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 • December 5, 2025
Vanguard for Singapore Investors: 10 Years Later, Here’s What I Learned Back in 2014, I was sitting at my desk with a negative net worth of around $25,000, writing about Vanguard’s Hong Kong expansion and hoping it would...
Business By Turtle Investor • December 4, 2025
GXS Bank Layoffs: Which Singapore Digital Bank Is Closest To Profitability? When GXS Bank cut 82 jobs in December 2025, headlines tend to invoke ideas of failure. But look at the actual numbers, and a different story emerges...
Shares & Derivatives By Turtle Investor • December 2, 2025
Mari Invest Gold Review: Here’s What’s Coming (Dec 2025) LionGlobal launched Singapore’s first locally-vaulted physical gold fund on Nov 25, 2025, with an inception date of Dec 1, 2025. MariBank will...
Invest By Turtle Investor • November 27, 2025
Mari Invest SavePlus Review (2025) MariBank customers moved over $1 billion into Mari Invest SavePlus in just two years. If you’ve seen it in your app, you’re probably wondering if...
Invest By Turtle Investor • November 26, 2025
Trust Cash+ Review (abrdn SGD Money Market Fund) Trust Bank launched Cash+, and if you’re one of their 500,000+ customers, you’ve probably seen it pop up in your app. Should you put money in? I...
Cryptocurrency By Turtle Investor • November 25, 2025
Crypto DATs: Stop Treating All mNAV Discounts As Buying Opportunities MicroStrategy trades at a premium to its Bitcoin holdings. Other Bitcoin Digital Asset Treasury (DAT) companies may trade at a discount. Here’s the...
Invest By Turtle Investor • November 23, 2025
How to Access Fullerton SGD Cash Fund via Endowus You’ve read about Fullerton SGD Cash Fund (maybe from my Fullerton SGD Cash Fund Complete Guide or somewhere else) and you’re convinced it’s a...
Invest By Turtle Investor • November 21, 2025
SGX’s Big Moves: Nasdaq Bridge + Board Lot Cuts – What Actually Changes For You? MAS just announced two major SGX reforms that are making headlines: A Nasdaq dual listing bridge for companies valued at $2 billion and above...
Invest By Turtle Investor • November 20, 2025
Fullerton SGD Cash Fund: Complete Guide If you’re looking for a safe place to park your emergency fund or idle cash while earning better-than-bank returns, the Fullerton SGD Cash Fund...
Personal Finance By Turtle Investor • November 18, 2025
Why Investors Should Stay Passive For Healthy Finances In Retirement I came across an article in The Business Times recently titled “Why investors should stay active for healthy finances in retirement.” Before we...
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