Author: Retirement Noob

2018 1H Dividend Update – Growing My Passive Income

I was just looking back at the amount of dividend + interest I collected in 2017 1H. It was approximately S$5,400. Back then, I had sizable positions in Accordia Golf Trust and Nikko AM STI ETF. These stocks contributed almost S$2K of dividends by the first half of 2017. In my last Q1 2018 Dividend update, I collected S$1640,32. Well, another 3 months have passed. My portfolio has changed. I do not have Accordia Golf Trust or Nikko AM STI ETF anymore. And so… Total dividends (inclusive Bank Interest) – 2018 1H: S$5,504.80 Here is the breakdown: Suntec REIT – S$604.44...

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Jun 2018 Portfolio Update – Growing My Passive Income

Total Invested Capital: S$227,745 Time flies. I just realized the last update on my portfolio was 3 months back. Based on the total invested capital, I have added another $14,000 into my portfolio. Since March, I added the following counters: 8,000 shares of Singtel 7,600 shares of Fraser Log & Ind Trust (combination of rights entitlement, excess rights and purchase of 5,000 shares prior rights issue) I have also sold the following counters: 8,000 shares of Comfort Delgro 5,000 shares of Guocoland My portfolio currently stands at: Stock No. of Shares Comfort DelGro 5,000 Suntec Reit 12,000 ST Engineering...

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Playing catch-up with CPF Full Retirement Sum

I was reading Dollars and Sense’s article on Here’s What Your CPF Full Retirement Sum Might Look Like When You’re 55 and wondered how far I am from the required Full Retirement Sum. I am still playing catch-up with the Full Retirement Sum. Rightfully so since I am 36 years old in 2018 with 19 years to 55. What am I expecting the CPF Full Retirement Sum to be in the year 2037? We already know what the Singapore Government (or CPF Board) expects someone turning 55 to have until the year 2020 – S$181,000. However, I am only reaching 55 years...

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Q1 2018 Dividend Update – Growing My Passive Income

While I was pretty happy with 2017 dividends, this should be the year I break through the S$10,000 dividend mark. This journey seems too slow. I started to keep track and monitor my dividends from July 2014. I am beginning to feel tired working to live (feel tired in the corporate world). Waking up, going to work, coming back from work, and looking forward to the weekend. Anyway, here is the update:- Total dividends (inclusive Bank Interest) – 2018 Q1: S$1,640.32 Here is the breakdown of the dividends and interest received in 2018 Q1: Suntec REIT – S$312.48 CDL...

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Feb 2018 Portfolio Update – Growing My Passive Income

Total Invested Capital: S$213,817 Since February, I added the following counters: 4,000 shares of Singtel 4,000 shares of Starhill Global Reit 17 shares of Fraser Commerical Trust (scrip dividend) Stock No. of Shares Comfort DelGro 13,000 Suntec Reit 12,000 ST Engineering 7,000 QAF 20,000 Singtel 10,000 Starhill Global Reit 27,000 Keppel Corp 1,500 CapitaMall Trust 6,000 Guocoland...

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US Option Premiums another source of income (I hope)

At the end of 2017, I decided to foray into US Options. I believe I needed to learn more to find another form of income. Journey started Before I got my hands dirty, I started to read more books about Value Investing and Options. I got myself into a mentorship program as well. Next, I decided to open another trading platform – TD Ameritrade. I am starting small since I am still considered a noob. I will simply just be selling call or put options: Selling a Call Option – I have an obligation to deliver the stock at a predetermined...

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Achieving Financial Freedom is my equivalent to an Olympic Gold

First, I would like to wish Joseph Schooling all the best in tomorrow’s final. Joseph is truly inspirational. He made history becoming the first Singaporean man to reach an Olympic swimming final. What a race he had!?! Finishing with a time of 50.83 seconds. What Jospeh told the media after the semis caught my attention? “I feel fine. A little short on stroke but doesn’t really matter that much. It was all about posting a good enough time to get into top eight. And come back tomorrow and try to do it. It’s a good confidence booster but doesn’t...

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Pokemon Go Gamers can be Good Investors

The global Pokemon craze invaded Singapore a few days back. The streets were horded with people from all walks of life, lured to these PokeStops scattered all over the island. I do not remember Singapore’s Park Connector Network (PCN) ever being this crowded. People could easily mistaken it for Pokemon Connector Network (PCN too!). *Pun intended!* Singaporeans were basically camping at places such as Yishun Park, Punggol Waterway, Bedok Reservoir, etc. to hunt for Pokemon! Pokemon Go Gamers can be Good Investors. They should be! I do believe Pokemon Go Gamers have the mental and emotional tools to be...

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July 2016 Portfolio Update – Growing My Passive Income

I am late with my July update. Added the following counters in July: 500 shares of Keppel Corp. 466 shares of Nikko AM STI ETF. 3,000 shares of Soilbuild Business Space Reit. 4,000 shares of Kingsmen Creative. I went on a small buying spree at the end of July (maybe because of the revision of Standard Chart’s rates). My invested capital has surpassed the S$150,000 mark (like finally). I am really keen on DBS and OCBC shares. Should I buy or should I just hold a little longer? This is always the most difficult question to answer. I am...

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Without a car, one year on… Uberizing!

After driving for the last 8 years, I decided to “throw in the towel” last year. It was a painful decision as I had to familiarize myself with the public transport again. What have I gained? Money. More spare cash. What have I lost? Some convenience. After 8 years… Taking the train was initially uncomfortable – the crowd during peak hours, the stuffy trains at times (when the air-con does not seem to be working), etc. There are always reasons not to like public transportation. However, it has, technically saved time. The morning commute to the office is shorter...

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Forgo Your Child Tuition; Invest the $ Instead

Few days ago, I felt so lazy to get out of bed, with my sleepy eyes, I lazed in bed reading a blog post – My talk on Funding your child’s University Education at the Lifelong Learning Library. And this paragraph caught my attention – “Along the way, I was able to blend in some ideas from economists along with some statistics to get parents to start thinking about the opportunity costs of paying such a large amount of money to tuition teachers and enrichment seminars and think about how large this money stash can get if it was invested...

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Salary in. Invest. Re-invest. Repeat.

People are probably more familiar with “Eat, Sleep, Train, Repeat”. More commonly heard and I believe it is the mantra of many fitness enthusiasts throughout the world. I do often hear it from my slightly “crazier” peers that wants to be fit with a nice body. “Eat, sleep, train, repeat” really simplifies what is essential for every successful fitness program. In fact, it is essential for a successful fitness enthusiast. Now, “Salary in. Invest. Re-invest. Repeat” is not exactly my mantra but subconsciously I have been doing the same for a long period of time. Started with learning how to...

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2016 1H Dividend Update – Growing My Passive Income

Why does Time fly as we get older? 6 months have past. In my last dividend update, 2016 Q1 Dividend Update – Growing My Passive Income, I was pretty sure I will be able to achieve the S$10,000 dividend mark annually (with or without the Saizen Reit’s payout). So I am keep close watch on my progress. Total dividends (2016 1H): ~ S$9,845.31 Total dividends (2016 1H without Saizen Reit’s payout): ~S$4,423.81 Average Monthly Dividends: ~S$737 A breakdown of the dividends/ interest for April – June 2016 (S$2,795.04): Keppel Corp – S$88.00 ST Engineering – S$50.00 Comfort Delgro –...

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June 2016 Portfolio Update – Growing My Passive Income

I have been busy with work and have not updated the blog for 2 months. Various excuses before I got myself to sit down and archive all transactions in terms of purchasing and dividends for the last 2 months. Procrastination! Excuses – 1) Copa América Centenario; 2) Euro 2016; 3) Wasting time on Facebook videos; 4) Maybe tomorrow; etc. Just got motivated by other bloggers and told myself I have to do it. They do not just pass on their knowledge but also motivated me to move towards my goal. A big thank you! Added the following counters in May...

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爱情保卫战 – Financial Issues of Quarreling Couples

  I have been watching 爱情保卫战 on YouTube recently. I can’t believe such a show even exists. Comparing the shows on Channel 8 and 5, I think Singapore needs to be more creative in our reality shows. 爱情保卫战 is a China TV show featuring couples trying to resolve their issues. In fact, some couples featured in the show used it to validate their decision to the end their relationship. Couples Quarreling Over (having different opinions on) Money $$$ There were various relationship issues showcased in 爱情保卫战. 3rd Party, Flirting, Lazy Husband, Lazy Wife, etc. And of course, quarreling over money. Case 1: Husband /...

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