Another Personal Finance and Investing Update

Apologies that I have not been posting any educational post lately. I have been procrastinating after finishing work each day that I did not really set aside time to do any reading or research.  In this post, I will be making a quick update on what happened for the past 2 month since my last…

Best Savings Products in Singapore (Updated November 2020)

Banks have been reducing interest rates for savings account in hopes of saving its own NIM. Recently, several savings products popped up to meet the needs of high yield savers. In this article, we will discuss the feasibility in using such products as an alternative to your usual savings account.

How to save $10k before ORD

As a NSF myself, I am always interested in reading articles about finances meant for NSF or youth in general. I recently chanced upon an article by The Woke Salaryman. In the article, he shares about the best things one can do for themself during NS. Among what is shared, saving $10k by ORD is…

How to Fund Your University Fees in Singapore

Congratulations on completing 12 or 13 years of schooling! For the JC students, you will be taking by far the most important exam in your whole life – A Level, which will decide where you will go in University. As for the Poly students, you should be either stressing out on your Final Year Project…

Low Interest Rate Environment – Should You Still Buy Banks?

Ask around investors who recently bought banks – be it DBS, OCBC or UOB. Many would say that they bought Banks because it offers an attractive dividend yield of more than 5% (before dividend cap) in this low interest rate environment. Many complain that REITs, once loved by dividend investors, now offer low dividend yield,…

A Quick Update on Personal Finance and Investing

I have been quite inactive for a while. Therefore, I have decided to make a quick update. This article will not be an educational one. It is more of a personal update on finance and investing. Personal Finance – Adjusting Allocation As shared in one of my previous articles, I have a budget allocation that…

Banks’ Dividend – Cash or Scrip?

The pandemic has resulted in the majority of the companies in the world to report less revenue and earnings. Banks’ earnings are under pressure this year especially from the fact that The Federal Reserve made the bold move of slashing interest rates to combat the impact of the pandemic to the economy. This resulted in…

Post SATS Financial Result Analysis

In the world of investing, there will be a small group of investors who believe in buying beaten down stocks as they see value in them. COVID-19 is an unprecedented event that affected most of the industries and the aviation industry is one of them that is severely impacted by the pandemic.  According to the…

3 Tools to Manage Your Finances

Sharing of tools that I use to manage my own finances, which also includes Google Spreadsheet that integrates Personal Finance and Investing in one.