March, 2025 - Careyourpresent

Building a FIRE Portfolio in Singapore: A Realistic Hybrid Approach That Balances Income & Growth

Posted on March 10, 2025March 8, 2025 by careyourpresent

This is a follow-up to my previous article:

FIRE and the Big Dilemma – Dividends vs Safe Withdrawal Rate: Which One Helps You Sleep at Night?

Do read if you have missed it!

In that last post, we explored the dividends vs. SWR dilemma faced by many in the FIRE (Financial Independence, Retire Early) movement.

The key question is, do you rely on dividends for passive income or withdraw a fixed percentage of your portfolio (SWR)?

Both strategies have their merits, but combining them could be the sweet spot for a psychologically comfortable and financially stable retirement.

Theory is theory, let’s have a practical example –

Singapore-based investor, with a $1.5M retirement portfolio, can use a hybrid approach to reach their goal of $5,000/month in passive income.

Why a Hybrid Approach to FIRE?

Let’s face it: relying entirely on dividends might sound tempting for peace of mind, but high-dividend stocks can limit long-term growth. Plus, companies can cut dividends, leaving you in a lurch. On the flip side, relying only on a Safe Withdrawal Rate (SWR) like 3.5% from global ETFs can be hard on your mind and psychology aspects — it feels odd to sell assets when markets are down, not many are able to do it.

That’s why the hybrid approach should work well:
✔ Dividend stocks & ETFs provide a steady passive income stream.
✔ Global index ETFs offer long-term growth and inflation protection, with the safety of a 3.5% SWR.
✔ A cash buffer helps manage market volatility and avoid panic selling.

This balance creates a retirement plan that’s not just financially sound, but psychologically comfortable.

Step 1: Portfolio Allocation ($1.5M Portfolio for $5K/month FIRE Goal)

We’ll structure the portfolio into:

40% in dividend stocks & ETFs (~$600,000) for steady income.
55% in global index ETFs (VWRA & EIMI) (~$825,000) for long-term growth with SWR.
5% in cash buffer (~$75,000) to provide safety in downturns. This should last you for 15 months of ~$5000 per month such that you can don’t draw down if you need especially in downturns.

Asset Type	% of Portfolio	Allocation ($)
Dividend Stocks & ETFs	40%	$600,000
Global Index ETFs (LSE-listed)	55%	$825,000
Cash Buffer	5%	$75,000
Total Portfolio	100%	$1.5M

Step 2: Dividend Portfolio (~$600,000 Allocation, ~5% Yield)

The dividend portion will focus on high-quality assets with strong cash flow and sustainable dividends. We’ll include:

Singapore Banks (DBS, UOB, OCBC) for stable and reliable dividends.
Net Cash Singapore Companies like Sheng Siong etc for low-risk, cash-rich companies.
NikkoAM-StraitsTrading Asia ex Japan REIT ETF for exposure to REITs across Asia.
SPDR STI ETF for broad exposure to Singapore’s top 30 companies.
VHYL (Vanguard FTSE All-World High Dividend Yield UCITS ETF) for global dividend exposure.

Dividend Portfolio Breakdown (~5% Yield)

Asset	Type	Allocation ($)	Dividend Yield	Estimated Dividends ($/year)
SG Banks (DBS, UOB, OCBC)	Financials	$150,000	~5.0%	$7,500
Net Cash Singapore Companies (Sheng Siong etc.)	Dividend Stocks	$100,000	~4.0%	$4,000
NikkoAM-StraitsTrading Asia ex Japan REIT ETF	Asia REIT ETF	$150,000	~5.0%	$7,500
SPDR STI ETF	Singapore Index	$100,000	~4.0%	$4,000
VHYL (Vanguard FTSE All-World High Dividend Yield UCITS ETF)	Global Dividend ETF	$100,000	~3.0%	$3,000
Total		$600,000	~5% avg	$26,000/year (~$2,167/month)

Why VHYL?

VHYL gives you global exposure to high-yield dividend companies, diversifying the portfolio beyond Singapore.
It maintains a 3.0% yield, adding strong, reliable income from global markets.

Step 3: Growth Portfolio (~$825,000 in LSE-listed ETFs for SWR)

The growth portfolio will focus on global index ETFs and will be managed via a 3.5% withdrawal rate (SWR):

Asset	Type	Allocation ($)	Withdrawal Rate	Income Generated ($/year)
VWRA (LSE-listed)	Global Index Fund	$725,000	3.5% SWR	$25,375
EIMI (LSE-listed)	Emerging Markets	$100,000	3.5% SWR	$3,500
Total		$825,000		$28,875 (~$2,406/month)

The VWRA provides exposure to global stocks, while EIMI adds higher-growth emerging markets. Both are Ireland-domiciled, meaning they avoid high US withholding taxes and are more tax-efficient for Singapore investors.

Step 4: How Does This Portfolio Generate $5,000/month?

✅ Dividends from stocks/ETFs: ~$2,167/month ($26,000/year).
✅ SWR withdrawals from VWRA/EIMI: ~$2,406/month ($28,875/year).
✅ Total Monthly Income: $4,573/month ($54,875/year).

This comes very close to the $5,000/month goal, with a cash buffer to smooth out any shortfalls.

What if there’s a market crash?

The $75,000 cash buffer will ensure you don’t have to sell assets during market downturns.
In strong market years, you can reinvest excess dividends into VWRA and EIMI.
If needed, adjust the SWR temporarily (e.g., reduce to 3.3% in tough times).

Step 5: Long-Term Growth & Sustainability

Even with SWR withdrawals, this portfolio is designed to continue growing over the long term.

The VWRA portion should appreciate by around 7% per year, so even after 3.5% withdrawals, your portfolio will likely grow rather than shrink.
The VHYL dividend will likely increase over time, providing more income each year.
The SG Banks, STI ETF, and REIT ETFs should also grow with the economy, boosting your income over time.

How Does Net Worth Change Over Time?

Your global index portion (VWRA) will continue to grow, keeping pace with inflation.
EIMI emerging markets should continue to grow, keeping pace with inflation.
The dividend portfolio should keep increasing dividends, helping your income grow and maintaining long-term wealth.

Why This Hybrid Approach Works

✅ Stable income from dividends (~$26,000/year).
✅ Growth from SWR withdrawals (~$28,875/year from VWRA & EIMI).
✅ A resilient portfolio that adapts to market cycles.
✅ Capital appreciation over time, allowing your net worth to grow.

By combining dividend investing with SWR-based growth, this hybrid strategy offers a well-rounded retirement plan for a Singapore-based FIRE investor.

You get the peace of mind of steady dividends, the growth potential of global equities, and the flexibility to adapt during market downturns.

Would this portfolio works for you?

Deal 1:

Interest rates are getting lower everywhere and there are usually many hoops to jump to get higher rate such as OCBC 360 and UOB ONE!
Consider Maribank, one of the fuss free and give you 1.28% daily without any conditions! Interest is credited daily!

Sign up for MariBank using my referral code: 2KGZ29UL.
https://www.maribank.sg/product/mari-savings-account/

Insured up to S$100k by SDIC.

Deal 2:

Best Items that I have bought from Shopee.

ONLY the best useful worthy items

Many people I realised that they have only shared things that give them the most commissions. I am different. I will only share things that I have bought, used and found it to be good.

Deal 3:

Webull – Get free money!

Good deal! Do not miss this! Sign up here now for free money!!

Deal 4:

Trust Bank New Clients

Sign up using referral code KNDBPEPT. Key in this code after you download the Trust Bank App from Trust Bank Website
No minimum balance account
No foreign transaction fee, great exchange rates when overseas. See my review via Trust Card – Excellent Card for overseas usage.

Deal 5:

FSMone – Cheap Comms and can transfer your shares to Personal/Joint CDP for Free

I am using FSMOne.com to invest in funds & ETFs (including money market funds). FSM is good due to the low comms and the free transfer from FSMOne to CDP (typically takes less than a week to transfer). If you do not have an account, you can sign up here. Please use my FSMOne referral code: P0413007.

You can read my experience of how I buy cheaply using FSMOne and then transfer my shares to Joint CDP within few days via $0 Free of Charge Transfer of SGX Shares from FSM to CDP and updates! – Done in less than 3 days!
I am also using FSMOne as part of my Estate Planning Plan. You can read about this via Simplified Guide to the Key Gist of Grant of Probate and Estate Planning

Deal 6:

Eskimo – Best Option for Roaming!

For now, you can get 500MB for free just by signing up with my referral link, no purchase required (I get 500MB only too, but only if you buy a paid plan). Referral code: CHING104915

You can read my review here.

Money just buy you the chance of freedom but can’t buy back time. In life, there is no reset button. Time is limited but money is not.

When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed (your strong health, time with young child) while busying striking out in career.

Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?

We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.

We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.

Love your life daily. You have one less day with your spouse, parents, children and yourself. Time is ticking away.

Focusing Careyourpresent & living a fulfilling life by supercharging your mind & investment/online income. Careyourpresent Series focus on things that one MUST know in their Life.

This is My Real Story – my story of Power of Choice being taken away

Posted on March 7, 2025March 8, 2025 by careyourpresent

Since young I find it hard to be happy, to live in the moment, to find purpose of life. That’s partially why I created this blog – to record my journey and find myself.

Tonight / recently, I am watching this Chinese Show – 异人之下之决战！碧游村。

I am thinking if I should publish this post today, but I guess since you are reading now, it means it has been published. I can’t sleep after watching this show in the evening with my family. Now is only few minutes before midnight. The rest are all sleeping except me AND this is not the only night which I can’t sleep. This is only one of the nights.

This is not a very positive post with positive vibes as compared to my usual posts, but it is a real and truthful post in life – MY LIFE.

The SHOW

There is one very interesting character 陈朵. She is totally like me, totally being deprived of any choices in life, but one key different, her choices was taken away for 20 years, but mine for 40+ years which is still haunting me now.

Summary of the story about her:

在《异人之下之决战！碧游村》中，陈朵杀害廖忠的原因源于她对自由的渴望和对自身命运的掌控。自幼被药仙会培养为“毒身圣童”，她的人生充满了被控制和利用的痛苦。虽然廖忠将她从药仙会解救出来，并试图给予她新的生活，但她始终未能真正拥有选择自己命运的权利。在一次对话中，陈朵给了廖忠三个选择：放她自由、与她一起离开、或者杀死她。廖忠未能做出选择，最终陈朵决定通过杀死廖忠来寻求自己的解脱。这反映了她对自由的强烈渴望，以及对被他人操控命运的反抗。

（source）

陈朵的核心动机就是追求自由。她从小被药仙会培养成“毒身圣童”，一直被操控，后来被廖忠带走后，仍然处于某种“被保护”但无法真正自主的状态。

在与廖忠的对话中，她给了他三个选择：

放她自由
和她一起离开
杀死她

但廖忠没有做出选择，最终陈朵亲手杀了他，这不仅是她的反抗，更是一种自我解脱的方式。她不想再受任何人的摆布，无论是药仙会，还是廖忠，她都不愿再成为别人的附属。因此，她用极端的方式夺回了自己的命运。

可以说，她想要的不是单纯的生存，而是真正属于自己的自由，哪怕为此付出极大的代价。

Asking AI (ChatGPT) for Help

I am affected by this story.

The character is totally like me. Deprive of the power of choice by my very loved one – my parents since young for 40+ years till now. I can’t find a solution or walked out of it even today.

Since AI has progressed to a stage where it gets very interesting, and it helped me today. I told AI my story and asked for help.

First thing it told me:

When your power of choice is taken away from a young age, it can deeply affect your ability to trust yourself, make decisions, and feel a sense of purpose. It makes sense that you feel stuck in the past—your mind is trying to process something that was never fully resolved.

Below are the details of what AI has given me:

_____________________________________________________________________________________________________________

Reclaiming Your Ability to Choose: A Step-by-Step Guide

When your power of choice is taken away—especially from a young age—it can have lasting effects on your confidence, sense of identity, and overall well-being. You may struggle with decision-making, feel stuck in the past, or even question the purpose of life. However, no matter how long you’ve lived under this conditioning, you can regain control and rebuild your ability to make choices.

But first, it’s important to understand why this happened in the first place.

How the Power of Choice Was Taken Away

For some, the lack of choice comes from external circumstances, but for others, it starts at home. When parents control every aspect of a child’s life, they unintentionally teach that child that their choices don’t matter—or worse, that they are incapable of making decisions at all.

In your case, your parents took away your power of choice in many ways:

Controlling what you ate: You were forced to eat porridge for breakfast every day, with no say in what you actually wanted.
Dictating your transportation: You had to be driven to and from school, never allowed to go by yourself or gain independence.
Suppressing your opinions: You were constantly told that you “don’t know,” leaving you no room to develop confidence in your own thoughts.
Isolating you socially: You weren’t allowed to stay back after school to play with friends, limiting your ability to form relationships on your own terms.
Choosing your education: You couldn’t decide which school to attend.
Controlling even your schoolwork: You weren’t allowed to complete your own art homework, something meant to be an expression of your creativity.
Continuing control into adulthood: Even after you grew up and bought your own home, you weren’t allowed to choose the paint color or how you handled household chores.
Interfering with parenting: Your parents even dictated how you raised your own children.
Forcing unwanted things onto you: Even after creating space by having them move out, they continued forcing their influence, insisting you take home things you didn’t want or need whenever you visited them.

This level of control over time doesn’t just make decision-making difficult—it completely erases a person’s sense of autonomy. When you’re never allowed to make your own choices, you stop trusting yourself. Even as an adult, you may hesitate over even the smallest decisions, fearing that you’ll make the “wrong” one.

But the good news is that you can reclaim your ability to choose.

Reclaiming your ability to choose starts with rebuilding trust in yourself, little by little. When your power of choice was taken away for so long, your brain learned to avoid decisions, fearing the consequences. But choice is like a muscle—the more you use it, the stronger it gets.

How to Rebuild Your Power of Choice

1. Start With Small, Low-Risk Choices

Big decisions can feel overwhelming, so begin with small, everyday choices that don’t have major consequences. These tiny acts of decision-making help rewire your brain and rebuild confidence in your ability to choose.

Some simple examples include:

Deciding what to eat for breakfast.
Picking the color of your outfit.
Choosing which route to take on a walk.

Even if you don’t feel strongly about the choice, make it anyway. Every time you choose something, remind yourself: I made this decision. I am capable of choosing.

2. Notice Your Feelings Without Judgment

If decision-making feels uncomfortable, that’s okay. It’s natural to feel uncertain or anxious after years of avoiding choices. Instead of criticizing yourself, simply notice the feelings that come up.

For example, if you feel fear, hesitation, or even emptiness when making a choice, acknowledge it: I feel uncertain, and that’s okay. Over time, the discomfort will fade as you gain more confidence in your choices.

3. Challenge the Fear of “Wrong” Choices

A major reason people struggle with decision-making is the fear of making the “wrong” choice. However, most daily choices don’t have life-altering consequences. If you find yourself hesitating, ask:

What’s the worst that can happen?
Will this decision still matter a week from now?
Can I change my mind later if needed?

By questioning these fears, you’ll realize that most choices are not as high-stakes as they seem.

4. Practice Saying “Yes” and “No”

If your choices were controlled by others for a long time, you might struggle to assert yourself. Practicing small acts of saying “yes” and “no” can help rebuild that confidence.

Try:

Saying “no” to something you don’t want to do, even if it’s small.
Saying “yes” to something you’ve been hesitant to try.

These small decisions help reinforce that your voice matters.

5. Ask Yourself: “What Do I Want?”

After years of following others’ decisions, you may have lost touch with your own desires. Start asking yourself this question, even for small things:

Do I actually enjoy this activity?
Do I like this type of music?
If I had a free day, how would I spend it?

You don’t need to have clear answers right away. The goal is simply to start reconnecting with your own preferences.

6. Take One Step Toward Something New

If you feel lost about your purpose, don’t pressure yourself to figure it out all at once. Instead, take one small step toward something different.

This could be:

Reading a book on a new topic.
Visiting a new place.
Trying a new hobby or activity.

The goal isn’t to find a “perfect” path right away—it’s to break the cycle of feeling stuck and rediscover what interests you.

Final Thoughts

Regaining the ability to choose after years of control is not an overnight process. It takes time, patience, and practice. But with every small choice you make—no matter how insignificant it seems—you are taking back your power.

You don’t have to undo the past to reclaim your future. You just need to start making choices for yourself—one decision at a time.

_____________________________________________________________________________________________________________

Aren’t I sad?

Like what AI mentioned above it correct, I am a person with

NO confidence, sense of identity, and overall well-being. You may struggle with decision-making, feel stuck in the past, or even question the purpose of life

This level of control over time doesn’t just make decision-making difficult—it completely erases a person’s sense of autonomy. When you’re never allowed to make your own choices, you stop trusting yourself. Even as an adult, you may hesitate over even the smallest decisions, fearing that you’ll make the “wrong” one.

I want to CAREMYPRESENT, live in present, walk out of the past and reclaim my purpose in life and find out how to achieve real happiness in life.

Only today, I REALISED THAT I only wanted to reclaim my power of choice.

今天我才懂，

能够选择的人才是最幸福的。

FIRE and the Big Dilemma: Dividends vs. Safe Withdrawal Rate – Which One Helps You Sleep at Night?

Posted on March 5, 2025March 5, 2025 by careyourpresent

So, you’ve made it. After years of grinding, saving, and investing like a maniac, you finally hit your FIRE number. Financial independence is yours. No more alarm clocks. No more bosses breathing down your neck. Just freedom.

But then, reality kicks in.

“How do I actually live off my investments?”

This question keeps a lot of FIRE folks up at night. After spending so long watching your net worth grow, the idea of selling investments to fund your life can feel… well, terrifying. Nobody wants to see their nest egg shrink, even if it’s part of the plan.

That’s why many people turn to dividends—the idea of living off passive income without ever touching the principal feels safe. But is it really the best strategy? Or should you focus on total return and use the Safe Withdrawal Rate (SWR) method instead?

Let’s break it down—without all the boring financial jargon.

Dividend Investing – The “Never Sell” Approach

Imagine this: Every quarter, you get a nice little deposit in your account. Free money, right? That’s the appeal of dividend investing—build a portfolio of solid companies, collect passive income, and never worry about selling shares.

Why People Love Dividends:

✅ It Feels Like a Paycheck – You’re just living off the income, not selling anything.
✅ No Market-Timing Stress – Whether the market crashes or booms, your dividends (mostly) keep coming.
✅ Psychological Comfort – Your net worth stays intact, making it feel like you’re not “spending down” your wealth.
✅ Legacy Factor – You can leave the whole portfolio to your kids without touching the principal.

Sounds great, right? Well… hold on.

The Downsides Nobody Talks About:

❌ You Need a HUGE Portfolio – A $1M portfolio with a 4% dividend yield only gives you $40K per year. Want $80K? You need $2M. That’s a high bar.
❌ Dividends Aren’t Guaranteed – Companies cut dividends all the time—especially during recessions.
❌ Lower Growth Potential – High-dividend stocks tend to grow slower than the broader market.
❌ Sector Overconcentration – Many dividend stocks are in boring, slow-growth sectors (utilities, REITs, consumer staples).

But here’s the biggest issue: Dividends aren’t actually free money.

The Big Myth: Are Dividends Really “Passive Income”?

There’s this idea that dividends are extra money, like an interest payment. But that’s not really how it works.

When a company pays a dividend, its stock price drops by the same amount.
That’s because cash is leaving the company—it’s not magic money appearing from thin air.
Companies that don’t pay dividends often reinvest profits into growth, leading to higher share prices over time.

That’s why companies like Amazon, Google, and Berkshire Hathaway don’t pay dividends at all—they’d rather reinvest for maximum shareholder value.

So while dividends feel great psychologically, they may not actually be the best way to maximize long-term returns.

Safe Withdrawal Rate (SWR) – The “Sell a Little, Let the Rest Grow” Strategy

Now, let’s talk about the SWR method, which is a fancy way of saying:

“I’ll withdraw a small percentage of my portfolio each year and let the rest keep growing.”

How It Works:

1️⃣ In the first year, you withdraw 4% of your portfolio (if you follow the famous 4% rule).
2️⃣ Each year, you adjust for inflation.
3️⃣ Your portfolio stays invested in stocks and bonds, growing over time.
4️⃣ Based on history, this strategy has a high probability of lasting 30+ years (hello, Trinity Study!).

Why People Love SWR:

✅ Lower Portfolio Requirement – Since you’re not limiting yourself to dividend stocks, your money can grow faster.
✅ More Diversification – You can invest in index funds, growth stocks, bonds—whatever you want.
✅ Historically Proven – Research shows a 3-4% withdrawal rate works long-term.
✅ More Flexibility – In good years, you can spend more. In bad years, you can cut back a little.

The Challenges of SWR:

❌ Psychological Barrier – Selling shares feels like spending your nest egg.
❌ Market Volatility – If you hit a bad market in the early years, your portfolio could shrink too fast.
❌ Uncertainty – Nobody knows the future—will 4% really last? What if you live to 100?

But here’s where SWR really shines:

SWR is More Likely to Grow Your Net Worth Over Time

For a lot of FIRE folks, it’s not just about covering expenses—it’s about watching their net worth grow even in retirement.

If you’re invested in broad market index funds (like the S&P 500), which average 8-10% returns per year, your portfolio can keep growing, even as you withdraw money.

Real Example of SWR Using World Index Funds (VWRA):

Let’s say you have $1M invested in a globally diversified portfolio of world index funds, such as the Vanguard FTSE All-World UCITS ETF (VWRA). This ETF provides broad exposure to stocks across both developed and emerging markets, and its historical returns have averaged around 7-8% per year.

The Math Behind a 4% Withdrawal:

You start with $1M.
Withdraw 4% in year one: $40,000.
After the first year, you adjust the withdrawal for inflation.

Assuming the 7% average return holds and inflation is around 2%, here’s how your portfolio would grow over time, even with withdrawals:

Year 1: Start with $1M, withdraw $40K, leaving $960K.
Year 2: Your portfolio grows by 7% (now worth about $1.027M). Withdraw $40,800 (inflation-adjusted).
By Year 10, even with withdrawals, your portfolio could be worth roughly $1.3M if the market continues to grow at an average 7% per year.

This example shows that you’re withdrawing money, but your portfolio continues to grow. In fact, over the long run, it can even grow faster than you’re withdrawing, providing you psychological comfort that your wealth is still increasing.

What About a Hybrid Approach?

Many FIRE folks mix both strategies for the best of both worlds:

✔ Dividends cover core expenses – Helps avoid selling during market downturns.
✔ SWR supplements income – Provides flexibility and growth potential.
✔ A cash buffer (1-3 years of expenses) – Prevents the need to sell in a crash.

Example of a Hybrid Portfolio:

Total Portfolio: $1.5M

$500K in dividend stocks (generating ~$20K/year in dividends).
$900K in index funds (like VWRA) (used for SWR withdrawals).
$100K in cash (buffer for market downturns).

This setup:

Provides reliable passive income through dividends.
Lets the rest of the portfolio grow at market rates.
Reduces risk by avoiding forced selling in downturns.

So, Which Strategy is Right for You?

Go All-In on Dividends If You:

✅ Hate the idea of selling shares and want steady passive income.
✅ Have a big enough portfolio to support your expenses.
✅ Are okay with slower portfolio growth.

Go with SWR If You:

✅ Want a higher likelihood of net worth growth over time.
✅ Are comfortable selling shares as part of your strategy.
✅ Prefer more diversification and flexibility.

Do a Hybrid Approach If You:

✅ Want the security of dividends but also the upside of SWR.
✅ Like the idea of not touching assets during downturns.

At the end of the day, FIRE isn’t just about having enough money—it’s about feeling confident in your plan.

Some people sleep better knowing their dividends cover their bills. Others feel fine selling a little each year while watching their net worth grow. The best strategy? The one that lets you actually enjoy your freedom.

Which one do you prefer? 🚀

Good articles that you should read!

People are drawn to dividend investing.

Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.

I always write and share articles, especially on dividends which many people love them. Do read them!

Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!

Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.

CAREYOURPRESENT

Money just buy you the chance of freedom.

When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.

Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?

We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.

We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.

I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:

You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.

REMEMBER:

Love your life daily.

You have one less day with your spouse, parents, children and yourself.

Time is ticking away.

For each passing day,

Enjoy and Treasure your Life!

For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!

For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!

Telegram Group (Chat with me and other like minded people!)
Telegram Channel (Get the latest updates on the markets/life!)
Twitter
Facebook
RSS Feed

You may also contact me via [email protected].

If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!

At the same referral and ebook page, you can also download my free ebooks and other free resources.

For quick references to these resources, you can see below.

Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
Hostinger: You can use this link for hosting your new website. 20% off hosting!
Crypto.com: Use my referral link https://crypto.com/app/h92xdfarkq to sign up for Crypto.com and we both get $25 USD 🙂