Turtle Investor
Hello there! I am Kevin and the author behind the Turtle Investor blog. At age 37, I hit CPF Full Retirement Sum (FRS) of $176,000 on the last day of 2019, twelve years after graduating from university. I am married and owns a 4-room apartment. I continue to be gainfully employed to build up my portfolio and provide my loved ones with better lives. Leaving everything behind and transitioning to a digital nomad life in Bali remains an option but not something that I’m actively pursuing now 🙂
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Invest By Turtle Investor • October 1, 2026
Singapore Savings Bonds (SSB) Nov 2026: Year 1 (1.67%), 10-Year (2.45%) & Results The SSB November 2026 issue pays 1.67% in year one and a 2.45% average over 10 years. The first-year rate barely moved. The 10-year average rose for a...
Credit Card By Turtle Investor • September 21, 2026
YouTrip Review (2026): A Multi-Currency Wallet And A Reliable Backup Card Many people I know carry a YouTrip card. For years, it was the easy answer to one annoying problem: your bank charges an FX fee of around 3.25% every...
Credit Card By Turtle Investor • September 18, 2026
Chocolate Card Review (2026): The Zero FX Fees Card That Earns Miles The Chocolate Finance Visa Debit Card is a 0% FX fee card, so you pay no foreign-currency markup when you spend overseas. The Chocolate Finance Visa...
Credit Card By Turtle Investor • September 11, 2026
Mari Credit Card Review (2026): The Best First Card Without $30k Income Requirement Most credit cards ask for one thing before they approve your application: evidence that you are earning at least $30,000 a year. Not proof that you...
Personal Finance By Turtle Investor • September 3, 2026
FIRE Trial Expense Report — August 2026: Low On Income, Light On Expenses July had a Malaysia trip land in the same month as juicy dividends, and the surplus was the second biggest of the year. August was the opposite kind...
Credit Card By Turtle Investor • August 26, 2026
DBS Altitude Review (2026): The General-Spend Card I Actually Use The DBS Altitude is a general-spend miles card. If that sounds familiar, it should, because it is almost a carbon copy of the Citi PremierMiles I...
Invest By Turtle Investor • August 5, 2026
Singapore Savings Bonds (SSB) Sep 2026: Year 1 (1.52%), 10-Year (2.25%) & Results The SSB September 2026 issue pays 1.52% in year one and a 2.25% average over 10 years. Both rates ticked up from August, with the 10-year average...
Personal Finance By Turtle Investor • August 4, 2026
FIRE Trial Expense Report — July 2026: A Malaysia Trip In A Dividend-Rich Month June was a thin-but-green win where the biggest expense was mostly timing. July had us in Malaysia for a few days, and the spending still came in...
Invest By Turtle Investor • August 3, 2026
Cash Strategy: Where I Park My Funds Without Chasing Rates (Q3 2026) Where I keep my spare cash is not exciting, and that is on purpose. A couple of accounts, a simple rule for what goes where, and no app-hopping to...
Insurance By Turtle Investor • August 2, 2026
Travel Insurance In Singapore: How To Buy It Without Overpaying I have never been shy about travel insurance. I’ve needed it firsthand, and a hospital visit in Bali at 3am will do that to you. I’ve also argued...
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