In my earlier article ( here ), I mentioned a return policy that refunded a sizable amount of money after more than 27 years. This cash has become handy now as I can deploy it as part of my overall passive income or for emergency needs. Additionally, the insurance element was minimal, and surrendering it has reduced my monthly payment outflow.Portfolio GrowthOver the next 10 years, I ..read more

Most family has limited fund to invest to generate enough income streams to cover annual expenses for retirement. Unless we are born with silver-spoon we cannot afford to park all our fund into low yield returns. There needs to strike a balance betweem various insruments, dividend investing and probably growth stocks to seek much larger return to cover needed expenses vs risk. Even with that ..read more

Shocks be-fitting President Trump Style. Argument in Oval Office. What cannot happen ? It looks to me President Zelensky got triggered by Vance comment which precipitated into verbal hostilities.These people are not sensitive of their words at all. I want to give a Pass to Zelensky. Many Ukrainians killed. Do we have to belittle other country in serious trouble especially to an ally in-front of ..read more

Over the decades i do quite a few attempts to track expenses. None of this works well because it requires alot of work and therefore I only do them briefly. Now, I have fine-tune much simpler way to collect expense data in-which I like to share.Regardless using ATM or Credit Card Payment or Giro or .... they are recorded in the saving account. This includes salary, dividends, transfers etc ..read more

In my early article, decided to surrender my GE Dynamic Prolife with Cash Policy. It has been with me for more than 27 years. I originally planned to surrender it years ago but was tied up and other constraints. Finally, I am able to do it this week due to ability to do it more effortless now. GE has improved their process.I am one of the sceptical guy who is worried what I will get when the ..read more

One of my key goal is to keep increasing my dividend income to cover expenses while hope to manage some growth through US Market. Therefore, the final holding in US market will be settling towards growth direction. For dividend income side, mainly SG local market specifically focus on Banks and Reits. US Treasury Bills ETFRecently, I have tested out US Treasury 20Y and 10Y ETFs. The dividend ..read more

As you may know, DBS has just released its results, offering another amazing reward to shareholders. DBS is currently the largest allocation in our portfolio for the local market. Here's a summary of the rewards.Quarterly Dividend Increase - The dividend has increased by 6 cents to 60 cents per share, implying a potential annual dividend of $2.40.Future Quarterly Special Dividend - There will be ..read more

CPF Life. Have been watching Youtubers on CPF Life. There are lots of discussion in Telegram on it. Then often then not, people will touch on return of investment of CPF life. And then will go on one should live to get as much from it as possible. This never get's into my head. Why on earth do we bothered about able to live longer to gain most from it, joke aside.As I understood, CPF Life is an ..read more

There are certain amount of truth on long term pick of S&P500 ETF could allow layman investors to ride far with strong return. Will this implied for the next decade or two ? Is all probability and this solely rest on Fate of America and Currency. At this moment in time, that Index is elevated. Will it go higher ? That's hard to determine.Is also true as well that when there is broad market ..read more

First month has just past after 2 years of strong returns. Within the month we have a large spike in the first weeks which than taper down as market losses momentum. Basically whatever spike from the bonus money ( probably ) received in Dec'24 into the market got pushed back down. We know the fundamental of the banks are strong so it is likely from the big boys act. Before the Jan week ended ..read more