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
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.
Reading Time: 9 minutes CAN WE GET OFF THE ROLLER COASTER NOW PLEASE!?!?!? Investors in 2018 (Probably) Whew! 2018 was an ‘interesting’ year, to say the least. Although the year was filled with volatility, the majority of the time, the market was moving sideways and even slightly up compared to where we were last year. That was until October … Read more
Reading Time: 9 minutes Update (25/12/2018 12:00PM SGT): As pointed out by Adriel in the comments section (Thanks for the heads up!), the original post had the ERS amount incorrectly at 2x the FRS, however the correct amount is 1.5x the FRS. This has been fixed and it impacts the result of the withdrawal rate analysis. The CPF LIFE Scheme is a life annuity scheme that provides Singapore Citizens and Permanent … Read more
Reading Time: 9 minutes This post will go into the basics of Safe Withdrawal Rate and the 4% rule, so if you’re already familiar with the concept, you may wish to skip this one. When speaking to my friends about financial independence – and the freedom you get from knowing you’ll never have to work again to earn money … Read more