Category: Finance Smiths

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 […]

Why we get angry at SMRT

This is going to be a non personal finance post and I’m hoping it doesn’t end up being a rant. But we are starting to lose it with SMRT and we are not even taking the North-South Line, which seems to be taking the brunt of the delays and breakdowns. We take the East-West Line in to […]

Is it worth my time managing multiple bank accounts and credit cards?

I had an interesting conversation with a friend recently over a lunch gathering during the weekend. It was about all the effort required to manage the multiple high interest bank accounts and associated cash rebate credit cards. Whether it was worth the time monitoring the bank account balances and credit card spending to ensure we maximise the […]

High income and high spending

I took some time off the blog for about a week. Was posting consecutively for a few days and ran out of topics I was interested to write about. We took last Friday off work to take a break and had a busy schedule of meeting up with friends for lunches and dinners over the […]