Author: The Turtle Investor

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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My AutoWealth Experience : The Best Robo-Advisor For Index Investors?

Howdy! I might have mentioned before that I’m taking the first year to evaluate all three retail robo-advisors that we have in Singapore. They are what I affectionately call the Singaporean ASS – AutoWealth, Smartly and StashAway. Jokes aside, I recently opened my AutoWealth account after attending one of their workshops to find out more about them. Well, I learnt quite a few things along the way. I figured you would be interested in them! License Type AutoWealth has a Financial Advisers License (FA100064-1) whereas StashAway holds a Capital Markets Services License (CMS100604-1). I think Smartly is simply the technology...

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131,308 Miles Later – My Air Miles Project 1-Year Anniversary

It wasn’t that long that that I embarked on my Project Singapore Airlines Suites. See my project progress here and subsequent posts here, here, here and here. True that it is impossible for an average Joe to achieve the magical 1-million miles in the span of one year, but what I did managed to achieve was a fraction of that – a mere 10% of it at 100,000 miles. Starting with my original goal, the lowest hanging fruit is a pair of one-way Suites Class tickets to Beijing for my Great Wall of China bucket list item. There was a minor hiccup...

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Just Do This One Thing For Retirement Planning

Firstly, I’d like to say that the below is something that I believe in very strongly. Retirement plans seems like a big and complex subject. If I can reduce it to the irreducible minimum, it means this – that when you retire, you must have three things. You must have a fully paid house. You must have a good medical expense insurance. And of course, you must have a lifelong stream of income. At its most basic level, you must have these three things. And the good news is, our CPF takes care of all these three things, right? Because your CPF...

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Nurse Your Stock Market Woes With Google Play Books & Steam Games Freebies

Everybody loves a good deal. Especially when there are freebies! Get S$5 off your purchase on Steam with PayPal Limited coupons available so I don’t know it any is left. Try your luck? Exclusively for PayPal users, from now up till 30th Sep. Sign up and checkout with PayPal at the Steam Store to enjoy S$5 off on gaming titles. Just happened that a game I shortlisted was on sale at exactly $5 so I “bought” it for free 🙂   Get $7 off Google Play books that costs $7 or more Thich Nhat Hanh is an author that...

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ComfortDelgro vs Grab : The Pain Will Continue

Disclaimer : I’m not invested in ComfortDelGro. I’m just interested in the changing landscape! The share price of ComfortDelGro has fallen a fair bit in recent days on the back of negative news, one after another. I’m not interested in getting in, though. Many blog posts discuss the business of ComfortDelGro – the taxi segment, in particular, because it is the one that’s in trouble. Just wanted to throw out some observations I’ve made along the way, so that we can look at the situation from the perspective of one of ComfortDelGro’s main rival in the taxi business – Grab. I...

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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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