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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Personal Finance By Turtle Investor • June 5, 2026
FIRE Trial — January 2026: A Month In Thailand And What It Did To Our Budget The FIRE Trial series is back. For those new here, my wife and I are your average Singaporean couple living in an HDB flat in Singapore. Our monthly...
Travel & Lifestyle By Turtle Investor • May 19, 2026
KrisFlyer Miles Calculator: Free Tool To Track Reward Points & Redeemable Flights I have 222,226 KrisFlyer Miles as of time of writing, plus unconverted bank points sitting across three cards. HSBC Revolution, Citi Rewards, DBS...
Travel & Lifestyle By Turtle Investor • May 8, 2026
KrisFlyer Miles Expiry Calculator: Free Tool To Check When Your Miles Expire Back in March, I used AI to figure out when my 222,072 KrisFlyer miles would expire. Pasted my full statement into an AI chatbot, got the FIFO...
Career & Education By Turtle Investor • April 26, 2026
Miles Bot: My 24/7 Personal MCC Checker (Prompt Finance) I’ve been earning miles on credit cards for years. Like many optimisers, I’ve leaned on a third-party MCC checker at the payment counter to figure...
Travel & Lifestyle By Turtle Investor • April 16, 2026
Why I Chose KrisFlyer For Collecting Air Miles I’ve been collecting KrisFlyer miles for 10 years. Over half a million miles earned. Flown business class to Bali, Taipei, and a few other...
Personal Finance By Turtle Investor • April 14, 2026
Before You Cut Air Con Hours, Check Your Electricity Plan I watched a CNA video that went around this week. Reporter on the street asking regular Singaporeans what they’re doing about rising electricity...
Personal Finance By Turtle Investor • April 10, 2026
Your Expense Tracker Is Sleeping Data. AI Wakes It Up. (Prompt Finance) My wife and I have 13 years of budget data in YNAB. Every kopi, every Grab ride, every impulse Lazada purchase. All tagged, categorised, and synced. ...
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 ...
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