Author: The Turtle Investor

7 Types Of Accommodation In Taiwan For All Budgets And Seasons

Not too sure where is the fun in blogging about vacations when the focus is on how much one has saved or spent. I’m not the type who enjoys blogging about how much I saved on my trip or how little my overseas holiday cost. I’m also not the ‘You Only Live Once’ (YOLO) type, either. Yes, I do enjoy finding good value for the money I’m spending, though. Stuff like helicopter rides, best hotel in the world and business class flights? Yeah, that’s right up my alley. Today, let’s talk a little bit about Taiwan. It is a common destination...

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Turtle Investor 5th Annual Giveaway – Join Now!

Alright, I messed up. Last year was supposed to be the 5th Annual Giveaway but I was too pre-occupied with stuff and I skipped it. To make up for up, I’m going to have not one but two free books up for grabs this time round. Take it as a little giving back to you guys and ladies who come back to this blog, time after time. Retire Smart, Lorna Tan Side Hustle, Chris Guillebeau      Annual Giveaway Contest Ends Soon – How Long More To Go? As always, I’ll grab a list of all subscribers as of 31st...

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Play-Money : How Does The Non-Indexing Portion Of My Portfolio Looks Like?

Writing on this blog is fun! I don’t preach, but I share what I’m doing – from CPF (Milestone For Myself As A 35-Year-Old), HDB (Choosing A Longer HDB Loan) to investments (Index Investing In Singapore 2018). Come 24th December 2012, I would have blogged for 6 years – first on Blogger, and later on WordPress till today. Not necessarily popular opinions, but I’m happy with the choices I’ve made and know the reasons behind my decisions. And this is what blogging is all about 🙂 I started writing because of Index Investing (after reading The Millionaire Teacher on...

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CPF News – $57,200 Basic Healthcare Sum For 2019

The Basic Healthcare Sum (BHS) is the estimated savings required for basic subsidised healthcare needs in old age. The BHS is adjusted yearly for members below age 65 to keep pace with the growth in MediSave withdrawals.  Once members reach age 65, their BHS will be fixed for the rest of their lives. Read : Official CPF Article For 2019 BHS Here For 2019, the amount has increased by 4.95% from $54,500 to $57,200. So my projection of $57,000 was off by $200, but not to worry, everything is cool. It is simply an estimation and I’m already expecting a number...

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AutoWealth 3rd Anniversary Celebration @ HRVST

AutoWealth had its 3rd anniversary celebration at HRVST yesterday birthday, and yours truly was lucky enough to be invited to grace their event – as their client, obviously 🙂 Gotten myself a cool door-gift from AutoWealth. Hmm. A passport HODLer, it seems to be a timely reminder for clients who invested via robo-advisors, perhaps? Hidden meaning LOL. I attended alone despite being able to bring along a guest (didn’t manage to find someone who is free haha), which often made it easier to strike conversations with random strangers who attend such events by themselves as well. Really enjoyed the...

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Robo-Advisor Rebalanced My Portfolio

Disclaimer – this post does NOT (haha) contain affiliate links, but it can redirect you to my other blog posts that may contain them. What have you done during the recent market conditions? Transacted some, or done absolutely nothing? In an emotionless environment, the drop in US market would have been likely to be significant enough to trigger the rebalancing threshold for a robo-advisor. My robo-advisor did just that. To highlight one point, just because your robo-advisor hasn’t done anything doesn’t mean it is bad or lousy. It also largely depends on your portfolio composition as well as your...

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Crash v2.0

A feeling of deja vu. I didn’t expect history so quickly, just eight months later. Rather than write something again, read this for my post in February 2018. Robo-advisors ain’t a sprint. It’s a marathon. Don’t start, and don’t sign up if you’re not going to hold for ten or fifteen years. The same goes for index investing. It ain’t the holiday grail, but having resilient components allow me to sleep well at night. Market has been pretty volatile lately. No idea where this picture originated from but I thought it is an interesting share. Sometimes, the market is just being...

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A Decade-Old Watch

By most people’s standard, my watch is pretty old. At least a decade, by my own estimation. It is a Fossil (it’s the brand, I don’t mean it literally :p) given to me by my then-girlfriend, and my now-wife. We had just started work after graduation. The piece of metal has one hour-hand, one minute-hand and one second-hand. It tells the time, nothing more, nothing less. There isn’t a function to tell the day of the week or the date, either. No light. No nothing – you get the idea. It used to look pristine but has added quite a...

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Using My MediSave For My Dad’s Medication

My dad has a chronic heart condition that requires regular health screenings and medication. Needless to say, health-care costs can add up quickly over the course of the year which can deplete the amount of MediSave he can use in a single year. Every six months, he makes a trip to the heart centre and gets a re-supply of medication. Pretty obvious from the invoice that Rivaroxaban is the killer here. With no subsidy, it is a whopping $492 bucks. Rivaroxaban, sold under the brand name Xarelto, among others, is an oral anticoagulant medication (blood thinner). It is commonly used to...

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Overdue Blog Income Report And Annual Giveaway 2018

Oops – a little late it seems. Been a while since my last update for blogging income huh? I decided to change the focus of my blog in terms of being a driver for side income. As you can see, the frequency of my blog posts has drastically scaled down last year. Busy investing my human capital into earning more income. Coupled with the fact that referral schemes do tend to wane in effectiveness as market share increases, it makes sense to think about making the best out of what I enjoy doing. I love the freedom to write...

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The Arrow

A popular topic trending in the blogosphere lately is the story of the farmer, monk and the warrior. I had a couple of ideas and was tempted to pitch in, but thought otherwise. Perhaps another post for another time. I would definitely like to see myself as having monk AND warrior traits, though. I’m listed as a Buddhist on my pink IC, but othewise I’m actually pretty open to the ideas of various religions. Nevertheless, I’ve gravitated (somewhat) to Buddhism as an adult. I am also a fan of the mindfulness movement and is a reader of the works of Thich...

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The Arrow

A popular topic trending in the blogosphere lately is the story of the farmer, monk and the warrior. I had a couple of ideas and was tempted to pitch in, but thought otherwise. Perhaps another post for another time. I would definitely like to see myself as having monk AND warrior traits, though. I’m listed as a Buddhist on my pink IC, but othewise I’m actually pretty open to the ideas of various religions. Nevertheless, I’ve gravitated (somewhat) to Buddhism as an adult. I am also a fan of the mindfulness movement and is a reader of the works of Thich...

Read More

Index Investing In Singapore (2018)

For index investors, we have come a long way since 2013. Fortunately, the tools available to us have changed dramatically over the years! I wrote about it last year, and this is a quick recap. More tools, while providing more options, also means that it is going to be slightly more complicated for the novice investor. How has it changed the way I invest? Index Investing is boring, and there isn’t really much of any new materials to write about. What I wanted to blog about is really the idea of an asset allocation approach of looking at our portfolio. When...

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Index Investing In Singapore (2018)

For index investors, we have come a long way since 2013. Fortunately, the tools available to us have changed dramatically over the years! I wrote about it last year, and this is a quick recap. More tools, while providing more options, also means that it is going to be slightly more complicated for the novice investor. How has it changed the way I invest? Index Investing is boring, and there isn’t really much of any new materials to write about. What I wanted to blog about is really the idea of an asset allocation approach of looking at our portfolio. When...

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Fortress of F**king Solitude

Inspiration in the least likely of places. I was just chilling at home watching Netflix (that’s my idea of relaxation :P) and I chanced upon a movie titled “The Gambler”. The film featured Mark Wahlberg and Brie Larson (upcoming Captain Marvel!) but the real star of the show was John Goodman for me. As a loanshark, he had this to say to Wahlberg in one scene – which is pretty sound advice, considering his .. erm, occupation. Gambler (G) : I’ve been up two and a half million dollars. Loanshark (L) : What do you got on you? G...

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