As mentioned in many of the pages and posts on this blog, we started a Regular Savings Plan (RSP) with Philip Sharebuilder back in Nov 2010. To minimize the monthly fees of $6 to 1% of the investment, we also committed $600 to this product every month. Since the plan offered us the option of choosing two counters without additional charges incurred, we allocated $500 to the STI ETF and $100 to one of the local banks, DBS.

Monthly statements were provided as an update and I was normally the one paying closer attention to them. Understandably, even though Mrs 15 HWW is the owner of this account. After all, it’s hard to find someone more passionate about our finances than me. But once in a while, I will make it known to her that she made $xxx or xx% gains in her portfolio. She will be pleased to have married such a savvy husband but I would sometimes ...