For my Future, I Took a Big Leap of Faith (70% Invested)

Hi everyone,

This will be a short post summarizing my current portfolio and feelings, and to garner feedback and opinion.

In a span of 3 months, i have invested into 9 additional counters – I am now vested in 13 counters altogether, with <70% of my net worth invested in equities, sitting on a -8% portfolio lost.

Although i’ve always believed in investing for the long term, i found myself to be quite the trader. This crash however, has forced me to really adopt the approach and mindset of a long-term investor.

I will never know when the market will sink further, or when the market will rally, it is too irrational. Therefore i have been busy pouring my cash into companies with long-term growth prospects, in terms of capital gains and dividend yield (excluding JD).

Nonetheless, i have a few wildcards such as Mapletree NAC Trust and United Hampshire REIT. These are counters that i am as of now, uncertain about their future. They make up 4% and 5% of my portfolio respectively.

My Portfolio:

– Singtel
– Nikko STI ETF
– ST Engineering
– Capitaland
– Manulife REIT
– Capitamall Trust
– Capitacom Trust
– Mapletree NAC Trust
– United Hampshire Reit
– Citigroup

Of course, i have been really worried about my portfolio, as it is after all a huge sum, and a big big big bulk of my total assets. I now truly understand how important mental fortitude is for an investor. It is so hard to ignore the daily losses and fluctuations.

As a 24 year old university student, i thank god that i have the next 2 to 3 years to sit this out without much debts or financial obligation.

Do share, what are your thoughts on my portfolio?


Turning 25 and Looking to the Future

There really is so much in my head that i wish to write about, but i don’t know how to write them in a coherent and TLDR manner. In any case, i would just like to say that this market has got me going bonkers!

When the markets were at its lowest in March 2020, i stayed away and promised myself that i would be patient as i knew, and foresaw that the situation was going to be much worse than it already was.

Nevertheless, the unprecedented rally that followed next baffled me and i thus threw away all my common sense. I gave in to euphoria and the fear of missing out, as such i bought many counters which i will soon talk about. Funny enough, each time i made a buy transaction, there was this small voice telling me that it was still too soon and too early, if only i had listened!

Fast forward to where we are now, the rally has ceased and for the past 2 weeks, markets have been edging down due to a second wave of infections across the world, especially in the US.

I like to think of myself as a long-term investor, but these past 2 months have clearly shown me that i have not learned to be one. I like to think of myself as someone who can control his emotional buy and sells well, but my recent transactions have proved me wrong as well. Although i am sitting on a pile of regret, there is something in me that believes the counters i currently hold are stable, healthy ones that in the long-term will pay off (maybe im delusional).

I made 11 buy transactions in the past 2 months, of which only 1 felt right and paid off. I can manage just about 1 or 2 more buy transactions before i deplete my warchest.

Bought Capitaland at $2.97 – This was well analysed by myself back in April, but i am surprised and disappointed that its been dropping steadily. I am looking to accumulate if possible at $2.80.

Bought Manulife REIT at $0.705 – one of my favorite counters. Strong DPU, steady growth, good gearing, healthy financials. I am just worried about the current deteriorating situation in the US as well as the 100% exposure to the US market. Nevertheless, WALE is good and i am confident of MUST in the long run too.

Bought American Express at $85 – reached $113 but greed prevented me from selling and i thus sold it at $109 for a small profit.

Bought ST Engineering at $3.1 – another favourite counter, it is what i would call a staple. Shame it dropped from 3.5 last week to 3.2 now. If it falls below $3.10, i will definitely accumulate.

Bought United Hampshire Reit at $0.58 – averaged down to a current average price of $0.76, which is not even the 52 week high level due to the steep drop right after its IPO. I love the portfolio and the tenants of this *recession proof* stock, however i clearly signed up at the wrong period and am sitting on a big loss. This i have no doubt i would have to hold for at least another 3 years before i can make some profit.

Bought Singtel at $2.49 – averaged down to a price of $3.2, which is still too much higher (i first bought it at $3.84 3 years back). A company that i have lots of respect for, at this point i am certain i will have to hold it for also another 3 years minimum. Ill treat it as a dividend machine in my portfolio.

Bought OCBC at $9.10 – this is obviously a long-term play. Looking to accumulate at $8.50.

Bought Citigroup at $60 and subsequently at $51.50 – now this is a transaction that i have been beating myself up over. When the markets were rallying quickly 3 weeks back, i bought into the euphoria and let my emotions took over. I FOMOed and quickly bought Citi at a high of $60, before realizing my mistake and averaging down to $57.

Bought Capitacom at $1.88 – This was a day after Citi, and i did the same emotional mistake as i had with Citi. Looking to average down/ hold for the long term and await merger news with capitamall trust.

Bought IBM at $122 – this is my latest buy that i like, albeit a little too early as it is currently $116. Im in this for the long run and i see great potential in IBM. + the dividend is great as well. Cloud is the future 🙂

TLDR, i am currently $70,000 invested in equities and am sitting on a -13% loss. Paper loss no doubt worries and pains me, but with 2 years to graduation and probably 3 to marriage, i am confident of being able to hold these counters for at least the next 3 years. To me, most or all of them are strong companies with good records that i am confident will be able to tide through this COVID-19 situation.

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What do you guys think? Please do not hesitate to throw out any advice/opinions!

I Spent $13,000 on Stocks in April

I’ve went and done it. Yeap. Spent it. Bought it. Whatever you call it. After many weeks and days of scouring the market and keeping tabs, i finally spent a big amount on accumulating some of the stocks that i personally feel are a value buy and a value add to my portfolio.

Within a month, i spent SGD 13,000 on stocks. 2 from the SGX, and 1 from the USX. I’ll cut straight to the point – Capitaland, Manulife US REIT, and American Express.

These are counters that i love, and have been eyeing for quite awhile. Albeit just slightly above the price that i wanted to capture them at, i still made the buy action.

Now, no matter how i tried to rationalise the market, the odds are there will be a drop in the near future, perhaps not as big as the one in March, but still a drop. So why did i still make these buy actions? Well, there are a few reasons.

1. Gut Feel. That visceral feeling in me that said “buy it”! I’ve been bitten quite a few times from not trusting my gut but instead trusting logic, and this time round i am going to trust myself.

2. Long-term. I’m not going into these 3 counters to make a quick buck, but instead im ready to hold onto them for a few years. They are strong stocks with good management, excellent balance sheets, strong dividend and distributions, and so on.

3. For my overall long-term vision. With these investments, i currently have 20% in the stock market and the rest in bonds, liquid cash, etfs and so on. Over the next 1 year, i plan to have 50% in total in the stock market. As a student with not much monetary obligations (for now), i have the capacity to weather through bad times and i do not foresee myself needing this 50% that i will be investing in the stock market over the next 3 years. This is the perfect time for me to increase my exposure and to take on more risk, i will not be able to do so in the future once i settle down and have more financial obligations.

4. Opportunity to average down. Although i strongly believe in the saying “money not made is money not lost”, i also believe that i would be a fool to consistently throw away opportunities that come my way. Should the market go up, great! But should it go down, sure, i’ll average down in tranches and invest in counters that i feel are worth accumulating.

And that’s about it for today’s post. Please share with me what do you guys think? I love hearing about your opinions and comments!

P.S. I’m looking to accumulate more of United Hampshire REIT & Singtel.

(I know i know, i am contradicting my previous post, but i did mention to buy in tranches!)

My 2 Cents on the Current Recovery

Hey folks,

About a month ago, the world was in full-on trepidation and panic.

Will we ever find a vaccine? Is this worse than the great depression? Will this last longer than 2008? How many more people will die? Will Singapore go into lock-down?

There was so much ambiguity and uncertainty, and it was reflected exactly in the markets. Funny enough, none of our questions have been answered, but today the market is looking jubilant and has been rallying.

This is human nature, where we are adapting to the uncertainty and slowly understanding that this it the new norm. This is human nature, where many regret their sell-offs and rush to buyback fearing that they will miss the boat. I myself have had such a difficult time staying my hand from click on the “Buy” button.

The problem is, this is exactly the herd sentiment. Many have forgotten to take a step back and look at the big picture, instead they are trusting in the stimulus packages that are being rolled out all over the world.

Once they take a step back, they will notice that today there are 1.5 million COVID patients, and the death toll keeps on seeing new daily highs. In US itself, millions of jobs have been lost and the amount of hours add up to 195 million lost of full-time jobs. Singapore is in a circuit breaker mode, meaning that less cash will be going around our economy at least over the next month. I myself have had many friends who had their salaries cut or been retrenched over the past 2 weeks.

The loss of jobs, the rush to keep cash, etc. All of these are compounding factors that are like a snowball effect, and their consequences will be seen over time.

As much as i would like our economy and the global economy to recover, i know that this is at least minimally a a year away. There will be bigger shocks, bigger losses, and bigger consequences in the near future. Company earnings will be devastating and so will be the GDP results of many nations.

I do not think that we have reached the bottom and i genuinely do not think that it is wise to buy into the rally now.

My 2 cents will be to stay your hand for now, buy in tranches to average down if you must, and sell during the occasional short rallies. We still have a long way to go, and i am particularly worried about REITs.

My First Stock Market Meltdown

“This is really happening, isn’t it?” This is a thought that I’ve been battling with for the past 2 weeks, and I am certain I’m not the only one. Within a short span of time, the Coronavirus has managed to drag markets around the world down to their knees, and some are already in recession/bear territory.

Let’s be honest, we have all been expecting the bull market to end, just not this way and not so soon. And by soon I mean at a frightening pace that most people like me would not have had the time to pull their investments out in time. Within 2 weeks, I have seen my portfolio go from a +5% to -40%, and it is indeed frightening.

I’m not gonna lie, I am scared shitless. My current holdings which amount to about 10 thousand dollars in unrealized losses currently make up about 30% of my portfolio, and I have another 20% held up in government bonds. My heart breaks seeing the dollars I have scrimped and saved one by one being drained away by the coronavirus situation. Nevertheless, it is during extreme situations like this when one’s capabilities as an investor shines.

This is the first time I’m witnessing a meltdown, and what’s more,I am caught right in the middle of it. Years of investing, saving, working, down the drain just like this. I have been beating myself up a little over the fact that I knew this was coming. When the situation was growing in Wuhan, I had a premonition that all hell was about to break loose, and within a single month in February, I offloaded Raffles Medical, Lendlease REIT, Suntec REIT, and ST engineering. However, the greedy devil inside of me forced my hand from offloading Mapletree NAC trust and Singtel, as they were making minimal losses at that point of time. What’s more, I impulsively subscribed to United Hampshire REIT’s IPO when I knew that it would tank. But what’s done is done, and there is no point hating myself over it. Just imagine if I had not offloaded the 4 counters, or the opposite, imagine if I had offloaded everything when my gut feel told me to. Things would have been pretty different.

True enough, economies are going to suffer, industries will be hit badly, and on a global scale things really do not look good. Although this pandemic is not on the scale of SARS, which is why investors like us are fearing, history still serves a good lesson and that is that what goes down, will come back up.

Moving forward, what should we as investors do? Or more like what did I do?

Firstly, I looked at the fundamentals of my current holdings. All 3 have iron sponsors, have had good credit standings, are leading players in their industries (except United Hampshire), and distribute consistent dividends (>5%). Nonetheless, United Hampshire is a very unique REIT with good fundamentals and a high payout.

Secondly, I took a step back and brought myself back to ground by assessing that even if for the short term, markets suffer and we sink into a recession, the cyclical nature of the economy dictates that it will rebound so as long as I am able to hold on to these counters without selling them due to fear/impulsiveness/urgent need of cash, I will be able to ride this out + obtain dividends.

Lastly, I intend to average down with what remains of my spendable capital. That amounts to another 15 thousand or so. This is so that I do not miss out on the opportunity to buy value stocks at a good price.

So there you have it, this is my first time witnessing a crash and being in the thick of it, and here is my gambit moving forward. Although I am sitting on 10K/40% losses, I will not panic, and will keep calm.

We are all in this together, stay strong!

2020 Expectations & 2019 Review

It’s amazing, really. Each time i revisit this site to update with a post, i arrive at a sudden realization that 3 to 5 months has passed since my previous post. It really is time i change my title to “The 24 year Old…”, man i’m old.

Before i delve into my financial strategy and expectations for 2020, i would like to reflect on my 2019 journey as well as to wish everyone a Happy Chinese New Year, may the year of the rat (my year :D) be a blessed and peaceful year for all.


Looking back at my past few years, my XIRR has somewhat grown (apart from 2018 where there was a cyclical downturn). As a reserved investor with a low level of risk appetite, i am satisfied with my average rate of return of about 8%.


Nevertheless, i am a little disappointed that my portfolio dividend has dropped in 2019 as compared to 2018. This is not in line with my goal of a passive income portfolio. As a matter of fact, my current portfolio has totally diverged from my ideal portfolio. I have mostly sold off my REITS for capital gains and am sitting on many finance industry counters which i will share in this post as well.

In 2019 itself, i made 12 buy transactions and made 13 sell transactions. Some for a small profit and some for a better than expected capital gain. However, it is with great shame that i am still siting on a >$1K loss on the Singtel counter even after holding on to it for the past 3 years. As it stands, my only other loss driver is Raffles Medical.

Moreover, i have sold off my ABF SG BOND ETF and am waiting to sell of my NIKKO STI ETF as well. I will be pouring my proceeds from these etfs into Stashaway, as i want some exposure to the US market.

Last but not least, a few posts ago, i was lamenting about how i was not able to secure a scholarship. At that point in time i was feeling incredibly down and out, and with that said, i would like to share the great news that i have been accepted into a scholarship program with a company and am now bonded to them after graduation! I worked really really hard for this so when i received the acceptance news i was over the moon. God is great and i am so very thankful for the opportunity. The pressure is however more present than eve as i am required to maintain a GPA of more than 3.7/4.0 at all times given any semester.

2019 in a nutshell was full of ups and downs, but it was fruitful and i learnt many things. I ended 2019 sitting on 9 equity counters and 2 bond positions, as below. Come 2020, i expect to see a shift in my investing direction.




It hasn’t even been a full month since the start of the new year but already things are uncertain and shaky. Wuhan Virus, Trump’s Impeachment, Trade Deals/Wars, Iran/US Dispute, and many others. While these are all big news that will impact global markets, i will strive to ignore the noise and focus on my long-term strategy. I feel that the current longest bull run will continue to tick upwards at least for the next 3 to 6 months.

This year, i will aim to offload low yielding shares such as Raffles Medical at a right price and accumulate high yielding REITs as well as average yielding blue chips such as the big banks. This is to increase my overall portfolio yield, which currently only sits at about 3.62%. However, i do see great long-term potential in the Raffles Medical counter and at its current price of $1.00, i feel that it is a good price to enter and i plan to accumulate right after writing this posts.

Some stocks with great prospects that i am looking to accumulate: Singtel, Raffles Medical, Wilmar, Riverstone Holdings.

With the current REITs pricing, i find it a little too pricey to enter most counters and i find the REITs market extremely overvalued. Apart from Ascott Reit (which i am monitoring because of the wuhan crisis) and Frasers H-Trust, i will not be entering any of the REITs given their current overpriced situation.


In 2019, i spent an estimated total of $10,600 on personal expenditure. This excludes utilities, and my average monthly expenses were about $500-$600. This year, i aim to bring this down to about $400 each month as i have been digging deep into my savings the past year.

That more or less wraps up what i have to share, and i wish everyone a BIG HUAT HAPPY CHINESE NEW YEAR! Thank you for taking the time to read, and please do comment below should you have any queries or would like to discuss anything! 😀

In such turbulent and uncertain markets, what should i do?

“Wa shit la.” , “Walao what is this Donald Trump trying to do this time?!” , “Huh?! More tariffs? They crazy ah?!”, “Siao liao what do i do?”.

These were intuitive words and thoughts that i have found myself evoking often the past few months, and i’m certain i’m not the only one who has reacted this way. Ever since May this year, our markets have been performing badly.

With so many macro and global factors like Brexit, the Trade War, increasing natural disasters, the increased likelihood of Germany going into recession, and “market indicators” signalling a downturn/recession is near, it is no wonder everyone is apprehensive, taking a defensive stance, and waiting to act.

Even though i have been overwhelmingly busy with my university life as well as my summer activities in campus, i am constantly worrying about my portfolio. To catch you up quickly, within the past 3 months my portfolio went from +2.5% to – 4%, and i am currently sitting on about SGD $2,000 unrealised loss. While this may seem like a small amount to sum, it is very huge to me as i am after all just a university student.

Nevertheless, i am glad that i did not panic sell last month when many others did, i managed to hold on to my more volatile counters like CDL until they reached a breakeven price before i sold them off. Recent buys of mine include Capitaland Retail China trust, which i sold off within 10 days for a small gain, Keppel Corp, which i unfortunately purchased at a price much more than the current market value, and Raffles Medical, which is a similar case to Keppel. In my opinion, we will not be seeing a recession as soon as we think, i trust my gut.. *gulps*.

My portfolio this year is vastly different from that of last year, my yield has sharply decreased as i am now holding on to only 1 REIT as compared to last year where i had about 4 to 5. Only now have i realized that i have shifted off from my track and goal of being a passive dividend investor.

Thus, my plan moving forward is to offload my current holdings as much as possible and reinvest them such that my portfolio is back to my desired weightage of 70% REITs. As i am positive that our market will see an upward trend soon, i will be holding on to my trailing counters and will sell them off upon reaching breakeven point. I am also contemplating stopping my monthly investments into the Nikko AM STI ETF as the returns have been so dismal and atrocious…

For an overview of my current portfolio as well as what i intend to purchase when the price is right,

My current holdings are:

  1. DBS
  2. UOB
  3. Singtel
  4. Keppel Corp
  5. Raffles Medical
  6. ManulifeReit USD

Clearly, these are blue chip and supposedly defensive stocks, however you may be surprised at what bad investments they turned out to be so far for me hahaha… looking at you Singtel, Keppel, Raffles Medical. Jokes aside, these 3 have great potential and upside in the long-run, and if i do not see a right price to offload them , i intend to keep them for the long-term

What is on my watchlist?

  1. Cache Logistics Trust
  2. CDL Hospitality Trust
  3. IREIT Global
  4. Sasseur Reit
  5. ST Engineering

Evidently, i do not intend to avoid the market uncertainty but instead have plans to face it head on and act when the price is right. Even if, touch wood, lets say we do face a bad downturn, i am certain i’ll be able to hold on to my counters for a good 3 to 5 years, as i am currently a 23 year old university students with no debts nor family to support yet.

As for personal finance, i am currently financing my daily expenses with my tuition revenue, which is about a mere $200 a month. This is in addition to the dividends coming from my 3.7% annual yield of my portfolio.

What about you guys? I would really like to hear what your action plan for investing is like moving forward in these times of uncertainty and turbulence.

Helpless days where we feel like failures.

May,  a month of disappointment and devastation. Nothing seems to be going right in most aspects of my life, i offer my sincere advance apologies for what will seem like a rant to most of you.

Since university started, i’ve dedicated time and effort to pursue excellence in both my studies and my CCAs , all in hopes of receiving a scholarship to fund my education. And although i’ve achieved a full GPA for 2 semesters, i apparently do not impress during interviews with organizations. I’ll never know the reason why but i know that i only have myself to blame. True enough it could be that my personality and values do not align with the organization/s that i have applied for, but the weight of rejection is hard to swallow after all the time, effort, and dedication i have committed. Be it CCAs, Communtiy Service, or Grades, i have striven for excellence and am glad to say that i believe i have excelled in all these aspects. Nonetheless this only makes rejection harder and only exacerbates the insecurity in me. The question of “am i really not good enough?” constantly eats at me and my motivation and drive is slipping away by the day.

To make things worse, i’ve always thought of my investment journey as a redeeming factor of myself. But lately i’ve realised that i have been making plenty of wrong decisions when it comes to buying and selling, this has led to a big negative in my portfolio (Of course this is partly due to the trade war saga, which i feel that the sell off is once again unfounded, I did read an article where an economist discussed the impacts of the tariffs and concluded that the actual impact on economies will not be as massive as many claim it to be. The degree of how true this is is one that i will not vouch for, but one thing i am sure of is that it will have a negative impact.)

As i’m writing this i feel the dissatisfaction and disappointment with myself welling up, and i think deep down it is ultimately my pride and my ego that has taken the biggest hit. It is the hopes and expectations that really damages oneself.

Thank you for reading, i am sure better days will come. To those who are facing difficult times and feeling the same about yourself, stay strong and we’ll all bounce back stronger.

Trade War & Stocks

Wow, just like that 5 months have passed. My last post was back in December and to be honest i haven’t realized until i checked back today.

I’ve been so busy with university, and have just finished my freshman year. Needless to say it was crazy and hectic, nothing compared to the mundane lifestyle of national service nor the cheery carefree years of polytechnic.

That doesn’t mean i haven’t been active in my investing activities, these past few months have offered me many shocks and setbacks (thank you Donald Trump!) I’ve made several buy and sells and am currently holding on to 7 counters – CDL, Manulife Reit, Singtel, Starhill Global, UOB, Keppel Corp, and Raffles Medical. I’ve only just bought the last 2 a few days ago.

Nevertheless, the recent bombshell news by Trump has once again sent everything in a frenzy. I’m currently down 3% of my total portfolio with the deepest reds coming from Singtel and CDL. I plan to hold on to these two for as many years as i can.

I have almost exhausted my war chest with the recent Keppel Corp and Raffles Medical buys, if Friday’s implementation of new tariffs sends the market into a bloodbath, i will not be able to buy in and will have to once again resist myself from panic selling.

That being said, I’m confident of these 7 counters for long-term survival and prosperity, and therefore will be blinding myself from the hell to come over the next few months too. Sometimes it really is best not to get too caught up with news, analyst reports, and word-of-mouth jibber jabbers.


Takeaways of a 22 Year Old Investor (2018)

Season’s greetings and happy holidays to everyone! It has been awhile since i last posted, and today i am here to wrap up this frenzied year with a few important takeaways that I’ve learned.

What a horrid and traumatic second half of 2018 it has been. When the bull market raged on in the early half of this year, i had plenty of doubts and my intuition was screaming at me to sell for a small profit. However, greed and complacency restrained my hands.

With that said, that essentially caused me to currently be sitting on a – 6% portfolio loss.

Current Holdings:


For me, 2018 was a huge portfolio transformation. I sold and added many different counters, and these 7 (excluding Singapore Savings Bonds) are what i am left with. Singtel and City Developments Limited were impulse buys, are my current biggest losers, and are also my biggest regrets hahaha, you’ll understand why in my next few paragraphs.

Takeaway #1 – Research before Action 

Common sense yes? But easier said then done. When i first started out investing, i was scrupulous and fastidious in my research, be it qualitative or quantitative. Naturally, as time went on, i got lazier in my homework and occasionally i’ll find myself making purchase actions on a counter i had not even done much research on, just because i told myself  “Oh Blue Chip safe la, can invest. Now price not bad.”  or “Property has always been a solid investment, let’s just invest now.”. You see, even though my S.O.P and rule has always been research first no matter what, i still managed to break this golden rule and this has costed me. When i bought into Singtel, i did not bother to do research, else i would have found out that TPG’s entry was impending, consumer business was dropping, and that Telcos were about to enter into dangerous waters. Similarly, had i done prior research before buying into CDL, i would have realized that the property market was slowing down and speculations about new measures were ubiquitous.

For 2019, i will unmistakably be sticking to my S.O.P and Golden Rule, so as not to embarrass and bring myself unnecessary losses yet again.

Takeaway #2 – Diversification

Only in recent months have i realised the ultimate importance of diversification. When the markets dived badly in recent months, my reits suffered terribly. Thankfully, i had a little cushioning in the form of ST Engineering and Raffles Medical, different industries. Just imagine if i had invested purely for dividends and thrown all my money into Reits and Trusts, i cannot imagine the damage.

For 2019, i will aim to further diversify myself. I agree that i am still too skewered towards REITs at the moment, and i’ll change that if the opportunity arises. My sights are locked on DBS , UOB, and Venture. I’ll continue keeping a close watch on the market and these counters.

Takeaway #3 – Averaging Down

I used to think that averaging down was an idea not worth entertaining. To me, there were only two steps. Buy at a certain price, and sell when the time is right. Nonetheless, when i bought CDL, the property cooling measures kicked in the week after, and CDL skydived.  I panicked at first, and was devastated with my poor choice of action. After some cogitation, i entertained the idea of averaging down and bought CDL once again, albeit at a smaller quantity. Although the price now is still below the two instances where i bought CDL, there was a period where it went above and i witnessed first hand how averaging down can reduce your losses / increase your profits.

For 2019, i will not shy away from the idea of averaging down. If the time and price is right, i will definitely buy again into the same counter to average down my price or increase my possible profits.

Thoughts about 2019

With heavy losses in my portfolio, increased expenditure due to university, and a gloomy outlook for 2019, I march into the new year with a plenitude of pecuniary concerns.

The critical importance of saving money has been imbued and drilled into me from a very young age, and i am eternally grateful to my parents for that. Financial literacy is imperative in our current economy, especially in Singapore. With no breadwinner in my family, i am relieved that i possess a small cushion of emergency funds should i ever need it, and i owe this all my years of savings and making wise financial choices.

I do not expect a smooth sailing 2019, and as a matter of fact i do expect dark clouds for the early half of 2019. Nevertheless, i am optimistic about the economy and markets for the latter half of next year, and will continue striving and endeavoring.

As my previous student has already finished her PSLE, i currently do not have any tutees and will therefore have to look for another prospective student to fund my daily expenditure in university.


I wish everyone here a hopeful and blessed 2019, we are all in this together. If you’re ever feeling down and out, just remember that you are not alone and what goes down, must come up 🙂

P.S: Does anyone have a good savings account with better interest rates to recommend? I’m currently a 22 year old university student with no monthly income.