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Tag: Portfolio

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].

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?

Discover the Holy Grail of Investment, where a mere few dollars can transform into millions! Imagine the thrill of turning a modest investment into a life-changing fortune. It’s the ultimate dream, and with our proven strategies, it can become your reality.

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].

$0 Free of Charge Transfer of SGX Shares from FSM to CDP and updates! – Done in less than 3 days!

Posted on by careyourpresent

On 29 August 2023, I have shared in detail via this article ($0 Free of Charge Transfer of SGX Shares from FSM to CDP and updates!) on how I did the transfer of my shares in FSM to CDP. I am old school and I love CDP very much and wanted to buy SGX shares using the lowest cost…update…The transfer is completed now!

Yes, it took only 28 Aug 2023 to 31 Aug 2023 to complete!

Here is the timeline:

I have completed the 3 Steps on 28 Aug 2023 and sent out the email to FSM on 11.24 AM on 28 Aug 2023 to request for the transfer.

They replied me at the nighttime of 28 Aug 2023 on 21.36 and informed me that there is an update to the new form and asked me to submit the new form instead.

I have submitted the new form 29 Aug 2023, 1.46pm.

They replied me on 29 Aug 2023, 22.29 stating my signature is wrong. (ops, i accidentally put in my wrong PDF signature.)

I resubmitted again with the correct signature on 30 Aug 2023 9.34 am.

Guess what? I received a call around 30 Aug 2023 11 am to ask me to verify my transfer request via OTP. Then received the following email after a while.

Guess what? Transfer to CDP done at 31 Aug 2023 at 1.57pm!

Summary and good deal!

Low commissions to trade SGX stocks, then free transfer to CDP (currently is waived till further notice, hope they don’t remove it soon), fast and efficient customer service officers! Whole process with emails reply and fro but took only 28-31 Aug 2023, less than 3 days to complete! What else could you ask for?

Don’t miss this good deal!

Don’t miss out another good deal from Webull this month!

Simply sign up here and fund ANY amount (S$0.01 also can!), hold for 30 days and get US24-800 worth of free shares! 8 Free shares!

$0 Free of Charge Transfer of SGX Shares from FSM to CDP and updates!

Posted on by careyourpresent

On 19 July 2023, I have shared in detail via this article (Cheapest and best way to trade Singapore Stocks with CDP) on how I did the transfer of my shares in FSM to CDP. I am old school and I love CDP very much and wanted to buy SGX shares using the lowest cost possible. There are only two options available in the market now – DBS Vickers Cash upfront and FSMone. But I can’t use DBS Vickers Cash upfront because I am using Joint CDP account as per of my estate planning. (read: Simplified Guide to the Key Gist of Grant of Probate and Estate Planning).

I love FSM as one of my favourite brokers! Why so?

As shared in that article, I used FSM to buy because I can put my spare investment funds earning 3.1% in FSM Autosweep while waiting for sales in the market. Commissions to buy sgx shares for value of $10+ is only around $12-$14 and I can transfer the shares to CDP for free.

As a summary of what has happened in the last transfer!

On 17 Jun, I have sent in request to FSM to request the transfer of three shares – Boustead, MIT and Areit from FSM to CDP. The transfer is done on 21 June 2.41pm with the shares minus from my FSMone account and credited to CDP account.

New Transfer today on 28 Aug 2023

Although Dividend Investing is Dangerous, I didn’t heed that advice. Instead, I have taken advantages of the recent volatility in the market to accumulate some shares and initiated the transfer of SGX shares from FSM to CDP on 28 Aug 2023. Let me share the screenshots and processes again for those who wish to find out more.

Let me share more about the Transfer Process

Step 1: Fill up the transfer Form

To transfer out your stocks/ETFs to CDP, please complete FSMOne Security Transfer-In/Out Instruction (Cash) and send it to us via email.

Sorry, FSMone replied me and informed me that there is an updated form with effect from 1 Aug 2023. Please go to the new link below.

You may download the new transfer form from our website at Support > Form/download > Stock, ETFs, Bonds Transfer in/out of FSMOne(Cash Holding)> SECURITIES TRANSFER FORM (CASH ONLY) . 

https://secure.fundsupermart.com/fsm/advice-services/faq/2195/

How to fill the form:

There are some parts of the forms which I don’t know how to fill until I went to ask FSMone customer service. Since I have the information now, let me share it. See the screenshots below.

Updated 29 Aug 1.55pm with screenshots of new form
Updated 29 Aug 1.55pm with screenshots of new form

This part of the form quite easy and just fill accordingly.

Step 2: Download your latest statement of Holdings in FSMone

Download and attach a copy of the latest statement of holdings (dated within 3 months) with this transfer form and follow step 3.

Step 3: Send to FSM and wait!

Email your transfer form (step 1) and latest statement (step 2) to [email protected].

After that just wait for the acknowledgement and the transfer to take places.

I have done the transfer at least 6 times, so far all of them took within a week with only 1 time that took about a month. That’s why FSMone normally will tell you take 1-2 weeks but usually it’s faster than that.

Waiting Time Now

I have completed the 3 Steps on 28 Aug 2023 and sent out the email to FSM on 11.24 AM on 28 Aug 2023.

Updated: They replied me at the night time of 28 Aug 2023 and informed me that there is an update to the new form and asked me to submit the new form instead.

Let’s see how long this time will take 🙂

For those who have noticed, I have not been sharing my buys/sells via Twitter…

For those who have noticed, I have not been sharing my buys/sells via Twitter REALTIME…

My original intention is to be transparent and also perhaps set it as a form of record for my own reference (future kids reference when they grow up). However, after a while, I am thinking perhaps it is better not to share and it may consciously and subconsciously, influence other people to follow the buy/sell?

Should I continue to share? maybe but not realtime.

Anyway, now the trades are done quite a while ago, perhaps I can share that recently,

  • I have bought CapitaLand China Trust (hit Covid low and lots of fear, why not?)
  • I have bought Mapletree Logistics Trust
  • I have bought CKI listed in Hong Kong at 39.1 (going to xD, more dividends coming and 6.5% yield, why not?)
  • I have bought Mapletree Industria Trust at $1.17 and sold at $1.25 because I feel that risk and volatility will be high in Sep 2023 for US side. MIT 50% is Data Centres in US.

Currently I am holding to 53% cash. Now is good time for investor to wait since waiting cash can earn 3%~4% yield. So why not wait for good chance to enter.

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 🙂