Category: Investment Moats

What You Should Do if You Lost Your Job or Lost Your Income Temporarily

I started work after we came out from SARS in 2004. So I have been through the mental aspect of not knowing if you have a job when you graduated from university. 2008 was different in that I was already working but in my old company, the email will announced new hires every week. This […]

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Global Supply Chains Shift will be Accelerated Due to this Psychological Scar

One of the things that COVID-19 is likely going to accelerate is the de-centralization of manufacturing in China. This de-centralization was already a big theme in the last two years. Suddenly, a pandemic is likely going to accelerate it. The worst-case scenario planning in the past was for a risk manager to ask the question: […]

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Vanguard Investors are a Unique Bunch in this Market Volatility

March 2020 is a bit of a madness. March Madness is also the name given to National Collegiate Athletic Association Division 1 Men’s Basketball tournament in the United States. It is no surprise that this very popular grassroots tournament has been canceled. This sent a very strong message to the people in the United States […]

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Life Restrictions Bring Areas For FI Experiments

We lived in an interesting time where our normal way of life is being challenged. To halt the progress of this Covid-19 virus, governments around the world are asking people to keep a safe distance, work from home. Certain non-essential businesses are closed down. As an individual who is interested in financial independence, financial security […]

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A Market Fall of 40% Need Not Mean Your Retirement Deams are Derailed

When the topic of financial independence and its cousin F.I.R.E (financial independence retire early) became popular in the last few years, a big question was asked: How would the early retirees fared when the market goes down? Since the start of the year, the market has gone down 20-30% at various points. I did not […]

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Singapore Savings Bonds SSB May 2020 Issue Yields 1.39% for 10 Year and 0.96% for 1 Year

Here is a higher yielding, safe way to save your money that you have no idea when you will need to use it, or your emergency fund. The May 2020’s SSB bonds yield an interest rate of 1.39%/yr for the next 10 years. You can apply through ATM or Internet Banking via the three banks […]

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Now UOB Reduces the Bonus Interest You can Earn on Your UOB One Account.

So after DBS reduce the bonus interest on their DBS Multiplier Account, it is UOB’s turned to reduce the bonus interest on their UOB One Account. The UOB One have been a popular account among many because you would only need to fulfill $500 a month of credit card spend plus 3 GIRO transactions / […]

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DBS Multiplier Bonus Interest on First $25,000 Reduces Slightly By 0.08% to 0.25%

A quarter after DBS announced that they will change how they handle the bonus interest to their popular DBS Multiplier accounts, they announce a reduction in Bonus interest rates for the first S$25,000 deposits. This morning, DBS published an important revision notice for the interest rate for Income + 1 transactions in 1 category with […]

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What is the S$NEER? How MAS Manages Singapore’s Monetary Policy with IT

I received an email from Chuin Ting, CEO of MoneyOwl a few days ago. It was an internal education sharing by their head of Corporate Business, David Yap on how we should look at MAS upcoming monetary policy posture. Before coming to MoneyOwl, David used to work in the trading of market instruments and foreign […]

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Retiring into a 2020 Bear Market. The First Three Months.

Well obviously not me since most readers know I am still working. I am not going to be that financial influencer who touts the virtues of retiring early, only to buffer their anxiety with blog income on the side. One of the key risks that I bring up frequently (in my Retirement Planning Series) when […]

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