Make more Bread

It’s been almost 2 months since I got the news that my job will be made redundant by end of the year. So what have I been up to? Literally trying to make more bread. I discovered ratios in making bread. Once you know the ratio, you probably can make any bread. You don’t have … Read more

guide to choosing which SP500 ETF to buy

Recently, my colleague asked me about how to get started in investing. And I just told her what everyone else recommends, just buy the S&P500 ETF or a world index ETF. A couple weeks later, I asked her, so have you started your investment? And her reply was, there are so many S&P500 ETFs! I … Read more

I will be laid off

Our department in Singapore received an email yesterday saying that there is an important meeting today that we all have to attend. Low and behold, our department will be relocated from Singapore to other countries, which means all of our roles are impacted. I started building an income portfolio to prepare for this day when … Read more

JuN 2024 Portfolio Update

Time for another bi annual update. You can check out my previous update here. My Portfolio is made up of 3 components: Income, Growth and Crypto. INCOME PORTFOLIO I have been adding more REITs to this portfolio for the past 6 months because their price are getting crushed. Buy more when people are fearful I … Read more

Singapore Savings Bond (SSB) Jun 2024 At 3.33% – Should You Buy?

The interest rate for Singapore Savings Bond (SSB) Jun 2024 (SBJUN24 GX24060A) is at 3.33% p.a. if held to maturity. If you invest $10,000, and hold it to Maturity until the 10th year, you would have earned $3,341.00. The 1st year’s interest rate is at 3.26%. If you decide to redeem after the 1st year, you will still earn $325.11. Why is … Read more

Crypto Summer Upon Us?

Did you survive the bear market? I’m sure glad I did. In an earlier post, I wrote how everything in crypto is a Ponzi until it is not. Bitcoin is just silly. A digital contract is what it is, backed by nothing. But then, BTC ETF got approved. It doesn’t matter how silly it seemed … Read more

December 2023 Portfolio Update

It’s the most wonderful time of the year~~~ I love December. And it’s time for another bi annual update. You can check out my previous update here. My Portfolio is made up of 3 components: Income, Growth and Crypto. INCOME PORTFOLIO I’ve made some changes to this portfolio. Initially, the plan was to just add … Read more

BasedApp Review (2023)

Getting Started: The Waiting List and Easy Registration I recently began exploring Basedapp, starting with their debit card. The initial step required getting on a waiting list to receive an invitation, a minor step in the process. Once invited, the registration was incredibly straightforward, thanks to MyInfo. Basedapp offers multiple sign-up options: Google SSO, email … Read more

Should You Buy TLT (20+ year Treasury Bond) (2023)

As of December 2023, the investment community is buzzing about the potential of TLT as an investment opportunity. Let’s delve into what TLT entails The iShares 20+ Year Treasury Bond ETF (TLT) gives investors targeted access to U.S. Treasury bonds with over twenty years to maturity. It aims to mirror the performance of the IDC … Read more