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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Travel & Lifestyle By Turtle Investor • April 6, 2026
Air Miles In Singapore: The Complete Guide To KrisFlyer Miles (2026) Credit cards exist to monetise your spending. Every time you pay with a card, the bank earns from the merchant. To keep you using their card instead...
Saving & Spending By Turtle Investor • March 12, 2026
MacBook Neo: Why This S$849 Laptop Is A Bigger Deal Than You Think Once in a while, I write topics which involves spending money, which makes it relevant to personal finance, right? I have been a ThinkPad guy for...
Shares & Derivatives By Turtle Investor • March 10, 2026
I Sold Lendlease REIT At $0.65. Here’s What Must Change Before I’d Put $10k Back In. When LREIT announced the PLQ Mall acquisition and preferential offering on 25 February, I jotted down a few quick thoughts to myself. Discord chat ...
Shares & Derivatives By Turtle Investor • March 9, 2026
What I Found Inside FCT’s AGM Minutes (And How I Processed It In Minutes) Frasers Centrepoint Trust (FCT) held its Annual General Meeting (AGM) on 23 January 2026, covering the financial year ended 30 September 2025...
Market Review and Trends By Turtle Investor • March 8, 2026
How Global Conflicts Affect Singapore Suburban Retail REITs (And Why I’m Not Worried) Every few years, the world reminds us that geopolitics can get ugly. Right now, it’s the Iran-Middle East situation. Before this, it was Russia’s...
Business By Turtle Investor • March 3, 2026
SingPost Is Going Downhill (And It’s Not Because Of “Structural Headwinds”) I tried to mail a parcel to Vietnam last year. What should have been a 10-minute errand turned into a 45-minute annoyance that left me questioning...
Travel & Lifestyle By Turtle Investor • February 26, 2026
Bangkok 8D/7N For Under $600: Full Cost Breakdown (2026) I’ve spent enough time in Thailand (28 days on my last trip, to be exact) to know that a trip to Bangkok doesn’t have to be expensive. A relaxing...
Invest By Turtle Investor • February 24, 2026
Young Singaporeans Are Rushing Into Gold and Silver? Here’s What They Didn’t Say. OCBC published a press release that Channel News Asia covered, celebrating a 2.5x growth in precious metals investors in 2025. Half of them are...
Shares & Derivatives By Turtle Investor • February 20, 2026
Frasers Centrepoint Trust And The RTS Fear: Why I’m Still Buying I haven’t published anything in a short while. That’s because I was busy ringing in the new year at a resort overseas, followed by a 4-week...
Personal Finance By Turtle Investor • January 7, 2026
How I Turn My Parents’ CDC Vouchers Into Cash For Them (And What I Do With $6,800 In Vouchers) CDC vouchers are great in theory, but the digital-centric process is a headache for seniors. My parents struggled with it. My in-laws too. So I...
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