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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Shares & Derivatives By Turtle Investor • July 14, 2026
Frasers Centrepoint Trust: White Sands Sold For $467 Million. What Will The Money Be Used For? (2026) Frasers Centrepoint Trust (FCT) is selling White Sands, its shopping mall in Pasir Ris, for $467 million. I hold FCT as one of my larger positions,...
Personal Finance By Turtle Investor • July 3, 2026
FIRE Trial Expense Report — June 2026: Is Singapore Really That Expensive? May survived a $1,200 hosting bill and still finished green. June’s largest expense was bigger still, and the month came in cheaper anyway. Six...
Invest By Turtle Investor • July 2, 2026
Singapore Savings Bonds (SSB) August 2026: Year 1 (1.46%), 10-Year (2.06%) The SSB August 2026 issue pays 1.46% in year one and a 2.06% average over 10 years. The first-year rate is unchanged from July, but the 10-year...
Invest By Turtle Investor • June 30, 2026
Syfe REIT+ Rebalancing (Mar 2026): Centurion Accommodation REIT Added Syfe REIT+ rebalanced in March 2026, in line with the semi-annual review of the iEdge S-REIT Leaders Index. The actual trades in my portfolio ran...
Invest By Turtle Investor • June 25, 2026
Singapore Savings Bonds (SSB) July 2026: Year 1 (1.46%), 10-Year (2.11%) The SSB July 2026 issue pays 1.46% in year one and a 2.11% average over 10 years. That’s flat against June, and still near the low end of the...
Personal Finance By Turtle Investor • June 22, 2026
FIRE Trial Expense Report — May 2026: A $1,200 Hosting Bill But The Month Stayed Green April was the month family took the spotlight and the total barely moved. May had a $1,223 hosting bill land in one go, and the total still barely...
Personal Finance By Turtle Investor • June 18, 2026
You Need A Budget (YNAB) Review: Still Paying For It a Decade Later Back in 2015, when I first wrote about You Need A Budget (YNAB), it cost a one-time US$60, ran off a desktop install, and synced through Dropbox of...
Personal Finance By Turtle Investor • June 17, 2026
FIRE Trial Expense Report — April 2026: Family Took The Spotlight This Month March was the boring baseline I’d been waiting for. April swung the other way, and the reason was family. For those new here, my wife and I are...
Personal Finance By Turtle Investor • June 12, 2026
FIRE Trial Expense Report — March 2026: Back To Baseline After Two Extreme Months January was a fat green surplus. February went deep red. March did neither, and that’s the whole point of this one. For those new here, my...
Personal Finance By Turtle Investor • June 9, 2026
FIRE Trial Expense Report — February 2026: Chinese New Year Met A Low Income Month Home » Retire » FIRE FIRE Trial Expense Report — February 2026: Chinese New Year Met A Low Income Month June 9, 2026 by Kevin Leave a...
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