Author: The Turtle Investor

Looking Back At Past Buys

It is easy to make money in a bull market. I’m still safely in the green zone, largely due to beginner’s luck. This year, the STI ETF has mostly raced ahead of REITs, but REITs have been making a sustained climb. In flat markets when the index has tended to moved sideways, dividends from REITs are a welcomed boost to returns. I used to hold a few other REITs, but have since taken the chance to consolidate my holdings when StanChart implemented $10 bucks a trade. See my epic story here. Among the counters I used to hold are...

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Budgeting – A Detailed Look At Where My Money Goes Every Month

When it comes to expense tracking, I can think of no better example than My 15 Hour Work Week and his monthly updates. I know how hard it is, because I do the same. Not only do I track my expenses, I also budget as well. If you hang around for long enough, you would find that there are plenty of other bloggers that do so too. The thing I like most about the blogging community is the aspect of sharing. That’s my favourite part – to be able to read about people of all ages, from different worlds, at different...

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Holiday Villa – Pantai Indah, Bintan Island : Pool Villa

Mrs and I really needed a break to pamper ourselves after a hectic period at work. No better option than getting a good dose of vitamin sea and a pool villa all to ourselves. First things first – my Travel category posts don’t always talk about stuff like best-value-for-money way to do something or check-out-my-ultra-low-budget-trip to some place. I mean, just because I blog about finance-related topics doesn’t mean I can’t indulge in experiences that costs a bit more. Business class flights. Helicopter rides. Maldives resorts. Suites class flights in the near future? All I want to say is that,...

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A Day We Have Now, We Will Never Get Back

I haven’t been blogging for a while, simply because I didn’t feel like it. It is good to have a choice. Recently, I’ve been indulging in some binge watching. I usually don’t watch too much dramas or movies, but this is an exception. And I mean just an episode (or half) a day, and that’s already considered a lot for me. I remember when I was young, my brother and I would be totally engrossed with video games and computer games, and Romance of the Three Kingdoms is one of the series of games we regularly played. Because of...

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Kevin’s Air Miles Starter Pack

After all I have written about my personal project on chasing air miles (90,000 miles in 9 months), it makes sense that I should probably write a little bit on my credit cards setup for this purpose. Air miles are earned on the back of expenditure. There are no two ways about it. What we can do it is optimize the number of miles we can earn. Not saying that this is the best way, but it works well for my lifestyle without having to put in too much effort on a daily basis. To begin with, I have...

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Where Can I Go With 100,000 Miles?

This post should have come a little bit sooner, but as usual, I have my excuses. Work has been dominating my life, to say the least. In October last year, I started my Project Singapore Airlines Suites with nothing more than just 11,285 miles to my name. It would not be an easy task – accumulation of miles is ultimately dependent on expenses. Luckily, my goal is reasonable – tickets for two to Beijing, just to have a quick spin at the Great Wall and perhaps the Summer Palace. I was pleasantly surprised to realize that it took me...

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Robo-Advisors : AutoWealth vs StashAway vs Smartly

The battle of the Singapore digital financial advisory platforms is gathering pace as each day goes by. There are actually various robo-advisors in existence in Singapore, but the majority of them cater to high net worth individuals and aren’t exactly targeted at retail investors. I kept a list of them somewhere but it eludes me somehow. To the best of my knowledge, there are currently three real contenders battling it out for the retail investors market. I collected some information on them for my personal consumption – you might find them useful for a quick comparison. Huge disclaimer to...

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How To Surrender Your AIA Prime Life Special Policy

Remember that I wrote about surrendering my AIA Prime Life Special policy last year in August? This is a follow up post on that. Quick and easy, I promise! Let’s go back in time for twenty years, and it would be the year 1997. Ignore the glaring red words and focus somewhere near 1997, and it isn’t difficult to note the peak there and then. With 72% allocation in fixed income, it is needless to say that the projections made back then would be pretty tough to achieve. Especially with the prolonged low interest rate environment. Well, it is...

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How To Surrender Your AIA Prime Life Special Policy

Remember that I wrote about surrendering my AIA Prime Life Special policy last year in August? This is a follow up post on that. Quick and easy, I promise! Let’s go back in time for twenty years, and it would be the year 1997. Ignore the glaring red words and focus somewhere near 1997, and it isn’t difficult to note the peak there and then. With 72% allocation in fixed income, it is needless to say that the projections made back then would be pretty tough to achieve. Especially with the prolonged low interest rate environment. Well, it is...

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Unlike Misa Travel, Some Agents Can Prosper!

The recent collapse of Misa Travel has been a nightmare for those who have made bookings with them. The “lucky” ones would have bought travel insurance, which would have covered the cost incurred. Those who paid for their trips via credit cards could probably invoke the credit card charge-back feature to recover their money. Still, the inconvenience as a result of this would still piss many people off. If I were in their shoes, I would wreck havoc. OTAs Are Cheaper? The sweeping statements people make tend to gravitate towards “why would people use brick-and-mortar travel agents when online...

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StashAway Robo-Advisor : You Want To Know More?

Writing on this blog has continued to amaze me in terms of giving me the opportunity to interact with people who building products that are giving everyone the access to affordable and good investment services. Just a short while ago, I wrote a series of blog posts that shone the spotlight on StashAway, a soon-to-be-launched robo-advisor that is barely a year old – and it has moved at lightning speed. Both interest and questions on StashAway have been mounting fast and furious. Both myself and the folks at StashAway have noticed that some of these questions can be fairly technical in nature, and obviously...

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TURTLE INVESTOR 2016 GIVEAWAY WINNER

A short post to congratulate the winner of the Turtle Investor 2016 Annual Giveaway. I know, it took a while to get this out considering it is already at the end of May. You have noooo idea how hard it was to find someone to respond to my email. As I have always said, all subscribers are forever eligible for the Annual Turtle Investor Giveaway contest. But you would first have to, you know. Reply. My. Email. Anyway. I had used a random number generator and slapped it on the entire email subscriber list which contains ‘live’ subscribers all the...

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Would You Invest $250,000 (Or More) Without Doing Homework?

OK – using the word “investing” might not be the most appropriate. With each successive BTO, the papers would go on and on about how certain popular estates are heavily over-subscribed. Heh. Ever wondered what kind of homework did those couples do before deciding on that $250K (or $500K) HDB apartment? I know of some who don’t even bother to physically check out the neighbourhood. I live in Punggol, which is why I’m particularly interested in what’s in store for my neighbourhood and how it would potentially affect the resale prices of HDB apartments in my area. So, how...

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Robo-Advisor StashAway Gets S$3-Million Funding

Things are really heating up in the robo-advisor scene in Singapore lately. Just three weeks ago, I mentioned that StashAway had received in-principle approval for our retail fund management license. Today, the team behind StashAway was excited to inform me that StashAway had confirmed that it had secured S$3-million for its pre-series A round. The proceeds from the round, which will close this week, will fulfil MAS’s regulatory capital requirements of S$1-million for StashAway’s retail fund management license (guess I learnt something new today), as well as go towards launching the investment service in Singapore, continually innovating the platform, and...

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What If You Don’t Wake Up Tomorrow?

This blog has always been in a constant state of change. When I first started it, it was intended for myself to keep track of all the index investing resources I encountered and understood, as well as to make sense of it all. Figured I’ll keep everything on a blog since many people would be looking for the exact information like myself. Index investing was far newer and rarer a few years back. People started coming, reading, asking, and sharing. One thing led to another, and I discovered many other Singapore-based finance blogs. Even better, I learnt a great...

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