Author: My journey to financial freedom

All You Need To Know About The Engineering Industry in Singapore (2018)

Mr. 15HWW has recently posted an article about The Booming Electronics Sector. I made some comments on that article but honestly, there was so much more that I wanted to say but couldn’t in a small text box. It actually kinda make me pretty motivated to talk about how’s its like being an engineer, and where else can I talk to people that I don’t know? Thus, the birth of this post. (Thank you 15HWW for the inspiration!) This post would be perfect for polytechnic/university undergrads that want to know more about their potential career in the engineering industry....

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The Importance of Dividends

How important would you take dividends into consideration when buying a stock? Personally, I take dividends quite seriously, and it is one of the key criteria before I decide to make a transaction. If I come across a stock that doesn’t give dividends, I will most likely skip to the next stock – unless the stock has a very good reason for not giving dividends. There is even a term for investors who highly emphasize on high yield dividend stocks, and they are called income investors! A fellow blogger and my good friend, Warriortan, gets a significant amount of...

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2018 Personal Goal Setting and Review

2018 has just started to set in and I just told my colleagues yesterday that it feels like nothing much has changed – at work at least. Life still goes on, work still goes on, CPF interest is in, Nikko AM STI ETF went XD two days ago… Yeap pretty much the same… …except that there’s actually a lot more stuff going on now as compared to the beginning of last year. 2017 to me was a great year, in fact, much greater than what I would have expected myself to achieve. I consider 2017 as a boost to...

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2017 Cash Flow Statement

I’ve been reading quite a few annual reports this year and I’ve decided why not put my personal expenses into a cash flow statement. I think now my brain is by default suited to read the language of money in comparison to Assets VS Liabilities, Revenue VS Gross Income VS Net Income and Operating/Investing/Financing activities. In fact, I just remembered that I was supposed to continue analyzing Christopher’s Chicken Rice stall and I left out the cash flow statement of his business! Not cool, Miss Niao. Not cool. Okay, I’ll make it up for it by blogging about my own...

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2017 Portfolio Updates

Finally! The last day of SGX was yesterday and I have my stats ready from StocksCafe on my portfolio performance. Now, it is my greatest pleasure to announce that my portfolio has beaten the market, but only by a small margin. If you’ve been following my previous portfolio updates, you would have known that I had reported in my November updates that my time weighted returns were 13.66%. Well that number has increased to 14.56% over the past month. However, I have to apologize to anyone who thought that I was an awesome investor because these numbers do not reflect...

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4 Lessons (and Quotes) About My Investment Journey – 2017 Edition

It has been more than two weeks since I last posted an entry. Apologies for anyone who has been waiting – it has been a long week for me and I couldn’t spare extra time to blog since I have a lot of back log to clear at work. Always so much to deliver, but with limited time on my hands. As the end of 2017 draws to a close, I have started seeing other finance bloggers posting about their portfolio performance and how their investment journey has been. The market this year has been doing so well, and...

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What Impresses Me The Most Is…

… not how much you earn, but how much you save. …not saving $10,000 yearly with an annual income of $100,000, but saving $10,000 with an annual income of $20,000. …not how much money you have in your portfolio, but your time-weighted returns against the performance of the market. …not the numbers in your bank account, but what you have done to multiple those numbers. …not by the car you drive or the house you live in, but how contented you can be while having less. …having to stop working by choice, and not because you can’t afford to....

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November 2017 – Portfolio Updates

Since October, the STI ETF has increase 1.85% in performance. Similarly, my time weighted returns have increased by 2.33% to 13.66%, since G3B holds around 25% of my portfolio. I don’t know if it’s because of the bull market, but Keong Hong and Tat Seng Packaging are slowly revealing their intrinsic value, with both stocks rising very much in the past month as compared to my other REITs holding and ComfortDelgro. The returns are 23.42% and 9.73% respectively, and they rose much faster than I’ve expected them to, considering that I was prepared to hold them for a much...

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Inspiring 26-year-old reader: It’s not important on how much we are given/have. But how we utilize our resources no matter how little, that is far more important.

Earlier this week, I received an email from a reader. This 26-year-old’s story is inspiring, and also led me to contemplate on my own life goals. I sought his permission to share his story here and believe that it would benefit other readers, both long time and new. Hello Ms Niao, I stumbled onto your blog when I was researching ILPs few days ago, after having been proposed the policy. I decided against that ILP, since it does not fit into my long-term goals. I have been reading your (engaging & light-hearted) financial journey from start to current. I’m impressed...

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Property V.S. Stocks – Which has better returns?

As a millennial living with almost every one that I know trying to keep up with the Joneses, it’s not surprising to see some of my friends spending a hell lot to get their first home. The concept is drilled into their heads that property is 99.9999% of the time the best investment that they can make in their entire lives. In fact, the price that they are willing to pay is sometimes something that my alter ego of Miss Niao will never approve of. With the hefty loan that they have to take, after wiping off all their...

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Comprehensive Breakdown to Insurance Plans – FREE spreadsheet!

READ THIS BEFORE INVESTING WITH INSURANCE PLANS! I am not sure if it’s coincidental or not, but recently I have been receiving quite a few requests from my readers and friends for evaluation of their insurance plans. Some of them were directed from the story of my ILP which was posted on HWZ, while others chanced upon my blog. Perhaps it was because of the spreadsheets that I have uploaded. I have reviewed the spreadsheets but there isn’t one that can help to calculated exactly how much your returns would be with insurance plans. To my surprise, there are...

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October 2017 – Portfolio Updates

This post is way overdue, but still needed nonetheless. October was a decent month for both BF and my portfolio performances, and I am quite pleased with it, although not complacent. At the end of October, my time-weighted returns have reached 11.33% with an XIRR of 18.09%. Although the STI’s performance to date has been +17.12%, I only got vested in May. Therefore, it would be more accurate to compare my results with the STI as to how much it has increased since then, instead of January. Using the STI ETF as my yardstick, I have managed to gain...

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How To Be Lucky In Life (and Create Your Own Luck)

I don’t meet new people everyday, but when I do, this is what happens. Conversation between me and new dude: Me: Okay, nice meeting you! Hope to see you soon. New Dude: Same to you! *wide smile* After 10 minutes, I get a Whatsapp message from you-know-who… New Dude: Hey, I can’t help put my finger on it but you remind me of an article that I’ve read recently. Me: Ah, really? What is it? New Dude: http://www.huffingtonpost.com/melissa-chu/why-are-some-people-lucki_b_12458558.html New Dude: You are exactly the lucky type of person that this article is talking about. (Y) Me: *reads article* Haha,...

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Women Are Better Prepared for Retirement

Image Source: https://www.cnbc.com I was randomly scrolling through the CPF website yesterday and found something very interesting. They have recently performed a Trend Analysis of CPF members’ Balances based on Gender, and they did a comparison between the CPF balances of males and females and how the workforce has changed since 2006 till 2016. If you look at modern society right now, it is not uncommon to find a dual-income household. Gone were the days of stereotypes when the man is assumed to be the sole breadwinner of the family and the woman has to cook and clean. While this kind...

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Why Setting a Budget is Silly – Here’s a Better Way to Save Money

If you were to ask anyone what’s the best way to save money, it is quite inevitable that the conversation will somehow lead to the word “budget”. What does budgeting really mean anyway? In my definition, it is to place certain boundaries around different portions of your paycheck to know where the money is all going to. And if you cross those boundaries, it means that you haven’t been disciplined enough to have done what should be best for you. Imagine yourself going on a diet. A typical diet plan would go like this: You try to restrict yourself...

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