Author: KPO and CZM

StashAway – SGD Income Portfolio

I received an email in the morning that there is a new portfolio. This is the content of the email and you can read more about it here – Introducing Our Income Portfolio: I immediately logged in to take a deeper look. You need a minimum of SGD $10,000 for this portfolio as compared to its previously no minimum balance portfolio which is pretty high to start… The portfolio is denominated in SGD (no foreign currency risk) and is at 12% StashAway Risk Index. This means there is a 1% chance of losing >= 12% in any year (even during...

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StashAway – Exciting Changes

This is slightly old news as the email (15th Aug 2019) and re-optimization (28th Aug 2019) has already happened but thought I will still blog about it. We were pretty busy (Quick Update – Too Busy to Blog) during that period of time and I read through and proceeded with the re-optimization without taking any screenshots :( Anyway, I will not reinvent the wheel and you can read more in details on the new ETFs and re-optimization here:– We’ve Added New Asset Classes and Geographies to Your Investments– We’re Re-Optimising Your Portfolios For New Economic Conditions There is one...

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StashAway – July 2019

StashAway introduced some major changes around mid-August. The changes had did not affect July’s portfolio but I will briefly mention it here:– New and more ETFs– Re-optimisation of portfolio once changes are reviewed or automatically on 28th August – Computation of portfolio returns (total return, time-weighted return, and money-weighted return)  – UI changes More information can be found here – We’ve Added New Asset Classes and Geographies to Your Investments We stopped contributing to CZM SRS account because she will stop working soon – “Semi-Retirement” For CZM. Anyway, we have 3 portfolios on 2 accounts now due to our new...

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Soilbuild Business Space REIT (Not) Bad Preferential Offering

I received an SMS earlier today from SCB – corporate action. The first thing that came to mind was will this be dilutive or accretive? You should be able to guess it from the title of my post. To be honest, I have not been keeping up with the market news so this is new to me. Went to dig through the announcement and wanted to do a quick summary. Soilbuild REIT will be acquiring a new Grade A office building in Australia – 25 Grenfell Street, Adelaide for A$134.22 million (S$127.51 million) but will be paying approximately A$142.01 million (S$134.91...

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Quick Update – Too Busy to Blog

We have been pretty busy that I gave up time for blogging and gaming on PS4. I will try to publish the StashAway and Expenses backlogs before we travel next month! CZM Short-Lived “Semi-Retirement” Break I previously blogged about it here – “Semi-Retirement” For CZM. Long story short, CZM left her previous company and we were planning to do a 1-2 months RTW (Round the World) travel. However, a job opportunity came which would potentially disrupt our plan and her break and we were torn. There are pros and cons to taking up either option: – RTW: Enjoy life, experience rich, cash poor...

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Portfolio – July 2019

We have been busy with a lot of things – shopping and looking into renovation stuff for our new house (you are required to become an “expert” at a certain area, within a short period of time, make decisions based on your 三脚猫 knowledge and live with it for the rest of your lives ~.~), planning for the upcoming trip + next year once in a lifetime RTW (round the world) trip. We transferred out all our bank points on the same day and received the miles in the next few days except for BOC -.-“ Our KrisFlyer Miles...

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BTO Guide – 4 Things To Look Out For When Selecting Your Kitchen Sink

Our house is almost done with the tiling! It is about time to kick start the carpentry discussion process with our ID. Our ID has instructed us to start looking out for the refrigerator, kitchen sink, and bathroom sinks as this will affect the carpentry measurement. Hence, in this post, I will be sharing some of the tips I have gathered on kitchen sinks. Hopefully, it will be useful for new homeowners like us. 1. Kitchen Sink MaterialThere are many types of materials used for kitchen sink. Most common ones are stainless steel, copper and porcelain. Each has its...

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BTO Guide – Tips on Selecting Air Con

KPO and I have collected our keys about 2-3 months ago (see BTO HDB Key Collection & Door Opening Ceremony) and we have taken quite some time to select and shortlist our interior designer (ID). Now that we have locked down our ID and began our renovation, it is time to do some shopping for the house. One of the initial items after we kick-start our renovation process was to check out the air con as the wiring/piping installation needed to be done almost the same time as the electrical wiring. We googled quite a bit on the different types...

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Lazada x Anker Surprise Box

Lazada had its Mid-Year Festival/Sale recently and I decided to buy another surprise box again. I blogged about my purchase of a Lazada x Spigen Surprise Box (Lazada Surprise Box – Save or Waste Money?) a few months back and thought it was pretty decent. Lazada x Anker Surprise Box costs $49 on that day and we can sort of expect a wireless earphone, portable powerbank + a disappointing surprise. It was delivered to my house the next day. Lazada x Anker Surprise Box The box itself was a disappointment compared to the Spigen one. #NoEffort Upon opening the box…...

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StashAway – June 2019

We stopped contributing to CZM SRS account because she will stop working soon – “Semi-Retirement” For CZM. Anyway, we have 3 portfolios on 2 accounts now due to our new strategy – New Strategy: StashAway + Supplementary Retirement Scheme (SRS):KPO and CZM Cash – StashAway Risk Index 20% KPO SRS – StashAway Risk Index 13% CZM SRS – StashAway Risk Index 13% 1. PORTFOLIO SUMMARY (as of the last day of the month) KPO CZM Based on the statement (30 June 2019), KPO made $1,225.97 and CZM made $55.46. KPO CZM As of 15 July 2019, these are our portfolio performance:KPO: $21,794.97 (+18.7% – Capital: $20,000) CZM: $1,318.79 (+8.6% –...

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“Semi-Retirement” For CZM

Nope, we did not strike ToTo (I wish!) but we will be doing something most would not be doing. We dropped a teaser in our previous StashAway – May 2019 post stating that we will stop contributing to CZM’s SRS account. Did you manage to guess it correctly? CZM has resigned from her current job to take a “short” break after working for > 6 years, leading a semi-retired life. Yes, quitting without another job with the plan to travel! People leave a company for many reasons, usually a combination of both push (ridiculous hours, bad culture, etc.) and pull factors...

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Expenses – May 2019

I have been binge watching 4 seasons of Lucifer for the last few weeks (not really binge since it took me so long to complete everything), hence the delay in some of our posts. We went to the set/behind the scene during our Warner Bro’s Studio Tour at Hollywood last year (Honeymoon to the United States – 3 Days 2 Nights in Los Angeles) and I told myself I need to watch this show. This show is pretty similar to The Mentalist with the supernatural stuff (Angel, Devil, etc.). I like watching police/detective show/anime (Kindaichi and Detective Conan). Current Profile: 29...

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Kuala Lumpur Food Trail – 4 Days 3 Nights

I always loved the food in Malaysia, hence when I chanced upon a cheap Jetstar getaway promotion to Kuala Lumpur sometime in April, we booked it right away. The total cost of our flight was S$130+ for two pax, all-inclusive. Before I start on my food trail, the first thing people need to know about Malaysia and its food is that Malaysia has a huge variety of cuisines due to its melting pot of cultures, and Malaysians are extremely passionate about their food. As such, you can easily find good quality food by word-of-mouth and online reviews.  As we...

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WhatCard to Use?

Dexter from the WhatCard.sg team reached out and asked if we can do a small post on their “passion project”. I went to their site, played around for a few minutes and agreed to it. If you are wondering, this is not sponsored and I agreed to it because I thought this is really quite useful. They are not even charging or selling anything. Anyway, you can read more about them here.  Forget about which camp (cashback or miles) you belong to. All the credit cards have their own set of rules/T&Cs to follow, rewarding you for certain categories of...

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Portfolio – June 2019

We are back to the $400k portfolio and it is at an all-time high now. Thanks to G20 submit, no Trump drama/tweet, Fed lowering interest and many other unknown factors. lol. With half the year past, let’s take a look at our progress so far… The projected capital injection is $53,865 but we have only invested ~$6k+ so far. Nope, not for the fear of economic downturn/recession but for our house renovation. The projected portfolio should be at $431k and we are at $415k now. Not too bad :) Our portfolio increase by 5.77% to $415,611 – $3,395.99 of capital withdrawal and $26,072.13 of capital gain....

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