Should we rent or buy our homes in Singapore? (HDB)
Reading Time: 13 minutes Ah, one of the eternal debates in personal finance – should we buy or rent our home? Which is the optimal financial decision in Singapore? Let’s find out.
Investing
A Bet On Humanity: Why Index Investing Works (In Simple Terms)
Reading Time: 13 minutes Have you wondered about the underlying reason for the long-term upwards trend of the stock market and why index investing works? Me too, so I wrote a thing.
Robo Advisors vs DIY Bogleheads 3-Fund Portfolio – Which should we choose?
Reading Time: 14 minutes With the increased interest and popularity of Robo Advisors in Singapore, how do they compare with the Bogleheads 3-Fund Portfolio? Which should we choose? Let’s take a look!
Optimal Withdrawal Strategy for FIRE in Singapore: Using CPF LIFE, SRS and Brokerage Account Together
Reading Time: 15 minutes Why bother thinking about an optimal withdrawal strategy? Well, what’s the point in saving and investing if we’re not going to enjoy the fruits of our labour? Eventually, once we’ve accumulated enough in our retirement accounts to meet our FIRE number, we can pull the trigger and start living off of the income that can … Read more
Don’t bother dollar cost averaging your bonus, invest it all at once! – DCA vs Lump Sum Investing Analysis (STI ETF)
Reading Time: 12 minutes Just got your bonus? Not sure what the best way to invest it – DCA or Lump Sum? Wonder no more as Lump Sum is the best way to go, here’s why.
Buy a car or make SGD 1,000 per month in passive income forever? You decide!
Reading Time: 5 minutes Cars are one of the more expensive purchases in Singapore. More than just the up front cost, would you give up SGD 1,000 in passive income for it?
CPF on FIRE: The 10 Commandments you must follow before investing your CPF money
Reading Time: 9 minutes After the analysis I’ve been doing on the STI ETF and the findings that came from that analysis, it’s been making me wonder if we should be investing our CPF OA monies in the STI ETF for the better returns. If you’re not yet aware, as part of the CPF Investment Scheme (CPFIS), the Singapore … Read more
The Ultimate Comprehensive Analysis of The 11-Year Returns of the STI ETF: Part 3 – Lump Sum Investing & Rolling Rate of Returns
Reading Time: 10 minutes What kind of returns would you get if you
The Ultimate Comprehensive Analysis of The 11-Year Returns of the STI ETF: Part 2 – Rolling Internal Rate of Returns
Reading Time: 8 minutes What are the rate of returns of the STI ETF look for rolling investment windows of 5, 6, 7, 8, 9 or 10 years? What’s the most likely returns you’d get based on the length of your investment and how does the length of investment affect your returns? I did the analysis and compiled the results here.
The Ultimate Comprehensive Analysis of The 11-Year Returns of the STI ETF: Part 1 – Dollar Cost Averaging
Reading Time: 18 minutes As Singaporean investors, when we talk about a Singapore-Dollar-denominated broad-based diversified stock index, the only good option we really have is the Straits Times Index. Even though it only has 30 companies, it’s the best we’ve got. But how good is it?