Author: Value Warrior

Entrepreneurship VS Investing

I have been trying to start something of my own for a while now and I am beginning to see that the journey in Entrepreneurship and Investing is not that different. I came across quite a nice video on how to take your idea to a startup below. [embedded content] Essentially, what it takes to grow your idea to a startup company is to come up with a business model, test it out, tweak/modify/change and repeat until you get traction and grow it into a company. This is not too different from investing where we come up with an...

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Building my bond portfolio

Been busy with work recently as the Oil and Gas industry picks up. Furthermore, I am trying to work on the side to start a business. It another part of my journey towards financial independence. Hopefully things go well and I can share more with you guys soon. Besides working on the above, I am also working to build up my bond portfolio. No, I didn’t buy into the Astrea IV private equity bond or the recently launched Nikko AM SGD Investment Grade Corporate Bond ETF. I am putting my money into something better….I am treating CPF as the...

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Free Insurance for Singaporean?

So how do you get free insurance in Singapore? Well kinda free…. I just maxed out my CPF Medisave account recently at $54500 and this money will be getting 4% per annum risk free interest… Yeah!! This mean I will be getting $2180 yearly from the government…. “FREE”…. Double yeah! The Medishield life insurance premium for my 2 kids and I totals to $1005 per annum. That means that after paying for the insurance premium, there is still have some left over to be transferred to my SA to continue earning interest. Triple yeah! So it pays to stay...

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Crypto Investment update

NOTE: This is not a post about how much money I had made or the insane gains I had gotten from my Crypto investment. If you are looking for success story to give you that extra nudge to start investing in Crypto, THIS IS NOT FOR YOU. Click on this link and go to GMGH blog instead… ????. Ok you have been warned…. So how is my Crypto investment so far? REKT!!!!! I started investing in Crypto late last year around November and only started with a small amount of money. After testing the Crypto water, I decided to...

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My Dividend review

I have setup a target for my passive income about 2 years back. You can find the target that I have set for myself here and this post serves to do a quick health check on the goal. I find it very important to always review your goals periodically so that you don’t lose track of it. At the end of 2017, I have around $90K invested with an average dividend of about 4%. This includes investment in bonds, stocks and crypto. This translated to about $300 a month of passive income which can cover quite a bit of fixed...

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Have you filed your taxes?

Being in the Stocks and Crypto market. I am so glad that capital gain are not taxable in Singapore. Although there is not much gain to speak of seeing the correction and crash happening in the stock and Crypto market recently. Yes I am affected by the current crash……. :( Well on a happier note, I will be getting a $14000 tax relief for this year filling. This is because of the voluntary CPF top up that I did last year. I did a $7000 top up for my Mom Retirement Account and $7000 for my Special Account. To...

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Happy Value New Year

Happy Chinese New Year! Huat Ahhhh!! May the year of the dog bring prosperity to the Stock and Crypto market! I have been super busy with the Chinese New Year preparation and Crypto investment that I am not blogging as much as I would like to. Hopefully I can blog more frequently this year. Anyways, it’s February again!! It has been 2 years since I embarked on the value portfolio and its time to re-balance my portfolio again. So far, the value portfolio has been doing decent and it has consistently outperformed STI index for the last year. So,...

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Double Whammy!

Both the Stocks and crypto market plunges the last week. The stocks market dropped by about 4% while the crypto market dropped about 50%. Both are massive drop in their own sense. There were massive blood on the streets… and some of them were unfortunately mine. So what did i do? I sit tight and buy more of what i think is a bargain. Buy the dip… :)...

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Crypto Investment update

I have started crypto investing a few months ago. You can see the post here on why I started. This year, I have decided to increase my position in the crypto space and had injected more funds at the beginning of the year. Till date my overall returns in about 3 months is about 40%. Pretty good for 3 months I would say. It was way better before but because of the new funds that I have injected, the return was significantly reduced. Let’s hope it gets better in 2018. It seems like I was too slow in this...

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2017 value portfolio review

It has been a crazy year. The stock market is doing well and the crypto market is also doing very very very very well.  Below shows the chart (Courtesy of https://stocks.cafe/) of my value portfolio (blue) vs STI index (orange). You can go to my portfolio to see the value stocks (those that are <3%) that I am holding. I would say the value portfolio is doing quite well at the moment and I am pretty happy with the returns. However, this pales in comparison with the returns I got from the Crypto market. That’s for another post. Till then, Happy...

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The emotions of investing

Buy when other are fearful and sell when others are greedy. A pretty simple philosophy to follow to buy low and sell high and earn huge profits. However it’s tough as hell to execute due to human emotion.    I learnt more about myself in the past months than in the last 2 years with regards to investing. Why? Thanks to Cryptocurrency. The Crypto world is like the condensed and accelerated version of the stock market. You get your bull and bear run in a matter of months instead of years and you get to go through huge fluctuation...

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Crypto Investment Update

This post is an update on my crypto investment. I only have QASH and ETH tokens in my crypto portfolio so far. See my previous post for how QASH ICO triggered my first step into the crypto world. It’s has been about a week after QASH is listed on Quoinex (Fiat to crypto exchange) and Qryptos (Crypto to crypto exchange), both platforms operated by Quoine, and it was crazzzzy…. I’m not sure if this is beginner’s luck, but the price of QASH had doubled in a week!!!! This has never happened to me before during my 2 years of...

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Recent portfolio action

Hasn’t been very active in the last few months. Bought some Dutech to average down. Share price of Dutech dropped quite a bit after their profit warning in July.  However, i feel that Dutech is still profitable and undervalued. Hence I have bought some during the July drop to average down. Sold some Ellipsiz to realize some profit. In fact for Ellipsiz, with the dividends received and the proceeds from the sales of some shares, I have covered the cost for the shares. This means that the remaining shares that is still vested is pure profit. Unfortunately, Ellipsiz just...

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When to sell my value stocks?

I have managed to follow a set of rules to buy about 15 to 20 equities in my value portfolio.  This is clearly set out in my earlier post, setting up the criteria. But as you can see from my previous portfolio update here and here, I am not very good at selling the equities that i had bought. Buying an equity or stock is an important part to investing. Similarly, selling them is an equally important part. Without selling, any capital gain will just remain as unrealized gain and you never know when the price will retrace leaving you losing your...

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Which stage of Financial Independence are you at?

Came across an article today on “The Stages of Financial Independence“. It’s interesting to see how the author has split our life’s financial journey into 8 stages starting from financial dependency and ending with financial abundance. I guess I have come a long way in my financial journey starting from being financially dependent to being at a stage of trying to achieve debt freedom right now. Started from working and paying off students loans and subsequently getting married and getting into more loans (housing and car loans) and working to pay them off now. Seems like an endless rat...

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