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Category: Investment and Finance

Treasury Bill: Competitive or Non-Competitive?

Posted on by careyourpresent

BS22125T 6-Month T-bill

In case for people who are not following the latest T-bill news,

The latest T-bill is out for application with the deadline of 20 December 2022, 9pm and the Auction Date 21 December 2022. Please remember to apply latest via internet banking (Cash and SRS) or in person (CPF) by 20 December 2022. For those who want to apply using CPF-OA and CPF-SA funds, please go down in person to our local banks (DBS, OCBC or UOB).

I have posted the above before in this post (https://careyourpresent.com/market-update-red-and-how-much-would-the-yield-be-for-the-next-bs22125t-6-month-t-bill/)

The deadline is tomorrow for those who want to take part!

What are Competitive or Non-Competitive bids?

I have some questions from people asking what are are Competitive or Non-Competitive bids? Which one should they choose during the application?

From the Treasury Bills website itself:

Competitive Bid

If you wish to invest in the bond only if it yields above a certain level, submit a competitive bid. You can specify the yield you are willing to accept in percentage terms, up to 2 decimal places.

Note that you may not get the full amount that you applied for, depending on how your bid compares to the cut-off yield.

Tip: A lower yield represents a more competitive bid, as you are indicating that you will accept a lower interest rate. You can submit multiple competitive bids.

Non-Competitive bid

In a non-competitive bid, you only specify the amount you want to invest, not the yield. Choose this if you wish to invest in the bond regardless of the return or are unsure of what yield to bid.

Non-competitive bids will be allotted first, up to 40% of the total issuance amount. If the amount of non-competitive bids exceeds 40%, the bond will be allocated to you on a pro-rated basis. The balance of the issue amount will be awarded to competitive bids from the lowest to highest yields.

You will get the bond at the cut-off yield, which is the highest accepted yield of successful competitive bids.

What does this mean in simpler wordings?

If you choose non-competitive bid, you have to put in the amount that you want to invest in the treasury bill. You will be allocated at the cut-off yield based on the auction results. In another word, for example if you put in 10k using non-competitive bid, if there are some unexpected auctioning results where many of the bidders only bid 2%, and the cut-off yield is 2%, you have to take up your 10k (assuming you are allocated everything) at that 2% despite the low rate.

However, if you choose competitive bid, you can specify the amount that you want to invest in the treasury bill and the yield that you are willing to take in. This means that if you bid 4.3% for 10k, and if the cut-off yield is 4.2%, you will get nothing with all the 10k refunded. If the cut-off yield is 4.4%, you will be given XXk at 4.4% depending on how much you have been allocated in the auction.

If you search around, many of the general advice is to pick non-competitive bid if the investor are not really sure how the auction process works.

However, my advice is to to pick competitive bid to prevent any unexpected auction results from happening where you are given very low yield (such as the example above). The worst case if you get everything refunded and use you can use your funds somewhere else rather than stuck in super lower yield treasury bill. This scenario is unlikely, but who knows? Previous previous cut-off yield was 3.9% oversubscribed whereas last cut-off yield was 4.4%?

What yield should you put in for competitive bid?

Let’s do a comparison on the alternatives.

Fixed Deposit

Upcoming Treasury Bill is for 6 months, for fair comparison we should compare to 6 months Fixed Deposit. The highest now is 3.95% for CIMB (see below).

https://www.cimb.com.sg/en/personal/banking-with-us/accounts/fixed-deposit/cimb-sgd-fixed-deposit-account.html

Other alternative

In my previous article (Best places to put Liquid Cash now), the comparable alternative would be MoneyOwl Wisesaver. The current yield is 4.2% p.a.

Do note that this rate is the gross indicative yield of the underlying cash fund, which may fluctuate as market and economic conditions change. It does not indicate the return you get for holding your investments for a year. We will update this rate periodically as the yield changes

It is investing in Fullerton SGD Cash Fund – Class A (SGD) which invested mainly in SGD Fixed Deposit and backed by Temasek. MoneyOwl itself is under NTUC income. It is as safe as you can get!

Insure, invest, or do a financial planning with MoneyOwl and get welcome Grab credits when you join using my referral link/code. I’m already a happy MoneyOwl client, you should check it out too!

You can use my referral link (or key in 6SHU-93MC) to get free $20-$60 Grab Vouchers when you invest with them. Moreover, there is a promotion until 31 Dec 2022 now where you can get $20 worth of WiseSaver units by 31 January 2023 if you open WiseSaver Account.

Let’s compare – The Conclusion

As above, the highest fixed deposit for 6 months now is 3.95% for CIMB whereas 4.2% p.a. for MoneyOwl Wisesaver.

With the fact above, if I am going bid for the upcoming Treasury Bill, I will use Competitive Bid and put the bid as:

  • at least 4% if I want a higher than 6 month Fixed CIMB Rate (if I don’t believe WiserSaver can maintain 4.2% of higher going forwards)
  • at least 4.2% if I believe that the interest rate will remains high under current FED policy such that MoneyOwl Wisesaver will maintain 4.2% or more (which I think will happen, given that the underlying Fullerton Funds invest in FD itself).

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!

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 🙂

4 Dividend ETFs that can let you sleep well even in the scary bear market

Posted on by careyourpresent

Dividend Dividend Dividend

Many investors like dividend investing. Most of us will go the through of dividend investing to get passive income or cashflow. Most will pick Dividend Stocks after their own analysis.

What are Dividend Stocks?

Dividend stocks are companies that pay out a portion of their profits to shareholders as a form of distribution. These payments can come in the form of cash, stocks or both.

Dividend stocks pay out dividends based on how much money they make, so they can be good investments if you’re looking for steady returns and don’t mind waiting for them.

However, by picking individual stock, like other investment, there is always the risk of capital loss, or in the worst case where the companies go bankrupt. Thus, another better alternative for those who don’t like to pick individual stock, you can go for Dividend ETF.

What are Dividend ETFs?

ETFs (exchange-traded funds) are mutual funds that trade like stocks on an exchange. They’re designed to track an index like the S&P 500 or Dow Jones Industrial Average by buying all the securities included in those indexes. They hold all these stocks in proportion to their weighting within the index they’re trying to replicate, so they tend to match its performance very closely over time.

Dividend ETFs are a great way to earn passive income. They’re easy to buy, and many of them pay monthly dividends. Some characteristics of Dividend ETFs.

  • Dividend ETFs invest in companies that pay dividends. When you own shares in a dividend ETF, you get paid when the fund makes money from its investments. The income from these investments is called “dividends.”
  • In some cases, the dividends paid out by an individual stock can be reinvested back into the company for more shares. This is called “re-investment.” Dividend ETFs usually allow re-investment of your dividends so that you can buy more shares at lower prices.
  • Dividend ETFs are one of the best ways to invest in the stock market. They’re great for long-term investors who want to earn regular income from their portfolio.
  • Dividend ETFs are a great way to add passive income to your portfolio. They’re also one of the best ways to create a “set it and forget it” investment strategy.
  • Dividend ETFs are similar in nature to index funds, but they’re specifically designed to track the performance of dividend-paying stocks. These funds can help investors achieve a passive income stream without having to rely on individual stocks or mutual funds.

How to pick Dividend ETFs?

The good news is that there are plenty of options when it comes to dividend ETFs. The bad news is that not all dividend ETFs are created equal. If you’re looking to invest in dividend ETFs, please take note of the following:

What kind of dividends do they pay?

The most important factor when selecting a dividend ETF is what kind of dividends it pays out. Some pay quarterly dividends while others pay monthly or even daily distributions. It’s also important to find out how much interest each type will pay and how many shares are required before receiving payments from the fund itself.

Diversification

The first thing you need to consider is diversification. Dividends come from companies within an industry, so it’s important to spread your money around so that if one company has problems, the others can make up for it. For example, if one airline goes bankrupt, all of its investors will suffer from their lack of income until another airline buys them out or starts offering flights where they were previously operating.

Fees

Another factor to consider is fees — specifically management fees and commissions. The management fee is what the company charges each year to manage your money and pay its employees’ salaries. Commissions are extra fees charged by brokers when selling or buying shares; this is usually less than $10 per trade but can add up over time if you’re making dozens of trades every month

4 Dividend ETFs that can let you sleep well even in the scary bear market

Let’s go to the main gist of this article – 4 Dividend ETFs that can let you sleep well even in the scary bear market.

Vanguard FTSE All-World UCITS ETF (USD) – VWRD

https://www.vanguardmexico.com/en/products/financial-products/equity-etf/VWRD
https://www.vanguardmexico.com/en/products/financial-products/equity-etf/VWRD

Characteristics of this ETF (Source):

  • Fund Manager: Vanguard
  • Listed: London
  • Number of Stocks Held: 3754
  • Methodology:
    • The Fund employs a passive management – or indexing – investment approach, through physical acquisition of securities, and seeks to track the performance of the performance of the FTSE All-World Index (the “Index”).
    • The Index is comprised of large and mid-sized company stocks in developed and emerging markets.
    • The Fund attempts to: 1. Track the performance of the Index by investing in a representative sample of Index constituent securities. 2. Remain fully invested except in extraordinary market, political or similar conditions.
  • Expense Ratio: 0.22%
  • Distribution Frequency: Quarterly
  • Distribution Yield: 2.2%
  • Remarks by Careyourpresent: This ETFs hold thousands of stocks over the world which will let you sleep well at night. Typically, people will hold this is a world ETF under the popular index investing methodology. You will get both growth and yield (but low yield) at the same time. However, one key disadvantage is this that although this ETF is termed as “All World Index” but this fund actually is tilted towards the western economics which you can see from the chart above.

Vanguard FTSE All-World High Dividend Yield UCITS ETF (USD) – VHYD

https://www.vanguardmexico.com/en/products/financial-products/equity-etf/VHYD
https://www.vanguardmexico.com/en/products/financial-products/equity-etf/VHYD

Characteristics of this ETF (Source):

  • Fund Manager: Vanguard
  • Listed: London
  • Number of Stocks Held: 1804
  • Methodology:
    • The Fund employs a passive management – or indexing – investment approach, through physical acquisition of securities, and seeks to track the performance of the FTSE All-World High Dividend Yield Index (the “Index”).
    • The Index is comprised of large and mid-sized company stocks, excluding real estate trusts, in developed and emerging markets that pay dividends that are generally higher than average.
    • The Fund attempts to: 1. Track the performance of the Index by investing in a representative sample of Index constituent securities. 2. Remain fully invested except in extraordinary market, political or similar conditions.
  • Expense Ratio: 0.29%
  • Distribution Frequency: Quarterly
  • Distribution Yield: 4.1%
  • Remarks by Careyourpresent: This ETFs hold thousands of stocks over the world which will let you sleep well at night (lesser than VWRD but still holds lot of shares). You will get some growth but with lesser yield at the same time as this ETFs hold stocks with higher yields. However, one key disadvantage is this that although this ETF is termed as “All World Index” but this fund actually is also tilted towards the western economics which you can see from the chart above.

iShares MSCI World Quality Dividend ESG UCITS ETF (USD) – WQDV

https://www.google.com/finance/quote/WQDV:LON?hl=en&window=MAX
/https://www.ishares.com/uk/individual/en/products/288147/ishares-msci-world-quality-dividend-ucits-etf?switchLocale=y&siteEntryPassthrough=true#/

Characteristics of this ETF (Source):

  • Fund Manager: Blackrock
  • Listed: London
  • Number of Stocks Held: 164
  • Methodology:
    • The Fund aims to achieve a return on your investment, through a combination of capital growth and income, which reflects the return of the MSCI World High Dividend Yield ESG Reduced Carbon Target Select Index.
    • On 1st June 2022, the benchmark changed from MSCI World High Dividend Yield Index to MSCI World High Dividend Yield ESG Reduced Carbon Target Select Index. The change will be reflected in the benchmark data.
  • Expense Ratio: 0.38%
  • Distribution Frequency: Semi-Annual
  • Distribution Yield: 2.9%
  • Remarks by Careyourpresent: This ETFs used to hold thousands of stocks over the world which will let you sleep well at night. However, as of 1 Jun 2022, the benchmark index has changed and now it only hold 164 stocks. I used to like this ETF very much, but this has become much lower on my list due to lower diversification and lower yield.

iShares Core MSCI EM IMI UCITS ETF (USD) – EIMU

https://www.google.com/finance/quote/EIMU:LON?hl=en&window=MAX
https://www.ishares.com/uk/individual/en/products/295689/ishares-core-msci-em-imi-ucits-etf
https://www.ishares.com/uk/individual/en/products/295689/ishares-core-msci-em-imi-ucits-etf

Characteristics of this ETF (Source):

  • Fund Manager: Blackrock
  • Listed: London
  • Number of Stocks Held: 3126
  • Methodology:
    • Exposure to over 2,800 large-, mid- and small-cap emerging markets companies
    • Entire market exposure means not missing out on potential growth surprises from often overlooked smaller companies
    • Use at the core of a portfolio to seek long-term growth
  • Expense Ratio: 0.18%
  • Distribution Frequency: Semi-Annual
  • Distribution Yield: 3.12%
  • Remarks by Careyourpresent: This ETFs hold 3126 stocks from the emerging markets companies. For those who are keen on emerging markets can consider this. You will get some growth but some yield at the same time. One key risk is the delisting/removal of some of the stock’s holdings in the emerging markets by iShares due to political issues.

Dividend Index Investing

For the above 4 ETFs that I have shared, they are also commonly used by investors in SG markets as part of their index investing. However, do note that for most index investors, usually they would buy the non-distributing version (VWRA, IWDA, EIMU, ISAC etc) so that they would not need to reinvest the dividends since the ETFs do it automatically for them.

For dividend Index investors who want low expense ratio, diversification, lesser withholding tax (10% for LON ETFs) as compared to buy US ETFs directly, peace of mind with some growth and yields, the above are ideal choices for them.

Of course, there are many are dividend ETFs which are good too (such as ASDV, VDC, VAS, NOBL etc which are in my watchlist). Perhaps I will share them in another article in future.

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!

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 🙂

What is the best investment strategy in the world?

Posted on by careyourpresent

Introduction

Ok, I am not sharing my view on what is the best investment strategy in world, but I am sharing about ChatGPT which is getting hot recently. What is this actually? Put in layman term, it’s an AI Algorithum created by OpenAI where you can ask questions and it will answer you, reply to you, follow up with conversion smartly etc.

From the site itself,

ChatGPT interacts in a conversational way. The dialogue format makes it possible for ChatGPT to answer followup questions, admit its mistakes, challenge incorrect premises, and reject inappropriate requests.

Let me test to ask a few questions in relation to investment and Care Your Present with 2 tries each.

(1) What is the best investment strategy in the world?

ChatGPT 1st try:

There is no one-size-fits-all answer to this question, as the best investment strategy depends on a number of factors, such as an individual’s financial goals, risk tolerance, and time horizon. It is generally a good idea to diversify your investments across different asset classes and to regularly review your portfolio to ensure that it is aligned with your goals and risk tolerance. It is also important to do thorough research and consult with a financial advisor before making any investment decisions.

ChatCPT 2nd try:

There is no one-size-fits-all answer to this question, as the best investment strategy depends on a variety of factors such as your individual financial goals and risk tolerance. It’s important to consider your own unique situation and consult with a financial advisor before making any investment decisions. In general, however, a good investment strategy typically involves diversifying your investments, regularly reviewing your portfolio, and staying informed about market trends. It’s also important to have a long-term perspective and to be willing to ride out short-term market fluctuations.

(2) How do you Care Your Present?

ChatGPT 1st try:

To care for your present, you can:

  1. Practice gratitude and appreciate what you have in the moment.
  2. Take care of your physical and mental health by exercising, eating well, and getting enough rest.
  3. Engage in activities that bring you joy and fulfillment.
  4. Nurture your relationships with loved ones and build connections with others.
  5. Prioritize self-care and make time for relaxation and self-reflection.
  6. Avoid comparing yourself to others and focus on your own growth and progress.
  7. Seek help when needed and don’t be afraid to ask for support from others.
  8. Avoid procrastination and take action to achieve your goals and aspirations.
  9. Practice mindfulness and focus on the present moment, rather than worrying about the future or dwelling on the past.
  10. Be kind and compassionate to yourself and others.

ChatGPT 2nd try:

  1. Take care of your physical health: make sure to eat a healthy and balanced diet, get enough sleep, and exercise regularly.
  2. Pay attention to your emotional wellbeing: take time for yourself, practice self-care, and seek support if needed.
  3. Nurture your relationships: maintain connections with friends and family, and strive to build positive and supportive relationships.
  4. Stay engaged and active in your community: volunteer, participate in community events, and support causes that are important to you.
  5. Set goals and work towards achieving them: identify what is important to you and take steps to make it a reality.
  6. Reflect on your experiences and learn from them: take time to think about what has worked and what hasn’t and use that knowledge to improve your life.
  7. Take care of your environment: keep your living space clean and organized, and make an effort to reduce your impact on the planet.
  8. Practice gratitude: take time each day to appreciate the good things in your life and the people who support you.

(3) Should Singaporeans invest in Singapore Reits after many Federal rate hikes?

ChatGPT 1st try:

It is ultimately up to your own personal financial situation and risk tolerance. However, it is important to consider that interest rate hikes can affect the performance of real estate investment trusts (REITs) in Singapore. Higher interest rates may lead to higher borrowing costs for REITs and reduce their profitability. It is recommended to thoroughly research and evaluate the potential risks and rewards before making any investment decisions.

ChatGPT 2nd try:

It depends on individual financial goals and risk tolerance. Singapore Reits (real estate investment trusts) may offer potential benefits such as diversification and steady income, but they can also be affected by rising interest rates. It is important for investors to carefully assess the potential risks and rewards of investing in Singapore Reits and consult with a financial advisor before making any decisions.

(4) Generate the 5 best twitter tweets that will be viral and generate many followers.

ChatGPT 1st try:

  1. “Just tried the new Starbucks pumpkin spice latte and I am officially in love! #PSL #Starbucks”
  2. “I just got the cutest puppy and he’s already melting my heart! #dogsofinstagram #newpuppy”
  3. “I just got back from the most amazing trip to Bali and I can’t wait to share my photos with you all! #Bali #travelgram”
  4. “I just discovered the best workout routine and I’m already seeing results! #fitness #healthylife”
  5. “Just tried the new restaurant in town and it was amazing! I highly recommend it! #foodie #newrestaurant”

ChatGPT 2nd try:

  1. “Just saw the most amazing sunset and it made me realize how beautiful this world is. Let’s appreciate the little things in life! #sunset #beauty”
  2. “I just tried the new avocado toast at my favorite cafe and it was to die for. You have to try it! #avocadotoast #foodie”
  3. “I just finished my first marathon and it was the most incredible feeling. If you want to push yourself, set a goal and go for it! #marathon #fitness”
  4. “I just discovered the best DIY face mask using honey and turmeric. My skin has never looked better! #skincare #diy”
  5. “I just saw the cutest kitten on the street and it made my day. Animals bring so much joy to our lives. #kitten #cute”

(5) 10 best ways to grow passive income

ChatGPT 1st try:

  1. Invest in real estate
  2. Invest in stocks or mutual funds
  3. Create a high-yield savings account
  4. Invest in a peer-to-peer lending platform
  5. Create an online course or digital product
  6. Invest in a dividend-paying company
  7. Rent out a spare room on Airbnb
  8. Invest in a rental property
  9. Purchase a rental property and lease it out to a tenant
  10. Create a blog or website and monetize it through advertising and affiliate marketing.

ChatGPT 2nd try:

  1. Invest in real estate through rental properties or REITs (Real Estate Investment Trusts).
  2. Invest in dividend-paying stocks or mutual funds.
  3. Invest in peer-to-peer lending platforms or crowdfunded real estate deals.
  4. Invest in high-yield savings accounts or certificates of deposit.
  5. Create and sell digital products or courses online.
  6. Set up an affiliate marketing business to earn commissions on product sales.
  7. Rent out a room on Airbnb or a similar platform.
  8. Invest in a vending machine business or franchise.
  9. Create and sell physical products on Amazon or Etsy.
  10. Invest in a passive income-generating app or platform, such as a robo-advisor or a subscription-based service.

(6) Ultimate Challenge: Testing the conversion function

Conclusion

CHATGPT AI is quite powerful. It has generated the above answers within a few minutes after I have typed in the questions. The last part is the most amazing. It can talk to you like a real human being. Do give a try. Maybe one day we will have this kind of AI input into a real human being such that it can talk to you and behave like a human.

Actually, there are also more AI tools that are very powerful. Do you know that we can actually create images using text?

If we think deeper, in future what will our world become for our next generation? The world evolving so fast.

Image of “A Happy Girl” generated by NightCafe

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!

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 🙂

Market Update – RED! and How much would the yield be for the next BS22125T 6-Month T-bill?

Posted on by careyourpresent

BS22125T 6-Month T-bill

In case for people who are not following the latest T-bill news,

The latest T-bill is out for application with the deadline of 20 December 2022 and the Auction Date 21 December 2022. Please remember to apply latest via internet banking (Cash and SRS) or in person (CPF) by 20 December 2022. For those who want to apply using CPF-OA and CPF-SA funds, please go down in person to our local banks (DBS, OCBC or UOB).

https://www.mas.gov.sg/bonds-and-bills/auctions-and-issuance-calendar/auction-t-bill?issue_code=BS22125T&issue_date=2022-12-27

What would the yield be?

The last 6-Month cut off yield was at 4.4% (historical high). What would the upcoming yield be? Given that there was a rate hike yesterday and the FOMO due to last 4.4% and the data in the MAS website, quite likely, it will be around 4 to 4.3% for the upcoming T-bill (very likely is less than 4.4%). If you would like to have some risk-free assets, do consider it.

Would I submit a bid for the auction?

Personally, I won’t.

This is because I have enough emergency funds with SSB (I prefer to lock 2.5%-3%+ for 10 years, with the flexibility of being able to take out the funds within the maximum of 1 months).

My other funds are kept with UOB, OCBC, FSM and Money Owl which I have shared in my earlier post on Best places to put Liquid Cash now, especially with Money Owl which also give 4.2% with full liquidity. I need these cash to take advantage of the following…

You can use my referral link (or key in 6SHU-93MC) to get free $20-$60 Grab Vouchers when you invest with them.

Moreover, there is a promotion until 31 Dec 2022 now where you can get $20 worth of WiseSaver units by 31 January 2023 if you open WiseSaver Account.

Take advantage of what?

I am indeed feeling some FOMO (see my post this morning), hence I took advantage of tonight to buy some small amount of VT. I am prepared to buy more as it goes down. (Of course, there are some other shares/cryptos I may buy later as the market goes down further, but likely I won’t mentioned in my site as those are riskier and not suitable for everyone.)

Screenshot from Webull App

Market Update

Quite likely the market will go down further for the next few days (at least).

Remember what we have posted last? Today is the mid of Month!

Please refer to this post https://careyourpresent.com/market-updates-be-careful-with-the-weeks-ahead/

Anyway, for those who are keen, can refer to the menu on my main page. For market related, I will put in this menu bar call “Market Updates” (see screenshot below).

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!

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 🙂

Market updates: Are you feeling FOMO now?

Posted on by careyourpresent

FOMC Update

There was a minor red last night after FOMC meeting – no crash yet but FED still raise rate by 50 basis points, taking the borrowing rate to a targeted range between 4.25% and 4.5%, the highest level in 15 years. 2023 Terminal rate = 5.1% (5.0%-5.25%)

https://www.cnbc.com/2022/12/14/the-fed-projects-raising-rates-as-high-as-5point1percent-before-ending-inflation-battle.html
https://www.cnbc.com/2022/12/14/fed-rate-decision-december-2022.html

Higher Debts Instruments

Those holding higher Debts instruments such as Reits or company that is highly geared should still be careful. Now is the market bear rally thinking FED will pivot. CPI now is 7.1% but the terminal rate is 2%, very far from now.

I think the real picture will come during the next report seasons – we will see how far the interest affects the earnings of the companies. As saying goes, its only when the tide goes out, then we will see who swimming is naked.

Quite likely the rate hikes etc won’t affect the market much as of now, but the earnings or any sudden black swan (collapse of big companies due to poor earnings in recessions etc or any unexpected events) might. Do be careful and plan well.

Technical Points of view

From Webull – Chart for 14 Dec 2022

From TA point of view, S&P 500 possible upside to test 4300 first or sell off to break below 3500. Daily chart shows higher highs and higher low whereas weekly charts show lower highs and lower lows.

Crypto Updates

There are lots of FUDs information about Binance for the past few days. Quite likely this will make Binance stronger, showing that they can make it through the current stress test. However, for those who are concern/worry, do consider putting your coins in hard wallet. Ultimately, not your wallet, not your coins.

https://www.channelnewsasia.com/business/binance-see-withdrawals-us19-billion-last-24-hours-data-firm-nansen-3141331

Conclusion

In my view, market will come down, but the question is when. My sense is that it will be soon. Plan and pace your buy, keep your job, lock up your emergency funds somewhere in high yielding accounts, SSB, treasury yields, MMF etc.

Remember to only buy companies/cryptos that pass your sleep test. Stay safe everyone!

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!

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 🙂