Author: The Turtle Investor

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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Turtle Talk – Feb 2018

I just came back from the new polyclinic that is within walking distance from my apartment. Yes, the one I mentioned two years ago. Nice to have such a perk, like finally.   They rushed the polyclinic for opening, though. The rest of the property ain’t functional until later this year. In other news, Punggol Digital District made the news last month which is again, fantastic for properties in the area. For now, I’m sitting tight on my first pot of gold until a really good project comes along. I’m HODL-ing! Polyclinic : 5-mins (walking) distance Mega-childcare (1000-pax) : 5-mins...

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CPF Money That Keeps Growing (2018)

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. P/S : I do not advocate topping up of CPF. No no no. I have never done so in my life. *** Once again, I am back to keep a running update of this series of CPF posts which I’ve started in 2015. I’m definitely considered as being less than optimal when it comes to maximizing my income (I’m an idealist) so there...

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Practical Guide To Pseudo Crypto-Currency Index Investing

Disclaimer : This post contains affiliate links that share a commission with me. There is no additional cost to you. Most of us who dabbled in crypto-currency made money. I did, too. If you have put in your own money into crypto-currencies prior to 2018 and didn’t make money, you’re doing something really, really wrong. I’m not going to talk about how much I’ve made yada-yada yada-yada. This is way too early for this sort of talk. What I would like to talk about it is this. Performing some sort of index investing within the crypto-currency universe. See how the crypto...

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Goodbye 2017, Hello 2018 – What A Year!

Looking back at 2017, it has been an incredible year in so many ways. Lots of development that are very much related to index investing too! Let’s touch on some topics then, shall we? The Rise Of Robo-Advisors This is no doubt the year of Robo-Advisors for Singapore, and they made a huge splash. For retail investors, there is AutoWealth, Smartly and StashAway (in alphabetical order) to choose from. Time will time whether they would be able to sustain themselves and mount serious challenge. Even in the space of a few months, I’m beginning to form my own impressions...

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ABF Singapore Bond Index Fund – Dividend 2018

Annual public service announcement! Dividends for ABF Singapore Bond Index Fund is coming up. SGX is one of the best source of dividends information and I’ll re-post it here, for your convenience especially if you’re holding it. For your information, the dividends for ABF Singapore Bond Index Fund [A35] is/was : 2015 – S$0.0305 2016 – S$0.0265 2017 – S$0.0214 2018 – S$0.0261 (2.23% yield based on 26-Dec-2017 closing price of S$1.171) As I’ve written for last year’s post .. “a diversified bond basket can actually benefit from rising interest rates. Investors might think otherwise because of the mechanics of...

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One Small Step Towards Financial Security – HDB Loan

It is once again the time of the year when I review the good, the bad and the ugly of the year. Pleasantly surprised when I did the maths on my outstanding HDB loan vs my CPF-OA account. The government gave me a nice gift of $3000 in my CPF-OA and $2000 in my CPF-MA for my outstanding contributions towards defending our nation. You might remember my stand on HDB loan if you have read my previous posts. I’m not a big fan of voluntary top-ups and OA-to-SA transfers for reasons of my own. I bought my HDB apartment...

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Wife’s Tiny Portfolio Update – December 2017

I thought it’ll be fun to do a quick post on the tiny portfolio that I’ve created for my wife since a reader asked. (Hi Jaslyn!) For the year 2017, the time-weighted returns (including dividends) as of today is 19.42% when compared to STI at 20.99%. The current portfolio value is $4,320 with profit & dividends of +$724.4 (+18.93%). For the year, I was able to give my wife dividends for all four quarters. Both CapitaLand Mall Trust and Frasers Centrepoint Trust go with a standard four-quarter distribution schedule with payout dates falling in Feb, May, Aug and Nov....

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Index Investing In Singapore – An Update For 2017 And Beyond

The indexing investing landscape has changed a fair bit from four years ago when I started blogging. We have more tools at our disposal now. This means it is much easier to do what I did in the past, and it is also much easier to do MORE. The Early Days In the past, I chose to DIY a BogleHeads 3-fund portfolio partly in consideration of the simplicity in maintaining the asset allocation. I have also mentioned that my deliberate tilt towards Singapore indexes is due to my home bias, and not because I have unwavering faith in our...

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Of Index Investing, Robo-Advisor, Cryptocurrency and More

Haven’t gotten down to writing much lately. Shall take a shortcut and lump it all together here. Smartly Robo-Advisor – What Gives? Things can change really fast. Let’s see. I can’t seem to find the Smartly’s team page anymore on their official website – which led me to presume that some manpower movement might have taken place. Digging at LinkedIn, Kentwell has concurrent new role at AlgoHybrid. Danielle has moved on to the MAS. Artur, CEO of Smartly, is concurrently a partner at Change and even Smartly’s CTO is listed at Change’s team page. I haven’t heard from Keir in a...

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Monaco Pre-Paid Visa Card – A Traveler’s Boon From The Crypto Universe

I have never been an advocate of cryptocurrency. I see it as being more speculation than investment at this point in time. Just go to forums or Reddit for whichever coins you’re interested in and be amused. That’s not to say there is no merit to it, or that one definitely shouldn’t go near it. Ask fundamental questions like, what real-world problem is this cryptocurrency start-up trying to solve that traditional means can’t? Is it simply moving an existing solution to the crypto-universe for the sake of acquiring hot money? Thread carefully. One possible awesome thing to come out...

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Want To Know Which Is The Hottest Robo-Advisor In Singapore?

For start-ups, traction or momentum is very important to keep up the pressure on their rivals. Look no further than the other trinity in the car-for-hire sector in SG (Grab/Uber/Comfort) and you can kind of predict what the robo-advisors are going to face in the near future. Google Keyword planner tool is a nifty little gem that helps you to uncover trends that you cannot detect in the mainstream media. For a start, does the general public even know about your product? From my humble blog’s perspective, I have internet keyword search volume to estimate the ground traction. The...

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