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Tag: Portfolio

Are you one of them?

Posted on by careyourpresent

There are so many things in life which are full of uncertainty.

Yet, many live in fear about future, keep accumulate more and more wealth so that in future they felt secured. But how much is really enough? Greed has no end; fear has no reasons. In the meantime, they forgot to live in present, care their present.

Many people in their relentless pursue of wealth, sacrificed many important things (family, time, health, passion etc) to them during the journey. Are you one of them? Many people lived as though that they will never die.

Man. Because he sacrifices his health in order to make money. Then he sacrifices money to recuperate his health. And then he is so anxious about the future that he does not enjoy the present; the result being that he does not live in the present or the future; he lives as if he is never going to die, and then dies having never really lived.”

Dalai Lama XIV

Death of the Great Investor at 99

Yesterday the big news is Charlie Munger, died at 99 years old, shy of 1 month plus to his 100th birthday on 1 Jan 2024.

R.I.P.

https://www.cnbc.com/2023/11/28/charlie-munger-investing-sage-and-warren-buffetts-confidant-dies.html

No matter how rich you are. Everyone goes to the same end route. Hence, make your life beautiful now, you never know when your last moment is.

Do you want to become the above?

Do you think you still have enough energy, health to spend the money OR

someone dearest to you who are willing to spend lots of time to you while you are an old man / old woman?


Life is a cycle.

Some of the famous quotes, let me list few that caught my eyes.

You don’t have a lot of envy, you don’t have a lot of resentment, you don’t overspend your income, you stay cheerful in spite of your troubles, you deal with reliable people and you do what you’re supposed to do. All these simple rules work so well to make your life better.” — 2019 CNBC interview

“The world is full of foolish gamblers and they will not do as well as the patient investors.” — 2018 Weekly in Stocks interview

“It takes character to sit with all that cash and to do nothing. I didn’t get to be where I am by going after mediocre opportunities.” — Poor Charlie’s Almanack

On investment -> Latest SSB – SBDEC23 GX23120Z

I have applied for the latest SSB as mentioned in this post (PSA: Highest Yield Singapore Saving Bonds for this month).

Sadly, but as expected, it was oversubscribed. Although I have applied 30k + 30k (with spouse), I only managed to get 20k, total 40k with my spouse. With this application, I am almost at the 200k limit for me and my spouse.

Reminder:

“It takes character to sit with all that cash and to do nothing. I didn’t get to be where I am by going after mediocre opportunities.” — Poor Charlie’s Almanack

Life

Back to life, one of the dearest members of my family were dead two days ago. No matter how small life is, it is still life, especially those holds great meaning to us.
R.I.P.

It the end, everything will become just a piece of decaying meatball.

Treasure what you have now. Live with no regret daily.

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).
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  • 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 🙂

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].

Demise of REITs and do you still believe in REITs?

Posted on by careyourpresent

Reporting season is coming now.

HIGHER financing costs due to the rising interest rate will continue wreak havoc on Singapore-listed real estate investment trusts (S-Reits).

Distribution per Units (DPU) will drop which will result the drop in share prices, which currently many of the REITs are already dropping in price even before the results.

iEdge S-REIT Leaders Index SGD

If we look at the iEdge S-REIT Leaders Index SGD, we have travelled back in time to 2020 covid period and 2016.

Most investors should be suffering heavy loses in REITs. The dividends cannot covered your Capital losses.

In case for those not aware,

The iEdge S-REIT Leaders Index is a narrow, tradable, adjusted free-float market capitalisation weighted index that measures the performance of the most liquid real estate investment trusts in Singapore in SGD.

https://www.sgx.com/indices/products/sreitlsp

More Headwinds

If we look at the current prices of your favorite REITs, everything are at quite depressed price (notice that I didn’t say very depressed price)…

Some are giving up and starts to question whether it is correct to buy REITs in the first place? Does REITs has a place investor portfolio?

DPUs will drop as report season comes

DPUs will drop as report season comes, many people are worry and want to sell sell sell! This is confirm and it will come. Are you worry now?

So am I.

Read the articles which I have posted recently.

Treasury Yield so high. I am fearful. So I sold all.

War Chest dipped below Critical Point!

Lastly, I wanted to end with 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].

Treasury Yield so high. I am fearful. So I sold all.

Posted on by careyourpresent

The 10yr and 30 yr US treasury yield is very high now – 5%. REITs are highly sensitive to interest rate. I am fearful, so I have decided to sold all on 20 Oct 2023.

I am scared and worry with huge paper losses.

You can see below.

Capitalizing on Market Volatility: War Chest dipped below Critical Point!

Posted on by careyourpresent

Recently, the treasury yields have been increasing. Yield increase means higher cost for businesses who borrows (many businesses do borrow), which indirectly means bad for equities. The risk-free rate for 10 years US treasuries has reached 4.8% this week which spooked out many investors, especially REITs Investors!

Cut loss and wait time

To many people and what many have posted online – the interest rate is high; Reits DPU dropping; hence, Reit Price drops. The risk-free premium is getting narrower for the highly leveraged REITs, since the 10 years treasuries are 4.8% now. The risk is high, better don’t buy. It’s better to wait till interest rate cut, situation gets better, price goes up then buy.

Stock market is the only weird place where people rush to exit when there are sales but rushes to enter when the prices are getting more expensive! Isn’t this weird? Do you do this when your favorite items are on sales in the supermarket?

Photo by Dongki Koh on Unsplash

My Actions

These few weeks I have spent small amount of my war chest to do shopping and finally my War Chest dipped below Critical Point! My war chest is now below 50%, at 49.68% now! I have shared my live buys in Twitter, for those interested, can follow and exchange ideas there 🙂

Market Risk

Likely the weeks coming there will be even greater volatility going ahead.

If it down more, I will use more war chest to only buy good companies. If it up more, I may sell some of the recent buy to take profits. The risk is still relatively high for equities now such that it may go down much further, but timing the market is impossible. We could only roughly know what’s the macros are heading, plan your portfolio allocation and buy only good companies.

Japanese Interest Rate

Many people only look at US interest rates.

Don’t forget about Japanese Interest Rate. 10-year Japanese Government Bond Yield has hit a new decade high at 0.80%. BOJ may not be able to maintain their yield curve control or QE any further. Eventually 1% or higher rate will reach sooner than you think.

The chance for the massive decline in global world liquidity due to dwindling yen carry trade is getting higher. Many highly leveraged companies (especially those who are swimming naked) running into issues will be getting higher each day. Imagine the massive pull out of billions of global foreign investments… what will happen?

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].