Money

The market is pretty volatile these few months. A speech by Jerome Powell tanked the S&P500 by -3.37% in a day. Some financial YouTubers are calling for doom and gloom, while others are saying to buy the dip. It’s the era of information overload. Here’s what I know. Consumer Price Index The Fed will keep … Read more

The short answer is No, you can’t invest if you have no money. The longer answer is, you have to find ways to make money. In this technology age, there is no excuse that you can’t make money. You can install an app on your phone, and be on your way to making money from … Read more

Unfortunately, the truth is, you need money to make this work. Which is why I truly believe that you should be thinking about how to make more money, rather than scrimping to reduce your expenses. I wrote a post previously about Increase income vs reduce expenses which explore this topic in depth. With this portfolio, … Read more

I thought it would be interesting to do a Portfolio Update as haven’t done one since 2020. I think 2021 was the year I abandoned traditional finance for crypto. Let’s get to it. Income Portfolio Holdings % Allocation Syfe REITs 19% DBS 1.6% SSB (Singapore Savings Bond) 79.4% I’m starting a Income Portfolio so that … Read more

First up, in order to predict the future SSB interest rates, we need to understand how SSB interest rates are determined. According to the MAS site: The SSB on offer in any given month are linked to the daily average SGS yields as published by MASin the previous month. https://www.mas.gov.sg/-/media/MAS/News-and-Publications/Press-Releases/Annex-1-FAQ.pdf So basically it is linked … Read more

Before you can buy SSB, you need to make sure you have a Central Depository Account (CDP) account. You can apply for a CDP account here. DBS Internet Banking Login to DBS Online Banking Site and follow the steps. (Note that you cannot apply for SSB on the DBS Digibank app.) OCBC Internet Banking Login … Read more