Author: Where got money

Investing, Uncertainty and Luck: Stock Market Statistics

March 14, 2019Ben This is a two part series on uncertainty and luck in the stock market. Read part one here! (On hindsight, this post should have been part one. But we live and learn.) In part one, I used an example of one of my stocks shooting up after I bought it. Guess what? A few days after that post, another of my ‘undervalued’ stock shot up! This leaves one more ‘undervalued’ stock that has yet to move anywhere. Maybe this post will do it. Part 2 covers some statistics on stock market returns. Don’t worry, not much...

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Singapore Savings Bond Comparison: Apr 18

March 2, 2019Ben This is a monthly series where I do a comparison of the current issue of the Singapore Savings Bond (SSB) against the past SSB issuances over the last ten years. If you have read this before, skip to the Yield Curve, Table and Thoughts sections. I’ve included an asterisk (*) at the end of the title to make them easier to find. MAS has been issuing the SSB every month for over three years now, and many Singaporeans will have heard of it before. They have even started advertising at bus stops and MRT stations. Here...

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Predicting Your CPF Minimum Sum

February 22, 2019Ben While looking through the government’s official data website, I chanced upon data about the CPF minimum sum. Since CPF is related to FIRE, I got curious about what the numbers will look like when I turn 55. I’m also curious when will the minimum sum hit 1 million. CPF Retirement Sum Scheme Here’s what happens in a nutshell. (More comprehensive information can be found on the CPF website.) The Retirement Sum Scheme is set up so that Singaporeans and Permanent Residents (PRs) will have a monthly income enough for a basic retirement. While working, Singaporeans and...

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Psychological Pitfalls In Investing (Part 1)

February 18, 2019Ben This post has ended up longer than expected. Thus, I have broken it up to two articles. Stay tuned for part two! As humans, we are built to think in certain ways, and they are prone to errors. In the investing world, these errors can be very expensive, and being aware of these can help your bottom line. It is my belief that investment performance is mostly determined psychologically, so here are some psychological pitfalls to be aware of. Survivorship Bias The most common example given is the one about World War II planes. In WWII,...

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Investing, Uncertainty and Luck: Areas of Control

February 10, 2019Ben This is a two part series on uncertainty and luck in the stock market. Stay tuned for part two! It goes without saying that investing comes with a certain degree of uncertainty. No one can predict where the market is going. Even with the safest government bonds, there is a chance that they will default (an extremely low chance, but still there). This means that a certain degree of luck comes into play when investing, since this is an area out of our control. Investing has an additional dimension which increases uncertainty as compared to other...

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Singapore Savings Bond Comparison: Mar 18

February 2, 2019 Ben This is a monthly series where I do a comparison of the current issue of the Singapore Savings Bond (SSB) against the past SSB issuances over the last ten years. MAS has been issuing the SSB every month for over three years now, and many Singaporeans will have heard of it before. They have even started advertising at bus stops and MRT stations. Here are the key benefits: (Virtually) Risk Free: Backed by Singapore Government with AAA credit rating (Almost) No Fees: There’s only a $2 fee when buying or selling Capital Guaranteed: You will...

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Why I pick stocks over ETFs

ETFs have been widely touted as the ideal investment for many retail investors: easily accessible, low cost, low maintenance and diversification (dependent on which ETF). There’s even the famous ten-year bet by Warren Buffet between low cost, diversified ETFs and actively managed hedge funds. Buffet won. So why do I pick stocks over dumping it all in an ETF? Beating The Market My goal is to beat the market by more than 5% per year over ten years or more. This can only be achieved through active management of your portfolio. By managing your own portfolio, you have control...

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2018 Yearly Update

January 16, 2019 Ben It has been 5 months since the start of this blog. A relatively short time. I can’t help but wonder what it will be like a year from now, when I’m writing the 2019 yearly review. In these short few months, I’ve already picked up some skills and gained more knowledge while blogging. I know for certain that 2019 will be better, and I hope that you have gained something while following my journey too. Goal: Healthier Eating There seems to be a trend regarding this goal… Not surprising My holiday expenses in December 2018...

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