Author: KPO and CZM

Honeymoon to the United States – 2 Days 2 Nights in San Francisco

Continued from our previous post – Honeymoon to the United States – 3 Days 2 Nights in New YorkWe took the domestic Alaska flight from EWR airport to San Francisco. Guess what, the flight duration from NY to SF is more than 6 hours! That’s enough for us to fly from Singapore to Japan? I didn’t know America is so huge (okay I am a sua ku). Thankfully, due to the time difference between NY and SF, we managed to “fly back in time” and reached SF around 10pm. We checked in at the nearby Four Points by Sheraton...

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Portfolio Performance in 2018

Let’s take a look at how our overall portfolio did for the year 2018. If you prefer looking at a graph. Ideally, the red line should be above the orange line >.<” For the year 2018, our portfolio time-weighted return was -10.37% vs -6.63% (ES3: STI ETF). The overall performance since 2014 is -1.56% (time-weighted return) and 0.35% (XIRR). This is pretty bad and I will go into details later. If you are wondering what is the difference between time-weighted return and XIRR, do read this article by common fund. In short, XIRR takes cash flows into account while time-weighted return does not so the way they...

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Honeymoon to the United States – 3 Days 2 Nights in New York

We had an extremely packed itinerary and were in New York for just 3 days before flying to the West Coast. The main reason why we flew into New York first is that Singapore Airlines only operates A380 (Suites) to/from New York (JFK). I will be sharing our actual itinerary vs what we did on that day (after all things do not always go according to plan) so that you can learn from our mistakes or take note of the costs/expenses incurred. My memory is not good but fortunately/unfortunately, Google is constantly tracking us. Day 1 Expectation: 2:00 PM – New York...

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Our CPF 2018

We did not want to reveal too much of our CPF previously because the salary could potentially be computed by reversing the numbers. However, since our monthly salary has already exceeded the contribution cap (the Ordinary Wage Ceiling which is currently capped at $6,000), we can now review the numbers and the interest that was credited a few days ago! KPO’s CPF I was transferring OA to SA for higher interest once I started working and blogged about it here – CPF Milestone ($40k in Special Account) and The Power of Compound Interest. I stopped transferring and began to build up...

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Thank You Cathay Pacific! Another First Class Flight on American Airlines

By now, you should have seen news about Cathay Pacific selling cheap Business and First Class ticket at Economy prices on the first day of the year. That was how CZM and I were spending our morning! Even though the tickets were really cheap, we could not decide on when and where to go. CZM has this month end stuff at the start of the month (it doesn’t make sense to me) so technically, we can only travel from mid-month to the end of the month. It becomes more complicated when you add in quarter and financial year end....

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Portfolio – December 2018

Our new year has been pretty exciting when we woke up to news of Cathay First Class bug/glitch and managed to snatch 2 return First Class ticket to Washington (IAD) from Vietnam, Hanoi (HAN) at ~1.4k USD each. Definitely not expecting to fly First Class again but let’s see if Cathay will be honouring the fares/tickets. Our portfolio decrease by -0.87% to $352,744 – $3,368.19 of capital injection and -$6,469.65 of capital gain. The one in blue is the StashAway portfolio, green is SGX and the total is in black. If you prefer to look at numbers, this is the raw data used to generate the above bar graph. These...

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Ten Lessons Learnt from the Wedding

Like any major project, I was discussing with KPO the other day whether we should have an After Action Review for our wedding. Of course we will not be holding any more wedding, but hopefully this can benefit other future couples who are intending to tie the knot. So below are the ten things which we feel that we have done correctly / it can be improved: 1. Choose your wedding venue early We started looking for wedding venues a year and a half in advance. As such, we were spoilt with choices as all the venues we inquired...

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New Strategy: StashAway + Supplementary Retirement Scheme (SRS)

One can now invest your money in the Supplementary Retirement Scheme (SRS) account with StashAway as seen here – Take your SRS funds further. If you are not familiar with SRS, I suggest reading up more first (Kyith from InvestmentMoats recently blogged about it – I Spent $1 to Open a SRS Account to Fix the Withdrawal Age). Generally, it is more beneficial for people with a higher tax bracket. The statutory retirement age is currently at 62 and one can make withdrawals over the next 10 years after the first penalty-free withdrawal where only 50% of the withdrawal amount will be subjected tax....

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2018 Net Worth

Let me start by wishing everyone a happy 2019! Time flies! Another year has passed in a blink of an eye, did you manage to achieve your 2018 new year resolutions? If not, it is ok (I have been trying to lose weight every single year and finally did it this year. Hahaha), just set new resolutions today and work towards them starting tomorrow! Net worth is easily one of the most important financial numbers one should know. It is like your personal balance sheet. This is the classic comic where everyone is actually poorer than the beggar who...

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Expenses – November 2018

November expenses were crazily high (5 digits!!) as well due to our honeymoon to the United States. You can read about our honeymoon here (more to come!):– Singapore Airlines Suites Experience – The Private Room– Singapore Airlines Suites Experience – SQ26 Singapore to New York– Honeymoon to the United States – Renting a $275,888 Mercedes Benz Convertible with Hertz Current Profile: 28 years old male who got married recently and is still living with his parents. Staying separately with his wife while waiting for the BTO project to be completed next year. You can read more about how we manage our finances here....

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StashAway – November 2018

This is an extremely overdue post too! Blogging about our honeymoon was definitely more fun than the red red market/expenses. On top of that, I bought a new PS4 game so you can guess where my time went >.<“ 1. ACCOUNT SUMMARY (as of the last day of the month) Based on the statement (31 November 2018), we gained $31.75. As of 23 December 2018, the total return went negative to -$653.99! We lost -$917.07 from investment returns with a currency impact of  $263.08.  SGD time-weighted returns: -10.0%USD time-weighted returns: -13.7% Wow. I guess this is the first time I see a double-digit loss from StashAway. This kind of...

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Honeymoon to the United States – Renting a $275,888 Mercedes Benz Convertible with Hertz

CZM favorite car has always been a Mini Cooper (I am guessing she was under the influence of Mr. Bean). She wanted a Mini Cooper as our wedding car but both of us could not bear to part with $450-500 just for a day where we will barely get to use/drive it. In the end, we decided to save the money by not renting any car for our wedding and spend it on our honeymoon instead. However, after the wedding, we realized that Mini Cooper was not available for rental (most probably due to the location?). Not to mention, we...

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Portfolio – November 2018

I know that this is way overdue! We just came back from our honeymoon and CZM has been very hardworking, blogging about our wedding and suites experiences (to my surprise!) so I decided to take a step back and give her some air blog time. Do take a look at these articles written by her if you have not. I think the way she writes is pretty entertaining! Well, I could just be biased. Hahahaha. – An Honest and Brutal Wedding Vendors Review– Singapore Airlines Suites Experience – The Private Room– Singapore Airlines Suites Experience – SQ26 Singapore to...

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Portfolio – November 2018

I know that this is way overdue! We just came back from our honeymoon and CZM has been very hardworking, blogging about our wedding and suites experiences (to my surprise!) so I decided to take a step back and give her some air blog time. Do take a look at these articles written by her if you have not. I think the way she writes is pretty entertaining! Well, I could just be biased. Hahahaha. – An Honest and Brutal Wedding Vendors Review– Singapore Airlines Suites Experience – The Private Room– Singapore Airlines Suites Experience – SQ26 Singapore to...

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Singapore Airlines Suites Experience – SQ26 Singapore to New York

Having only taken Economy flights for our whole lives, we are always envious of those people taking the premium flights as they are always the first to board and leave the plane. Hence, we were so excited when SIA make the announcement to invite Suite Class passengers to board the plane, to the envy of all other passengers (#childish). As we entered the A380 plane, the air stewardess and stewards greeted us by our surnames and brought us to our seats. They self-introduced and informed us that they would be attending to our needs throughout the flight. They asked if...

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