Category: Finance Smiths

Shifting my asset allocation towards growth

I just updated our 30 Sep 2017 numbers and these are the percentage increases of our assets and net worth: Cash: +0.52% Investments: +2.92% Retirement & Medical: +1.15% Net Worth: +5.07% It was a significant month for us in terms of investments as we started our monthly Dollar Cost Averaging (DCA) of the Vanguard UK-listed […]

Evolution of a long-term relationship

I enjoy reading personal finance bloggers’ posts when I have time. Being able to peak into and get a glimpse of what goes on in their lives is a privilege. It gives me insights into how I am approaching my own life, the ways in which I could improve it, why I am doing things […]

Thoughts on the corporate world

I have been reading Jes’ recent posts on dealing with her ex-boss, subsequent resignation and being at a crossroad. I empthasize with her situation, especially when I realised we are about the same age (although she has a kid already). Having worked in 3 previous jobs & firms and on my 4th one now, I have come across my share of problematic bosses and workplaces. […]

Investments for Sep 2017

Automated Investing for September 2017 Maybank Kim Eng Monthly Investment Plan (Maybank KE MIP) Buy 29 units of SPDR STI ETF (SGX:ES3) at S$3.27 per unit on 8 September 2017 Buy 88 units of Nikko AM REIT ETF (SGX:CFA) at S$1.092 per unit on 8 September 2017 Transaction costs of S$2 POSB Invest-Saver Buy 30 units […]

Learning from others

I’m still here. I know it’s been more than a week since I last posted. Was busy with a few things at work and outside of work. But I got through them and got a bit of time now to write about stuff. On the financial front, nothing much seems to be happening. I’m satisfied […]

Why investing in ETFs can be a problem for you

Just to be clear. I’m still sticking to my Dollar Cost Averaging (DCA) and Value Cost Averaging (VCA) of index ETFs and robo-advisor accounts strategy. This post is my attempt at understanding how investing in ETFs can be a problem as more and more people engage in it. Specifically when people in different age groups, […]

My first negative cash on hand month

I was updating my Google Sheet expected net worth, income and expense numbers for Sep 2017 this morning. Was surprised to see the saving rate % as a negative figure. Which means I have run into my very first negative cash on hand month. Good news is that it’s not a negative cashflow month. That […]

StashAway Referral Programme as an incentive

I have mentioned in my previous posts about setting up StashAway and Smartly Singapore robo-advisor accounts for my wife. But I didn’t set any up for myself. My plan was to be a spectator and just monitor how those accounts performed. It was tempting to set one up for myself just so that I don’t […]

New Net Worth Update Aug 2017

I’m aware that I haven’t written anything in a while. As it turns out, it was a busy week at work and let’s just say I’m glad it’s a long weekend. You would also have noticed I removed quite a bit of personal financial information from the blog pages. After my wife raised some concerns […]

Investments for August 2017

Automated Investing for August 2017 Maybank Kim Eng Monthly Investment Plan (Maybank KE MIP) Buy 28 units of SPDR STI ETF (SGX:ES3) at S$3.34 per unit on 8 August 2017 Buy 89 units of Nikko AM REIT ETF (SGX:CFA) at S$1.091 per unit on 8 August 2017 Transaction costs of S$2 POSB Invest-Saver Buy 29 units […]