Inspiring 26-year-old reader: It’s not important on how much we are given/have. But how we utilize our resources no matter how little, that is far more important.

Earlier this week, I received an email from a reader. This 26-year-old’s story is inspiring, and also led me to contemplate on my own life goals. I sought his permission to share his story here and believe that it would benefit other readers, both long time and new. Continue reading “Inspiring 26-year-old reader: It’s not important on how much we are given/have. But how we utilize our resources no matter how little, that is far more important.”

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Property V.S. Stocks – Which has better returns?

As a millennial living with almost every one that I know trying to keep up with the Joneses, it’s not surprising to see some of my friends spending a hell lot to get their first home. The concept is drilled into their heads that property is 99.9999% of the time the best investment that they can make in their entire lives. In fact, the price that they are willing to pay is sometimes something that my alter ego of Miss Niao will never approve of. Continue reading “Property V.S. Stocks – Which has better returns?”

Comprehensive Breakdown to Insurance Plans – FREE spreadsheet!

READ THIS BEFORE INVESTING WITH INSURANCE PLANS!

I am not sure if it’s coincidental or not, but recently I have been receiving quite a few requests from my readers and friends for evaluation of their insurance plans. Some of them were directed from the story of my ILP which was posted on HWZ, while others chanced upon my blog. Perhaps it was because of the spreadsheets that I have uploaded.

I have reviewed the spreadsheets but there isn’t one that can help to calculated exactly how much your returns would be with insurance plans. To my surprise, there are many people who don’t know how the actual calculations are being done with their plans – they only know what is the projected amount that they would get at the end of it. Continue reading “Comprehensive Breakdown to Insurance Plans – FREE spreadsheet!”

October 2017 – Portfolio Updates

This post is way overdue, but still needed nonetheless. October was a decent month for both BF and my portfolio performances, and I am quite pleased with it, although not complacent. At the end of October, my time-weighted returns have reached 11.33% with an XIRR of 18.09%. Continue reading “October 2017 – Portfolio Updates”