In August, StashAway announced to reduce the interest for its StashAway Simple, while US have fully recovered from the covid crash. StashAway Global (2019) – 36% Risk Capital: $12,500 Current Value: $15,269.05 Returns: $2,769.05 Global (2020) – 36% Risk Capital: $16,000 Current Value: $18,646.11 Returns: $2,646.11 Income (2020) – 12% Risk Capital: $15,000 Current Value: $15,218.11 Returns: $218.11 Endowus Very Aggressive (Cash) Capital: $3,400 Current Value: $3,451 Returns: $51 Overview Total capital invested: $46,900 Total current value: $52,584.27 Total returns: $5,684.27 ..read more

Starting in July, I’ve half my monthly investment amount to $2,500 and started on adding $500 to StashAway Simple every month. StashAway Global (2019) – 36% Risk Capital: $12,250 Current Value: $14,608.52 Returns: $2,358.52 Global (2020) – 36% Risk Capital: $15,000 Current Value: $17,156.99 Returns: $2,156.99 Income (2020) – 12% Risk Capital: $14,250 Current Value: $14,442.63 Returns: $192.63 Endowus Very Aggressive (Cash) Capital: $3,200 Current Value: $3,088.11 Returns: -$112.09 Overview Total capital invested: $44,700 Total current value: $49,296.25 Total returns: $4,596 ..read more

Throughout the first half of the year, I’ve made several changes to my portfolio. In addition to my liquidation of AutoWealth. I’ve decided to reduce my monthly investment amount to S$3,000 so as to conserve on cash as my emergency funds. StashAway Global (2019) – 36% Risk Capital: $12,000 Current Value: $14,104.33 Returns: $2,104.33 Global (2020) – 36% Risk Capital: $14,000 Current Value: $15,850.21 Returns: $1,850.21 Income (2020) – 12% Risk Capital: $13,500 Current Value: $13,793.87 Returns: $293.87 Endowus Very Aggressive (Cash) Capital: $3,000 Current Value: $2,879.73 Ret ..read more

In May, I’ve decided to liquidate my AutoWealth investment to conserve cash for my potential upcoming large purchases after the investment return to a gain of about $400~ excluding the management fees paid. As I’ll be dipping into an extremely large portion of my emergency savings, I will be slowing down on my investment to save up more cash, while still maintaining my investment rate on StashAway. StashAway Global (2019) – 36% Risk Capital: $11,500 Current Value: $13,040.29 Returns: $1,540.29 Global (2020) – 36% Risk Capital: $12,000 Current Value: $13,165.05 Returns: $1,165.05 In ..read more

When I started my first job in 2016, my saving goal was to save $100K by 30. With a salary of $2K to $3K, I’ve my spending budget set to $10 per day and set aside 20% of my salary for parent. After working for a few years, I reached my goal few days before 27. However, that got me thinking, what’s next? What can I do better? Prior to that, I’ve already understand the importance of keeping aside 6 month of emergency savings. I’ve an estimated of $30K invested with POEMS’s Share Builders Plans (SBP) and POSB Invest Savers. For my POEMS’s Share Builders Plans, I’m general uncomfortable with stock ..read more

On 14 March, government have released the solidarity cash payout of $600. Immediately upon receiving the sum, I transferred the amount to my Singlife account to earn 2.5% p.a. returns for the first $10,000 deposited. Though in the end, I decide to donate all of my payout to people that have greater needs, the amount are now money purely funded by the cash in my bank account. I’ve first chance upon the account through HardwareZone forum whereby the members were talking about it. I went to made further research upon Singlife and found out that they’re actually a insurance company. Singlife accou ..read more

I’ve invested into StashAway and AutoWealth since 2019 and have added EndowUs earlier this year. Earlier this year, I’ve liquidated all shares accumulated via POEMS Share Builder Plan (Thankfully I did) and is currently moving all funds into the various Robo-Advisors portfolio slowly every month. During the 2020 market crash, I have added additional one-month monthly invested value to StashAway in order to further DCA downwards. Earlier this year, I’ve created another 2020 portfolio to observe the difference for investing one-year apart, the result was interesting. For this, I will blog in ano ..read more

I’ve started out my investing in Regular Saving Plan (RSP) with POSB Invest Saver few years ago during my uni-days before I started working. As I did not have much allowances, each month I’d invest $100 into it, inclusive of all the accumulated dividends received from NIKKO AM STI ETF (G3B). I did not bother to increase the amount after I landed my first job as I’m barely able to survive with my pay while trying to set aside cash for emergency use. Hence, it has been as it is till date. In the back of my mind, I’ve always know of a huge payment that I’ll have to fork out in 1 to 2 years timel ..read more

I’ve started out blogging earlier this year with my new year resolution set for year 2020. Many things have happened since then, who would have foresee a pandemic outbreak that forces most desk-bounded workers around the globe to start working from home and causes cross-border travelling to come to a halt. There goes all my holiday plans. With the additional time that I’ve had being stuck at home, I’ve decide to re-ponder about the goals that I’ve set for myself and start to seriously look into what I truly wanted to do in the coming years. It’s been almost a year or two that I started to fee ..read more

In August, StashAway announced to reduce the interest for its StashAway Simple, while US have fully recovered from the covid crash. StashAway Global (2019) – 36% Risk Capital: $12,500 Current Value: $15,269.05 Returns: $2,769.05 Global (2020) – 36% Risk Capital: $16,000 Current Value: $18,646.11 Returns: $2,646.11 Income (2020) – 12% Risk Capital: $15,000 Current Value: $15,218.11 Returns: $218.11 Endowus Very Aggressive (Cash) Capital: $3,400 Current Value: $3,451 Returns: $51 Overview Total capital invested: $46,900 Total current value: $52,584.27 Total returns: $5,684.27 ..read more