Buy a car or make SGD 1,000 per month in passive income forever? You decide!
Reading Time: 6 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: 10 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?
My FIRE Path: 2018 Progress & 2019 Goals
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
CPF on FIRE: CPF LIFE, what’s the optimal approach?
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
My “never have to work again” number – An introduction to the Safe Withdrawal Rate
Reading Time: 10 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
The Bogleheads 3-Fund Portfolio for Singapore Firewalkers
Reading Time: 10 minutes The 3-Fund Portfolio is a tried and true investment approach to achieving financial independence and long-term wealth, but without access to Vanguard Index Funds what options do Singaporeans have?
What is FIRE?
Reading Time: 3 minutes If you have the chance to purchase a magical perpetual money-making machine that prints enough money to cover your expenses each year, would you?