2018 Portfolio Updates

It’s the 2nd year that Miss Niao can celebrate a full-year review for her portfolio again. How well did I do as an investor? Not at all fantastic, though still in line with my goals.

A Look Back on 2017

In 2017, I started my investing journey and injected my funds rather consistently, performing a buy trade with a monthly/bi-monthly frequency. I had no sell trades in 2017.

I have also experienced how a bull market is like, and the emotions I had to go through of having a loss of double digit percentage points on paper – not that it went anywhere unbearable. Continue reading “2018 Portfolio Updates”

My Net Worth In 2018

2019 is finally here to stay for the next 360+ days, and I can’t wait to review my finances for the year. After my CPF interest has been deposited on the last day of 2018, I do have a rough idea on how well I did in my financial health for the year and I am very glad to say that it has been much better than I’ve expected it to be, though I fell very short on my expenses and exceeded my budget very… exceedingly due to some unexpected expenditures that were quite unavoidable and unaccounted for.

I guess that’s a way of how life throws a rock on your head and reminds you to always prepare yourself for unplanned circumstances, and that even if things don’t go the way you want it to be, it’s going to be fine because you’ll always find a way to make it work, and eventually maybe find other ways to make your situation even better.

Things can always be a lot worse. Continue reading “My Net Worth In 2018”

Would You Retire Overseas?

We always talk about retirement in Singapore and the projected expenses that we need to reach financial freedom. I set out on my journey with a target of having a passive income of S$3000 per month by the time I am 40 to cope with the rising cost of living in Singapore and possible inflation of my standard of living.

Now that I am 28 officially, my goals still stand with similar projections.

All I need is S$616,930.67 with a 6.5% annual yield to reach my goal.

Sounds easy? Of course not. That 600-odd thousand amount is the amount of money I have to have in my investment instruments ALONE. All the money I have in my CPF or emergency funds, or even war chest to be specific enough should not count in that amount.

Based on those numbers, I also have to pump in S$30,000 of fresh funds per year. That is not a small amount at all, and barely leaving me any other money for additional savings or other purposes.

But recently, I was introduced to another solution to reach retirement much faster. How fast you say? Continue reading “Would You Retire Overseas?”

November 2018 – Portfolio Updates

One more month left until the end of 2018. It’s time that I start reflecting on my achievements for this year. Soon, you will also see my expenses report, goal review and the final portfolio update in preparation for new goals in 2019. I still have one month to accomplish my goals for the year and I’m wondering how I will feel after 2018 have passed.

Will I be upset or elated over my experiences? Somehow, I feel that self-fulfillment has been something that I’ve always struggled with. Since young, I’ve been taught to be competitive and aim for higher achievements (e.g. getting better results when I’ve already gotten 85/100 for a test), but when will I ever find the silver lining? It is probably something deeper inside me that I have to deal with.

But anyway, I’ll put reflection aside for now – or a month – and focus on something more relevant. Continue reading “November 2018 – Portfolio Updates”

October 2018 – Portfolio Updates

So 11.11 happened over the weekend and usually I’ll be stuck in front of my PC trying to find good deals. For this year though, I didn’t buy a single thing nor went to any website to look for something, for the sake of buying something. It just felt like I didn’t need anything, and I am thinking if it’s related to my minimalistic approach to stuff now.

The cycle goes something like this. The less I purchase, the more I know what I need, and I can be selective with my money. And being a natural cheapskate towards myself, it is easy to say “no” when it comes to unnecessary evil.

In fact, I don’t even shop all that more when I’m overseas.

Well, alright. Perhaps I am guilty of some splurges on food and anything that costs <$20 but costs >$20 in Singapore. Continue reading “October 2018 – Portfolio Updates”

Expenses Review – Q3 Y2018

So I’ve been kind of going through a rough patch in my life recently, and was pretty inactive in the blogosphere for the last month. I think it was kinda reflected in my previous post that I wasn’t really okay, but I guess… that it’s okay not to be okay sometimes! Life isn’t supposed to be as picturesque as how everyone paints it to me, and I would very much rather my blog show not only the good, but also the bad experiences that I go through.

Which is why I always blog about my failures, and constantly thinking about ways on how to be a better investor, and thus a better blogger – hopefully. 🙂

It is time again for my expenses review, something which I track so diligently every day since the last quarter of 2017. Continue reading “Expenses Review – Q3 Y2018”

September 2018 – Portfolio (and Personal) Updates

Two more months before the year comes to an end, and I’ll officially be 28. I try to keep my blog posts mostly related to my investment journey, but there’s always some random (and more personal) stuff that goes on in my life which is still pretty blog worthy, so I talk about them to express myself. And perhaps allow my rantings in my writings to come through to others who are feeling the same way.

Have you ever felt like you’ve been trying to please others since forever? Wanting to agree and compromise, and accept the other person for who they are. Be it if they are your spouse, friend or colleague. Continue reading “September 2018 – Portfolio (and Personal) Updates”

August 2018 – Portfolio Updates

With AEM as the newest addition to my portfolio from the beginning of August, things have gotten quite… volatile.

Time weighted return (YTD): -4.11% against STI ETF of -2.88%

XIRR (YTD): -5.92%

It was not surprising that my portfolio dipped again towards the end of the month as the prices of Valuetronics and AEM mostly reduced back closer to their intrinsic values, and my buying prices.

This month has also been rather nice on the collection on dividends with most of the companies announcing their earnings for the 2nd quarter of the fiscal year. Just this month alone, almost half of our portfolio went XD. These stocks are namely: Continue reading “August 2018 – Portfolio Updates”

The Ups and Downs of Electronic Stocks – Valuetronics

I have added some stocks that are in the electronics sector recently in my portfolio, namely Valuetronics and AEM. When I bought them, it was when Mr Market was very unhappy and beaten down their stocks badly.

Needless to say, since I can’t predict how things will turn out, the price of both stocks have also decreased by double percentage points in my portfolio after I bought them. Yet amazingly, within just three days, both have also risen up to be green currently.

17 August 2018

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See more of my portfolio

Continue reading “The Ups and Downs of Electronic Stocks – Valuetronics”

6D5N Yogyakarta Hiking Trip On A Budget – Day 5 & Expenses (Part 3)

For all trip-related posts, navigate here:

Part 1: Arrival @ Yogyakarta, Dinner @ Superman Restaurant, 2D1N Hiking

Part 2: Goa Jomblang (Heaven’s light), Goa Pindul (Cave tubing)

Part 3: Borobodur Temple, Nglinggo Tea Plantation, House of Ramiten, Malioboro Street


We’re down to the last day of my Yogyakarta trip before we fly back to our sunny island the next day. Here’s Day 5 of my trip and my activities for the day. I’ll also be posting my itinerary details and expenses breakdown at the end of my post. If you want me to show you the money right now, click here!

Day 5

We woke up super super early at 3am to leave our hotel and headed to Borododur temple. When we reached there, our driver had already bought the tickets for us. Continue reading “6D5N Yogyakarta Hiking Trip On A Budget – Day 5 & Expenses (Part 3)”