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Showing posts from February, 2017

Mid-year review: Goal met of $200k cash at 28. $400k+ net worth and Astrea bond V

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Half a year gone.

I still have not gotten my keys to my new home and am still childless. Ok, TMI.

On financial front, I've been seeing a steady increase in my net worth. As at my last update in end 2018, my net worth was at $372k.

Half a year later, I've successfully crossed $200k cash savings (previously it dropped as I topped up my MA) and exceeded $400k in networth. I may be able to hit $450k by end year but will just need to carve out some money for renovation and home stuff.

Most gains came from employment. While I lament how sick I am of work, it is my main source of $. I've not added any stocks and can never not live off my portfolio for passive income. It is with salary crediting that I've received 1.85-2% interest on my DBS multiplier anyway.

I've been thinking if I'm making my money work hard enough. I occasionally browse the SGX hoping to see some stocks to purchase, but am not comfortable enough to make the move.

Since Jan till date, my transactions …

Couple Talk: EC or Resale

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I've dated my partner for close to 5 years. I always joke that I gave him my youth (that's true).

5 years is a long time. I also joked about how if we're fortunate enough, we would already have a baby (好命的话,我的baby可能1岁咯). Unfortunately, we have been sorely unsuccessful in getting a flat. I probably am more anxious than him because I feel like I've an expiry date, and my biological clock is ticking. I know there are some stories of mummies at 40s and 50s, but I'd rather meet my goal of having kids before 30.

I used to think I'd get married and have kids at 23. Then it postponed to 25. And then to 26, and then to 28. It got delayed all because we have not secured our own home.

I want to start a family soon. But, without a flat to call our own. It's tough. We are not comfortable staying in each others' houses too. In-laws relations, proximity to workplaces and "it's never the same staying in someone else's home, cause it's never as comfort…

CIMB Fixed Deposit at >1.2% p.a

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Just applied for the CIMB FD at 1.2% for 6 months with $20k.


I have been thinking if I should apply for this or park my money into shares. Guess I'm not that stocks-savvy to take the plunge.

Regardless, this FD will earn me an interest of around $120. 

With my BOC Smartsaver max out at $60k, this 1.2% interest is slightly better than me leaving the remaining money in my Fastsaver. Will keep a look out for other deals to park my extra cash. Btw, the FDs promotions this year have been disappointing.

If you wish to apply for the CIMB F.D, do note that promotion ends on 13 February 2017.

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