Author: The Turtle Investor

Travel Smart Rewards Problem Fixed

If you’re enrolled in the Travel Smart Rewards programme like me, chances are they would have owed you a truckload of credits due to their system which is experiencing technical difficulties. I have like $50 that is pending payment at the moment. Days ago, I got an email from them! Good news for Travel Smart Rewards. November 2014 payments can now be collected December 2014 onwards payments can be collected latest by 28-Feb-2015 No rush with regards to expiring rewards (by right, 3-months validity) as the email states that transfer period will last for 6 months Go on, collect...

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Google Adsense Payment Receipt 2015

Earnings report from Turtle Investor! Nah. I am not referring to stocks dividend. Sidetrack a little bit here. You can easily check dividend distributions online these days, thus not much point in me posting them here. Also, I have updated my asset allocation page! 19th Jan has come and gone, and I have re-balanced my portfolio easily with the reduction in lot size to 100. Sold off most of my “random collection” of shares too, resulting in my variant of a 3-fund Bogleheads portfolio while sticking to my max. 10% stock picking rule which currently consists of REITs. Google Adsense Sadly,...

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Index Funds : A Tale Of Two Companies

Yeehaw! I scored a copy of The Global Expatriate’s Guide To Investing for free! Remember the Andrew Hallam’s book launch I was talking about? I attended it, and enjoyed the event very much. No one actually tried to sell anything. At all. Not even Andrew himself! He simply shared investing information with the 30-pax or so audience and answered questions that we threw at him. Got quite a bit out of the event, in fact. No doubt, the charismatic Andrew Hallam was the main draw. Interestingly, I had nice chats with fee-based (instead of commission-based) advisers, Jarrad Brown and...

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Millionaire Teacher Andrew Hallam Book Launch 2015

A quick plug here for free tickets to Millionaire Teacher Andrew Hallam’s book launch – The Global Expat’s Guide to Investing – on Wednesday, 21st January 2015. He will be speaking between 6:15pm and 8:30pm at Prudential Tower, Level 23, 30 Cecil Street. You can register for his free talk at Eventbrite. At the time of this post, 36 tickets are still up for grabs. See you there, perhaps? This is an exclusive event for an opportunity to listen to Andrew, and learn from Andrew himself on how to build and manage a low-cost investment portfolio to allow you to reach your...

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Building Permanent Portfolio In Singapore

Investing is a lot like cooking. Following an investment strategy is like having a recipe in your hand. It is just a guide. Adhering 100% to either might not always work for you. At the end of the day, whose money is it in the bank? Yours. Who’s the one that’s gonna eat the food? You are. What’s So Permanent About Permanent Portfolio Designed to do well in all circumstances, Permanent Portfolio first drew my curiosity back in 2013. Dividing asset allocation equally into equities, bonds, gold and cash, by design the Permanent Portfolio is meant to do well...

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Standard Chartered Shutting Down Global Equities Business

Updated 8th January 2015 7:15pm : The wave of sensationalised headlines earlier today painted a bleak but incorrect picture for Standard Chartered equities business. The use of wordings like “all”, “worldwide” and “global” led to a misunderstanding among many, myself included. A more accurate description would be the closure of the “bulk” of their global equities business. Standchart clarified in a later statement that “its retail clients will not be affected from the bank’s closure of its institutional cash equities, equity research and equities capital market (ECM) business. The exit of the institutional equities part will not have an...

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Save Money Before Travelling With Hotel Price Aggregator

Short story time. =) I love to travel. I try to do so at least twice a year, be it short getaways to a beach resort or a gorge-ourselves-silly trip to hospitable Taiwan. Most of the time, accommodation takes up a significant portion of my budget. Interestingly, accommodation is also one aspect of travelling where there is huge savings to be made, if you know where to look. My wife and I have been spending our spare time planning for a trip to Sydney, Australia and we had our eyes on a hotel located just beside Sydney’s Central Railway...

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Nikko AM STI ETF and ABF Singapore Bond Index Fund ETF – Dividend 2015

This is not the first time I have written on this, and it is amazing the number of people who landed on this humble little blog looking for Nikko AM STI ETF dividends or ABF Singapore Bond Index Fund ETF dividends. This stems from the fact that Nikko AM Asia press room doesn’t state the dividends distributions. Not to worry. As a once-newbie investor, I was also at a lost in the beginning before realizing SGX.com is my best friend. Head over to Singapore Exchange, click Company Information, and then Corporate Action. You can then select which ever company or...

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The Devil Is In The Details

Another random post for today. Do you pay enough attention to details in your daily lives? With information overload these days, it is all too easy to overlook things. If something is too good to be true, it probably is. Read The Fine Print So. There is this “offer” floating around on Facebook, with a number of shares and likes. The skeptic in me immediately felt that this little offer couldn’t be so straight forward. Right-click and opened it in incognito mode. Oh, wow. Pay $1 now and get a $35 Top Up on your transport card. Sounds great. Eh, how come...

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Vanguard To Launch New ETF In Hong Kong In 2015

In another Turtle Investor exclusive, some of you would be delighted to know that Vanguard will be launching a new S&P 500 ETF to be listed in Hong Kong in 2015 around the month of June. Slightly disappointed that it isn’t a global index, but we shall look at it as baby steps, huh? With indexes tracking Japan, Asia Ex-Japan, Europe and soon-to-be US, it is only a matter of time before a total US market and a global index tracker pops up. Wait a minute – you don’t have to start Googling right away since you will most likely...

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Establishing Bogleheads 3-Fund Portfolio In Singapore

Since I first posted a pseudo-guide on index investing with Standard Chartered, it has gone to be become the most popular post on this blog. I guess people are interested in content like this and would probably like to see more. With the smaller board lot size of 100 units come 2015 (that’s like in one month’s time), now would be an excellent time to take a look at Singapore Exchange, and what we can do if our goal is to construct a basic, simple, no-frills, Bogleheads 3-fund portfolio. I would be using Standard Chartered Online Trading platform to illustrate...

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‘Tis The Season To be Giving! Hohoho!

Once again, we are nearing the time of the year for the Free Book Giveaway! This year, ONE copy of INVEST LAH! (1st Print) is up for grabs! Invest Lah! The Average Joe’s Guide to Investing It is your one-stop guide to investing, meant to dispel the many myths and mysteries that shroud the stock market. The authors – Ser Jing, Sudhan and Wei Lin – have drawn on the collective wisdom of great money managers, financial writers, and even psychologists to offer a different (or dare we say, better) path for YOU to prudently manage your own investments. Investing is simple,...

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Standard Chartered Online Trading 2015 – Still No Min. Commissions?

Not too sure if Standard Chartered will remain as – to use their own words – “the only bank in town to carry no minimum commissions on share transactions.” With less than two months to go before SGX board lot size is officially reduced from 1,000 to 100, I had asked whether there will be any changes to their fee structure. They called to tell me that their official reply is that as of right now, nothing has been confirmed yet. Let’s keep our fingers crossed, shall...

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Mystery Asset Management Firm

If someone were to offer you the following conditions in return for investing your money with them, would you give a second thought? Sales Charge : 0% Management Fee : 0% Performance Fee : 20% with high water mark Subscription Charge : $2000 (one-off) There is in fact another criteria but I shall not reveal it for now. Any...

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Schwab Intelligent Portfolios – Automated Investment Service

Charles Schwab is the 800-pound gorilla that is going to shake up the software-based investment services dominated by Betterment and Wealthfront, both of which unfortunately are only available in the US as of now. What Charles Schwab is offering – Invest in a portfolio of ETFs that will be automatically rebalanced Fund account with recurring deposits No trading commission No advisory fee No service fee You just pay the normal expense ratios on the underlying ETFs. To an index investor, all you need to do is to select the ETFs you want, sit back, and relax. They will do the...

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