Simple Budget, Simple Life

One month ago, I blogged about my SRS Game plan via Endowus here. Just an update (for my records) on the transactions I made on 24 Feb: SRS I talked about making my first 2022 transaction of $3,060 in Jan. Just yesterday, I did my 2nd $3,060 transaction in view of the dip in market. The amount is split between Dimensional Global Core and Emerging Markets Large Cap. 3 more $3,060 to deploy. I wonder how many more dips can I buy since it is just the start of the year and I've already deployed the second lol CPF OA investment I also made another $2k transaction from my CPF OA via Endowus to buy into Lion Global Infinity US 500 Stock Index Fund. I will continue to make small entry investments along the way. 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%). https://endowus.com/invite?code=FUKYD

Alas, after 2 years plus of avoiding Covid, my family has gotten it. I guess it's inevitable given that these few days, the stats has been 10k+. It could be even more since there are people who do self-testing and isolate at home without informing MOH. How it went 7 Feb, Monday - Close contact gotten ART positive. We tested ART negative.  8 Feb, Tuesday - We tested ART negative.  9 Feb, Wednesday - Mum tested ART positive. We tested ART negative. Husband started having sore throat. At night, he had fever. I feel ok. Husband and I started to isolate. 10 Feb, Thursday - Husband had high fever, 38deg+ on and off despite getting panadol. ART still negative. Then came itchy throat that developed into cough. No flu symptoms for me, except shoulder and neck aches. 11 Feb, Friday - Husband has been coughing all night. Decided to see doc under PHPC  where he only need to pay $10 for consultation and medicines (though meds have no use). A lot of patients and hence had to call in. Be prepared

PSA - I've just received my $100 cash reward from DBS today. Earlier, in Oct, I blogged about setting up my SRS account with DBS and topped up $10,001 to enjoy their cash rewards  and used the SRS amount to invest via Endowus. The cash reward is only applicable to the first 4,000 customers. Glad that I am eligible! If you've done the same when I blogged about it, do check if your cash rewards are in! Till then 🥳

I had insomnia on and off since forever. Yesterday's sleepless night sparked me to write my thoughts down - yeah, my brain was drafting out what I should write today. I dislike how my overactive brain works. While this is not a financial post, it is my personal reflection post and outlet. These have been recurrent issues I face. I hope by writing all these down, I can get rid of my negative and worrisome thoughts. After all, the new year is coming, and I want a good start to it. Work I attribute yesterday's insomnia to insecurity at my workplace. Although I am rather senior in the team, I feel like an imposter. And I feel that staff are judging me.  I feel extremely inferior when I compare myself with my team. My team is made up of elites - academic elites from overseas top universities and top JCs and a handful are social elites with rich family background - whereas I come from local university and mid-tier schools. Despite having stronger  experiences, I feel that my staff do

Back in 2021, I opened my SRS account to lock-in my withdrawal age at 62 and as another avenue to reduce my income tax. Blogged about it below: I finally set-up my SRS account and then DBS screws up Maximising my $10,001 SRS top-up with Endowus Best time to lock in your 62 yo withdrawal age is now - Endowus $40 referral bonus (usual - $20) till 31 Dec 2021With the  2022 SRS Game Plan via Endowus Now that it's 2022, I needed to start my SRS purchase again. This time, I will be pumping in the max of $15,300 cash to squeeze the max income tax relief. I had initially thought to delay this pump till later this year, as I wanted my cash to generate higher returns first, and then channel it to SRS. However, I decided to be more robotic about my SRS investment and DCA in. This means that I will Buy SRS at 5 different tranches, at $3060 each For the past weeks, the stock and crypto market has been dipping while awaiting the actual plan from the US Fed. Just last night, US Fed has released t

I never thought I would face this issue. After accumulating $300k cash, and feeling that I've kept too much dirty fiat with me, I've been investing aggressively. Aggressive may not mean smart. In fact, I am feeling stupid because my investments have been doing badly 🙃 As a quick summary, this is what I've been doing over the past year: Buying more REITS, just to name a few - Keppel dc, Ascendas, Capland China Buying more US stocks, just to name a few - Tesla, Roblox, Sea Converting SGD to USD for crypto Just on crypto alone, in midst of the recent drop, I've pumped in $15k SGD to buy BTC and ETH 🙃embodying BTFD in my blood very literally, within a week.  Am I worried? Of course! Each time I open my Tiger Broker + crypto apps, I see a blood of red. My limit orders on Gemini just keep setting off hahah. I've been doing what people call DCA, but man, the amount of transactions I made is quite crazy. I've also just started Anchor Protocol for it's lucrative

Back in 2020, I blogged about my 8 sources of passive income generating $600-$1,500 per month . It's not a consistent amount since a few of the sources were on-off like selling on Carousell. So, here's a refreshed version of my 2021 sources of passive income, the $ that comes with it and.... crypto joining the ranks. Here goes: 1. Stock Dividends - $4,962.3 Same as 2020, this remain one of the key sources of passive income given my REITS portfolio. I was heavy on REITS a year ago. But boy, how much things changed in a year. Currently, I am still very heavy on dividend generating stocks ~70%. CDP SG stocks: $2,510 for 2021 (portfolio value: ~$78k. Sitting on 12% paper loss) Tiger SG stocks: $995.10 for 2021 (portfolio value: ~$63k. Sitting on 2% paper gain) HK stocks: $1,445.2 for 2021 (portfolio value: ~$70k. Sitting on 8% paper loss) US stocks: $12 for 2021 (portfolio value: ~$34k. Sitting on 31% paper gains) Total Dividend: $4,962.30 on $245k portfolio. That's rather path