Category: Finance Smiths

Liking the economic recovery

As an investor, I know I’m supposed to prefer market volatility and bear markets so I can buy ETFs & stocks at lower prices. And I understand this usually comes together with an economic recession, which poses retrenchment and other types of risks that I should accept with my investing approach. This is the objective and logical […]

Taxes Conundrum

The issue of raising taxes in Singapore due to growing government spending on investments and social services has surfaced in the news again. Specifically Income Tax and GST. I always get into an internal conflict with myself when I start to think about where I stand on it. Singapore’s Income Tax Rates is progressive, which means high […]

Knowing when to adjust our contributions

I had the chance to meet Michele and Rachel from StashAway as well as Kyith (Investment Moats) during the open discussion earlier in the week. It was great and I enjoyed the conversations we had on investing in general, pros & cons of StashAway, possible improvements to StashAway, etc. Looking forward to attending more of […]

Annual performance review outcome

My wife has completed her 2017 annual performance review and she just received her remuneration outcome – higher basic salary and a bonus. This is a better result than 2016, where she received no basic salary increase and a smaller bonus. That’s to be expected given that 2017 is a better year for the economy […]

Sell transaction Nov 2017

We have a small portfolio in Australia consisting of 2 individual stocks listed on the ASX. One of them is WorleyParsons Limited (ASX: WOR). It is an Australian engineering company that provides project delivery & consulting services to the resources & energy sectors, and complex process industries. Did you understand what this company is doing from the short introduction? Because […]

Taking 2 consecutive days of sick leave from work

I finally took sick leave last Thurs and Fri to go see the doctor, get medicine & MC and rest at home. I have been struggling to recover from an initial bout of cough, sore throat and cold but still going to the office. Not because I’m hardworking but because I don’t like staying at […]

Cash gift and interest credited from DBS BYOB and SAYE

Back in Aug 2017, I wrote about my wife registering for the DBS BYOB Promotion and opening the SAYE Account. One of the benefits I mentioned was that she will receive a S$88 cash gift for having registered by 30 September 2017. This has now been credited into her DBS bank account. The 2% pa bonus […]

Investments for Oct 2017

Automated Investing for Oct 2017 Maybank Kim Eng Monthly Investment Plan (Maybank KE MIP) Buy 29 units of SPDR STI ETF (SGX:ES3) at S$3.329 per unit on 9 October 2017 Buy 89 units of Nikko AM REIT ETF (SGX:CFA) at S$1.086 per unit on 9 October 2017 Transaction costs of S$2 POSB Invest-Saver Buy 29 units of Nikko AM […]

StashAway Open Discussion in Nov 2017

You would think that having worked in an office environment for a number of years, I should be more responsive to emails and invitations to networking events. For some reason, I am terrible at the personal ones that relate to my blog. On one hand, I am interested in connecting with the wider Singapore finance bloggers […]

Sell transaction Oct 2017

I made a sell transaction on Thurs 26 Oct 2017. As I have mentioned before on the blog, I am in the process of restructuring our investment portfolio to make it simpler. There was no particular reason other than a recent price run-up and it’s after the ex-dividend date. Which means I can still receive […]