Author: The Turtle Investor

CPF and 4-Room HDB – My True Story

Election season has kicked into high gear with many “hot-potato” topics such as housing (HDB) and of course CPF taking centre stage. My stand is that I don’t blindly support any party in particular. May the best (wo)man/(wo)men win. Okay, moving on. I thought that now would be a perfect time of sharing my experience with issues close to many people’s hearts – HDB and CPF. A personal story would perhaps resonate very strongly with you. I, for one, loves a personal story and these days, I find myself enjoying non-finance posts from bloggers more and more. Weird huh? In The...

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The Stock Market Sale – One Man’s Perspective

I confess. I don’t follow the market every single day, even though I do try to read regularly and keep myself updated out of interest in general finance matters. I had intended to make a blog post earlier but my 7-year-old computer died on me, so I had to get a replacement built at Sim Lim Square. Blew more than $1K on it (yes, I still do casual gaming) but nothing to be worried about as I had budgeted the money for it way earlier. Caught By Surprise Anyway, imagine my surprise when I logged in to my portfolio tracker...

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Arrival Of Automated Investing In Singapore

DrWealth has been keeping their cards close to their chest with little details on what to expect from their newest offering – an automated investing service. Automated investment service is certainly not a new concept of idea and has plenty of interest, primarily in the United States with established players such as Betterment and Wealthfront managing funds in excess of US$1 billion. What features is DrWealth touting? Build an automated, intelligent and diversified portfolio with low fees Worldwide diversification via ETFs Seamless trade execution by trusted partners Customised investment plan Automatic portfolio rebalancing Take your portfolio with you everywhere Sounds like a...

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Bloggers For Charity

The current financial bloggers community in Singapore has a generally good vibe and dare I say, a relatively good reputation as a whole. Yes, we are evolving as we speak. Sure, we may not always agree with each other, we may have different investment strategies, and some of us may even playfully “poke” one another from time to time. This does not mean we do not take the opportunity to learn from others and understand their point of view. Is it because many of us have *ahem* nobler *cough* intentions when we started writing? Are our similarly aligned goals...

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Chill At Index Investing Facebook Group

This was really more of a random thought that came across my mind – so I did it on impulse! With all the comments (up to 20s, 30s and even 50s per post) and emails that I’ve been receiving, I figured some of you might like to join a group or something to continue the chat and discussion on Index Investing. What I wanted to do is to have a cozy place for more casual and social interactions, as I understand some of you lovely folks might prefer to ask questions and clear your doubts in a smaller group environment....

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Google Adsense Payment Proof 2015

Ever wished you could have an income stream that runs on auto-pilot (think Google self-driving vehicle) and all you needed to do is to collect the money? Me too! Too bad – a blog doesn’t exactly fit the bill. Sorry to burst your dream. In this obscure category of blog posts tagged under “alternative income”, payment proofs continue to attract the most interest. Below is what you’re looking for. Always nice to receive this mail, whether it is physical or virtual, from Google. For Would-Be Bloggers If you have doubts, once again, let me say that Google Adsense is perfectly,...

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Standard Chartered e$aver Account S$5 Fall-Below Fee From 28-Aug-2015

Public Service Announcement – Starting 28th August 2015, Standard Chartered Bank is going to charge a new fall-below fee of S$5 monthly for e$aver Account if the minimum average daily balance is below S$1,000. It isn’t on their official website yet but I’ve just received their letter. Note : there is currently no fees being charged. A perfect example of changing the rules of the game. Does anyone remember OCBC 360? As always, change is the one thing that is constant. Many of us who uses their online trading platform might be affected by it – myself included. No choice but...

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Pre-NDP Special : Read Books For Free!

Ever wanted to read the must-haves of investing world but balked at the cost of the books? A quick post here just for you guys. With new media and new business models, the world is filled with fantastic deals – all we have to do it is to find them, and make use of them. Today, let’s take a look at Scribd – more simply known as the Netflix for books. Basically, it is a monthly subscription buffet service for books instead of videos. With a typical free-trial of 14-days, many might feel that it is too short. What...

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The Best US$60 I Have Ever Spent : A Personal Budgeting Software That Works

If someone were to ask me to summarize what I know about personal finance into a few simple points, perhaps this is how I would do it. In my simple world, there is basically golden triangle of three parts, each aspect of equal importance. Start Budgeting Insure Yourself Save & Invest When the question is posed to me on how to optimize saving or investing, my answer usually draws a blank face. “Huh? Budgeting? What’s the link?” As the cliche saying goes, “If you fail to plan, you plan to fail”. Budgeting comes first for me due to a variety...

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Much To Love About 2015 – Mid Year Review

A time for reflection at the halfway mark of 2015. What a ride it has been! Blogging has started from, and continued to be a product of passion and interest. Time and again, I have been amazed by the generosity, heartened by the comments, and intrigued by the questions I have received on this humble blog. Starting Out & Getting Here With no formal training in finance (which applies to most of us, I guess), all I had was Google and an inquisitive mind. I always say that I don’t teach people what to do here. What I can...

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Behind The Numbers Are Real People With Ruined Lives

What a week it has been, and it isn’t even Friday yet. I could have given his post a sensational headline just to bait a couple more page views, but I felt that the focus should be something else that matters more. Beyond opportunities, stock prices and numbers, what’s real? Greek Tragedy Even before the stock markets opened on Monday, I was expecting a sea of red to flood the screens. I wasn’t the only one. Greek banks were basically KAPUT, and there is simply nothing the Greeks could do about it. Many are simply resigned to their fate....

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A Book Holds A House Of Gold

I didn’t used to like reading. For some reason, I never enjoyed it when I was younger, and I dreaded those darn holiday assignments where you had to read a book or two and give book reviews. Things changed when I enlisted. During one of those overseas deployments, I brought along with me a copy of Tom Clancy’s novel and it was like being re-acquainted with an old friend. The rest was history. During my pak-tor days, I would send my girlfriend (now my wife) home after dates, and the trip back to my own place via public transport would...

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A Few Words on The Singapore Permanent Portfolio By Alvin Chow

Intro To Permanent Portfolio Permanent Portfolio is a portfolio construction theory devised by free-market investment analyst Harry Browne in the 1980s. Browne constructed what he called the permanent portfolio, which he believed would be a safe and profitable portfolio in any economic climate. Harry Browne argued that the portfolio mix would be profitable in all types of economic situations – 1. Growth stocks would prosper in expansionary markets 2. Precious metals in inflationary markets 3. Bonds in recessions 4. T-bills in depressions Browne eventually created what was called the Permanent Portfolio Fund, with an asset mix similar to his theoretical...

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Imperfect Market Is (Maybe) Good For You & Me?

Light-hearted Sunday post (really, trust me), the post is more interesting that the title and maybe you can pick up a tidbit for awesome savings. Seemed like many of you have enjoyed the previous time-hack post. Thought I’ll follow up with a money-hack post this time. Economics was one of the subjects that I took while I was in school. Needless to say, I couldn’t quite appreciate the topic as much as I could now. As I move through different phases in life, many times I get the “Aha!” moment as I suddenly made the (hopefully positive) connection between...

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Finding Time

Always too busy to do the things that really matters? 24-hours isn’t enough? Fret not! Time-hacks are what I refer to as little tips or tricks that can potentially give tremendous time savings. Through these little tidbits, you’ll find yourself with that extra couple of minutes! Credit Cards Use Credit card penetration rate is incredibly high in Singapore, and I have always been the one benefiting from credit cards (perks, rebates, freebies, etc) and not the other way round (credit cards earn from me). Once in a while, we would be overwhelmed by our busy lives and forget to...

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