Author: A Path to Forever Financial Freedom (3Fs)

2018 XIRR Performance & Networth Updates

Time really flies these days when we are in our mid 30s, pegged by a combination of busy work and heavy loads of watching our children grow as each year past by. I wanted to wrap things up for the year given that I will be taking a holiday trip to Bali with my family for the next few days until Christmas, and wanted to do a reflection of my equity performance this year before I then wrap things up for 2018 on an overall scale. I received some good feedbacks last year on how I presented with my...

Find Out More

SIA Engineering – Is It Time To Buy This Company After 22% Decline This Year?

SIA Engineering has been an investor’s favorite for many years because of their moats servicing the maintenance and repair lines for various different airlines, with their own SIA planes taking up the majority of the recurring business. It does look like a defensive business because every capacity planes that are increasing each year would have to undergo maintenance one way or another. Over the years, the operating environment gets tougher due to longer maintenance interval perhaps as the quality gets more resilient for the newer next generation aircraft and there are many more competition in this small niche space...

Find Out More

Is Investing In Growth Always A Good Thing?

When investors like us invest in the stock market, the goal is always trying to grow our wealth over time.  Investors are generally thrilled by the prospect of growth in general, whether they are referring to their income, savings or even the companies that they invest in.  We just love things going in the “up” and “grow” direction. It is so tempting for investors to see their companies growing by double digit each year because i.) they expect the management to take the shareholder’s earnings and reinvest them to propel for further growth or ii.) Higher growth means higher...

Find Out More

Is Investing In Growth Always A Good Thing?

When investors like us invest in the stock market, the goal is always trying to grow our wealth over time.  Investors are generally thrilled by the prospect of growth in general, whether they are referring to their income, savings or even the companies that they invest in.  We just love things going in the “up” and “grow” direction. It is so tempting for investors to see their companies growing by double digit each year because i.) they expect the management to take the shareholder’s earnings and reinvest them to propel for further growth or ii.) Higher growth means higher...

Find Out More

Investing Action Bias Can Be Detrimental To Your Strategy

I was having a short holiday trip with my family to KL in the past week so I did not particularly overlook the market too much other than quickly checking for news at night when my children has fallen asleep. At times, I felt a bit guilty for ignoring my portfolio a little while I have some fun on the same side of the world. Then I quickly reminded myself for why should it be that way. While it is true that I literally did ” nothing” to the portfolio, I reminded myself of the strategies I employed for...

Find Out More

Investing Action Bias Can Be Detrimental To Your Strategy

I was having a short holiday trip with my family to KL in the past week so I did not particularly overlook the market too much other than quickly checking for news at night when my children has fallen asleep. At times, I felt a bit guilty for ignoring my portfolio a little while I have some fun on the same side of the world. Then I quickly reminded myself for why should it be that way. While it is true that I literally did ” nothing” to the portfolio, I reminded myself of the strategies I employed for...

Find Out More

Investing Is So Damn Tough You Are Right

To say that this has been a tough year for investment is an understatement. Investing, as a general form of growing your wealth is so damn tough that for one not to be losing money is sometimes already seen as a form of success. I can totally relate why many people avoided them like a plague because contrary to many popular beliefs, it can jolly well diminish your money. Imagine yourself being invested in Asian Pay TV Trust at the start of the year, having intrigued by its stuttering share price and a high dividend payout. You might have...

Find Out More

Recent Action – UMS

This is a recent strategy which I am experimenting on my CFD account which I will be explaining more in detail when I have the time to blog the full implementation on it. I recently opened a short position in UMS Holdings at the price of $0.66 for 50,000 shares. This was somewhat a different strategy I have for my main portfolio which focuses on dividend income strategy and will remain the core of it for the most part of things. UMS has been a very popular stock in the past 2 years due to their recent semi-conductor upcycle,...

Find Out More

Dividend Income Updates – Q4 FY2018

I am writing this dividend update quarterly in an attempt to compile my quarterly dividend performance for the year.  With a rising cost of living under the belt, in particular with the two kids in tow and hence require some bits of maintenance spend to keep hold, it can be particularly stressful to keep up with the expenses or cash outflow.  Many times, we are dependent on our sole income which comes from our source of salary which we received monthly. While these may be the norms in the beginning, it is not healthy to be overly dependent on...

Find Out More

Dividend Income Updates – Q4 FY2018

I am writing this dividend update quarterly in an attempt to compile my quarterly dividend performance for the year.  With a rising cost of living under the belt, in particular with the two kids in tow and hence require some bits of maintenance spend to keep hold, it can be particularly stressful to keep up with the expenses or cash outflow.  Many times, we are dependent on our sole income which comes from our source of salary which we received monthly. While these may be the norms in the beginning, it is not healthy to be overly dependent on...

Find Out More

CFD Experiment – Dividends Credited and Cost of Financing

Following my experiment using CFD account to purchase shares which I blogged here a few months ago, I have finally received my first dividend payout credited to my account. Although rather straightforward, but they operate somewhat a little differently from holding a normal ordinary shares account hence I wanted to document this for future users. For those who’ve read my past articles, you would have known that I have opened up an account with Cityindex and have tried to experiment leveraging through a series of different level financing. Being conservative since this is my first few encounters with leveraging instrument, I...

Find Out More

CFD Experiment – Dividends Credited and Cost of Financing

Following my experiment using CFD account to purchase shares which I blogged here a few months ago, I have finally received my first dividend payout credited to my account. Although rather straightforward, but they operate somewhat a little differently from holding a normal ordinary shares account hence I wanted to document this for future users. For those who’ve read my past articles, you would have known that I have opened up an account with Cityindex and have tried to experiment leveraging through a series of different level financing. Being conservative since this is my first few encounters with leveraging instrument, I...

Find Out More

5 Key Highlights From Hobee Q3 FY18 Results

Ho Bee Land Limited is a property developer and investing company which has developments in various parts of Australia, China and United Kingdom. The company has recently announced their Q3 FY18 results which brings about some of the key highlights: 1.) Rental Income has once again grown both year on year (up 28.3%) and quarter on quarter (up 26.1%) mainly due to the full quarterly contribution from Ropemaker Place (25 Ropemaker Street) which they acquired on 15 June 2018. Extrapolating this to full year, this means that rental income contributes more than $200m to the company’s recurring income base....

Find Out More

5 Key Highlights From Hobee Q3 FY18 Results

Ho Bee Land Limited is a property developer and investing company which has developments in various parts of Australia, China and United Kingdom.  The company has recently announced their Q3 FY18 results which brings about some of the key highlights:  1.) Rental Income has once again grown both year on year (up 28.3%) and quarter on quarter (up 26.1%) mainly due to the full quarterly contribution from Ropemaker Place (25 Ropemaker Street) which they acquired on 15 June 2018.  Extrapolating this to full year, this means that rental income contributes more than $200m to the company’s recurring income base....

Find Out More

My Thought Process On Discretionary Spending

First of all, apologies for the lack of posting as I just came back from my trip from Taiwan which my friends and I did our main objective of the trip which is to cycle. During our time there, we also witness a nice fireworks display and we also walked around a few of the night market. The topic that I wanted to write today however is about controlled spending, and this came up because my friends who were with me were asking why my spending was so low and how I manage my controlled spending, even though some...

Find Out More

Like us on Facebook

Follow us on Twitter