I Started A Tiny Portfolio For My Wife

Recently, over the New Year, the strangest thing happened to me. My wife asked me to help her with investing her money. Which is the equivalent of snowing in June! Yes, I blog about personal finance and index investing. And no, I have never, ever bugged her about investing her money. The only thing that I “enforced” was for both of us to have integrated H&S MediShield plans with the … [Read more...]

Grabbing Hold Of The Winds Of Change

Hey, what happened to my annual review and/or new year resolutions post? Nah, I believe that change can happen whenever we want as long as our will is strong. I made Christmas resolutions haha! Which includes the usual – eat better, sleep better, and exercise better. Wear less contact lens. And unsubscribe to useless emails. Along the way, mr-stingy and Heartland Boy were kind enough to think … [Read more...]

Turtle Investor 4th Annual Giveaway Ends In Less Than 2 Days


FYI – the Turtle Investor Annual Giveaway 2016 is ending in a little over 30 hours! All you need to do is to subscribe to my blog (scroll down to end of the post) to be eligible for this and all future giveaways 🙂 If you’re already a subscriber, you don’t even have to lift a finger. The current subscriber count as of today is 674 which means the chance of winning is about 0.14% but hey, you never … [Read more...]

Blogging Income 2016

If $$$ numbers are what you’re interested in, let’s dive straight into it first. Ad Networks – Google Adsense : S$59.61 – Monumetric : US$463.46 Affiliates – Travel Smart Rewards : $68.00 – RedMart : S$280.00 – Airbnb : S$91.00 Others – Sponsored Post : S$90.79 Grand Total – Singapore Dollars : $589.40 – US Dollars : $463.46 Ad Networks If you’re thinking that you need … [Read more...]

Learning From A Toilet Roll Holder


In the past, life was simpler. So was design. Each restroom cubicle has one toilet roll holder which holds a single toilet roll. Not sure if any of you have noticed the restroom janitors rolling two partially used toilet rolls together to form a single, toilet roll, after which they will use it to replenish the toilet roll holder. This was their way of not ending up with endless partially used … [Read more...]

Turtle Tip : How To Pay Only $18 Per Trade


Boy : “You mean you didn’t know?”Girl : … Yes, it was one of those days when a normal conversation erupted into a WTF moment. Luckily, not at my expense though. StanChart’s implementation of the $10 minimum commission has come and gone by. Excluding the StanChart option, retail investors generally (but not always) pay $25 in brokerage fee per trade. But, you don’t have to. I thought it was an open … [Read more...]

A Taste Of Singaporean Healthcare And How Much It Cost


A few days ago, I had a minor operation done at Day Surgery Centre at the Khoo Teck Puat Hospital. Usually, it is good news if we don’t have to experience the healthcare system of our country. It was my first taste of the Singaporean healthcare system. For the benefit of all, I will provide a quick walk-through on the process. To get a referral to the hospital for my minor problem, I first … [Read more...]

Turtle Perspective – Terrex Twist

If there is a single most important thing that blogging has taught me, it is about perspective. Different people have different perspectives. Different parties have different perspectives. Even if you don’t blog, there are many friendly bloggers who constantly share their experiences and lessons. Dig beneath the surface just a little and you will easily hit gold. With the lack of complete … [Read more...]

Going To Maldives – Part 3 of 3 (End)

Our generation is a rather unique bunch of people. We are the people who pay to leave home. Just to experience things. Like a sunrise, for example. Not exactly sure when did this need or desire to travel started becoming the norm. Is it because people truly want to explore the world? Or is it because people want to escape from the world? Anyway, as promised I’ll be covering a few remaining … [Read more...]

Going To Maldives – Part 2

Weekend is coming, and it’s a great time to dream of that getaway. I like to tell long stories, so you’ll have to bear with me here 🙂 But hey, by Singaporean, for Singaporeans! You’ve got to admit that such stuff in local context are harder to come by. Travel Agents and Maldives Even with the proliferation of the internet, travel agents remain an integral part of Maldivian tourism. It’s all … [Read more...]

Going To Maldives – Part 1

General travel and money-saving tips work for most situations. The Maldives, however, is a different ball game altogether. Think of it as the intermediate level. Face it. You’re a carrot, like it or not. You WILL get chopped. It is only a matter of how much you get chopped, that is, if you decide to head to the Maldives. Fret not! The exclusive playground of the ultra-luxurious, it need not … [Read more...]

Frasers REIT ETF – Thinking Out Of The Box


I apologise if I have misled you into thinking that there really exists a Fraser REIT ETF. More of a pseudo-REIT ETF, if you ask me. Got meh? Why not think out of the box? Yes, the sharp-eyed you noticed it in my portfolio tracker post. It just meant I had it at some point in time. If you look at the structure of Frasers Centrepoint Limited, they are the sponsor of : Frasers Centrepoint … [Read more...]

Buy Low, Sell High – Index Investor Agrees

For background inspiration of this blog post, see this – Everything You Ever Need To Know About Investing. Which is a rather appropriate, clicky-baity blog post title, if you ask me! I might have written something like .. Decades Of Investing And He Finally Understands One Thing! Not bad huh? 😉 Bonus blog post – Buy High Sell Low, Not Buy Low Sell High (BULLy the BEAR) You might think that … [Read more...]

New Isn’t Always Better


As the end of my 9th in-camp-training nears, it has been more than 15 years since I’ve enlisted during my NSF time. Lots of changes have taken place since then. Army camps. Assault rifles. Cookhouse food. There is, however, one thing that hasn’t changed for me. My old, trusty, leather combat boots. Besides being a bitch in the beginning when the leather is so damn tough, once you’ve seasoned it … [Read more...]

Portfolio Trackers I Use

A quick post to answer an occasional question that I get – what portfolio tracker am I using? Everyone has different preferences and different requirements, and I’m not going to get into the dirty details and rather, I’ll just simply sharing what I’m using and what I like about it. Financial Times – International & SGX A portfolio tracker I’ve been using for quite a few years that seemed … [Read more...]

Useful Tips For Air Miles Credit Cards

My battle plan for the Project Singapore Airlines Suites is moving along pretty smoothly. Seems like I’m not the only one that’s playing this little game! Please feel free to share tips and good deals if you come across any. I think that this would be a fun little project, especially with year end approaching and that’s typically when my expenditure goes up a fair bit. Great for clocking those … [Read more...]

What Has Index Investing Got To Do With AK-47?

Nononoooo – not related to THAT AK. Indulge me if you are bored and have a few minutes to spare because I’m inspired by my current erm, annual obligations. I think I figured out why I disliked so many aspects of being a man in green. We Are The Lowest Denominator By nature, such an organization is enormous, and consists of men and women of varying calibre. Whether they are there by choice or … [Read more...]

Philip REIT ETF – What I Forgot To Say

The full name of the new REIT ETF is actually Phillip SGX APAC Dividend Leaders REIT ETF. From the official website, it states that it “seeks to provide a high level of income and moderate long-term capital appreciation by tracking the investment results of 30 publicly traded equity REITs in the Asia Pacific ex-Japan region.” What makes it somewhat special is that “the ETF follows a smart beta … [Read more...]

Get 10,270 Miles Easily With KrisFlyer Amex Card


New to the whole KrisFlyer miles game? Great news for you. Decent offers are hard to come by but hey, if you’re just starting out this will give you some bonus miles for a start. 10,270 KrisFlyer miles to be exact. Almost enough to fly you to Bangkok! Find out how below. American Express Singapore Airlines KrisFlyer Credit Card Here’s how it works. Really simple with low requirements … [Read more...]

Phillip REIT ETF – One Thing People Aren’t Saying


I’ll keep this post short! A REIT ETF such as Phillip SGX APAC Dividend Leaders REIT ETF is a great tool to have at our disposal and I have been waiting for ages for one. It would fit in nicely if you’re trying to construct a portfolio like Rick Ferri’s Core Four, for example. Portfolio Charts is a website that I really like, by the way. Taxation I’ve been waiting for someone to mention … [Read more...]