Oct updates - mixed of bad, good news and Endowus updates

I was hopeful that this month would be a good month, but an event scarred this.


Last month, I started looking out for jobs aggressively. 

Of the 4 roles that I went into 2nd round for, I managed to get 2 offers this month. Of which one was my top choice. I was elated and thought this was a good start to the month. It also heartened me that I am still of value in the job market as I successfully negotiated a higher package despite the current situation. 

As I was pondering how to resign, when to resign, I got a shitty news from my company that scarred this month. It made clear to me the ugliest side of the company and the people and I'm glad I'm getting out of it.

I hope things will go well for me and nothing screws up my new role. If not, I'd have to rely on my husband for a while.


I haven't been saving much. Succumbed to buying a new iphone 14 pro despite getting the iphone 13 pro max last year. I thought I should treat myself for getting an offer. But on hindsight, I should be more wise with my spending given how my networth is negative growth this year. 

Spent $20k+ for something which I may talk about when I'm ready.

Electrical bill is expected to shoot up as my 1-year plan is ending soon.


Decided to load up CPF OA transactions on Endowus.

SRS - Dimensional Global Core and Emerging Markets Large Cap

  • Jan: $3,060
  • Feb: $3,060 
  • Mar: $3,060
  • Apr: $2,000
  • May: $2,000
  • Sep: $1,060
  • Oct: no action
Amount pumped: $24,241 (back in 2021, I've pumped $10,001)
Final $1,060 to pump by Dec 2022 to max $15,300 for SRS
Results: -13.60%

CPF OA investment - SPY500 LionGlobal

  • Jan: $1,000 + $1,000 at $2.625 and $2.623
  • Feb: $2,000 at $2.66
  • Mar: $2,000 + $2,000 at $2.605 and $2.679
  • Apr: $1,000 + $2,000 + $2,000 at $2.728, $2.592, $2.669
  • May: $5,000 + $1,000 at $2.448 and $2.418
  • Jun: $2,000 at $2.369
  • Jul: $2,000 at $2.46
  • Sep: $2,000 at $2.314
  • Oct: $2,000 at $2.421
Each transaction has fees of $2.68.

Amount pumped: $27,037.52
Results: -1.57%

Overall for Endowus: -7.26%

Net Worth

Lowest ever for 2022 (yet again): $645k

May Nov and Dec be kind to me.


Endowus Referral

If you are keen to embark on Endowus using your SRS, CPF OA or even cash, you may wish to use my link to enjoy $20 in Access Fee credit (equivalent to $10,000 advised free, assuming Access Fee of 0.40%).