Author: The Sleepydevil's Adventure

Singapore Savings Bond (SSB) – 2.01% (Jan 2019)

SSB for Jan 2019 has gotten itself to the next level – Offering 2% for the first year!!  It seem to be going higher and higher, making short term deposits further and further unattractive as compared to SSB! Image taken from SSB’s site – www.sgs.gov.sg I’ve written briefly on several issues of SSB previously which you might wish to refer to for some of my thoughts: Singapore Savings Bond (SSB) – 1.78% (July 2018)  Singapore Savings Bond (SSB) – 1.68% (June 2018)Singapore Savings Bond (SSB) – 1.65% (May 2018)Singapore Savings Bond (SSB) – 1.55% (Feb 2018)  As a recap,...

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Portfolio – November 2018

Current Portfolio (30/11/2018) No.  Counters No. of Shares Market Price (SGD) Total Value (SGD) based on market price Allocation % 1. SingTel 1,400 3.08 4,312.00 30.47% 2. APTT 11,500 0.167 1,920.50 13.57% 3. Wilmar Intl 500 3.04 1,520.00 10.74% 4. Starhill Global REIT 1,700 0.67 1,139.00 8.05% 5. Far East Orchard 800 1.26 1,008.00 7.12% 6. AIMS AMP Cap REIT 400 1.36 544.00 3.84% 7. ComfortDelGro 100 2.10 228.00 1.48% 8. Singapore Saving Bonds 1 1,500.00 1,500.00 10.60% 9. Warchest 1 2,000.00 2,000.00 14.13%   Total SGD:     14,153.50 100.00% November too, like October had been a really...

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Getting Some APTT

*Apologies as this post is supposed to be out some time ago, but due to my busy schedule, I’m not able to complete the post till today* Asian Pay TV Trust is one of the companies I’m looking on SGX in the very beginning of my investing journey and one of those I actually started doing a homework for… or rather… an analysis. A simple one. I was pretty much attracted by the yield back then and I started to source out some in our local market. I remember going through Mapletree GCC Trust at about 1.00 range (something...

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Personal Wealth Building: Money Management

Money management is the greatest key to unlocking all the treasures on your road to wealth. This post is somewhat inspired by STE once again on his latest post (Is Winning the Lottery Cursed?) I strongly believe that it is never about how good of an investor you are or how high your income is neither about how great your windfall will be. If one is not prudent and does not manages his/her monies well, I believe that no one should be blamed for your mishap. I personally know many of such people around my life. Those high flyers with...

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Portfolio – October 2018

Current Portfolio (31/10/2018)  No.  Counters No. of Shares Market Price (SGD) Total Value (SGD) based on market price Allocation % 1. SingTel 1,400 3.18 4,452.00 33.12% 2. Wilmar Intl 500 3.16 1,580.00 11.75% 3. Starhill Global REIT 1,700 0.675 1,147.00 8.54% 4. Far East Orchard 800 1.26 1,008.00 7.50% 5. AIMS AMP Cap REIT 400 1.32 528.00 3.93% 6. ComfortDelGro 100 2.28 228.00 1.70% 7. Singapore Saving Bonds 1 1,500.00 1,500.00 11.16% 8. Warchest 1 3,000.00 3,500.00 22.32% Total SGD: 13,443.50 100.00% This month had been a really really bloody month for most people and I’m definitely not excluded....

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Cash is not King. Cashflow is.

When it comes to the topic of investing, I believe everyone out here wanted the same outcome – which is to allow our money to grow. In another words, by investing, we want our money to come out more than what we place into. But sadly, the perfect world is never constructed in such a fashion and it is not always the case as there is many that actually came out with lesser money than injected. Being a not-very-smart investor myself, I believe that aside the homework or due-diligence that is done, we need a fair share of luck to...

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Being Frugal or Being Cheapskate?

Everyone is born with a different spoon in their mouth. Some entered the world with a golden spoon right up while some are out with a plastic one. Nonetheless, I believe that majority of us today should be contented that regardless of spoon they’re having, they actually have one. Comparing to the slightly unfortunate ones in some other neighboring countries who probably not have any spoon to go with, we should be glad and count ourselves lucky. Personally, I do not have the privilege when I enter the world 20 years ago to be fed with what we see...

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Temasek T2023-S$ Bond

Temasek had recently launched a bond available for retail investor 2 days ago. The latest bond released by Temasek was the first ever that is opened for public to participate in. Here are the details below for an overview: Interest Payment Date: 25 April / 25 October yearly. For an easier explanation, I believe Temasek has done a nice job to include a short introduction and explanatory about the bond they’re issuing to provide a the public with a general idea of the bond. You may wish to take a look at the video below for more information [embedded...

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Portfolio – September 2018

Current Portfolio (30/09/2018)  No.  Counters No. of Shares Market Price (SGD) Total Value (SGD) based on market price Allocation % 1. SingTel 1,400 3.24 4,536.00 34.40% 2. Wilmar Intl 500 3.22 1,610.00 12.21% 3. Starhill Global REIT 1,700 0.695 1,171.50 8.96% 4. Far East Orchard 800 1.32 1,056.00 8.01% 5. AIMS AMP Cap REIT 400 1.40 560.00 4.25% 6. ComfortDelGro 100 2.45 243.00 1.84% 7. Singapore Saving Bonds 1 1,500.00 1,500.00 11.38% 8. Warchest 1 2,500.00 2,500.00 18.96% Total SGD: 13,186.50 100.00% The month of September is a greenish one for most of the business I own as opposed...

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CPF OA-SA Transfer for Millenial.. BTO How?!

The post today is inspired after sharing my last post on InvestingNote about my CPF transfer. Read: Peep into 20-year-old boy CPF Account – OA to SA transfer This post has sparked off a certain level of controversy and a fair amount of input from wise seniors from InvestingNote regarding the OA account for first property. All the comments are wise inputs which I acknowledged to and is learning from. Let’s take a look at some of them: For those that are curious, here’s the link to the post which you guys may refer to. There’s more comments that...

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FY2018 Q3 Dividends

3Q 2018 is a pleasant quarter for me as all of my companies paid its dividend.  Yes, that’s right all. And that makes me smile. Not forgetting AA REIT in September and FEO in July.  Tasty. But I guess they’re all good doses of panadol for now as my portfolio is taking a beating from Mr Market.  Ouch!  Having that said, I believe most readers would easily identify and knows that I’m very much looking forward to receiving the payout from SingTel in mid-August. The payout received from SingTel is the largest single payout I’ve ever received till date...

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Portfolio – August 2018

Current Portfolio (31/08/2018)  Counters No. of Shares Market Price (SGD) Total Value (SGD) based on market price Allocation % Wilmar Intl Starhill Global REIT Far East Orchard AIMS AMP Cap REIT 6. ComfortDelGro 100 2.29 229.00 2.02% Singapore Saving Bonds 1 1,000.00 2,500.00 Total SGD: The...

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Peep into the 20 year old boy CPF Account – Transfer from OA to SA

It had been some time since I wrote anything about CPF. It had also been close to a year since I shared my last “peep” into my CPF Accounts. Read: Peep into the 19-year-old student CPF Account – Transfer from OA to SA I’ve decided to make it more meaningful this time round aside from sharing the figures alone, and I will briefly write to myself about my feelings, experience, and thoughts towards the process. Source: CPF Board – BRS 2016~2020 The CPF scheme is designed and created to help working Singaporeans and PRs to primarily fund their retirement,...

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Looking Back into One Year Of Blogging

In a blink of an eye, the 53rd birthday of Singapore has came to an end, and so does our public holiday rest. It is already the weekend after our rest. And in time soon, really soon, I will be conscripted to the National Service and it will be my time to serve the nation. While I can still vividly remember about a year ago, I started writing on this little space here. Time truly flies. Do beware as this is probably gonna be a relatively heavy post for the week. Taking a look back, I can still remember...

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My Newly Created SRS Account

To the regular readers of my blog, who might wonder if you’ve read the title wrongly… Yes, you read it right. As much as I’m looking into different financial product, I’m actually too early for any. However, this shouldn’t be a factor, restricting me to venture further into the different tools available in the financial world. With a regular dose of income for the past couple of months, I will be needing another tool to assist me further in this journey. This time round, with the inception of the SRS account. While it will only be temporary, I’m sure...

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