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Category: Investment and Finance

Yield Curve inverted for the longest time! What’s next?

Posted on by careyourpresent

Imagine for the longest time you stretch and stretch a rubber band, what happened eventually? Initially nothing will happened, the rubber band will be stretch and stretch until the pressure is too high and then snap!

Let me post a few charts.

2-year Treasury yield touches highest level since 2006 as Fed signals it’s not done hiking.

The Federal Reserve held interest rates steady, while also indicating it still expects one more hike before the end of the year and fewer cuts than previously indicated next year.

Those highly geared companies will suffer. Something will break. It is just when.

Volatility

Anyway, I did some trade yesterday to curb itchy hand. It’s for fast trade (trading around the core point 5). More volatility will come and chance to buy your equities.

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].

WeBull – Free Money – 7 Days left only!

Posted on by careyourpresent

As shared in my previous post on WeBull – Fund any amount deal is back! Free Money!, the promotional deal this month is marvelous! Simply sign up here and fund ANY amount (S$0.01 also can!), hold for 30 days and get US30-800 worth of free shares! 10 Free shares! (they have increased 2 more free shares since my last sharing!)

For readers who have been reading my posts for a while, I will not share things that I am not using or things that are not attractive to me personally.

The past WeBull signup welcome deals have not been very attractive to me; hence I have not been sharing about them (my last share was in May 2023). However, the coming deal is very attractive and is live now! Hence, I must share them now!

Note: Last day to apply is 28 September 2023, 15.59 Singapore Time! (7 days left only!)

Summarized Simple Steps!

  • Simply sign up here by 28 September 2023, 15.59 Singapore Time
  • Fund ANY amount (S$0.01 also can!) – get 5 free fractional shares (they added 2 bonus share!)
  • Maintain funds for 30 days! – get 5 free fractional shares
  • Read WeBull – Fund any amount deal is back! Free Money! for details

Recent Action to Financial Freedom

Posted on by careyourpresent

I sold something yesterday. Now more cash waiting for deploying…

Waiting for opportunities to add good companies again. Should be very soon.

Be patience.

Today Mapletree Log Dividend. Huat everyone!

It’s a pity that I didn’t get anything from the holy grail of being rich and financial free yesterday!

Revealing the Secrets to the Holy Grail to Financial Freedom

Posted on by careyourpresent

Unveiling the secrets to the Holy Grail of Financial Freedom! Are you ready to break free from financial constraints and pave your way to prosperity?

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Imagine a life where financial worries are a distant memory. Our comprehensive approach to wealth management is your passport to financial bliss. Join our community of successful investors who have unlocked the Holy Grail to financial freedom. Take control of your destiny and embark on a journey towards a brighter, more prosperous future.

The Holy Grail of investment is not a myth; it’s a tangible reality within your grasp. By partnering with us, you’ll unlock the doors to opportunity, gain financial independence, and secure your legacy. Embrace the future with open arms and let us guide you towards a life of prosperity and abundance.

Whether you’re a seasoned investor or just starting your journey, our approach offers a beacon of hope for all. Join us in unlocking the secrets of wealth accumulation and start your journey towards the financial future you’ve always envisioned. Don’t miss out on this incredible opportunity – the Holy Grail of Investment awaits you!

The real secret to the Holy Grail is to

work hard, earn more, control expenses, save more, invest more in fundamental strong companies or simply buy the world index funds to get market return!

Don’t need to pay thousands of course fees to learn this!

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].

Portfolio Update: Dividends/Interest S$3800 per month

Posted on by careyourpresent

It has been a long while since the update of my portfolio. My last update was in February 2023 when I reflect about my life and the recent passing of my mum – Portfolio Update: Feb 2023 and Reflection at half-life (hopefully) mark – 40 Years old. I guess it is a good time to do another update.

Portfolio Update

If we count until end August, below is (which I have shared in Twitter or X earlier) is currently what I have been receiving from Jan to Aug 2023.

It is still a long way to go till my target of $5,000 monthly. I am suffering from the so called “Cash Rot” syndrome where my cash and cash equivalents is still about 50% of my portfolio. As share in my update of my SSB post earlier,

This is the first time in history where there is an unprecedented increase in interest rates by FED within a short span of few months. There will be time lag effect for the hike in rate to affect the market – very likely the coming few months till early Q1 2024. We shall see.

I am hoping for the chance to deploy my cash. But luckily at least now my rotting cash is earning 3-5% every month (SSB, FSM, Treasury Bill, CIMB Fastsaver Promo, Esaver Promo, UOB One, OCBC 360 etc), as compared to the past year period of low interest rate. That period is really the cash rotting period where the interest in bank is so low!

The Change in my Investing Philosophy

I am old already, I want stability and safety in my portfolio. Always manage risk first and make sure I can sleep well.

I didn’t appreciate this when I was younger – I still remembered that I have followed the great broker to buy Healthway last time when I first started investing a decade ago and lost at least 5 digits! I also buy penny stocks, chart here chart there to trade etc.

Nowadays, I simply go for dividend investing in strong companies, index investing in world index and a very small amount in Crypto (because I believe in the potential of Crypto). This is to ensure that I sleep well and use the time in market to my benefit. Ultimately as Warren Buffett has said it

“The stock market is a device for transferring money from the impatient to the patient.”

Be patient my friend.

Of course even if I could turn back the time and tell my young self (or the young people around nowadays) that slow and steady is the way, young people will not believe me and they will laugh at the oldie and say that we are scared of risks, lousy, stupid etc. They are young and believe that they can take risk and grow! Well that’s true too, but better not risk too much till they lose all their strong starting point savings!

House Update

I am moving house finally in next year 2024 and will become debt free. After I sell my current flat, the proceeds should be able to cover the full cost of my new flat!

My BTO should be ready in next year Q1 or Q2 2024. Guess this new BTO place?

I took this photo that people shared in a group chat for my BTO.

To many, I am a low SES family. I have no car, live in poor shoebox 4 room HDB flat currently. My main transport BMW – Bus/Bicycle, MRT and Walk! I have no high flying career and is a just a normal person on street.

But, I choose to love my life daily, grow my wealth, treasure the real important thing is life (family, health, time etc). I don’t want to regret my life on death bed and just blindly pursue wealth.

Of course, it is undeniable that (money) is also an important part of to live a life that one want. Striking a balance is not easy and I am still learning.

Hence I write this blog to pen down my thoughts for myself/family as well as sharing my experiences with others. Hope this blog has inspired or help you in one way or another. It is not easy to find time to continuously to write blog amidst so many things in life, but I must continue!

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].

SSB – SBOCT23 GX23100T This month – 3.16%! Buy or bye?

Posted on by careyourpresent

As predicted in my article on SSB posted on 28 Aug 2023 (Update to Singapore Saving Bonds (SSB) SBSEP23 GX23090F), this month bond is indeed slightly higher than last month, the average is 3.16% for 10 years. One key point to highlight is that the amount offered this time is S$800 millions, which is S$200 millions higher than last month. Maybe MAS thinks more people would applied this month since rate is higher?

My SSB Bond Ladders

Personally, I have also managed to get everything what I have wanted for last month (see: Singapore Saving Bonds (SSB) – SBSEP23 GX23090F application outcome) and replenish my bond ladders. I almost reach the limit of 200k but not yet.

I am more inclined for opportunities in market rather than SSB, since I have lots of SSB now. Additionally, short term rate in Money Market Funds, or high saving accounts like Esaver, CIMB FastSaver, OCBC360, UOBOne are already giving me 3.5% to 5% in the short term, which is much higher than the 3.05% of SSB. Current issue is only slightly higher, unless you have millions in SSB (which you can’t since the limit is 200k), the difference are not that big.

Anyway, picture speaks a thousand words. Let me shared my bond ladders charts 🙂

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?

This is the first time in history where there is an unprecedented increase in interest rates by FED within a short span of few months. There will be time lag effect for the hike in rate to affect the market – very likely the coming few months till early Q1 2024. We shall see 🙂

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 🙂