2019 Income/Expense Report – Reaching FI by 40

It kinda seems like I’m always blogging during the holidays, with Chinese New Year just 2 days away. This year started rather slow for me, and I hope it stays this way because I’m not very excited to be changing the first number in front of my age. Just trying to delay the inevitable in my dreams, I guess.

I had some time this week for self reflection and I read through some of my old blog posts. Generally, my goals towards being financially free hasn’t changed, but I think my personality was a little altered because of a shift in priorities in my life. My old blog posts were raving with creativity on how to maximize returns while spending lesser. In fact I did a lot of research and spent most of my time thinking about how to make passive income in the right way, and the best way possible. Continue reading “2019 Income/Expense Report – Reaching FI by 40”

Portfolio Update – Winners and Losers of 2019

Merry Christmas and a happy new year to you if you’re reading this during the holidays! I celebrated my Christmas by having a really satisfying nap in the afternoon – though not as satisfying as the dividends I’m going receive from LSE:BATS going XD this month. Hehe.

And that pretty much wraps up 2019 for me. Another year of investing awaits me, but I have much more to reflect upon before I continue my journey in 2020.

I love how bloggers make investing look so interesting and motivating, especially those who manage to beat the STI ETF every single year. I guess I was enticed by how well these people had done, and thus the birth of Miss Niao. And it was only when I started my own journey that I realize that investing isn’t that rosy, or exciting. Continue reading “Portfolio Update – Winners and Losers of 2019”

The Value In You and Me

I don’t know if we’re on the verge of recession. We can’t ever predict such things to happen. Just when the stock market is doing rather well this year (at time of writing, STI ETF time-weighted returns are at 8.32%!), I have also received a few pieces of bad news from a bunch of friends and colleagues.

If you’re in a similar industry with me, then you’ll know about the ongoing retrenchments around a few MNCs in Singapore. So far, I’ve personally known 3 friends who are affected by this this year, and they are only in their early 30s and 40s. Continue reading “The Value In You and Me”

My Passive Income for 2019 – Portfolio Dividend Yields!

I’ve got great vibes for blogging at the end of the year. It has been the 3rd year since I’ve been tracking my financial health, and the 3rd year’s always a charm. I guess it has become more significant now what style of investing I am more comfortable with, which is why I decided to start the year-end blog posts with my passive income. I’ll give the readers a little headstart at Miss Niao before they scout around at other financial bloggers and check out how they are doing. And well, because the passive income part of my portfolio is more predictable in terms of numbers, rather than something like my expenses that varies every month.

So I was scouring through my past blogs and it took me like 5 seconds to find my FY2019 goals. Hmm, I wonder why that was so. :p Anyway, just a recap. Continue reading “My Passive Income for 2019 – Portfolio Dividend Yields!”

I’m back for a while!

Okay… So I kinda went on a pretty long hiatus on my blog.

I do have some reasons why, but excuses are just excuses, and I know that people still read my blog, for some reason.

Title is pretty self explanatory, and it really means that I’m back to give a quick update on my life so far. And well, to keep my blog “on track”. And probably myself too.

I actually contemplating on not blogging, like forever. Continue reading “I’m back for a while!”

Goals and Expenses Review – Q1 Y2019 (+ Free Template!)

It is time for my expenses review again for the first quarter of 2019. Also, I decided to make this year’s goals more visible by arranging them into a nice table. Unfortunately, this doesn’t make them easier to achieve, just visually more appealing. 😀

Goals review

expensereviewq12019

I blogged about my financial and expenses goals and there are five particular goals that I wanted to strive for on my financial journey 2019. Continue reading “Goals and Expenses Review – Q1 Y2019 (+ Free Template!)”

February 2019 – Portfolio Updates (Kraft Heinz Co. and more)

The second month of 2019 doesn’t bring too much happenings in my portfolio, apart from the fact that I have moved some of my funds around. I committed to being more aggressive with my fund allocation this year and pushed most of my extra funds into stocks within the past two and a half months.

In February, I made a divestment in AEM and sold all my shares at $1.06 per share. I can say that this decision has been rather quick, and although I did mention before that my target price for this stock was supposed to be $1.31, the actual intrinsic value based on more conservative calculations is in the range of $0.96 to $1.03. Continue reading “February 2019 – Portfolio Updates (Kraft Heinz Co. and more)”