Author: Singaporean Talks Money

Portfolio Update and Dividends received in February 2019

In February, 59 units of G3B (Nikko AM STI ETF) was added to my portfolio through the RSP with POSB invest saver. With this, my total portfolio now looks like this. Design Studio has been a huge pull down for my portfolio, with more than a 50% drop of price. I bought it with a greed for dividends and did not do much research into it. I do regret it and it is the one stock that has pulled down my portfolio by sooo much. Overall, my recent purchase of Far East Hospitality Trust and CapitaRetail China REIT has...

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OT work life – feeling drained

I have been working overtime for consecutively a week now except for Sunday. It’s tough when work takes up so much of your time. This explains for the lack of blog post this week. I have been working till about 1030/11pm as there is data migration going on in my company. This means that when I reach home, I bathe and after drying my hair, I get to bed right away as I am sooooo drained. Waking up the next day is tough as well as I find myself not getting enough rest the day before. I have so...

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Budget 2019 – Merdeka Generation

My mum is in the Merdeka Generation (MG), oops, revealing her age range here. So of course, she has been wanting to hear about what she would get from the government. With what was announced at the Budget 2019, she will be getting: 1. PAssion Silver Card Top-up There would be a $100 placed into their PAssion Silver Card, which they can use for public transport, swimming pools and courses at the community clubs. More details would be announced in June 2019 for this $100 top up. 2. Annual MediSave Top-up There would be annual top-ups into MG’s Medisave...

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Losing a fellow comrade at work

A few weeks back, my mum told me that her boss has been assigned to another country and that he was considering to maybe take up that position. Maybe some back story first before continuing, my mum and her boss were the first 2 employees for the Singapore office and so they both have always been around for quite long and he is the director of the Singapore office. While my mum is somewhat like a PA or secretary. Of course, over the years, they have quarreled or argue but he was willing to teach her and also to...

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Dividends received in January 2019

Another pretty overdue post as I realised that I haven’t posted about the dividends received in January 2019. So for during January 2019, I recieved dividends from Singtel and Nikko AM STI ETF. I received $34 from Singtel and $18.85 from Nikko AM STI ETF. This bring my total dividends received in January 2019 to be $52.85. Comparing to 2018 in January, where I received about $18.85 which was only from my Nikko AM STI ETF. So with the addition of Singtel to my portfolio, I have increased my dividends received. However, with the drop of Singtel share price,...

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What to do with your angbao money? Save, spend or gamble?

With Chinese New Year coming to an end soon, almost all angbaos would have been received. So what do you usually do with the angbaos received? I would usually just deposit the money into my bank account. And this is also what most Hong Kong children are doing as well. I came across this article which mentions that a substantial proportion of children in Hong Kong are saving their angbao money, of course they might be forced by their parent’s to do so but it is a good thing.  According to the article, many children in Hong Kong were...

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Buying without looking at the price tag

My friend and I talked recently as we both just started working. So we asked each other what our ultimate goal of working shall give us. He told me that he hope he would be able to like treat his friends at a restaurant or buy things without looking at the price tag. Well, that would be crazy but at least it is something that he is aiming for and it’s really nice of him to think of the people around him enjoying as well when he becomes rich. Many people want to achieve financial independence for certain reasons,...

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Dividends collected in 2018

A late update on the total amount of dividends I have received in 2018. So in 2018, drum roll……….I received a total of………… $273.05 of dividends from my portfolio. Not much but of course this was the year I entered the stock market and so I am pretty happy to see some dividends coming in even though my portfolio is still in the red. I have read many articles mentioning that you should first build up a substantial amount of money first or to increase your income before getting into the market to prevent commission charges from eating up...

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Travelling right after graduating

My exams ended on Oct 2018. Many of my friends started travelling after that and many travelled to a few countries at once. Some went to Europe and also to more expensive countries rather than like Thailand or neighbouring countries that are more affordable. I think it is good to be travelling when you are young as you have more stamina and are up for more risky activities. My friend’s cousin for example took a loan from her parents after she graduated to travel around Europe for a month and after she came back, she started work and slowly...

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Time to BTO!

I recently met up with my polytechnic friends as well as my university friends. In those 2 group, there were individuals who have applied for a BTO unit with their significant other. One of them have even successfully gotten a BTO unit. When I first heard about their plans, I was like wow…..we are all getting old now. And that they are really planning for their future. I mean I met my polytechnic mates when we were all just 17 years old so every time I meet them there is that impression that we are all still young. But...

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HAPPY LUNAR NEW YEAR!

5th Feb 2019 would be the first day of the Lunar New Year. For me, it will also be my year as I am born in the year of the pig, Oink Oink. With the weeks following up to CNY, many of my colleagues and my mum changed new notes to give out during CNY. With the changing of new notes, DBS bank has actually introduced a angbao with a QR code which would then allow the moneyto be digitally transferred.  Good initiative but for many, cash is still much more shiok to receive. Every year, I would help...

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Goals for 2019 – Physically, Mentally and Financially

January 2019 is coming to an end soon and I realized that I haven’t set any goals yet for this year. Goals are essential because they are a target for you to work towards and even if you were not able to achieve it, at least you were in the journey of achieving it. For me, I don’t usually set goals but for this year, I like to try to have some goals to make myself to be a better me. HAHA. Physical Goals: – I hope to at least exercise two times per week either by skipping or...

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January 2019 Portfolio review – Added Far East Hospitality Trust and Nikko AM STI ETF into my portfolio

In January, I added 1800 shares of Far East Hospitality Trust (Q5T) into my portfolio. I bought in at a price of $0.610 each. I have been planning to add more REITs into my portfolio. Currently, my portfolio has 2 REITs, First REIT (AW9U) and CapitaLand Retail China Trust (AU8U).  Far East Hospitality Trust consist of Far East Hospitality Real Estate Investment Trust and Far East Hospitality Business Trust. They have 13 properties with 9 being hotels and 4 being serviced residences. Hotels Serviced Residences Oasia Hotel Novena Regency House The Elizabeth Hotel Village Residences Robertson Quay Orchard Rendezvous...

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Getting more healthpoints to redeem vouchers

So after starting work, I have many colleagues who wear the steps tracker issued by HPB. I also do have one but I wasn’t wearing it everyday. However, since everyone at my workplace wears it and clock their steps, it made me also wear it everyday to clock my steps. I think it’s a really great program by the government to let us exercise for points which can be exchanged for vouchers. In the previous National Steps Challenge Season 3, I did manage to redeem some vouchers to use and it was quite fun but to clock up the...

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Tidying up with Marie Kondo – CNY spring cleaning

Recently, I was on Instagram and saw a few people posting about them clearing their room according Marie Kondo. So I went to search and realised that it was a Netflix show, I went onto Netflix and watched the first episode. I only watched till the 3rd episode. To be honest, the first episode was pretty boring as the original house, I wouldn’t say it was like messy but it was okay. The second episode was pretty exciting for me as their home was really cluttered and it was cluttered with many things with memories making it pretty tough...

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