Author: The Turtle Investor

Life’s But A Walking Shadow

Depressed by the stock market? Excited by the stock market? I shall not add oil to fire but there are bound to be people on both sides of the fence. Like I once said, these are real people holding on to real portfolios. Real money and real lives at stake. Some will benefit greatly from this bear, and some will get burnt badly. How about some turtle talk i.e. random ramblings to distract your mind? Warning : Ip Man 3 Spoilers Ip Man 3 / 叶问(三) I just caught Ip Man 3 over the weekend (avoided the crowd – phew)...

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Do You Prefer Lush Greenery Or The Red Sea?

During times of market volatility, I always notice an influx of visitors looking for a safe harbour or the mythical holy grail to investment safety. Search terms from blog analytics are so fun sometimes! Index investing may or may not be what you are looking for. Indeed, I have written a fair bit on index investing – – but I have also touched on some of its potential pitfalls. Inspired by a recent comment-fest over at Singapore Man Of Leisure, I wanted to pen a quick post on some of the obvious considerations that have been pointed in the discussion. I may or may...

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Turtle Talk : Investing My First $20,000

Many moons ago, a harmless looking article got published in The Sunday Times. However, the content is hardly what I would consider as sound advice for the average Joes. $20,000 is not a small sum of money to be squandered away for a novice investor, and advocating unit trusts as the instrument of choice for investments is simply mind-boggling. A collective effort by more than a dozen of us resulted in this little gem of an eBook. Kudos to Alvin of Big Fat Purse for initiating this project. Trying to condense thousands of words into a single, coherent article without...

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Looking Back At 2015

I guess this is going to be my last post for the year! 2015 has been a pretty good to me. The year end review seemed like it was done more for the benefit of myself, actually. I’m a silent reader of many blogs, and I have found that I’ve enjoyed the year-end reviews and gotten to know a lot more about the people behind the words. Perhaps you can treat this as a get-to-know-me session then? *laughs* The format of the review is partly inspired by a sharing session by Providend called “Finishing Well”. This is very much...

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ShopBack Cash Rebate Payment Proof

It has been a long time since I’ve last done a payment proof post. Been kind of busy lazy recently to try out new things, I guess. ShopBack is a cash rebate website that I have previously covered in this blog post. Shortly after I have requested my cash payout, I was paid promptly. This is definitely a legit scheme and I will continue to use it for days and months to come. Summary [Category] Cash Rebates [Payment Type] Cash [Payment Mode] Direct Bank Account Credit [Date of Payment] 27th Mar 2014 Payment Proof I have blanked out all identity...

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ABF Singapore Bond Index Fund – Dividend 2016

Not exactly sure why Nikko AM is very stingy, as usual, with news regarding their funds. Thus, like what I did last year, I’ll do a public service announcement and “release” their dividends here to help people get hold of this information. As usual, SGX is one of the best source of definite dividends information and I’ll re-post it here. For your information, the dividends for ABF Singapore Bond Index Fund for 2015 was S$0.0305. ABF Singapore Bond Index Fund ETF – 2016 Ex-Date : 04 Jan 2016 Record Date : 06 Jan 2016 Date Paid/Payable : 15 Jan 2016...

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AWS : Gone In 600 Seconds

The end of the year is very often the equivalent of the receiving of AWS for “perm-staff”, which many also know as annual wage supplement or year end bonus. KECHING time! I was having a casual chat with a colleague of mine over lunch this week when he remarked – “Hey have you checked your bank account yesterday?” “Hmm? What for?” I guess I wasn’t one of those who was very anxiously waiting for AWS to be banked into my account. He, on the other hand, had just bought a new car. Hmm. Gone In 600 Seconds That night, I took...

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Harnessing The Most Valuable Commodity

You might find it hard to believe that something as intangible as information would rank as the most valuable commodity in the world to me. After time, that is. No time to read through the entire post? Scroll to the last section for a quick tip. With the right information at the right time, there are no limits to what can be achieved. Perfect information means the potential for infinite gains and absolute power. To have the ability to acquire and understand information is therefore critical in life. Software Engineers My wife and I were software engineers. As a...

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The Stock Market Is Like A Giant Click Bait

Admit it. We have been “victims” of click baits. What makes them so irresistible? Wikipedia – Click Bait Click Bait is a pejorative term describing web content that is aimed at generating online advertising revenue, especially at the expense of quality or accuracy, relying on sensationalist headlines to attract click-throughs and to encourage forwarding of the material over online social networks. Clickbait headlines typically aim to exploit the “curiosity gap“, providing just enough information to make the reader curious, but not enough to satisfy their curiosity without clicking through to the linked content. Although I’m not a big fan...

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My Net Worth Is Only 5-Figure And I’m OK With It

Just the other day, I had chanced upon by an old article from 2014 by BULLy the BEAR titled “I’ve Zero networth!” which was shared by Kyith of Investment Moats. Both are really talented writers and I regularly read their blogs – check them out if you haven’t done so already! The title of the blog post caught my attention and naturally, I clicked on it. I read through the content and was intrigued enough to leave a comment, not noticing that the article and comments were last dated 1st December 2014 – haha! I had wanted to write a short...

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Card Game Preview With Wongamania

I joined a couple of other table-top gamers for a game preview session for Wongamania : Banana Economy just a few days ago. Out of the blue, I had received an email from the creators of Wongamania, then one thing led to another, and there I was having a relaxing mid-week gaming session. During the gaming session, I had the chance to chat a little bit with Xeo on gaming and he shared a little bit on the the game design aspects such as how and why the international version differed from the local version. Very enlightening indeed! I have...

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101 ETF Investing Tips

In the beginning, it started from a simple email correspondence from the folks at Poseidon Financial who wanted to share their writings – I gladly obliged by sharing it on my Facebook page. Then came yet another article, which I thoroughly enjoyed as well. One of the most unexpected positive outcomes of writing on a blog is the kind of interaction I’ve had with investors not just in Singapore but overseas as well, which really opened my eyes to investing perspectives not just within our sunny shores. Index investing is catching up all over the world. I was learning...

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Giving Week – Paying It Forward

At the end of every year, I make it a point to count my blessings and appreciate what I already have. Putting aside the eventual goal of investing, it is kind of amazing to note that the little things many of us take for granted are really a simple form of luxury. A roof over my head. Clean water. Hot shower. Warm food. Internet. Comfortable bed. Loving wife. Right from the start, when I started writing on this blog, I have been thinking of simple ways to do my part. To pay it forward. In previous years, I’ve usually done...

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Turtle Investor 3rd Annual Giveaway – Join For Free Now!

The month of December is coming, and it is time for the 2015 annual giveaway contest! If you have been visiting my blog regularly, you might have noticed a countdown timer on the top right hand corner of the main page. It is counting down towards 2016! Every year, I will pick a lucky reader from the everyone who has subscribed to the mailing list. Simple as that. In 2013, it was Andrew Hallam’s Millionaire Teacher and in 2014, I have selected Invest Lah! The Average Joe’s Guide to Investing. This year, I have chosen Teh Hooi Ling’s Show Me The Money...

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A Simple Way To Look At Yields Of REITs

Once in a while, a reader or two would stumble upon the fact that I have a tiny portion of my portfolio allocated to Singapore REITs. I usually steer far, far away from the discussion of individual stocks, even when I’m asked about it. Instead, I would prefer to share a little reading material. One of my favourite articles, originally published on The Business Times, that I like to share is written by Teh Hooi Ling, titled “The Pros And Cons Of Rights Issues In REITs”. However, I won’t be touching on rights issues (even though it is a really...

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