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Category: Investment and Finance

Can I and should I be Stay at Home Parent with my situation?

Posted on by careyourpresent

Can I be Stay at Home Parent with my Portfolio?

When I was having Tea with one of my friend, this question was asked by my friend to me.

Both my friend and spouse are still working and they are thinking to have one of them quit and be Stayed at Home Parent. After all, time are limited with the kids and if one financial and mental strength allow it (must know how to fill, survive unstructured time with no social status), why not?

Hence, I asked more details from them.

Why one person quit corporate life only and for how long?

My first question to them.

Why one person quit corporate life only?

Answer:

They are worried if they have enough. Ultimately, they are still “relatively” young late 30+, with household combine income of $10-$15k. Assuming life span of 80 years old, they still have 40 years left if they are lucky. Hence, with at least 1 stable income would let them feel safer.

For how long?

Answer:

They are not planning to F.I.R.E (Financial Independent, retired early) like many people. In fact, they are ok with working, but work take their limited time away with their growing kids. Once time gone is gone, but money can be earned back. Hence, they only want to take a break for few years before going back to work again.

Portfolio

Their combined family portfolio un-invested cash (but is earmarked as investible funds) + Invested money in volatile assets such as equities/etf etc + emergency fund is about 1.3 millions.

They have vested almost 400k in the favorite Singapore Saving Bonds, which give them cash flow of about 1k per month. Their portfolio is currently generating about 2k per month worth of dividends. Hence, total 3k per month (2k volatile assets, 1k safe stable asset for 10 years).

If they add in high bank interest rate (which currently most of us are enjoying), they should have another 1 to 1.5k. Hence over all about $4 to $4.5K monthly, assuming high bank interest rates are not gone.

In term of CPF, both of them has hit Full Retirement Sum (FRS). The yearly SA interest would definitely exceed the ever increasing FRS every year.

Their houses are also fully paid.

Insurance all fully paid except one whole life that cost them about $2.6k every year for another 10 more years.

Expenses

They have been tracking their family expenses since year 2015.

Their household expenses is about 3k per month on average. Worst year hit until $4.1K due to parents hospital expenses, with some of the years hitting 2.6k per month. The expenses so far included their insurance whole life plans. However, all the plans are fully paid by end of 2022, except one whole life that cost them about $2.6k every year for another 10 more years.

With the above…conclusion

With the above, could they afford one spouse to stay home?

Key summary:

  • One spouse still working which will generate at least $5k per month from active income (exclude bonuses).
  • Portfolio income about $4 to $4.5k (mixture of both volatile and non-volatile components).
  • Household expenses about $3k per month.
  • House fully paid.
  • Both spouse hit FRS.

Can my friend take a short sabbatical and be with kids before they grow up and don’t need my friend?

Next year GST is 9% with high inflation, financial markets also very volatile.

What should my answer to them? I told them to let me think a while, but haven’t answer them yet.

What do readers think?

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

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.

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.

More articles can be found here.

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].

Let me share one of my favorite company

Posted on by careyourpresent

Most of the time, I don’t really shares the companies that I have owned as I don’t want to mislead people.

Many may also think that I only invest in REITs as most of the recent time I have only shared my REIT purchases in X (formerly Twitter). I have shared REITs recently only because I love to shop when there are discount, but that doesn’t mean I don’t owned non-REITs. That’s why I keep “sell”, “sell”, “sell” in X for REITs only recently.

Furthermore, the investment suitable for me may not be suitable for others but I really like this company. This is one of my bigger positions.

Let me share some screenshots from it’s latest results.

Let’s play a game…

Guess the company?

Current share price is 80c plus, net cash per share is 79.5. Yearly dividend, 4c (EPS is 5.6c for 1H FY2024 only), payout ratio is typically 40-60% of net profit, which is ~4 to 5% yield depending on your entrance price. Latest Net Asset Value is 97.6 cents. 1.5c xD on 21 Nov 2023 today.

5 Years Summary

Dividend History

Ok, Guess the company? But no price for the right guess 🙂

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

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.

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.

More articles can be found here.

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].

PSA: Highest Yield Singapore Saving Bonds for this month

Posted on by careyourpresent

Posting this article is actually detrimental to myself.

By posting this article, this means more people will be aware of the Singapore Saving Bonds this month. Selfishly, this month I want to buy lots of bonds (to max my 200k limit), especially next month yield likely will drop. If you look at this month bond, SBDEC23 GX23120Z

This is the highest yield so far for Singapore Saving bonds.

By posting this article, means more people will apply and thus less likely for me to get more 🙁

but last month it was almost oversubscribed with limit of 47k. This month, definitely will be lesser, 20k? 10K? We will see, cross finger.

Pros and Cons of SSB

Anyway,

Let’s us recap the advantages of SSB first:

  • Very safe – backed by Singapore Government
  • Locked down decent rates of around 3% for 10 years.
  • Easy to redeem and can redeem partial
  • Liquidity needs maximum of 1 month where you can get your money back. Hence suitable as emergency fund.
  • Limit of 200k should be good enough for most people.
  • Can build Bond Ladder to get monthly income (which I have already did)

Let’s us recap the disadvantages of SSB:

  • Short term rates are lower than banks’ fixed deposits, money market funds such of around 3.5% and above.
  • Risk Free 6 month treasury yield is close to 4% which is higher
  • Low returns
  • 1 month liquidity to redeem your funds may be too long for people who need the funds immediately.

Yield Dropping

Current Yield as of 17 Nov 2023.

5% yields few weeks ago

Next month SSB projection

https://www.ilovessb.com/projection/SBJAN24

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

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.

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.

More articles can be found here.

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].

Battle of Enough VS Spending for Financial Bloggers

Posted on by careyourpresent

Recently, there are many “sparring” or “discussion” among many of the financial bloggers for the past few days, especially for those famous bloggers who are financially independent. Let me share some of these posts:

Are Financial Influencers spending too little for their own good? by Christopher who is Financially Independent at age 39 but still conducting courses/part time jobs now.

Gratitude, My Portfolio, and My Qualification to Advice on F.I. by Kyith who is Financially Independent, but still serving in Providend as passion for Financial Adviser.

F.I.R.E. Always have a Plan B! Better and cheaper! by the famous AK who have 200k annual passive income, retired and then enjoying video games.

This also sparkled many discussions on forums.

That results in various comments such as:

If you are spending, you are doing something wrong in this life.

My friend showed me his post of hoarding can food like peanuts, tuna. Eating with bread. He even says $2.50 per meal

$4 cai png is a treat? I fainted

Others find joy in spending excessively, or beyond what they should. Savings is a “burden”, or at least a mere means to an end, delayed gratification for greater reward. But to a man like AK, miserliness is not misery, but ecstasy lol.

Deep down, I genuinely believe this strategic, low-cost, globally diversified, 80-60% equity strategy can give perpetual inflation-adjusted income if we respect the initial income spent relative to the portfolio value (keep it 2.5% or lower)

Adding Oil to Fire

As the sayings goes, 火上加油 (adding oil to fire), this article is not to add oil to fire.

There are people who like to do all sorts of mathematical financial models etc to simulate withdrawal rates, cash-flow, returns based on various assets classes etc, whereas some simply see dividend income > expenses means financial independent etc and can last indefinitely. Previously I have also shared something on this Ultimate Formula for FIRE (Financial Independent, Retire Early). There is one interesting way is passive income > active income.

I won’t be sharing more on this for this article.

I am not going to argue 2.5%, 3%, 4.5% withdrawal rates, and come out with all sorts of financial modelling using past historical data as evidence to substantiate my points. Future is future, past is past. Past work doesn’t means future will work. Past don’t work doesn’t means future will not work. Many try to predict future, but who can? Can you even predict what will happen tonight or even the next 10 minutes?

Different people have different perspectives, even if you argue till the end of the world, nothing will change, especially the views of people who are already 40+ and above, most of their life views, behaviors are already there – fixed based on the past decades of life experiences.

In fact, there is no point to try to change / influence the views of others such that they are same as yours (but apparently, many people are still doing so, don’t know for what purposes), you can of course share, but there is no point of getting into arguments.

“You are so anxious about the future that you do not enjoy the present. You therefore do not live in the present or the future. You live as if you are never going to die, and then die having never really lived.”

Dalai Lama

Your Life is your Life

Your Life is your Life. His Life is his life. Her Life is her life. No two people have the same life experiences, and hence same life perspectives on everything regardless of how similar they are. Learn to let go is important.

Live your own life, share your experiences to help others, not trying to change their life views. It’s ok that others don’t agree with you and you can continue to share, but don’t need to enforce your own views into them. There is no righteous Man that is always right, there is no need to follow others if what you are doing makes you happy.

There are people who are happy with $4 cai png. There are people who are happy with home cook food that cost less than $2 per meal. There are people who eat atas fruits that cost $400 like spending $0.01 daily only. There are people who loves to eat atas restaurant fine dining with $100+ per meal.

So be it, do what you love most? Live your best life with no regrets.

Greatest Regrets in life

https://www.investingnote.com/posts/2698628

Never forget this…

All the money, atas food, lousy cheap food etc, don’t belong to you.

If $10 were stolen from your $86,400 bank account, you wouldn’t throw away the remaining $86,390, right? Similarly, with 86,400 seconds in a day, don’t let 10 seconds of negativity ruin the entire day.

The idea is to focus on the abundance of positive experiences and time rather than dwelling on minor, fleeting negative incidents.

Photo by Tim Mossholder on Unsplash

We are all billionaire

We are all billionaire, you may not be money billionaire, but you are your own time billionaire. Time is the most scare resources in this world.

Unlike Money. Time can only be depleted. You can never earn it back.

Time Billionaire

The average lifespan of 80 years is equivalent to 2,522,880,000 seconds. Starting with 60 seconds in a minute, multiplied by 60 minutes in an hour, then by 24 hours in a day, followed by 365.25 days in a year to account for leap years, and finally multiplied by the desired 80 years. The result is an estimated total of approximately 2,522,880,000 seconds in an 80-year lifespan

Every second is gone very fast. Days are long but years are short. Within a flash, we are all grown up. Within a flash, your parents will die, your kids will grow up, you will die one day too. Whatever trivia arguments that you have got into doesn’t have meaning in the short span of life. You can be emperor, president of a country or even the world, but one day you will be gone with the wind, buried in the soil, and after a short one, no one will remember you, especially who argue and is unhappy with 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

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.

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.

More articles can be found here.

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].

Ultimate Formula for FIRE (Financial Independent, Retire Early)

Posted on by careyourpresent

Many people would want and love to retire early after financial freedom, but the issue is there are many questions that stop people to really retire even if they really has enough money/cash flow?

Do I have enough when I retire now? Would I run out of cash before I leave the surface of Earth? What about sudden expenses like health concerns etc?

Let’s say if you have 1 million, will you run out of money?

There are also practical questions of whether one should FIRE or not.

Read this FIRE! The beautified ugly side of retiring early to find out the two sides of the coins if you are considering FIRE.

Please also note that the longer you drag your FIRE plan (if you have), the riskier it become. You only live once. What if Later never come?

Common way to count enough or not

Many people want to retire early, hence there are many talks/theories about using withdrawal rate of 2-4% or even use dividend to cover expenses etc… It’s all about saving and investing wisely to build up enough wealth to cover living expenses and have the freedom to retire early and live life on your own terms. Life is so difficult to decide, but that’s what make it beautiful isn’t it?

There are two commons way of how people count they have enough or not.

1. Withdrawal Rate of 4%

Many would have heard of this, but what is the 4% withdrawal rate?

The 4% withdrawal rule, also known as the “4% rule,” is like your easy-to-follow roadmap for early retirement savings. It says you can take out 4% of your initial retirement nest egg every year to cover your bills and have your money last for around 30 years or more. It’s basically a cool way to make sure you don’t run out of cash during retirement. It is assume that the return rate of your portfolio can outlast your life and withdrawal rate of 4%.

Now, this rule is not just some random idea. It looks back at how the stock market and bonds performed in the past. It assumes you’ve got a mix of stocks and bonds in your retirement fund and that you’re going to bump up your annual withdrawals to keep up with rising prices (that’s called inflation). So, it’s like this guideline that says, “Hey, based on history, this plan should work for most people.”

However, some who are more conservative, can use 2.5% or 3%.

2. Passive Income > Expenses

Passive income > Expenses.

This is one of the most common way that people share. One of the most common passive income would be dividend investing.

This means that you dividend income yearly exceed all your expenses, hence, theoretically you can last forever, there is no need to sell any shares, just collect dividend years after years.

However, don’t forget that Dividend Investing could be dangerous.

But this passive income is compare to expenses, see method 3 below.

Photo by JOSHUA COLEMAN on Unsplash

A new interesting way that I have heard today.

Passive Income more than your Active Income.

I saw this from InvestingNote, from the “Guru Happily” with lots of cash flow and assets that have already FIRE!

Let me screenshot what he has posted.

Personally, what struck me most is this

No need to get paralyzed and paranoid over hypothetical suddenly shock events. If you passive income already same or more than your active income, there is no need to over provision for such events.

Personally, I am paranoid. I have enough passive income to cover expenses of family and with left over income left but I am personally worried about such scenarios, especially I have young kids and elderly parents. Hence, I am still working, but with everyday gone, means lesser time left on Earth.

However, I saw the below online recently:

By the time your kids are 12 years old, you will have spent 75% of all the time you will ever spend with them. By age 18, that percentage increases to 90%. Treasure your limited time with them, money can be earned back.

However, if I compared my passive income to active income, my passive income is lesser than active income. So this means I am not ready yet. I need to convert more active income to passive income such that one day my passive income will be greater than active income. But that one day is very far!

What do you think of the method?

Passive Income more than your Active Income, not expenses!

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

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.

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.

More articles can be found here.

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].

SBDEC23 GX23120Z – a must buy for Saver!

Posted on by careyourpresent

This month SSB is great. 3.4% for average 10 years with 1st year 3.3%. With FED sound hawish, and the market “rallying” for past few days, those who afraid that rate will drop, can buy some SSB now.

Let’s Recap First!

Let’s us recap the advantages of SSB first:

  • Very safe – backed by Singapore Government
  • Locked down decent rates of around 3% for 10 years.
  • Easy to redeem and can redeem partial
  • Liquidity needs maximum of 1 month where you can get your money back. Hence suitable as emergency fund.
  • Limit of 200k should be good enough for most people.
  • Can build Bond Ladder to get monthly income (which I have already did)

Let’s us recap the disadvantages of SSB:

  • Short term rates are lower than banks’ fixed deposits, money market funds such of around 3.5% and above.
  • Risk Free 6 month treasury yield is close to 4% which is higher
  • Low returns
  • 1 month liquidity to redeem your funds may be too long for people who need the funds immediately.

Buy or Bye?

It’s a good buy if you have spare cash and want to lock 10 years rate.

Otherwise, perhaps might be better to wait for chance in equity market?

For me I am adding, but last month it was almost oversubscribed with limit of 47k. This month, definitely will be lesser, 20k? 10K? We will see.

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

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.

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.

More articles can be found here.

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].