Farewell Dad. I will miss you.
My dad passed away at home on 3rd February, Friday, 2023 very early in the morning somewhere around 0630. The…
Being Wealthy is a Feeling and Based Less on Math. But it Actually Means A Wealthy Person will have an Absurdly Low Safe Withdrawal Rate.
There is always a tale or two to tell revolving around safe withdrawal rates. When I am dealing with more…
Singapore Savings Bonds SSB March 2023 – Ten Year Yield Goes Up, One Year Goes Down (SBMAR23 GX23030A)
Here is a safe way to save money that you have no idea when you will need to use or…
Should You Retire at 30 Years Old with $1 Million or Retire at 40 Years Old with $10 Million (As a Singaporean)?
Yesterday, someone in my Telegram group asked a question: Is it wise to retire before 30 years old with $1…
New 6-Month Singapore T-Bill in Early-February 2023 Be Lower, Ranging between a Yield of 3.8% to (for the Singaporean Savers)
A Singapore Treasury Bill issue (BS23102H) will be auctioned on Thursday, 2nd February 2023. If you wish to subscribe successfully,…
The Annoying Thing About Potential Frauds in the News.
Ted Seides, founder of the Capital Allocators podcast, and founder, president and co-CIO of Protégé Partners LLC, shared with us…
Cutting My F.I. Capital Needs for Insurance Premiums from $131,366 to $58,132 by Prepaying for It
Today’s article is a continuation of my personal notes series where I share some real takes on how I frame…
Advance Spending Philosophies from Morgan Housel
Morgan Housel came up with an outstanding article on the art and science of spending money. Basically, he distilled the…
The Influence and Threat of Financial Influencers
My big boss Christopher Tan shared his comments regarding the emergence of “Finfluencers”, whether they pose a threat to the…
Comparing Portfolio Performance of Some Singapore Robo Advisers (2023 Update 2.4 Years Later). Did MoneyOwl Continue to do Well?
I last updated the performances of the portfolios of popular Robo-advisers in Singapore nine months ago. I started tracking these…
Is There Value in Asia High Yield Bonds at Nearly 13% Yield to Maturity?
JPMorgan published its Guide to the Market series at the start of the quarter. This time we took a look…
New 6-Month Singapore T-Bill in End-January 2023 Be Less Than 4.1% Yield Unless CPI Spikes Tomorrow (for the Singaporean Savers)
A Singapore Treasury Bill issue (BS23101S) will be auctioned on Thursday, 18th January 2023. If you wish to subscribe successfully,…
Are We Returning to the 2000-2010 Investment Climate? Everything do better than the S&P 500?
My formative investing years started in the 2003 bull market. Investing from 2000 to 2010 was a fascinating period. There…
Affluent Investors Are Attracted to Rug-pull Experiences
A couple of days ago, our investment analyst Choon Siong forwarded me this hilarious piece of commentary on the Financial…
The Sequence of Staff Layoffs and Right-Sizing
I heard one rumour that when Elon Musk did what he did to Twitter, it looked horrendous to many. But…
Singapore Savings Bonds SSB February 2023 – One and Ten-Year Yield Continues to fall to 2.97% (SBFEB23 GX23020X )
Here is a safe way to save money that you have no idea when you will need to use or…
My Annual Spending in 2022 – $39,187
I have been carrying on an annual tradition of sharing how much I spend in the year, and today I…
Fall in Asset Values Causes 17% Yielding Manulife US REIT to Get Very Close to the 50% Regulatory Leverage Limit.
In this couple of days, Singapore-listed US Office REIT Manulife put out a few announcements. The first one is the…
Can Your SRS Account Lower Your Taxes? Is it Always Better to Contribute to SRS Account?
It’s the last day of the year. Many are contemplating whether there are other ways to lower your taxable income…
New 6-Month Singapore T-Bill in Mid-January 2023 May Stall at 4.2% Yield if Recession Risks Pick Up (for the Singaporean Savers)
A Singapore Treasury Bill issue (BS23100Z) will be auctioned on Tuesday, 10th January 2023. If you wish to subscribe successfully,…
How Well Run is Moomoo’s Parent Futu Holdings? Is it Heavily Leveraged?
I met up with a friend I had not seen for some time because he was gracious enough to pass…
Why Financial Independence with Children is Challenging.
Cullen Roche over at Pragmatic Capitalism writes a short (like always), reflective post which I thought may be something that…
Building My Financial Security Part 2 – How Much to have Perpetual Income to Fund My Security? Is it Conservative?
In part 1 of my notes, I went through one of my highest financial priorities, explaining how much it will…
Interactive Brokers Mobile Brings You TradingView Charts
One of Interactive Brokers mobile application’s weaknesses is the lack of sophistication in charting. If you look up Amazon, you…
What Kind of Treasures Can Singaporeans Find in Their Dumpsters? A lot of Stuff!
Most of us should know where our dumpsters are. Some of us would remember the time we spotted something that…
Having Enough in Retirement As a Singaporean Goes Beyond Investing in S&P 500 ETF
Last weekend, I received this message from a friend: “Hi Kyith, I would like to put money into US stocks.…
New 6-Month Singapore T-Bill in End-December 2022 Still at an Attractive 4.2% Yield to Singaporeans?
A Singapore Treasury Bill issue (BS22125T) will be auctioned on Thursday,21st December 2022. If you wish to subscribe successfully, get…
MoneyOwl’s WiseSaver Money Market Solution Reaches a High Gross Yield of 4.2%!
The MoneyOwl WiseSaver‘s underlying gross yield on their assets reached 4.2%. WiseSaver is MoneyOwl’s cash management account. If you are…
JPMorgan: Challenging 2023 But A Market to Accumulate
It is a time when different institutions will put out their recap of 2022 and outlook for 2023. JPMorgan is…
Interactive Brokers Very Liquid, High-Interest Cash Account
Stock investors always have a unique capital allocation problem. Their default posture is mainly to invest their capital in stocks…