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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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 ...
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...
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