more...]

15HWW Annual Investment Performance Update: 2016


I started this journey in late 2010 and even after 6 years of investing in the market (hopefully not 1 year of experience repeated 6 times), I still regard myself as a beginner. Nonetheless, I would say that I am learning. If not more about the market, then at least more about myself. The stock market is notoriously one of the most expensive places to find out who you are and I really hope I don’t … [Read more...]

Portfolio Update: January 2017


A new year, a new beginning and a new format for the monthly portfolio updates. As many readers have known, the 15HWW Permanent Portfolio is live and it will definitely be a part of future updates, along with my other investment strategies. January has been a rather good month for local equities as the STI Index breaches the 3,000 mark once again. Let’s see if this can be maintained and if … [Read more...]

Is Freelancing Worth It?


It seems like I am not the only one as more and more millennials are turning to freelancing. As a tutor and budding writer during the past one year or so, I have had my fair share of triumphs and disappointments. So, I thought it would be good for me to share some of my insights so that people pondering on making this switch can have a better understanding of this life before making the … [Read more...]

The 15HWW Permanent Portfolio Is LIVE!

I talked about the principles behind this portfolio almost a year back (over here) but it took me almost a year to build up this portfolio to $150,000 worth of value. I am officially tracking it from 1 Jan this year. And this is not a hypothetical tracker since I am putting real money (a significant chunk of my wealth) inside it. The $150,000 is split into 5 assets which makes it about … [Read more...]

Hedging With 3 Different Investment Strategies

As I have written in an earlier post, by the time you “realise” you can or cannot beat the market, it could be too late. Therefore, my preference is to adopt various approaches and I have somewhat settled on 3 for 2017 and hopefully, all of them will work out well beyond 2017. 1. 15HWW Permanent Portfolio This has been in place since 1 Jan 2017 and I will reveal what it’s exactly made up of in the … [Read more...]

Living Till Age 100?


The Mrs celebrated her 31st birthday just last week. I actually told her that I would be really grateful if I get to celebrate her birthday for at least 50 more times.  Like most people, I actually don’t really believe I would live past 90, let alone 100. However, I came across this blogpost written by Labour MP Zainal Sapari which talks about how we all must start preparing to live a life till … [Read more...]

By The Time You “Realise” You Can Or Cannot Beat The Index, It’s Too Late?


I have an investment record of about 5-6 years. For someone who is 30 years young, that’s considered pretty long. But to most “investors” out there, it’s too short a period to judge whether I am a good investor. Some of them would say you need to have at least 10 years of track record or go through at least a cycle or two of bulls and bears. It’s then when you can judge if you really outperformed … [Read more...]

Expenses Update: December 2016

We spent a reasonable $3,280 in December considering it’s the month of giving. I guess with the intention of sticking to a budget of $42,000 in 2017, we have already subconsciously tried to pare down a bit of the excesses in the last month of 2016. The entire year’s spending is in and we actually spent about $52,000 for 2017 which translates to a monthly expenditure of about $4,300.  I guess I … [Read more...]