Author: The Turtle Investor

CPF & Me : A 35-Year-Old Milestone

This blog post involves CPF talk. To spare you the agony, if you are not keen on the topic, do not read any further! I have no interest in arguing, convincing, or justifying anyone or anything here. CPF And Its Role Central Provident Fund (CPF) is a compulsory comprehensive savings plan for working Singaporeans and permanent residents primarily to fund their retirement, healthcare, and housing needs. The CPF is an employment-based savings scheme with employers and employees contributing a mandated amount to the Fund. CPF is split into three separate accounts, each with its intended use and purpose. Ordinary...

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Crash.

Funny that nobody seems to hype about crypto anymore, which to me, seems like an excellent time to get in! The market has crashed brutally. Some cryptocurrency coins/tokens are easily 80% or 90% off their all-time high (ATH). Not much bragging rights, now that shit has hit the fan? Were these people investors, or speculators? Do they really have the conviction to hang on? Time will tell. Compelling – Evoking Interest In A Powerfully Irresistible Way This is how I see it. The uglier it gets, the more compelling it is for me to start some serious buying. Imagine...

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SPDR STI ETF Dividend – 2018 (2nd Half)

I know August is the favourite month of many Singaporean investors. Who doesn’t like to lepak (relax) at home and collect money?! It is finally time for the biannual dividend annoucement of SPDR Straits Times Index ETF (ES3). SINGAPORE, 27 July, 2018 — State Street Global Advisors Singapore Limited, manager of the SPDR® Straits Times Index ETF (the “Fund”), today announced the Fund’s dividend distribution of S$0.060 per unit. This dividend distribution comprises S$0.035 per unit made out of Singapore one-tier dividend and other exempt income, and S$0.025 per unit made out of other income. The SPDR® Straits Times Index ETF is an exchange-traded...

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Turtle Fly Business – Taipei To Singapore (SQ879)

If you’re reading this, I can assume that you are at the very least, mildly interested in the area of travel hacking, air miles collection or perhaps luxury travel. Well, you’ve come to the right place! Here is another short piece on my no-bullshit journey on how peasants can travel in luxury. Yes, it is almost impossible for an Average Joe to earn one million miles in a year. For most, they won’t even earn that many miles in a lifetime. On the other hand, 100000 miles per year is definitely doable with a little discipline and patience. And...

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AutoWealth x Stocks Cafe Plus Bonus Charts

Yesterday, I exported my automated AutoWealth transactions and imported them into a newly created “AutoWealth” portfolio in Stocks Cafe – which is an awesome product, by the way, and one that I’m happy to pay for. Stocks Cafe supports SGX, HKEX, KLSE and USX, which is great. This allows me to use it to track my AutoWealth robo-advisor investment. * Yikes, wrong chart previously, so I replaced it with the correct one Red : AutoWealth (1.88%) Orange : STI (-0.67%) I started investing with AutoWealth in October 2017. For almost the entire duration from October 2017 (9 months), the AutoWealth portfolio under-performed...

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Robo Advisor Meets Crypto – Boom!

Well, what can go wrong? Smartly was probably the first on the robo-advisor scene back in 2016, and of course I blogged about it. Got into the beta later in the same year too, but progress was slow. Competition came, and finally everyone was pushed/forced to roll out their product. On one hand, you want to launch as soon as possible to gain first-mover advantage and grab as much market share as you can. On the other hand, you risk exposing the flaws and problems associated with a platform that is not fully tested – which can devastate user...

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Early SQ Suites Class Flight + The Private Room = Possible?

In my earlier posts on playing the miles game, I have illustrated how I have gone from 10,000 miles to 120,000 miles even after the redemption of a pair of business class SQ flights with stopovers, which is effectively four flights. While it is near impossible for an average Joe to accumulate one million miles without using his own credit card for work expenses (that’s not even a travel hack), we can still gather a decent amount of miles if we’re really efficient about cards usage. One topic that I have not yet covered is the ultra-exclusive lounge for...

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Redeeming KrisFlyer Flights + Stopover : A Step-By-Step Guide To Your US$100 Business Class Flight

Introduction The basics? After registering for a KrisFlyer account and religiously using credit cards to earn those precious points, remember to transfer them to your KrisFlyer account before they expire. Some actually don’t expire, which is great. While I haven’t redeemed my Suites Class flights yet, a pair of Business Class would be a nice appetizer. After accumulating miles and deciding on where to spend them, the rest should be easy, right? Maximizing miles? That’s the tough part, but I’m going to make it easy for you with an example. I’ll illustrate what I know as the stopover travel...

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Transport Tycoon Ain’t Easy : Real-Life Edition

When I was younger, I spent many hours playing Transport Tycoon building bus and train stations, growing the size of towns and cities and adding airports etc eventually. Train stations are almost always the first things that I built. In real life, connecting train stations, especially high-speed ones, are especially challenging and costly. Apparently, it seems like the High-Speed Rail (HSR) link between Kuala Lumpur and Singapore has been postponed (not scrapped, yet). Making the right and tough decisions take true grit – even if they may be unpopular decisions. To Dr. M, it may be the best option he has,...

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[Not-So-Frugal Series] Leaving On A Jet Plane

Remember Project Singapore Airlines Suites? Since I have got too many miles to spare (167,819 miles as of May 2018), it’s time to live the high life. YOLO? Yes, the infamous stopover travel hack. Total damage of 27,500 miles and SGD$190.50 per pax incurred. Not too bad actually, considering it is for two business class flights. OO (Passenger Security Service Charge) = $8.00 OP (Aviation Levy) = $6.10 SG (Passenger Service Charge) = $19.90 TW (Airport Service Fee – Intl) = $22.50 Stopover x 1 = $134.00 Will write more about it next time...

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Turtle Talk – What Have I Been Up To?

Lesser updates recently as life has taken over, but you don’t really care anyway, right? 😉 I left for a short retreat with my wife to a remote island to recharge and get in touch with nature. It was a good break – think more, do less. Pool-villa all to ourselves, listening to the waves lapping against the shore, all day long. No TV, no air-conditioning, and limited WIFI. Here is the original photo minus the watercolor-ish feel. There may be detractors, and yes there always will be, but investing with robo-advisor is something I deeply believe in. This...

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AutoWealth Review – Information For Advanced Users (And Something On StashAway)

This is a follow-up post to my earlier post on AutoWealth : My AutoWealth Experience : The Best Robo-Advisor For Index Investors? The interest and response to my earlier review on AutoWealth robo-advisor far exceeded my expectations, which was why I’ve decided to add on a little bit of information to what I’ve shared earlier. SAXO View-Only Client As explained in my previous post, ETFs in my portfolio are kept and held in my own SAXO account as part of my account opening with AutoWealth. AutoWealth simply executes the trades for me. Because it is pretty much a standalone...

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My Net Worth Is “Only” 6-Figure And I’m OK With It

Some time back, I published my first net worth blog post – My Net Worth Is Only 5-Figure And I’m OK With It – and it was a fun exercise. The grand total I came up with back then was S$12,142.20 🙂 Nothing fantastic, but it was a tangible number I was comfortable with. I first started tracking my expenses since March 2013 and have enough data to plot a fairly accurate net worth chart from then till now. Blue bars for assets, red bars for liabilities and the dots for net worth. Assets Just a quick re-cap on what I...

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With Understanding Comes Conviction

Kyith put out a good post on conviction which coincidentally was something that has been on the back of my mind for the past few weeks. What Is Conviction? Conviction (noun) – a firmly held belief or opinion In investment, the conviction that I have is my compass. Kyith put out four points in his blog post on gaining conviction, and yes – it could be a double edged sword. Where does mine come from? To me, conviction comes from understanding. Research and homework, an insanely huge amount of it, to get my doubts addressed. To me, the other three points are...

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Market Crashes & Robo Advisors – What Would I Do?

It seems almost customary for bloggers to do a blog post every time the market is in distress. The “flash dip” over the past two days spooked some investors. The grapevine was that some folks initiated withdrawals from robo-advisors, which caused them enough concern to make Facebook posts and videos. I don’t know how true that is. To me, it is a sad reflection of their thought process, or lack of it, when they decided to invest. Crash Strategy For Robos : Less Than 25% Drop I think it is the first time I’ve written on this. Hypothetically, if the...

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