tag:blogger.com,1999:blog-72953146506166948022024-03-26T23:38:12.704-07:0030 Year Old InvestorYou don't need to pay anyone/company to have a plan of your own to work towards and achieve Financial Independence. Only we alone have no conflict of interest with our own money. "30 Year Old Investor" is a personal blog about a Singaporean's savings and investing journey.30YearOldInvestorhttp://www.blogger.com/profile/18442456587123026225noreply@blogger.comBlogger46125tag:blogger.com,1999:blog-7295314650616694802.post-69759740736632175842024-01-14T02:53:00.000-08:002024-01-14T14:42:44.811-08:00Portfolio Review 2023: Outlook 2024<p></p><div style="text-align: center;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjW0TfnYO4ez80whnoepT2UVlA_R0n_luMSvzRN7d6IZBQkwwQHQDB8yIMVrzK7x6jDjkVYqtk6vkXs6rMI5sgq9mRegDpRT3AMoUpKzrCwRGc5sKT_5xbBYZ3dNkpTtS305S-e-5TxUsO2tFUW7T5q1F27Hgd1ZOvngh9dXM69DmxUjeu_LixI4TcDBV8/s1023/_577c92c3-a2a2-4897-9124-810cfb115b2e%20-%20Copy.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="814" data-original-width="1023" height="319" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjW0TfnYO4ez80whnoepT2UVlA_R0n_luMSvzRN7d6IZBQkwwQHQDB8yIMVrzK7x6jDjkVYqtk6vkXs6rMI5sgq9mRegDpRT3AMoUpKzrCwRGc5sKT_5xbBYZ3dNkpTtS305S-e-5TxUsO2tFUW7T5q1F27Hgd1ZOvngh9dXM69DmxUjeu_LixI4TcDBV8/w400-h319/_577c92c3-a2a2-4897-9124-810cfb115b2e%20-%20Copy.jpg" width="400" /></a></div></div><p>It is now 5 years, 10 months and 21 days ago since I started my investing journey at the age of 30 (February 19th 2018). I'm actually going to become 37 this year.</p><p>I recently did a re-look at my investing numbers:</p><blockquote><p></p><ul style="text-align: left;"><li><b>Cash injection dried up in 2021 - 2022</b>: I was unable to inject any fresh funds/ make new purchases of stocks or REITs due to having to set aside cash for wedding and house commitments. (We should not invest the money we would need in the near term.) This set of commitments are now over and I can finally look to inject cash, and invest into my portfolio again. </li></ul></blockquote><p> </p><blockquote><ul style="text-align: left;"><li><b>New Year New Career direction:</b> Thankful that I am able to start a new career and increase my income. While my income has increased, there may be further challenges down the road that can eat into my ability to invest. (e.g. Starting a family)</li></ul></blockquote><p> </p><blockquote><ul style="text-align: left;"><li><b>Invested portfolio performance in 2023</b>: My Stock and REITs portfolio suffered a lot due to the high weightage of REITs, which has been heavily beaten down by the FED rate increases. Hopefully, for 2024 the FED rates will stabilise and see some recovery. Despite the lack of funds, my portfolio value is holding well. Dividends collected have stagnated due to not purchasing more assets.</li></ul></blockquote><p> </p><b><span style="color: #2b00fe; font-size: medium;">Actual breakdown of the estimates:</span></b><br /><google-sheets-html-origin><table border="1" cellpadding="0" cellspacing="0" data-sheets-root="1" dir="ltr" style="border-collapse: collapse; border: none; font-family: arial, sans, sans-serif; font-size: 10pt; table-layout: fixed; width: 0px;" xmlns="http://www.w3.org/1999/xhtml"><colgroup><col width="41"></col><col width="30"></col><col width="83"></col><col width="88"></col><col width="83"></col><col width="162"></col><col width="81"></col><col width="74"></col></colgroup><tbody><tr style="height: 21px;"><td colspan="4" data-sheets-value="{"1":2,"2":"Road to Financial Independence"}" rowspan="1" style="border-color: rgb(204, 204, 204) rgb(204, 204, 204) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; vertical-align: bottom;">Road to Financial Independence</td><td style="border-color: rgb(204, 204, 204) rgb(204, 204, 204) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-color: rgb(204, 204, 204) rgb(204, 204, 204) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-color: rgb(204, 204, 204) rgb(204, 204, 204) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-color: rgb(204, 204, 204) rgb(204, 204, 204) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td></tr><tr style="height: 21px;"><td colspan="3" data-sheets-value="{"1":2,"2":"PROJECTION"}" rowspan="1" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; font-style: italic; font-weight: bold; overflow: hidden; padding: 2px 3px; vertical-align: bottom;">PROJECTION</td><td style="border-color: rgb(204, 204, 204) rgb(204, 204, 204) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td colspan="2" data-sheets-value="{"1":2,"2":"ACTUAL FIGURES"}" rowspan="1" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; font-style: italic; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">ACTUAL FIGURES</td><td style="border-color: rgb(204, 204, 204) rgb(204, 204, 204) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td></tr><tr style="height: 21px;"><td data-sheets-value="{"1":2,"2":"Year"}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Year</td><td data-sheets-value="{"1":2,"2":"Age"}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Age</td><td data-sheets-value="{"1":2,"2":"Portfolio\nProjected 2%/yr"}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Portfolio<br />Projected 2%/yr</td><td data-sheets-value="{"1":2,"2":"Current capital \ninjection Rate/yr"}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Current capital<br />injection Rate/yr</td><td data-sheets-value="{"1":2,"2":"Estimated\nDividend 3%"}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Estimated<br />Dividend 3%</td><td data-sheets-value="{"1":2,"2":"Actual Portfolio \nat end of yr"}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Actual Portfolio<br />at end of yr</td><td data-sheets-value="{"1":2,"2":"Actual Capital\r\nInjection/yr"}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Actual Capital<br />Injection/yr</td><td data-sheets-value="{"1":2,"2":"Actual \nDividends"}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Actual<br />Dividends</td></tr><tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2018}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2018</td><td data-sheets-value="{"1":3,"3":31}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">31</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":360}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$360.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":15941.59}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$15,941.59</td><td data-sheets-numberformat="{"1":2,"2":"$#,###,###.00","3":0}" data-sheets-value="{"1":3,"3":16928.4}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$16,928.40</td><td data-sheets-numberformat="{"1":2,"2":"$#,###,###.00","3":0}" data-sheets-value="{"1":3,"3":513.25}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$513.25</td></tr><tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2019}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2019</td><td data-sheets-value="{"1":3,"3":32}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">32</td><td data-sheets-formula="=(1.02*R[-1]C[0])+R[-1]C[1]+R[-1]C[2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":24600}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$24,600.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":738}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$738.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":42318.06}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: #515151; font-family: Arial; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$42,318.06</td><td data-sheets-numberformat="{"1":2,"2":"$#,###,###.00","3":0}" data-sheets-value="{"1":3,"3":23670.94}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$23,670.94</td><td data-sheets-numberformat="{"1":2,"2":"$#,###,###.00","3":0}" data-sheets-value="{"1":3,"3":815.3}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: #515151; font-family: arial; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$815.30</td></tr><tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2020}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2020</td><td data-sheets-value="{"1":3,"3":33}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">33</td><td data-sheets-formula="=(1.02*R[-1]C[0])+R[-1]C[1]+R[-1]C[2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":37830}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$37,830.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":1134.8999999999999}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$1,134.90</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":2,"2":"$73,116.93\r\n(Set aside $29,600 for\r\nwedding by end 2020)\r\n\r\nTherefore actual = $43,516.93"}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$73,116.93<br />(Set aside $29,600 for<br />wedding by end 2020)<br /><br />Therefore actual = $43,516.93</td><td data-sheets-numberformat="{"1":2,"2":"$#,###,###.00","3":0}" data-sheets-value="{"1":3,"3":27272.78}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$27,272.78</td><td data-sheets-numberformat="{"1":2,"2":"$#,###,###.00","3":0}" data-sheets-value="{"1":3,"3":916.0519999999999}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: #515151; font-family: arial; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$916.05</td></tr><tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2021}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2021</td><td data-sheets-value="{"1":3,"3":34}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">34</td><td data-sheets-formula="=(1.02*R[-1]C[0])+R[-1]C[1]+R[-1]C[2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":51721.5}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$51,721.50</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":1551.645}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$1,551.65</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":2,"2":"79694.64\n\n(Set aside $39,200 for\nwedding by end 2021)"}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: red; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">79694.64<br /><br />(Set aside $39,200 for<br />wedding by end 2021)</td><td data-sheets-formula="=R[0]C[4]-R[-1]C[4]" data-sheets-numberformat="{"1":2,"2":"$#,###,###.00","3":0}" data-sheets-value="{"1":3,"3":4288.830000000005}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: red; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$4,288.83</td><td data-sheets-numberformat="{"1":2,"2":"$#,###,###.00","3":0}" data-sheets-value="{"1":3,"3":1481.7930000000001}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$1,481.79</td></tr><tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2022}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2022</td><td data-sheets-value="{"1":3,"3":35}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">35</td><td data-sheets-formula="=(1.02*R[-1]C[0])+R[-1]C[1]+R[-1]C[2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":66307.575}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$66,307.58</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":1989.22725}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$1,989.23</td><td data-sheets-numberformat="{"1":2,"2":"$#,###,###.00","3":0}" data-sheets-value="{"1":3,"3":79428.15999999997}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$79,428.16</td><td data-sheets-formula="=R[0]C[4]-R[-1]C[4]" data-sheets-numberformat="{"1":2,"2":"$#,###,###.00","3":0}" data-sheets-value="{"1":3,"3":-266.48000000002503}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: red; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">-$266.48</td><td data-sheets-numberformat="{"1":2,"2":"$#,###,###.00","3":0}" data-sheets-value="{"1":3,"3":2028.5594669999996}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$2,028.56</td></tr><tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2023}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2023</td><td data-sheets-value="{"1":3,"3":36}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">36</td><td data-sheets-formula="=(1.02*R[-1]C[0])+R[-1]C[1]+R[-1]C[2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":81622.95375}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$81,622.95</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":2448.6886125}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$2,448.69</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":102676.2}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$102,676.20</td><td data-sheets-formula="=R[0]C[4]-R[-1]C[4]" data-sheets-numberformat="{"1":2,"2":"$#,###,###.00","3":0}" data-sheets-value="{"1":3,"3":5226.380000000019}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: red; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$5,226.38</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1,"4":1}" data-sheets-value="{"1":3,"3":2077.7460100000008}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$2,077.75</td></tr><tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2024}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2024</td><td data-sheets-value="{"1":3,"3":37}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">37</td><td data-sheets-formula="=(1.02*R[-1]C[0])+R[-1]C[1]+R[-1]C[2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":97704.10143750001}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$97,704.10</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":2931.123043125}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$2,931.12</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td></tr><tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2025}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2025</td><td data-sheets-value="{"1":3,"3":38}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">38</td><td data-sheets-formula="=(1.02*R[-1]C[0])+R[-1]C[1]+R[-1]C[2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":114589.306509375}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$114,589.31</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":3437.67919528125}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$3,437.68</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td></tr><tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2026}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2026</td><td data-sheets-value="{"1":3,"3":39}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">39</td><td data-sheets-formula="=(1.02*R[-1]C[0])+R[-1]C[1]+R[-1]C[2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":132318.77183484376}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$132,318.77</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":3969.5631550453127}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$3,969.56</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td></tr><tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2027}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2027</td><td data-sheets-value="{"1":3,"3":40}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">40</td><td data-sheets-formula="=(1.02*R[-1]C[0])+R[-1]C[1]+R[-1]C[2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":150934.71042658595}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$150,934.71</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":4528.041312797578}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$4,528.04</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td data-sheets-value="{"1":2,"2":" "}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"></td></tr></tbody></table><br /></google-sheets-html-origin><p></p><div><google-sheets-html-origin><b><span style="color: #cc0000; font-size: large;">Plans for 2024:</span></b></google-sheets-html-origin></div><div><google-sheets-html-origin><br /></google-sheets-html-origin></div><div><blockquote><ul style="text-align: left;"><li><b>New assets purchase to bolster dividends:</b> If I want to keep to my portfolio growth, I will need to quickly purchase some assets. At current point, I have been out of market for a while. I do hear of issues with Keppel DC reit and ESR reit. More research has to be done to purchase more units of stocks/ REITs. Perhaps it would also be an option to add to my current holdings instead of looking for new counters.</li></ul></blockquote><p> </p><blockquote><ul style="text-align: left;"><li><b>Learn driving:</b> I think many of my peers are quite shocked that at age 36 I still do not have my driving license. In the past, I see that my family is too poor so I will probably not ever have a car. Things however have changed, and it is possible that at some point I may consider getting a second hand car. Driving is also a good lifeskill to have, e.g. it might help me get around for work, if I'm on work trips.</li></ul></blockquote><p> </p><blockquote><ul style="text-align: left;"><li><b>Do base job well in shortest time possible: </b>It is quite a steep learning curve for me in my new role, and I need to pick things up fast so that I can start contributing to my new team that placed their faith in me, despite me not having very much knowledge of my work segment. I am mainly focusing on 2 aspects: people (networking), and doing the base job well.</li></ul></blockquote><p><br /></p><p>Please feel free to share with me any stock information, or tips for driving school. Till the next time!</p><div>-----------------------------------</div><div><br /><div class="separator" style="background-color: white; clear: both; color: #515151; font-family: "Droid Serif", sans-serif; font-size: 14px; text-align: center;"><div class="separator" style="clear: both; text-align: left;"><span style="border: none; color: #cc0000; font-size: large; margin: 0px; outline: none; padding: 0px;"><b>Share with me and fellow readers!</b></span></div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;"><b style="font-size: 12.8px;"><span style="border: none; color: red; font-size: x-large; margin: 0px; outline: none; padding: 0px;">K.C.</span></b></div></div><div class="separator" style="background-color: white; clear: both; color: #515151; font-family: "Droid Serif", sans-serif; font-size: 14px; text-align: center;"><div style="text-align: left;"><i>If you like this post, you might <a href="https://www.facebook.com/30yroldinvestor/" style="border: none; color: #e03f00; margin: 0px; outline: none; padding: 0px; text-decoration-line: none; transition: background-color 0s ease 0s, color 0.2s linear 0s;">like our facebook page</a> as well. </i><i>I'm also on <a href="https://www.investingnote.com/users/kc_30#/?display=profile&user=kc_30&tab=latest" style="border: none; color: #e03f00; margin: 0px; outline: none; padding: 0px; text-decoration-line: none; transition: background-color 0s ease 0s, color 0.2s linear 0s;">Investing Note</a>. I am also partnering with Reit-tirement blog and other bloggers to share ideas at: <a href="https://www.facebook.com/groups/1397925937071525/" style="border: none; color: #e03f00; margin: 0px; outline: none; padding: 0px; text-decoration-line: none; transition: background-color 0s ease 0s, color 0.2s linear 0s;">https://www.facebook.com/groups/1397925937071525/</a></i></div><div style="text-align: left;"><br /></div></div></div><p><i style="background-color: white; color: #515151; font-family: "Droid Serif", sans-serif; font-size: 14px;"><span style="border: none; color: #cc0000; margin: 0px; outline: none; padding: 0px;">Disclaimer: The views expressed, opinion and information in this article are strictly for informational purposes to encourage educational discussions only. No content on this site constitutes - or should be understood as constituting - a recommendation to enter any securities transactions or to engage in any of the investment strategies presented in our site content. We do not provide personalised recommendations or views as to whether a particular stock or investment approach is suitable to the financial needs of a specific individual. No representation or warranty expressed or implied is made as to, and no reliance shall be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained on this website. "30 Year Old Investor" shall not be liable whatsoever for loss or damages of any kind arising from the result of any use, reliance or distribution of the articles or its contents from information contained on this website. </span></i> </p></div>30YearOldInvestorhttp://www.blogger.com/profile/18442456587123026225noreply@blogger.com0tag:blogger.com,1999:blog-7295314650616694802.post-39318924704156505392023-12-19T02:09:00.000-08:002023-12-19T02:14:35.157-08:00Every End is a New Beginning. Christmas reflections 2023<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgC9fOLwDoK6XXf2gn7-jeOuuqYP1aaBHlCSkPYBhVkbIrQ9ueQ6ww4Akd512MBR3duLPjoIztYD-vbDEp5H0-PFaL0OEG-B28gxmNtbYzVghWSfy8qF61EQmb48STjwMh8wn340dB_jMqHRcibeKRITWFArjKOHPa3sMQkLxSaEnytP83Y1RgI5daQKnA/s1024/_e8133810-8cae-4ccc-b697-265a465d041b.jpeg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1024" data-original-width="1024" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgC9fOLwDoK6XXf2gn7-jeOuuqYP1aaBHlCSkPYBhVkbIrQ9ueQ6ww4Akd512MBR3duLPjoIztYD-vbDEp5H0-PFaL0OEG-B28gxmNtbYzVghWSfy8qF61EQmb48STjwMh8wn340dB_jMqHRcibeKRITWFArjKOHPa3sMQkLxSaEnytP83Y1RgI5daQKnA/w400-h400/_e8133810-8cae-4ccc-b697-265a465d041b.jpeg" width="400" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div>At the start of January 2024, I'll be officially starting a new position. 😄 I thank God for the many valuable life lessons learnt and people met as I went through this period of my life.<br /><br />As with every new beginning, something good has to come to an end. As the Chinese saying goes: "天下无不散之筵席" (There's no banquet that does not end eventually.) I'm still in the process of grieving this bittersweet sense of loss as colleagues in my current organisation has been rather nice and helpful. No doubt, I'll be able to retain these friendships even after I leave but I do know that for the sake of my career it is a choice I have to make.<br /><br /><b><span style="color: #cc0000; font-size: large;">How did this materialise?</span></b></div><div><br /></div><div>Back earlier in the year, I was actually trying to go for another internal role which eventually I was unable to attain. </div><div><br /></div><div>It was a rather difficult process through which I had to deal with alot of internal dialogue surrounding dealing with:</div><div><br /></div><blockquote style="border: none; margin: 0px 0px 0px 40px; padding: 0px; text-align: left;"><div>1.<b> Sense of failure</b> (but I know that all failures are mostly not fatal, and all successes not final) </div></blockquote><blockquote style="border: none; margin: 0px 0px 0px 40px; padding: 0px; text-align: left;"><div> </div></blockquote><blockquote style="border: none; margin: 0px 0px 0px 40px; padding: 0px; text-align: left;"><div>2. <b>Self doubt</b> (I thought I had it in me but maybe I was too full of myself) </div></blockquote><blockquote style="border: none; margin: 0px 0px 0px 40px; padding: 0px; text-align: left;"><div> </div></blockquote><blockquote style="border: none; margin: 0px 0px 0px 40px; padding: 0px; text-align: left;"><div>3. <b>Negative outbursts</b> (Dealing with my own personal emotions is a rather tricky thing, as employers may not like it when employees express unhappiness) </div></blockquote><blockquote style="border: none; margin: 0px 0px 0px 40px; padding: 0px; text-align: left;"><div> </div></blockquote><p> All in all, there was a time I probably wallowed for a while. And then, a headhunter came calling.</p><div><div><b><span style="color: #cc0000; font-size: large;">One door closes, another opens.</span></b></div></div><div><br /></div><div>Still reeling from the pain and depths of defeat, my confidence was wrecked and at an all time low. I recall I was qualifying the recruiter multiple times: Are you sure you got the right person? Am I really the person you are looking for? </div><div><br /></div><div>It was funny but things went so smoothly through the rounds of interviews in double quick time that I really couldn't process it as quickly. When I broke the news with another colleague over lunch to ask for her advise, she mentioned: 是你的,就是你的,不是你的莫强求 "In life, something meant to be yours will be yours. Conversely, what is not yours can't be forced."</div><div><br /></div><div>It was a funny rollercoaster of emotions:</div><div><br /></div><blockquote style="border: none; margin: 0px 0px 0px 40px; padding: 0px; text-align: left;"><div><b>1. Confidence:</b> Confidence was wrecked totally and then built right back up. (Somehow internally, I'm not as valued as externally) </div></blockquote><blockquote style="border: none; margin: 0px 0px 0px 40px; padding: 0px; text-align: left;"><div> </div></blockquote><blockquote style="border: none; margin: 0px 0px 0px 40px; padding: 0px; text-align: left;"><div><b>2. Humility, and gratitude:</b> If I had probably gotten the internal role, I might have been very proud of it. With this developments, it was almost as if it fell out of the sky (Not quite as I had really put in alot of effort) </div></blockquote><blockquote style="border: none; margin: 0px 0px 0px 40px; padding: 0px; text-align: left;"><div> </div></blockquote><blockquote style="border: none; margin: 0px 0px 0px 40px; padding: 0px; text-align: left;"><div><b>3. Mental Fuel:</b> Turning emotions of anger, frustration, failure into fuel. I channeled whatever regrets and pain I had from the internal role to try my best for the external role.</div></blockquote><div><br /><div>Somehow, things went smoothly. Now, I'm quite sure that there will be new challenges facing me in the coming year. Come what may, life has to go on. <br /><br />Christmas is a season of Love and giving. I'm thankful for the people who rejected me and taught me life lessons, as well as for those who showed me care, concern and love. <br /><br /><b><span style="font-size: large;"><span style="background-color: #999999;"><span style="color: red;">M</span><span style="color: #ffa400;">e</span><span style="color: #fcff01;">r</span><span style="color: #04ff00;">r</span><span style="color: #01ffff;">y</span> <span style="color: #2b00fe;">C</span><span style="color: #800180;">h</span><span style="color: #ff00fe;">r</span><span style="color: red;">i</span><span style="color: #ffa400;">s</span><span style="color: #fcff01;">t</span><span style="color: #04ff00;">m</span><span style="color: #01ffff;">a</span><span style="color: #2b00fe;">s</span> 2023</span>, </span></b></div><div><b><span style="font-size: large;">Fellow friends and investors!~</span></b></div><div><br /></div><div>-----------------------------------</div><div><br /><div class="separator" style="background-color: white; clear: both; color: #515151; font-family: "Droid Serif", sans-serif; font-size: 14px; text-align: center;"><div class="separator" style="clear: both; text-align: left;"><span style="border: none; color: #cc0000; font-size: large; margin: 0px; outline: none; padding: 0px;"><b>Share with me and fellow readers!</b></span></div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;">p.s. It's been really a long time since I have had the chance to sit down to blog and reflect. I will be looking at my portfolio which was started in 2018 to see what I can do to continue this journey! Thankfully, although I'm sitting on some paper loss, overall due to the dividend strategy I'm overall profitable. Hopefully, REITs will huat again this year with the FED cuts.<br /></div><div class="separator" style="clear: both; text-align: left;"><br /></div></div><p style="background-color: white; border: none; color: #515151; font-family: "Droid Serif", sans-serif; font-size: 14px; margin: 0px; outline: none; padding: 0px;"></p><div style="background-color: white; color: #515151; font-family: "Droid Serif", sans-serif; font-size: 12.8px;"><b><span style="border: none; color: red; font-size: x-large; margin: 0px; outline: none; padding: 0px;">K.C.</span></b></div><div class="separator" style="background-color: white; clear: both; color: #515151; font-family: "Droid Serif", sans-serif; font-size: 14px; text-align: center;"><div style="text-align: left;"><i>If you like this post, you might <a href="https://www.facebook.com/30yroldinvestor/" style="border: none; color: #e03f00; margin: 0px; outline: none; padding: 0px; text-decoration-line: none; transition: background-color 0s ease 0s, color 0.2s linear 0s;">like our facebook page</a> as well. </i><i>I'm also on <a href="https://www.investingnote.com/users/kc_30#/?display=profile&user=kc_30&tab=latest" style="border: none; color: #e03f00; margin: 0px; outline: none; padding: 0px; text-decoration-line: none; transition: background-color 0s ease 0s, color 0.2s linear 0s;">Investing Note</a>. I am also partnering with Reit-tirement blog and other bloggers to share ideas at: <a href="https://www.facebook.com/groups/1397925937071525/" style="border: none; color: #e03f00; margin: 0px; outline: none; padding: 0px; text-decoration-line: none; transition: background-color 0s ease 0s, color 0.2s linear 0s;">https://www.facebook.com/groups/1397925937071525/</a></i></div><div style="text-align: left;"><br /></div><div style="text-align: left;"><i><span style="border: none; color: #cc0000; margin: 0px; outline: none; padding: 0px;">Disclaimer: The views expressed, opinion and information in this article are strictly for informational purposes to encourage educational discussions only. No content on this site constitutes - or should be understood as constituting - a recommendation to enter any securities transactions or to engage in any of the investment strategies presented in our site content. We do not provide personalised recommendations or views as to whether a particular stock or investment approach is suitable to the financial needs of a specific individual. No representation or warranty expressed or implied is made as to, and no reliance shall be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained on this website. "30 Year Old Investor" shall not be liable whatsoever for loss or damages of any kind arising from the result of any use, reliance or distribution of the articles or its contents from information contained on this website. </span></i></div></div></div></div><p></p>30YearOldInvestorhttp://www.blogger.com/profile/18442456587123026225noreply@blogger.com0tag:blogger.com,1999:blog-7295314650616694802.post-17035594650491422062023-07-25T17:32:00.005-07:002023-07-25T18:52:59.358-07:00KC 30 is turning 36! Updates since MIA in 2021.<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg1cZoKXrkPL1KSzp8WNF3mQxp3pwM9EU0P29U70fENd1L1m0ZN6mYNZw98YHcXA5kKXLF8YL7N-uBsg5nUL-8yCnW8f2FhV3aE-fHZap9F_U29nkLkYu1o9WmxxevNfO6Upd3x4UpFRjV2zBIZzLvP7Myh7C_7LkdciSGewUi5tCUC-EbmXJ1p0xJnF6U/s4032/IMG_4969.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="3024" data-original-width="4032" height="480" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg1cZoKXrkPL1KSzp8WNF3mQxp3pwM9EU0P29U70fENd1L1m0ZN6mYNZw98YHcXA5kKXLF8YL7N-uBsg5nUL-8yCnW8f2FhV3aE-fHZap9F_U29nkLkYu1o9WmxxevNfO6Upd3x4UpFRjV2zBIZzLvP7Myh7C_7LkdciSGewUi5tCUC-EbmXJ1p0xJnF6U/w640-h480/IMG_4969.JPG" width="640" /></a></div><p>Hello everyone! 😃 It's been a long time. </p><p>My last post was dated February 15, 2021, and many things have happened in between:<br /></p><p></p><blockquote><ul style="text-align: left;"><li>I got my resale flat.</li><li>I got married and am now having much more responsibilities as a new family head.</li><li>I also had to put on hold my investment (injection of cash) as I had to pay for the wedding.</li><li>I hosted a wedding ceremony and banquet.</li><li>I went on a honeymoon.</li><li>I got passed over for promotion.</li><li>I am now able to get back to where I left off in terms of portfolio.</li></ul></blockquote><p></p><p><br /></p><p>This was a very busy phase of life and I must say that I kind of lost myself in the busyness of the season. It is only recently that I'm able to take a break, take a step back and appreciate/ be thankful for what has happened as well as to try to process some of the events and thoughts as I pick myself up again. Hopefully, this means that I will have some time to look at stocks again. </p><p><b><span style="color: #e06666; font-size: large;"><br /></span></b></p><p><b><span style="color: #e06666; font-size: large;">I got my resale flat.</span></b></p><p>Following my last post in 2021, after discussion with my wife, we decided that a BTO wait was too long. And we are still proven right as we've now stayed in our resale HDB for almost 2 years, while many BTO projects are still facing delays etc.<br /><br />It would have been unimaginable and would be a stressful situation for us not to have a place of our own to call home. Some of my peers shuffle between renting a place (which obviously costs money), or to stay over parents' place. <br /><br />I haven't been following the recent housing market, but have heard of some recent changes such as the HLE to HFE, and cooling measures aimed at private property downgraders. There is also another change that the housing grants have increased (the aim is to help young couples afford resale HDBs, but in my opinion just adds to the increasing prices..)</p><p><span style="color: #e06666; font-size: large;"><b><br /></b></span></p><p><span style="color: #e06666; font-size: large;"><b>I got married and am now having much more responsibilities as a new family head.</b></span></p><p>We Chinese have a saying "成家立业", which translates to starting a family and establishing a career. This was true for folks in the past, that they regard adulthood as stepping up into the phase of starting a family. In the modern world, most of us do the reverse of 立业 (Starting our careers) then 成家 (Starting a family). Nonetheless, this was truly a phase where elders in my family started to treat me as an adult. And, with great "power" now comes responsibilities. There are now tangible bills to pay and people who depend on you ever more. Your spouse, each others' ageing parents. Life after all is quite short and it is important to spend time with them.</p><b><span style="color: #e06666; font-size: large;"><div><b><span style="color: #e06666; font-size: large;"><br /></span></b></div>I also had to put on hold my investment (injection of cash) as I had to pay for the wedding.</span></b><div><br /></div><div>The wedding and banquet costs totalled around $80,000. If you followed my blog you would know that I planned and set aside $50,000 for the wedding. This meant my investment portfolio took a hit as I could not afford to inject any cash. Indeed, cash injections suffered in 2021, and 2022. <br /><br />House renovations was minimal as we bought a resale flat and I did some basic re-painting and focused on furnitures mostly.<br /><br /><google-sheets-html-origin><table border="1" cellpadding="0" cellspacing="0" dir="ltr" style="border-collapse: collapse; border: none; font-family: arial, sans, sans-serif; font-size: 10pt; table-layout: fixed; width: 0px;" xmlns="http://www.w3.org/1999/xhtml"><colgroup><col width="41"></col><col width="30"></col><col width="83"></col><col width="88"></col><col width="83"></col><col width="162"></col><col width="81"></col><col width="74"></col></colgroup><tbody><tr style="height: 21px;"><td colspan="4" data-sheets-value="{"1":2,"2":"Road to Financial Independence"}" rowspan="1" style="border-color: rgb(204, 204, 204) rgb(204, 204, 204) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; vertical-align: bottom;">Road to Financial Independence</td><td style="border-color: rgb(204, 204, 204) rgb(204, 204, 204) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-color: rgb(204, 204, 204) rgb(204, 204, 204) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-color: rgb(204, 204, 204) rgb(204, 204, 204) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-color: rgb(204, 204, 204) rgb(204, 204, 204) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td></tr><tr style="height: 21px;"><td colspan="3" data-sheets-value="{"1":2,"2":"PROJECTION"}" rowspan="1" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; font-style: italic; font-weight: bold; overflow: hidden; padding: 2px 3px; vertical-align: bottom;">PROJECTION</td><td style="border-color: rgb(204, 204, 204) rgb(204, 204, 204) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td colspan="2" data-sheets-value="{"1":2,"2":"ACTUAL FIGURES"}" rowspan="1" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; font-style: italic; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">ACTUAL FIGURES</td><td style="border-color: rgb(204, 204, 204) rgb(204, 204, 204) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td></tr><tr style="height: 21px;"><td data-sheets-value="{"1":2,"2":"Year"}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Year</td><td data-sheets-value="{"1":2,"2":"Age"}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Age</td><td data-sheets-value="{"1":2,"2":"Portfolio\nProjected 2%/yr"}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Portfolio<br />Projected 2%/yr</td><td data-sheets-value="{"1":2,"2":"Current capital \ninjection Rate/yr"}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Current capital<br />injection Rate/yr</td><td data-sheets-value="{"1":2,"2":"Estimated\nDividend 3%"}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Estimated<br />Dividend 3%</td><td data-sheets-value="{"1":2,"2":"Actual Portfolio \nat end of yr"}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Actual Portfolio<br />at end of yr</td><td data-sheets-value="{"1":2,"2":"Actual Capital\r\nInjection/yr"}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Actual Capital<br />Injection/yr</td><td data-sheets-value="{"1":2,"2":"Actual \nDividends"}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Actual<br />Dividends</td></tr><tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2018}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2018</td><td data-sheets-value="{"1":3,"3":31}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">31</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":360}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$360.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":15941.59}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$15,941.59</td><td data-sheets-numberformat="{"1":2,"2":"$#,###,###.00","3":0}" data-sheets-value="{"1":3,"3":16928.4}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$16,928.40</td><td data-sheets-numberformat="{"1":2,"2":"$#,###,###.00","3":0}" data-sheets-value="{"1":3,"3":513.25}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$513.25</td></tr><tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2019}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2019</td><td data-sheets-value="{"1":3,"3":32}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">32</td><td data-sheets-formula="=(1.02*R[-1]C[0])+R[-1]C[1]+R[-1]C[2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":24600}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$24,600.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":738}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$738.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":42318.06}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: #515151; font-family: Arial; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$42,318.06</td><td data-sheets-numberformat="{"1":2,"2":"$#,###,###.00","3":0}" data-sheets-value="{"1":3,"3":23670.94}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$23,670.94</td><td data-sheets-numberformat="{"1":2,"2":"$#,###,###.00","3":0}" data-sheets-value="{"1":3,"3":815.3}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: #515151; font-family: arial; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$815.30</td></tr><tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2020}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2020</td><td data-sheets-value="{"1":3,"3":33}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">33</td><td data-sheets-formula="=(1.02*R[-1]C[0])+R[-1]C[1]+R[-1]C[2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":37830}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$37,830.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":1134.8999999999999}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$1,134.90</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":2,"2":"$73,116.93\r\n(Set aside $29,600 for\r\nwedding by end 2020)\r\n\r\nTherefore actual = $43,516.93"}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$73,116.93<br />(Set aside $29,600 for<br />wedding by end 2020)<br /><br />Therefore actual = $43,516.93</td><td data-sheets-numberformat="{"1":2,"2":"$#,###,###.00","3":0}" data-sheets-value="{"1":3,"3":27272.78}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$27,272.78</td><td data-sheets-numberformat="{"1":2,"2":"$#,###,###.00","3":0}" data-sheets-value="{"1":3,"3":916.0519999999999}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: #515151; font-family: arial; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$916.05</td></tr><tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2021}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2021</td><td data-sheets-value="{"1":3,"3":34}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">34</td><td data-sheets-formula="=(1.02*R[-1]C[0])+R[-1]C[1]+R[-1]C[2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":51721.5}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$51,721.50</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":1551.645}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$1,551.65</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":2,"2":"79694.64\n\n(Set aside $39,200 for\nwedding by end 2021)"}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: red; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">79694.64<br /><br />(Set aside $39,200 for<br />wedding by end 2021)</td><td data-sheets-formula="=R[0]C[4]-R[-1]C[4]" data-sheets-numberformat="{"1":2,"2":"$#,###,###.00","3":0}" data-sheets-value="{"1":3,"3":4288.830000000005}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: red; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$4,288.83</td><td data-sheets-numberformat="{"1":2,"2":"$#,###,###.00","3":0}" data-sheets-value="{"1":3,"3":1481.7930000000001}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$1,481.79</td></tr><tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2022}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2022</td><td data-sheets-value="{"1":3,"3":35}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">35</td><td data-sheets-formula="=(1.02*R[-1]C[0])+R[-1]C[1]+R[-1]C[2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":66307.575}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$66,307.58</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":1989.22725}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: blue; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$1,989.23</td><td data-sheets-numberformat="{"1":2,"2":"$#,###,###.00","3":0}" data-sheets-value="{"1":3,"3":79428.15999999997}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$79,428.16</td><td data-sheets-formula="=R[0]C[4]-R[-1]C[4]" data-sheets-numberformat="{"1":2,"2":"$#,###,###.00","3":0}" data-sheets-value="{"1":3,"3":-266.48000000002503}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; color: red; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">-$266.48</td><td data-sheets-numberformat="{"1":2,"2":"$#,###,###.00","3":0}" data-sheets-value="{"1":3,"3":2028.5594669999996}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$2,028.56</td></tr><tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2023}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2023</td><td data-sheets-value="{"1":3,"3":36}" style="border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">36</td><td data-sheets-formula="=(1.02*R[-1]C[0])+R[-1]C[1]+R[-1]C[2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":81622.95375}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$81,622.95</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":3,"3":2448.6886125}" style="background-color: #b7e1cd; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$2,448.69</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" data-sheets-value="{"1":2,"2":"$89,895.15 till date (July 2023)"}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$89,895.15 till date (July 2023)</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00"}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td data-sheets-value="{"1":2,"2":" "}" style="background-color: #ccffff; border-color: rgb(204, 204, 204) rgb(0, 0, 0) rgb(0, 0, 0) rgb(204, 204, 204); border-image: initial; border-style: solid; border-width: 1px; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"></td></tr></tbody></table></google-sheets-html-origin></div><div><b><span style="color: #e06666; font-size: large;"><br /><br /></span></b></div><div><b><span style="color: #e06666; font-size: large;">I hosted a wedding ceremony and banquet. (2022)</span></b></div><div><br /></div><div>Our parents really wanted a banquet, and we did what we could to help fulfill this expectation. (This could be a topic for another day: Whether an expensive banquet still makes sense today). My personal take is that this could be a huge financial burden for the sandwiched generation who could put the money better to other areas such as housing.<br /><br />However, it is a once in a lifetime event, and personally, there are intangible "benefits" for hosting a banquet. Firstly, it is a form of respect for elders (The way I see it, banquets are really for them). Secondly, it is a form of saying to the brides' family: "Don't worry, your daughter is in good hands." Lastly, it is also a good rallying point to gather the whole extended family that we otherwise would seldom see.</div><div><span><br /><span style="color: #e06666; font-size: large;"><b><br /></b></span></span></div><div><span><span style="color: #e06666; font-size: large;"><b>I went on a honeymoon. (2023)</b></span></span></div><div><br /></div><div>Work commitments actually boiled over and I was only able to go on a personal trip during mid 2023. I think it was only during this trip that I truly had time to slow down, and think about what was going on with my life. <br /><br />I do think I got quite burnt out from work. Burnt some money here as well to create some good memories.</div><div><b><span style="color: #e06666; font-size: large;"><br /><br /></span></b></div><div><b><span style="color: #e06666; font-size: large;">I got passed over for promotion.</span></b></div><div><br />I do think I was truly disappointed at not getting the promotion I was gunning for, after putting in effort and hard work only to see it go to someone else.<br /><br />As I reflected on it, I reconciled that there are many things beyond my control. Speaking to some seniors helped to put things back to perspective: "It's only a job." While I am disappointed, life still needs to go on and I wouldn't need to be so hung up on it. Life, and work career is a marathon and I do need to develop resilience.<br /><br />Otherwise, I don't think I'm doing too bad as a salaryman as the current pay vs. workload is manageable.</div><div><b><span style="color: #e06666; font-size: large;"><br /><br /></span></b></div><div><b><span style="color: #e06666; font-size: large;">I</span></b><b><span style="color: #e06666; font-size: large;"> am now able to get back to where I left off in terms of portfolio.</span></b></div><div><br />Recently, I had time to look back into my old portfolio and seek to put things back on track. Obviously, I missed out on the COVID crash where many counters were on discount, but I had to keep cash for the wedding. It was really tough to shut out the news to prevent myself from deploying the cash at that time. Currently, am now sitting on some cash again which I will keep a lookout for opportunities. The gameplan is still to look for investing for income.<br /><br /><div class="separator" style="background-color: white; clear: both; color: #515151; font-family: "Droid Serif", sans-serif; font-size: 14px; text-align: center;"><div class="separator" style="clear: both; text-align: left;"><span style="border: none; color: #cc0000; font-size: large; margin: 0px; outline: none; padding: 0px;"><b>Share with me and fellow readers!</b></span></div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;">Feel free to re-connect with me by saying hi, or leaving a comment!</div><div class="separator" style="clear: both; text-align: left;"><br /></div></div><p style="background-color: white; border: none; color: #515151; font-family: "Droid Serif", sans-serif; font-size: 14px; margin: 0px; outline: none; padding: 0px;"></p><div style="background-color: white; color: #515151; font-family: "Droid Serif", sans-serif; font-size: 12.8px;"><b><span style="border: none; color: red; font-size: x-large; margin: 0px; outline: none; padding: 0px;">K.C.</span></b></div><div class="separator" style="background-color: white; clear: both; color: #515151; font-family: "Droid Serif", sans-serif; font-size: 14px; text-align: center;"><div style="text-align: left;"><i>If you like this post, you might <a href="https://www.facebook.com/30yroldinvestor/" style="border: none; color: #e03f00; margin: 0px; outline: none; padding: 0px; text-decoration-line: none; transition: background-color 0s ease 0s, color 0.2s linear 0s;">like our facebook page</a> as well. </i><i>I'm also on <a href="https://www.investingnote.com/users/kc_30#/?display=profile&user=kc_30&tab=latest" style="border: none; color: #e03f00; margin: 0px; outline: none; padding: 0px; text-decoration-line: none; transition: background-color 0s ease 0s, color 0.2s linear 0s;">Investing Note</a>. I am also partnering with Reit-tirement blog and other bloggers to share ideas at: <a href="https://www.facebook.com/groups/1397925937071525/" style="border: none; color: #e03f00; margin: 0px; outline: none; padding: 0px; text-decoration-line: none; transition: background-color 0s ease 0s, color 0.2s linear 0s;">https://www.facebook.com/groups/1397925937071525/</a></i></div><div style="text-align: left;"><br /></div><div style="text-align: left;"><i><span style="border: none; color: #cc0000; margin: 0px; outline: none; padding: 0px;">Disclaimer: The views expressed, opinion and information in this article are strictly for informational purposes to encourage educational discussions only. No content on this site constitutes - or should be understood as constituting - a recommendation to enter any securities transactions or to engage in any of the investment strategies presented in our site content. We do not provide personalised recommendations or views as to whether a particular stock or investment approach is suitable to the financial needs of a specific individual. No representation or warranty expressed or implied is made as to, and no reliance shall be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained on this website. "30 Year Old Investor" shall not be liable whatsoever for loss or damages of any kind arising from the result of any use, reliance or distribution of the articles or its contents from information contained on this website. </span></i></div></div></div>30YearOldInvestorhttp://www.blogger.com/profile/18442456587123026225noreply@blogger.com0tag:blogger.com,1999:blog-7295314650616694802.post-27274301203697528112021-02-15T05:48:00.018-08:002021-02-15T06:09:58.938-08:00KC asks readers: BTO or Resale HDB? (Dilemma) <p></p><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEixEIGHY-lBkDeqI4nLJm_XeIaEHqY0OGk9mTc0EjzClXphzBR7UkX6vP-Ve-KX0qJDS-z7rd4EIVUm1MB2DBVShJgwTtnY5B5xiD1d4KY9s378XgQwKdRt8f2Ld-5ubowtbpVjvBavJWY/s907/Capture.PNG" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="529" data-original-width="907" height="373" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEixEIGHY-lBkDeqI4nLJm_XeIaEHqY0OGk9mTc0EjzClXphzBR7UkX6vP-Ve-KX0qJDS-z7rd4EIVUm1MB2DBVShJgwTtnY5B5xiD1d4KY9s378XgQwKdRt8f2Ld-5ubowtbpVjvBavJWY/w640-h373/Capture.PNG" width="640" /></a></div><br /><i>Share your tips with KC! What did you do for your HDB purchase? Was it a BTO or resale? (context: KC is currently perplexed over HDB housing.. and inclined to buying resales. However, this seems to be a complicated process. I invite you to share with me what did you do if you bought resales or BTO HDB and if there are any information that would be good for me and others to know!)</i><br /><br />First of all, KC would like to wish all investors and readers a <span style="font-size: medium;"><b>Happy Chinese New Year 2021</b></span>! <div><br /><p></p><p>Readers who have been following me would know that KC has been setting aside cash for wedding/ housing plans and as such have been watching the market go by without much updates to the portfolio. This is due to the mantra that I cannot invest money that I would need for bigger ticket items in near future (~ 2 years time). <br /><br />Recently, KC have tried to BTO 2 rounds of BTO exercise but failed in both. The recent Covid-19 situation is not helping the BTO projects with extended delivery dates for some projects to be 2027 or 2028. (KC would be 41 by then, that's crazy!)</p><p><br /></p><p><span style="color: #cc0000; font-size: large;"><b>Headache over housing</b></span></p><p><span style="font-size: large;"><b><br /></b></span></p><p>Buying or owning a house is probably one of the biggest ticket items for any Singaporean couple. With escalating BTO and Resale prices, owning a house seems increasingly difficult and many would have to work for life just to pay off the housing loan. Without doing the sums and proper planning, the financial strain is bound to create repercussions and consequences to the family in future. </p><p><br /></p><p><b><span style="color: #cc0000; font-size: large;">The HDB Flat</span></b></p><p><b><span style="font-size: large;"><br /></span></b></p><p>HDB's mission is to "...provide affordable, quality housing and a great living environment where communities thrive." It was set up in the early 1960s to address housing concerns. Fast forward to 2021, generations of Singaporeans have benefited from the system. Recent trends however, do worry KC as to whether HDB can indeed keep up with the "affordable portion" with new projects and resale flats getting more expensive for a housing that would expire by 99 years. Without going into the debate of the pricing of HDBs and resale, these are example of trends that I am looking into:</p><p><br /></p><p>Regarding Lease Decay (HDBs will appreciate/depreciate over time till its end of 99 years): <a href="https://lifefinance.com.sg/whats-the-value-of-my-leasehold-hdb-3-dealing-with-lease-decay/">https://lifefinance.com.sg/whats-the-value-of-my-leasehold-hdb-3-dealing-with-lease-decay/ </a><br /><br /></p><p>Our Resale flats pricing trend:<a href="https://www.99.co/blog/singapore/million-dollar-hdb-flats-are-hiding-a-worrying-resale-price-trend-heres-proof/"> https://www.99.co/blog/singapore/million-dollar-hdb-flats-are-hiding-a-worrying-resale-price-trend-heres-proof/</a></p><p><br /></p><p><u>My main thoughts and observations on current situation (I may carry bias):</u></p><p></p><h3 class="LC20lb DKV0Md" style="display: inline-block; font-weight: normal; letter-spacing: 0.1px; line-height: 1.3; margin: 0px 0px 3px; padding: 4px 0px 0px;"><span style="font-size: small;">➤</span></h3><h3 class="LC20lb DKV0Md" style="display: inline-block; font-size: 20px; font-weight: normal; letter-spacing: 0.1px; line-height: 1.3; margin: 0px 0px 3px; padding: 4px 0px 0px;"> </h3>HDB is an expensive outlay the Singaporean cannot avoid.<br /><span style="letter-spacing: 0.1px;">➤ </span>We can use CPF for our housing needs, but CPF is a shared pool meant for retirement and healthcare too. The more we use for housing, the less we have later on for retiring. we need to plan ahead<br /><span style="letter-spacing: 0.1px;">➤ </span>HDBs will depreciate over time and the seemingly rising resale prices may not tell the full story of older flats that depreciate quicker (it is far more complicated to valuate them as such) <br /><span style="letter-spacing: 0.1px;">➤ </span>Covid-19 has delayed projects (can one afford to wait?) and also pushed up resale prices (can one afford to pay the price for not waiting?)<br /><p></p><p><br /></p><p>The solution as they say is to: "Plan within your means". (But easier said than done).</p><p><br /></p><p><span style="font-size: large;"><b><span style="color: #cc0000;">Keeping Options Open</span><br /></b></span><br />My partner and I were filled with hope, originally planning to get a 5 room HDB flat in a non-mature estate. However, after 2 rounds of failed tries and staring at an ever increasing timeline for landing a flat with BTO - the future looks challenging. The average Singaporean would do what they do here - complain.</p><div class="separator" style="clear: both; text-align: left;"><br />KC ranting mode (don't mind me): How are we expected to get married, form a family and start having kids when we can't even land a house that we like?! </div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;">At the moment, it feels like going back to square one all the time and the timeline just gets pushed back all the time. We are still keeping options open in hopes of future BTOs, SOB (sales of balance), or resales but that hope is fading a little with each setback.</div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;"><b><span style="color: #cc0000; font-size: large;">Real world, real issues</span></b></div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;">Unfortunately, one cannot always expect the government to save us from our individual issues as they have the bigger things to worry at hand. That is why there are housing grants to help couples like us for resale. And, we have to take decisions. And increasingly, it looks like the resale flat option is more realistic because there is less uncertainty over timeline of BTO delivering. </div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;"><u>Now, going on this route isn't quite straightforward. It does come with a fresh set of challenges:</u><br /><br /></div><div class="separator" style="clear: both; text-align: left;"><span style="letter-spacing: 0.1px;">➤ </span>Wah, what if kena those Ah long flats, how? (previous owners owe debts)<br /><span style="letter-spacing: 0.1px;">➤ </span>Where to buy?<br /><span style="letter-spacing: 0.1px;">➤ </span>Lease remaining<br /><span style="letter-spacing: 0.1px;">➤ </span>Opinions of elders<br /><span style="letter-spacing: 0.1px;">➤ </span>Loan/ cash upfront<br /><span style="letter-spacing: 0.1px;">➤ </span>Accrued interest and resale levy (seems like govt trying to prevent flipping)<br /><div><br /></div><div><u>But, resale flats does come with some pros:</u><br /><br /></div><div style="text-align: left;"><span style="letter-spacing: 0.1px;">➤ </span>Don't need to wait so long<br /><span style="letter-spacing: 0.1px;">➤ </span>Can choose locations that you want<br /><span style="letter-spacing: 0.1px;">➤ </span>More flexibility for choices<br /><span style="letter-spacing: 0.1px;">➤ </span>More spacious units</div></div><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;">So, this is not supposed to be a ranting post by the way. KC is actively seeking wise fellow readers and investors who have trotted down this resale path to share your experience and knowledge here with me! </div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;"><span style="color: #cc0000; font-size: large;"><b>Share with me and fellow readers!</b></span></div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;">Feel free to share with me articles, comments and your story of how you overcame your challenges. I certainly hope these nuggets of wisdom help me in my own journey as well.</div><div class="separator" style="clear: both; text-align: left;"><br /></div></div><p></p><div style="font-size: 12.8px;"><b><span style="color: red; font-size: x-large;">K.C.</span></b></div><div class="separator" style="clear: both; text-align: center;"><div style="text-align: left;"><i>If you like this post, you might <a href="https://www.facebook.com/30yroldinvestor/">like our facebook page</a> as well. </i><i>I'm also on <a href="https://www.investingnote.com/users/kc_30#/?display=profile&user=kc_30&tab=latest">Investing Note</a>. I am also partnering with Reit-tirement blog and other bloggers to share ideas at: <a href="https://www.facebook.com/groups/1397925937071525/">https://www.facebook.com/groups/1397925937071525/</a></i></div><div style="text-align: left;"><br /></div><div style="text-align: left;"><span style="font-size: large;"><b>Related topics:</b><br />1. <a href="https://30yearoldinvestor.blogspot.com/2018/07/if-you-spend-what-you-earn-you-need-to.html">Why you need to set aside money for savings first</a></span><br /><span style="font-size: large;">2. </span><span style="font-size: large;"><a href="https://30yearoldinvestor.blogspot.com/2018/11/interview-process-cycle-how-to-increase.html">Interview process cycle: How to increase your interview rates</a></span><br /><span style="font-size: large;">3. </span><span style="font-size: large;"><a href="https://30yearoldinvestor.blogspot.com/2019/04/im-retrenched-3-things-to-think-about.html">I'm retrenched: 3 things to think about</a></span></div><div style="text-align: left;"><span style="font-size: large;"><span>4. </span><a href="https://30yearoldinvestor.blogspot.com/2019/08/budgeting-why-i-refuse-to-spend-30min.html">Why I refuse to spend >15-30 minutes budgeting each month</a><br /></span><b><br /></b><span style="font-size: large;"><b>Portfolio updates:</b></span><span style="font-size: large;"><b><br /></b></span>I have switched to using stockscafe to monitor <a href="https://30yearoldinvestor.blogspot.com/p/my-portfolio-update.html">my portfolio</a>:</div><p style="text-align: left;"><i><span style="color: #cc0000;"><br />Disclaimer: The views expressed, opinion and information in this article are strictly for informational purposes to encourage educational discussions only. No content on this site constitutes - or should be understood as constituting - a recommendation to enter any securities transactions or to engage in any of the investment strategies presented in our site content. We do not provide personalised recommendations or views as to whether a particular stock or investment approach is suitable to the financial needs of a specific individual. No representation or warranty expressed or implied is made as to, and no reliance shall be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained on this website. "30 Year Old Investor" shall not be liable whatsoever for loss or damages of any kind arising from the result of any use, reliance or distribution of the articles or its contents from information contained on this website. </span></i></p></div></div>30YearOldInvestorhttp://www.blogger.com/profile/18442456587123026225noreply@blogger.com17tag:blogger.com,1999:blog-7295314650616694802.post-83389593986313690802020-11-02T04:07:00.008-08:002020-11-03T00:01:16.261-08:007 Months (unplanned) hiatus. <p><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXvQgsHNYvSgRJP8H4Wf-74anUOtJ_nv3Sk-g1xmL9y26z1YP5TPcMOGMKaFnSgQA0GNSX7bysXvYJqXh5drNO1ecGZo5w3XxZwMJOw0U4a5EEk15u30jqq_j1m5ftiAyTGLXn4Gmq1So/s845/Nov2020.png" style="clear: left; display: inline; margin-bottom: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="401" data-original-width="845" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXvQgsHNYvSgRJP8H4Wf-74anUOtJ_nv3Sk-g1xmL9y26z1YP5TPcMOGMKaFnSgQA0GNSX7bysXvYJqXh5drNO1ecGZo5w3XxZwMJOw0U4a5EEk15u30jqq_j1m5ftiAyTGLXn4Gmq1So/s16000/Nov2020.png" /></a></p><p>Hello fellow friends and investors! <br /><br />Sorry, I have not been updating the blog as much as I would have liked. Hope everyone is still coping well in this Covid-19 pandemic season. I miss everyone and indeed miss having the luxury of time to sit down, study stocks, read books and craft blog posts.<br /><br />I still do post and share articles I find useful on facebook! Click to follow the following to receive updates:</p><ul style="text-align: left;"><li><b>30yearoldinvestor Facebook Page</b>: <a href="https://www.facebook.com/30yroldinvestor">https://www.facebook.com/30yroldinvestor</a></li><li><b>REIT Community (Facebook group)</b>: I am also partnering with Reit-tirement blog and other bloggers to share ideas at: <a href="https://www.facebook.com/groups/1397925937071525/">https://www.facebook.com/groups/1397925937071525/</a><br /><br /></li></ul><p></p><p><b><span style="color: #3d85c6; font-size: large;"><u>What changed in the last 7 months? (work wise)</u></span></b></p><p><br />My last blog post happened during the "crash" back in March. That coincided with a working from home implementation by my company. <br /><br />I had thought that working from home would mean that I would have more time at home to "do my own things". As it turns out, I misjudged the situation. </p><p><br /></p><p><b><span style="color: #3d85c6; font-size: medium;">1. Resilient Business and Projects = Extended working hours</span></b></p><p><br />Even though with Covid-19, at work I was expected to continue to run projects (but with reduced manpower) to fulfill expectations. The overall effect was that the amount of follow-up and liaising often carried past the usual 8-5pm working hours as I needed to keep up the communications with overseas colleagues often till midnight.<br /><br />This was further compounded when the lockdown lifted in Mid June 2020 when projects that were halted during the lockdown were suddenly requested by customers (with shorter timeframes/deadlines). The silver lining above all these busyness was that the industry I am in is still proving to be resilient in the face of recession so far. This is despite my parent company suffering and having retrenchment exercise. It has so far not spilled over to my company (yet).</p><p><br /></p><p><span style="color: #3d85c6; font-size: medium; font-weight: bold;">2. Isolation/ Managerial changes has been tough for me </span></p><p><br />When I was getting into the rhythm of the new normal, something else hit like a truck. The manager who is currently in charge of me and who was the mentor/manager who hired me suddenly announced his retirement. <br /><br />Now, I am unsure what were the reasons behind his retirement. It could be that the company also took the chance to reduce cost, but the official reason was to go back to his family and enjoy an early retirement.<br /><br />What this meant for me is that I felt much of the work I've done is now going to go unrecognized for the new incoming manager who is stationed halfway around the globe. I fear for my future role at work now that my "backing" is gone and that has brought about alot of anxiety at work. <br /><br />Because often at work - we really work for our immediate managers.</p><p><br /></p><p><span style="color: #3d85c6; font-size: medium; font-weight: bold;">So, here I am again: Back to the drawing board</span></p><p><br />I am finally now able to take a step back to clear leave, take a breather and re-align. After much reflection, I guess I have the following choices:<br /><br /></p><p></p><ul style="text-align: left;"><li>Default position: Stay on and win the trust of the new manager. Continue to deliver</li><li>Start looking out for new opportunities: There have still been some decent enquires received on LinkedIn. Unfortunately, I have not stayed in a single position for more than 2 years in my last 3 jobs (voluntarily and involuntarily). <br /><br /></li></ul><div>It would be a shame to leave this current organisation prematurely as there are still things to be learnt. Thus, default position would be to bite down the teeth and grind out some results.<br /><br /></div><div><b><span style="color: #3d85c6; font-size: large;"><u><br /></u></span></b></div><div><b><span style="color: #cc0000; font-size: large;"><u>What changed in the last 7 months? (Investing wise)</u></span></b></div><div><p><br />From my last post, I have only added YZJ Shipbldg (SGX:BS6) at $0.985. This was because in spite of the pandemic, YZJ has still secured business.<br /><br />Quoting this article in 30 April 2020: "<i>As at 31 March 2020, Yangzijiang sat on an orderbook of $2.9bn for 69 vessels, excluding the 157,000-dwt tanker. The orders are expected to keep the yards at a healthy utilisation rate up to late-2021 and provide a stable revenue stream for at least the next 1.5 years.</i>"</p><p></p><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiS20fuBjMC5myWlsVLf9UG82neTUJ9wObPSc37Ckwz90aVn0LqwieGcY8Ow-fQYT_z9-gp0DmhibHpUdAjTZTSyfImeQ7LAmta85h-xnBwOqL4_pXF99mTnun_oZ_Rorg3ZDS9GCBDQFY/s823/YZJ.png" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="737" data-original-width="823" height="359" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiS20fuBjMC5myWlsVLf9UG82neTUJ9wObPSc37Ckwz90aVn0LqwieGcY8Ow-fQYT_z9-gp0DmhibHpUdAjTZTSyfImeQ7LAmta85h-xnBwOqL4_pXF99mTnun_oZ_Rorg3ZDS9GCBDQFY/w400-h359/YZJ.png" width="400" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;"><a href="https://www.seatrade-maritime.com/shipbuilding/yangzijiang-bags-seven-newbuilding-orders-worth-360m-q1">https://www.seatrade-maritime.com/shipbuilding/yangzijiang-bags-seven-newbuilding-orders-worth-360m-q1</a></td></tr></tbody></table><br /><p></p><div class="separator" style="clear: both; text-align: left;">I certainly have hopes that this industry would still continue to stay resilient. Also, announced in August 2020, <a href="https://www.offshore-energy.biz/sitc-orders-up-to-12-gearless-feeders-from-yangzijiang-shipbuilding/">YZJ has secured new orders with Hong Kong based SITC for six 1, 800 TEU gearless container carriers</a>. </div><br />As the time of writing today on 2nd November 2020, its recovery in June has quickly given way to uncertainties in the wider global market on the backdrop of US elections, and the fears of second waves of Covid-19 in US and Europe.<p></p><p></p><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjt-Zw-TsnnZ6CXInRkIjv9EVzc3X7PZrVfdpjZDXJzfcdTwa4e0TnLqaqbPJdr7-jd9y7kdcUv9UReWn6yu0BGvRDQeR0xNeRHEVi0xqPXLIKM4aS1l94qiqOx11qB7LPYB4_MfHUNn7c/s1167/yzj+chart.png" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="612" data-original-width="1167" height="336" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjt-Zw-TsnnZ6CXInRkIjv9EVzc3X7PZrVfdpjZDXJzfcdTwa4e0TnLqaqbPJdr7-jd9y7kdcUv9UReWn6yu0BGvRDQeR0xNeRHEVi0xqPXLIKM4aS1l94qiqOx11qB7LPYB4_MfHUNn7c/w640-h336/yzj+chart.png" width="640" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;"><i>YZJ chart from point of entry back in May 2020 (Blue arrow)</i></td></tr></tbody></table><br /><p></p><p><span style="color: #cc0000; font-size: medium;"><b>1. Portfolio Update 2nd November 2020.</b></span></p><p><br />I am now relying on <a href="https://stocks.cafe/">Stocks Cafe</a> to quickly track my portfolio. It saves me time to compute individual stock returns and I am able to focus on tracking my expenses and savings rate. I still do run my own portfolio tracker and tabulate it once a month.<br /><br />However, Stocks Cafe does give quick analysis tools that I find helpful to track the progress of my portfolio. </p><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhPS4wcIT9pwnJ9A-I2ZD5b2GpYUNiKMFNPokzUFBxaBpnh_Rivk0Q7HwciWqvE2U-v-SzF6YQ0NDBU6GB6DrkNc-tSsn4hrd1Ye8dySVEvlr-L0tmc06qBFGMWnY3hJBH7duXV4rHwmd4/s1191/POrtfolio+P%2526L.png" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="505" data-original-width="1191" height="271" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhPS4wcIT9pwnJ9A-I2ZD5b2GpYUNiKMFNPokzUFBxaBpnh_Rivk0Q7HwciWqvE2U-v-SzF6YQ0NDBU6GB6DrkNc-tSsn4hrd1Ye8dySVEvlr-L0tmc06qBFGMWnY3hJBH7duXV4rHwmd4/w640-h271/POrtfolio+P%2526L.png" width="640" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;"><i>The Covid-19 has seen a sharp drop, with share recovery but now fallen back into negative zone.</i><br /></td></tr></tbody></table><p><span style="color: #cc0000; font-size: medium;"><b>2. Stocks watch (US elections/ Covid-19 wave 2) - SReits</b></span></p><p><br />I am now currently watching the market for opportunities as many of the SGX counters are down and it could present a new opportunity to accumulate shares again (like what happened in March 2020). The Singapore market has barely recovered and it has since become the worst performing stock market in Asia.<br /><br />Overall market is still in down trend but it presents opportunities to buy in counters that are trading at discount from their recent highs. </p><p><br />Of course, the talk of town all over the papers is about Robinson's closure. According to<a href="https://www.straitstimes.com/singapore/robinsons-to-close-stores-at-the-heeren-and-raffles-city"> a Straits Times article on 31st October 2020</a>, they have been making losses for at least the past 6 years. The following reasons were cited:<br /><br /></p><p></p><ul style="text-align: left;"><li>Increase of heartland malls (more competition/less traffic)</li><li>Onslaught of online businesses.</li><li>Covid-19 impact (but it is recognised that they were already struggling before Covid)<br /><br /></li></ul><p></p><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><span style="margin-left: auto; margin-right: auto;"><a href="goog_2036387540"><img border="0" data-original-height="871" data-original-width="915" height="381" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEizUsKxGoAdDhV1nqDNQuojc5cKOE2Cu8iP_8gXxGdIydbZsuEcHMO8TZsyipjkbFzrWIIPcxWmHh9trc_GQ6apGcdFHfgveNASaRG97CC-FH6KVvmHSeJbHaVHP1lSLQSsO_i7krrFZOY/w400-h381/Robinsons.png" width="400" /></a></span></td></tr><tr><td class="tr-caption" style="text-align: center;">Source: <a href="https://www.straitstimes.com/business/companies-markets/singapore-reits-exposure-to-robinsons-owner-in-spotlight-as-fashion">https://www.straitstimes.com/business/companies-markets/singapore-reits-exposure-to-robinsons-owner-in-spotlight-as-fashion</a></td></tr></tbody></table><p>There have been many netizens pointing fingers at the "Landlords", and that REITs are evil for being money suckers. However, I think these are knee jerk reactions. In the past, we've seen many departmental stores close down as well. Mr Market run in cycles and unfortunately, it seems we are at the end of a business and economic cycle brought about by Covid-19.<br /><br />Before Robinsons, there was John Little, Carrefour, Duty Free, Metro, Forever 21 that closed. Did these companies close because of high rentals alone? I don't think it is essentially the government's job to bail out companies like these (but do note that the government did in fact try to help wage supplement with all the packages to hep soften the blow to Singaporeans).<br /><br />Also, retail malls would have to evolve to stay relevant to changing consumer habits. There are also blogshops like Love Bonito that open brick and motar shop to better reach its consumers. Why isn't the traditional departmental store model working out? Businesses will have to keep evolving to stay relevant. Meanwhile, malls may change to incoporate more eateries (as have been an observed trend over the years)</p><p><br />This won't be the last closure we are seeing anytime soon for sure as the group that owns Robinsons also own other brands like Marks & Spencer, Zara and Mango. <br /><br /></p><p><b style="color: #cc0000; font-size: large;">SReits in spotlight due to Robinson's exposure</b></p><p><br />I believe that these malls would no doubt recover over time. The question remains only to answer is how long these Covid-19 restrictions and fear would prolong plus how would the market recover as new tenants take over the vacated spaces. This in turn means that if we are to buy in, we would need holding power to stomach further potential losses to reap the potential gain when it recovers. <br /><br />This means we need to have a high saving % to be able to deploy money we would not need in the immediate future for survival (with emergency fund).<br /><br /></p><p><b>1. <strike>CapitaMall Trust (SGX: C38U)</strike> has changed name to CapLand IntCom T (SGX: C38U) </b>- largest exposure to the group by store count with 15 outlets. Trading at $1.76 which has dropped off from recent $2.00 levels. Of course the parent CapitaLand (SGX: C31) is also affected. </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgX43D3kqjIoGMFo6m231dJaVjksziOSjj1SX-5GZthNBCLxo-jW6GWvKvsLcRE5PH-eEOW7o1W_5a1oeA8XTrxCe7eoIZRmYA7aIwtbln1WjRqFObzwoLNG3x9vyOEMd7qJzxaY1oRnpI/s1252/capitamall.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="637" data-original-width="1252" height="326" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgX43D3kqjIoGMFo6m231dJaVjksziOSjj1SX-5GZthNBCLxo-jW6GWvKvsLcRE5PH-eEOW7o1W_5a1oeA8XTrxCe7eoIZRmYA7aIwtbln1WjRqFObzwoLNG3x9vyOEMd7qJzxaY1oRnpI/w640-h326/capitamall.png" width="640" /></a></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0lZZ78yojzc7FtaMZ5cKzsHXJBNbfGmN7ugHj2B5UiIF_ejMEo_FAOb-aP6Yz1vU6XCBJ3Wql4CnjXoRa04XjqDpFcSrVvk9Kt175Yh-mu8uL-jP0Qoj8UIy51u0QeMGYJuOqhQdWHDk/s1265/capitaland.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="650" data-original-width="1265" height="328" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0lZZ78yojzc7FtaMZ5cKzsHXJBNbfGmN7ugHj2B5UiIF_ejMEo_FAOb-aP6Yz1vU6XCBJ3Wql4CnjXoRa04XjqDpFcSrVvk9Kt175Yh-mu8uL-jP0Qoj8UIy51u0QeMGYJuOqhQdWHDk/w640-h328/capitaland.png" width="640" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><p><b>2. Frasers Cpt Tr (SGX: J69U)</b> - second largest exposure with 11 outlets.<br /><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi41bY556IvB_ZbE-KSIdKNvRZSBgzalsrr_VqPkAM9SgV5GAxDXEgekzt1r_yo_ddhBNf_ehDj_W-Rb0h1-GN8tSAFryw6XKUsJ2Tb5iSiY9Oc8AFcb6KvZ7pnMJ_HJvDDPyUW_l4KMxs/s1264/frasers+cpt.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="646" data-original-width="1264" height="328" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi41bY556IvB_ZbE-KSIdKNvRZSBgzalsrr_VqPkAM9SgV5GAxDXEgekzt1r_yo_ddhBNf_ehDj_W-Rb0h1-GN8tSAFryw6XKUsJ2Tb5iSiY9Oc8AFcb6KvZ7pnMJ_HJvDDPyUW_l4KMxs/w640-h328/frasers+cpt.png" width="640" /></a></div><br /><p><b>3. Other counters affected potentially by links to the Al-Futtaim brands:<br /><br /></b></p><p></p><ul style="text-align: left;"><li>StarhillGbl Reit (SGX: P40U) - Ngee Ann City, Wisma Atria</li><li>Lendlease Reit(JYEU.SI) - 313@somerset</li><li>Mapletree Com Tr(N2IU.SI) - VivoCity<br /><br /></li></ul><p></p><p>Likewise, these counters have seen their stock prices dropped (but these were more on the backdrop of fear of Covid wave 2 on the global scene and US stimulus talks). <br /><br />Every 危机 (danger) also represents 转机 (opportunity). Wishing all friends and investors good health amidst this global pandemic as it drags on.<br /><br /></p><div style="font-size: 12.8px;"><b><span style="color: red; font-size: x-large;">K.C.</span></b></div><div><i>If you like this post, you might <a href="https://www.facebook.com/30yroldinvestor/">like our facebook page</a> as well. </i><i>I'm also on <a href="https://www.investingnote.com/users/kc_30#/?display=profile&user=kc_30&tab=latest">Investing Note</a>. I am also partnering with Reit-tirement blog and other bloggers to share ideas at: <a href="https://www.facebook.com/groups/1397925937071525/">https://www.facebook.com/groups/1397925937071525/</a></i></div><div><br /></div><div><span style="font-size: large;"><b>Related topics:</b><br />1. <a href="https://30yearoldinvestor.blogspot.com/2018/07/if-you-spend-what-you-earn-you-need-to.html">Why you need to set aside money for savings first</a></span><br /><span style="font-size: large;">2. </span><span style="font-size: large;"><a href="https://30yearoldinvestor.blogspot.com/2018/11/interview-process-cycle-how-to-increase.html">Interview process cycle: How to increase your interview rates</a></span><br /><span style="font-size: large;">3. </span><span style="font-size: large;"><a href="https://30yearoldinvestor.blogspot.com/2019/04/im-retrenched-3-things-to-think-about.html">I'm retrenched: 3 things to think about</a></span></div><div><span style="font-size: large;"><span>4. </span><a href="https://30yearoldinvestor.blogspot.com/2019/08/budgeting-why-i-refuse-to-spend-30min.html">Why I refuse to spend >15-30 minutes budgeting each month</a></span></div><p><b style="color: blue; font-size: x-large;"></b><br /><i><span style="color: #cc0000;">Disclaimer: The views expressed, opinion and information in this article are strictly for informational purposes to encourage educational discussions only. No content on this site constitutes - or should be understood as constituting - a recommendation to enter any securities transactions or to engage in any of the investment strategies presented in our site content. We do not provide personalised recommendations or views as to whether a particular stock or investment approach is suitable to the financial needs of a specific individual. No representation or warranty expressed or implied is made as to, and no reliance shall be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained on this website. "30 Year Old Investor" shall not be liable whatsoever for loss or damages of any kind arising from the result of any use, reliance or distribution of the articles or its contents from information contained on this website. </span></i></p></div><p></p>30YearOldInvestorhttp://www.blogger.com/profile/18442456587123026225noreply@blogger.com4Singapore1.352083 103.819836-26.958150836178845 68.663586 29.662316836178846 138.976086tag:blogger.com,1999:blog-7295314650616694802.post-21875504147187407752020-03-19T18:11:00.000-07:002020-03-22T19:42:39.023-07:00Covid-19 Crash: Amusing behaviours encountered + updates<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnfijuQyUEarElizDC-5Tzwj6PixPImUuGLibM6YP3XR-UtP0ftmID4EAGnpalWG8g6ZAEaDrRdiuZK_juxaHLN7o66pgKwEtoE04nXFCs-r8k0NbpQPAKNSp7Ce92jdir2sOvnaJ2O_M/s1600/Covid-19+crash+2.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="517" data-original-width="808" height="408" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnfijuQyUEarElizDC-5Tzwj6PixPImUuGLibM6YP3XR-UtP0ftmID4EAGnpalWG8g6ZAEaDrRdiuZK_juxaHLN7o66pgKwEtoE04nXFCs-r8k0NbpQPAKNSp7Ce92jdir2sOvnaJ2O_M/s640/Covid-19+crash+2.png" width="640" /></a></div>
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"Your blog is growing grass!" a reader J exclaimed over a Whatsapp chat as we exchanged updates on latest developments on the Covid-19. Sheepishly, I gave a weak excuse and later admitted that I have been lazy.</div>
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Indeed, my regular interactions have been reduced to just 2 small chat groups with some of my closest investor friends. Late February, the market caught many off guard as many are not sure what to make of the market tanking in our blank faces. Some bought in thinking it would rise back up as previous times last year.<br />
<br />
Of course, this time is different. The crash finally arrived.<br />
<b style="color: #cc0000;"><span style="font-size: large;"><br /></span></b>
<b style="color: #cc0000;"><span style="font-size: large;">The tl;dr 5 min summary:</span></b><br />
<br />
<b>1. Background:</b> This February-March 2020 market crash is probably the worst we've had in recorded history. It has been waiting to happen for sometime. In the Covid-19 pandemic and Oil price war, we've finally met the triggers that sparked the downward spiral. I do not think that this market crash will let up anytime soon, given that the Covid-19 is just about to reach it's peak in Europe and just starting in the US. There could be more room to fall.<br />
<br />
<b>2. KC encountered some amusing investor/ trader behaviours this crash:</b><br />
- Behaviour 1: A few readers asking <b><span style="color: red;">KC</span></b> how to open CDP/brokerage accounts saying "We want to invest because the markets crashed!"<br />
<br />
- Behaviour 2: One reader, without any prior investing knowledge or knowing anything plonked all his money into derivatives tanking substantial losses. (good luck) "All IN!" "High risk, High Gain!"<br />
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<b>3. Personal Updates and thoughts:</b><br />
<b>- </b>KC was busy from January to March due to run in of night class modules (3 days night classes per week). Exams plus assignments plus exams plus assignments... it's finally going to be over soon.<br />
- KC is also working hard with new projects, new opportunities and responsibilities given at work.<br />
- KC been saving cash since November 2019.<br />
- Portfolio tanking a -15% loss at the moment.<br />
- Some seasoned investor friends have shared with me that this period is a highly stressful period for them as this is truly an unprecedented black swan event. >30% loss over 2 weeks is quite heavy to stomach.<br />
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<span style="color: #cc0000; font-size: large;"><b>The backdrop: A Market Wide Crash</b></span><br />
Global markets plummeted since late February and have fallen about 30% off from its peak given the backdrop of 2 triggers:<br />
<br />
<b><span style="font-size: large;">1. Covid-19:</span></b> An unknown Coronavirus that (probably) originated in China during late November 2019 sparked mass panic in a number of South East Asian countries before causing widespread panic similarly when the pandemic reached Europe eventually and US soil later on. Globally, businesses are suffering with some companies at the forefront of it (such as tourism, hospitality, airline companies). This is mainly due to a huge drop in consumption of goods and services globally out of fear and panic of the risks of contracting the virus.<br />
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhNO9yff9xjMOjHSMsu3ZsaZE2kJ-Qafkx3XTGU36a0kOYGcFzMqAfrIUcCdDswUoy2LNrjaVlznxbhIe0bliGdfD7mKpSGfb8sK4GmgJrjWANAnMnlftLaHUezpvUeq2GxYMNXLo8LimQ/s1600/DJI.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="927" data-original-width="1548" height="380" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhNO9yff9xjMOjHSMsu3ZsaZE2kJ-Qafkx3XTGU36a0kOYGcFzMqAfrIUcCdDswUoy2LNrjaVlznxbhIe0bliGdfD7mKpSGfb8sK4GmgJrjWANAnMnlftLaHUezpvUeq2GxYMNXLo8LimQ/s640/DJI.png" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Dow Jones index dropped about 30% from recent high.</td></tr>
</tbody></table>
Interestingly, the US market did not respond to monetary policies rolled out by the Trump administration nor the quantitative easing (QE) policies from Fed cuts. This was unlike previous round of QE when it seemingly propped up and supported the market and businesses alike.<br />
<br />
<b><span style="font-size: large;">2: Russia-Saudi Arabia Oil Price War:</span></b> As an employee working in the Oil and Gas industry, I could say this has been an "accident" waiting for a long time to happen. We've all probably known for the longest time that Oil prices are artificially controlled with limits placed on production on the Organization of the Petroleum Exporting Countries (OPEC) and its allies.<br />
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjjD30L29oAKDcFkMcQk9rUjAd9RB2AoEQni-D2mlx3jVRf8ZwPPli9_fyU88UWZphjvp0tH3uXT9hvsaPJ2Rz7eDof-5Og97KOcVXR5jSRdUUWzLvw8Vm1VW2yqpqJfZIYUk62Turb7Qs/s1600/Top_Oil_Producing_Countries.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="741" data-original-width="681" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjjD30L29oAKDcFkMcQk9rUjAd9RB2AoEQni-D2mlx3jVRf8ZwPPli9_fyU88UWZphjvp0tH3uXT9hvsaPJ2Rz7eDof-5Og97KOcVXR5jSRdUUWzLvw8Vm1VW2yqpqJfZIYUk62Turb7Qs/s320/Top_Oil_Producing_Countries.png" width="294" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">By U.S. Energy Information Administration - https://www.eia.gov/totalenergy/data/monthly/archive/00351705.pdf (Monthly Energy Review, May 2017, Figure 11.1a), Public Domain, https://commons.wikimedia.org/w/index.php?curid=3457602</td></tr>
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Over the years, technology have improved such that we are now able to produce much more oil and more efficiently. Basic demand and supply dictates that without any intervention, market forces would drive the prices down.<br />
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Now, Russia and Saudi Arabia have picked quite an interesting time to have a go at each other with nobody wanting to back out from selling their oil. Both Russia and Saudi seem okay with trying to kill their competition by engaging in a price war. The result is that oil price is also down about 20%.<br />
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<b><span style="color: #cc0000; font-size: large;">Is this going to stop soon?</span></b><br />
With the market tanking in such a manner, I personally think it is unlikely that this would let up anytime soon. China seems to have walked out of the episode but over in Europe and US, panic is reaching an all time high.<br />
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The extent of devastation is evident in the sheer numbers of deaths.<br />
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From an economic standpoint of view: even if we manage to eradicate the virus tomorrow, the effects of the Covid-19 are far reaching and will have a lasting impact on the global economy. We have to be prepared to last for the long haul as investors because this looks like a prolonged period of downturn.<br />
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If China's spread lasted from late November 2019 to Mid March, the situation in Europe could carry another 2 months plus at least, and 3-4 months in US at the very least. This means we will have to look towards June to know if there is any chance of it turning around.<br />
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<b><span style="color: #cc0000; font-size: large;">Amusing behaviours (encountered as an investor/blogger)</span></b><br />
With the market tanking 30% over a matter of days in weeks, some readers finally decided to take action to open their investing accounts. While it is good that you finally take what many have been advocating to start investing, I would encourage new investors to remain cautious because we are now into uncharted territory.<br />
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"I want to invest because the market crashed!" one friend told me.<br />
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Anyway, I pointed them to resources on how to get started. I could sense that feeling of euphoria and enthusiasm that it seemed such a downer to ask my friend to be more cautious and learn the basics first before diving head in into the work of investing/ trading. I remember my own sense of excitement when I decided to start investing as well.<br />
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Well, at least even a lay man could tell what this stock market crash means. It is a 10 year one time golden opportunity to accumulate stocks on the "cheap". But, the challenge here is that there is some danger here.<br />
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<b><span style="color: #b45f06;">Lack of capital and the trouble of bottom fishing</span></b><br />
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As new investors, I know too well that one of the main constraints is actually having a discipline towards saving: this is the pre-cursor to having capital to deploy. For budding investors, many of us do not have enough to deploy. This is because investments are ideally suitable only for money that we do not need immediately. (Meaning we are able to take a certain degree of losses on them). This is also known as the ability to hold, or holding power. We will not be forced to liquidate positions due to a lack of cash for our daily use.<br />
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This therefore requires some careful planning and objective goal setting. As a new investor I would say that the objectives boil down to these 3 points: (at least personally)<br />
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<b>1. Having a discipline to save / finding more income</b><br />
The crash is going to pass us by if we don't have any capital to deploy when it comes back up eventually. Most friends I know simply don't save enough. We are living it up and spending on items such as gaining travel experiences and entertainment. It's not too late to start planning to save a portion first before spending on what you want.<br />
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<b>2. Minimising costs of investing</b><br />
The most absurd thing I've heard from a financial planner friend is that :"If she can earn 6% for her client, it is only right for her to take 2-3% (as commissions)" As a former planner myself, I can tell you that many people who manage others' money out there are only interested in lining their own pockets. You will do yourself a service to learn how to invest at lower costs. Otherwise, you are just helping others to get rich.<br />
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<b>3. Managing the downside risks and making calculated risks for potential gain</b><br />
The crux message of this point is essentially risk management. You identify the potential hazards ahead of your investing journey and doing your best to mitigate them by evaluating the control measures you are going to take to limit your losses. For example, to invest in stocks, you would do well to educate yourself on how to evaluate stocks. Another way, of course is to jump in and find out later that you are swimming with in the sea with no life jackets.<br />
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<span style="color: #cc0000; font-size: large;"><b>I think one of my friends did a bad move</b></span><br />
Recently out of the blue, one of my friends who asked me about how to start investing told me that he probably made a stupid mistake.<br />
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He told me that he started "investing" but is tanking some 30-40% loss when the week before I specifically warned that the market crash was going to get worse.<br />
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On further pressing, I discovered that he was "investing" in derivatives but do not understand the nature of derivatives and it being a leveraged tool. He thought that it was the same as stocks. In my opinion, this was probably the worst way one can start investing. Firstly, he did not understand the tool (derivative being used here) and how it works. Secondly, there is no plan, no nothing.<br />
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Just simply "High risk high gain, and ALL IN".<br />
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I questioned what is the rationale for using this derivative tool. He mentions that investing in traditional stock is far too slow. Using the derivative allows leveraging an "higher potential returns."<br />
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<b><span style="color: #b45f06;">"Be greedy when others are fearful, and be fearful when others are greedy". </span></b><br />
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At this point, I'm rather stumped for words. I wonder if there were more friends like this one who is plonking all his hard earned money this way. Luck seldom makes one rich, and if we depended on luck its more akin to gambling than anything else.<br />
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Please people, exercise caution and restraint. This is not like going to the supermarket and snatching what is available with the panic FOMO buys.<br />
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<span style="color: #cc0000; font-size: large;"><b>March Personal updates and thoughts</b></span><br />
My night classes are finally coming to an end: I have no idea if I made it in the final assessment due to my hectic schedule from February to March. I will find out at the end of the month.<br />
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Work wise, I have been given new opportunities to shine at work and I'm devoting a huge time and effort to ensure so (which explains why I'm having less time here). However, due to the Covid-19, a chance to go overseas for a short stint has probably gone up in smoke. Over at my new company, news of retrenchment again is announced. Luckily this time, I am not affected. I checked with a few of my friends in the same sector and it was quite congruent that many are cutting people now given the bleak outlook ahead.<br />
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<b>Portfolio wise: </b><br />
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I've not added any more new positions since late last year and been keeping cash. Current invested amount is around $18,000 and the current value is around $14,000. I'm sitting on $30,000 cash pile but am hesitant to deploy it since it is partially earmarked as wedding planning fund.<br />
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<b>Shocked, with trembling fear:</b><br />
One of my closest investor friend who is arguably my most profitable trading/investing friend saw his profits from a few years earlier wiped out during the circuit-breaker weeks where the markets dropped 7% and were halted. He personally told me that this was an unprecedented move and it is certainly a highly stressful event for him.<br />
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If we cannot stomach those losses then we probably shouldn't be investing. It is perfectly fine if one does not invest: as long as you live within means and spend less than what you earn, technically you don't need to.<br />
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Stay Safe, Play Safe.<br />
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p.s. Special thanks to Pete for proof-reading. But there might still be some grammatical errors. :)<br />
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<b><span style="color: red; font-size: x-large;">K.C.</span></b></div>
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<i>If you like this post, you might <a href="https://www.facebook.com/30yroldinvestor/">like our facebook page</a> as well. </i><i>I'm also on <a href="https://www.investingnote.com/users/kc_30#/?display=profile&user=kc_30&tab=latest">Investing Note</a>.</i></div>
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<span style="font-size: large;"><b>Related topics:</b><br />1. <a href="https://30yearoldinvestor.blogspot.com/p/about-me.html">About K.C. What is my story?</a><br />2. <a href="https://30yearoldinvestor.blogspot.com/2018/02/my-3c-money-investing-philosophy.html">My 3Cs to money/investing</a><br />3. <a href="https://30yearoldinvestor.blogspot.com/2018/07/if-you-spend-what-you-earn-you-need-to.html">Why you need to set aside money for savings first</a></span><br />
<span style="font-size: large;">4. </span><span style="font-size: large;"><a href="https://30yearoldinvestor.blogspot.com/2018/11/interview-process-cycle-how-to-increase.html">Interview process cycle: How to increase your interview rates</a></span><br />
<span style="font-size: large;">5. <a href="https://30yearoldinvestor.blogspot.com/2018/12/2018-year-end-review.html">My 2018 Year end review</a><br />6. </span><span style="font-size: large;"><a href="https://30yearoldinvestor.blogspot.com/2019/04/im-retrenched-3-things-to-think-about.html">I'm retrenched: 3 things to think about</a></span></div>
<span style="font-size: large;">7. <a href="https://30yearoldinvestor.blogspot.com/2019/08/budgeting-why-i-refuse-to-spend-30min.html">Why I refuse to spend >15-30 minutes budgeting each month</a></span><br />
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<i><span style="color: #cc0000;">Disclaimer: The views expressed, opinion and information in this article are strictly for informational purposes to encourage educational discussions only. It is important to conduct your own analysis before making any investment decisions based on your own personal circumstances. You should take reasonable measures such as seeking independent financial advice from professionals and/or independently research and verify the information that you find on "30 Year Old Investor" before undertaking any important investment decisions. No content on this site constitutes - or should be understood as constituting - a recommendation to enter any securities transactions or to engage in any of the investment strategies presented in our site content. We do not provide personalised recommendations or views as to whether a particular stock or investment approach is suitable to the financial needs of a specific individual. No representation or warranty expressed or implied is made as to, and no reliance shall be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained on this website. "30 Year Old Investor" shall not be liable whatsoever for loss or damages of any kind arising from the result of any use, reliance or distribution of the articles or its contents from information contained on this website. </span></i>30YearOldInvestorhttp://www.blogger.com/profile/18442456587123026225noreply@blogger.com3tag:blogger.com,1999:blog-7295314650616694802.post-19517361616931368162020-01-07T15:03:00.000-08:002020-01-07T15:30:28.886-08:00Portfolio/ Work Outlook 2020 & interesting reads (8th Jan)<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjPQC8m8anazFEeklpzhdjOTMSZKFL3R0cxTCtWkoJhktmofcWK5F1biwDJJBczz1gw1PY_Ko9CYbN-4NwZgWCN3f74i4y_RSWQRZWEQme_s58f1eIAWRezhkZW65e5gkaODL0lSGLkJ6Y/s1600/Jan+2020+picture.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="524" data-original-width="808" height="414" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjPQC8m8anazFEeklpzhdjOTMSZKFL3R0cxTCtWkoJhktmofcWK5F1biwDJJBczz1gw1PY_Ko9CYbN-4NwZgWCN3f74i4y_RSWQRZWEQme_s58f1eIAWRezhkZW65e5gkaODL0lSGLkJ6Y/s640/Jan+2020+picture.png" width="640" /></a></div>
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Wishing fellow investors, friends and readers a <b>HAPPY NEW YEAR 2020</b>!<br />
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A few readers have started to gently remind me that I'm late for my blog post update! 😅 Would firstly like to thank all of you for your continued support and concern since I started investing in February 2018. Time flies, 2 years have passed in a blink of an eye.<br />
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<span style="font-size: large;"><u><b>tl;dr (Too long, didn't read) Summary:</b></u></span><br />
<b>1. Busy Dec Period: Taking a toll but Fruitful - </b><br />
Work, studies and relationship commitments have taken up considerable time.<br />
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<b>2. Portfolio update: Outlook for next 2-3 years -</b><br />
Investment portfolio is likely to take a backseat. Currently, I am gearing up for wedding/HDB. If you have any pro-tips regarding couple finance/ saving for HDB/Wedding, please do leave a comment/drop me an email! 😊<br />
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<b>3. Work update: Performance for the year/ Career building - </b><br />
Career is at a stage it can go either way. I need to secure a promotion before the current boss moves on to his next post (2 years target, 4 years max). Overall secured a good performance this year and will have chance for further exposure.<br />
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<b>4. Interesting reads and thoughts of KC</b><br />
- Sing vs. Singh<br />
- LV's success and why we should aim to go over to business side on a company as an employee.<br />
- Sugar baby: Would you be one?<br />
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<b><span style="color: red; font-size: large;">1. Busy Dec Period: Taking a toll but Fruitful</span></b><br />
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<b><u>Work:</u></b><br />
Indeed, December has been a crazy month with my work as I saw a ramp up of work activities due to my department trying to spend the allocated funds for projects.<br />
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<b><u>Gatherings/Paktor (dating):</u></b><br />
Christmas and New Year was also a great time to get together with friends whom I have not seen for some time to catch up as well as to spend time with our loved ones. I would like to thank my loved ones for being my pillar of strength and support. You know who you are! <span style="font-size: 20px;">❤️ </span>And so, one colleague and a long time University buddy both invited me to their HDB. Co-incidentally, both are in Sengkang. And so, it kickstarted a HDB conversation between my partner and I. One thing I learnt was that renovations could be cheap(er) and your house turns out more unique/ customised if you do not go to the interior designer.<br />
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<b><u>Night Classes:</u></b><br />
My night classes are starting to take its toll on my body with packed classes in the evenings on most Mondays, Wednesdays and Fridays. I have to somehow last till end of March. Short term pain for Long term gain. Press on!!<br />
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<b><span style="color: red; font-size: large;">2. Portfolio update: Outlook for next 2-3 years</span></b><br />
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My Priorities have changed: for the next 2-3 years, from being a single person to starting preparations for marriage. As a result, my portfolio savings goals is likely to take a hit. Something has got to give way so I will have to be more prudent in my daily spending to maximise my savings over this period.<br />
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This also means that I will have minimal capital to deploy and will have to be more prudent in screening my counters. First and foremost, the bottleneck would be savings and the main constraint is the limited amount of salary I have. <span style="color: blue;"><b>It is either I spend less, save more or I increase my salary somehow.</b></span><br />
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I am also on the lookout for BTO but I am quite inexperienced in this aspect: if you have any opinion and good advice regarding HDB/BTO, feel free to drop a comment below or drop me an email. I would really appreciate it!<br />
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On my portfolio side, there is some speculation that AIMS Apac Reit would be in for a M&A: <a href="https://www.investingnote.com/posts/1778469">https://www.investingnote.com/posts/1778469</a>. Meanwhile I would keep calm and collect my dividends.<br />
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<span style="color: black;"><b><u>Portfolio as of Jan 2020</u></b></span><br />
<table cellpadding="0" cellspacing="0" dir="ltr" style="font-family: arial, sans, sans-serif; font-size: 10pt; table-layout: fixed; width: 0px;" xmlns="http://www.w3.org/1999/xhtml"><colgroup><col width="52"></col><col width="82"></col><col width="86"></col><col width="78"></col><col width="81"></col><col width="86"></col><col width="80"></col><col width="82"></col></colgroup><tbody>
<tr style="height: 21px;"><td style="background-color: #dddddd; border-color: rgb(0, 0, 0); border-style: solid; border-width: 1px; overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td data-sheets-value="{"1":2,"2":"Stock name"}" style="background-color: #dddddd; border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); border-top: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;">Stock name</td><td data-sheets-value="{"1":2,"2":"Code"}" style="background-color: #dddddd; border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); border-top: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;">Code</td><td data-sheets-value="{"1":2,"2":"Entry price"}" style="background-color: #dddddd; border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); border-top: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;">Entry price</td><td data-sheets-value="{"1":2,"2":"Shares"}" style="background-color: #dddddd; border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); border-top: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;">Shares</td><td data-sheets-value="{"1":2,"2":"Price"}" style="background-color: #dddddd; border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); border-top: 1px solid rgb(0, 0, 0); font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Price</td><td data-sheets-value="{"1":2,"2":"% Allocation"}" style="background-color: #dddddd; border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); border-top: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;">% Allocation</td><td data-sheets-value="{"1":2,"2":"Type"}" style="background-color: #dddddd; border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); border-top: 1px solid rgb(0, 0, 0); font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Type</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":1}" style="border-bottom: 1px solid rgb(0, 0, 0); border-left: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">1</td><td data-sheets-value="{"1":2,"2":"FCOT"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); font-family: Arial; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">FCOT</td><td data-sheets-numberformat="{"1":1}" data-sheets-value="{"1":2,"2":"ND8U"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: middle;">ND8U</td><td data-sheets-numberformat="[null,2,"0.0000",1]" data-sheets-value="{"1":3,"3":1.4673699999999998}" style="background-color: #b7e1cd; border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">1.4674</td><td data-sheets-value="{"1":3,"3":1000}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">1000</td><td data-sheets-formula="=R[0]C[-1]*R[0]C[-2]" data-sheets-value="{"1":3,"3":1467.37}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">1467.37</td><td data-sheets-formula="=R[0]C[-1]/R20C[-1]*100" data-sheets-numberformat="[null,2,"0.00",1]" data-sheets-value="{"1":3,"3":3.614270576812331}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">3.61</td><td data-sheets-value="{"1":2,"2":"Base"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Base</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2}" style="border-bottom: 1px solid rgb(0, 0, 0); border-left: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2</td><td data-sheets-value="{"1":2,"2":"FLT"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">FLT</td><td data-sheets-numberformat="{"1":1}" data-sheets-value="{"1":2,"2":"BUOU"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: middle;">BUOU</td><td data-sheets-numberformat="[null,2,"0.0000",1]" data-sheets-value="{"1":3,"3":1.071152}" style="background-color: #b7e1cd; border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">1.0712</td><td data-sheets-value="{"1":3,"3":2500}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2500</td><td data-sheets-formula="=R[0]C[-1]*R[0]C[-2]" data-sheets-value="{"1":3,"3":2677.88}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2677.88</td><td data-sheets-formula="=R[0]C[-1]/R20C[-1]*100" data-sheets-numberformat="[null,2,"0.00",1]" data-sheets-value="{"1":3,"3":6.595870770313013}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">6.60</td><td data-sheets-value="{"1":2,"2":"Base"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Base</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":3}" style="border-bottom: 1px solid rgb(0, 0, 0); border-left: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">3</td><td data-sheets-value="{"1":2,"2":"Singtel"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Singtel</td><td data-sheets-numberformat="{"1":1}" data-sheets-value="{"1":2,"2":"Z74"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: middle;">Z74</td><td data-sheets-numberformat="[null,2,"0.0000",1]" data-sheets-value="{"1":3,"3":3.3181599999999998}" style="background-color: #b7e1cd; border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">3.3182</td><td data-sheets-value="{"1":3,"3":1000}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">1000</td><td data-sheets-formula="=R[0]C[-1]*R[0]C[-2]" data-sheets-value="{"1":3,"3":3318.16}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">3318.16</td><td data-sheets-formula="=R[0]C[-1]/R20C[-1]*100" data-sheets-numberformat="[null,2,"0.00",1]" data-sheets-value="{"1":3,"3":8.17294074238645}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">8.17</td><td data-sheets-value="{"1":2,"2":"Base"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Base</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":4}" style="border-bottom: 1px solid rgb(0, 0, 0); border-left: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">4</td><td data-sheets-value="{"1":2,"2":"APTT"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">APTT</td><td data-sheets-numberformat="{"1":1}" data-sheets-value="{"1":2,"2":"S7OU"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: middle;">S7OU</td><td data-sheets-numberformat="[null,2,"0.0000",1]" data-sheets-value="{"1":3,"3":0.16314}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">0.1631</td><td data-sheets-value="{"1":3,"3":10000}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">10000</td><td data-sheets-formula="=R[0]C[-1]*R[0]C[-2]" data-sheets-value="{"1":3,"3":1631.4}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">1631.4</td><td data-sheets-formula="=R[0]C[-1]/R20C[-1]*100" data-sheets-numberformat="[null,2,"0.00",1]" data-sheets-value="{"1":3,"3":4.018291922972146}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">4.02</td><td data-sheets-value="{"1":2,"2":"Base"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Base</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":5}" style="border-bottom: 1px solid rgb(0, 0, 0); border-left: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">5</td><td data-sheets-value="{"1":2,"2":"Vicom"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Vicom</td><td data-sheets-numberformat="{"1":1}" data-sheets-value="{"1":2,"2":"V01"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: middle;">V01</td><td data-sheets-formula="=R[0]C[2]/R[0]C[1]" data-sheets-numberformat="[null,2,"0.0000",1]" data-sheets-value="{"1":3,"3":6.03398}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">6.0340</td><td data-sheets-value="{"1":3,"3":500}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">500</td><td data-sheets-value="{"1":3,"3":3016.99}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">3016.99</td><td data-sheets-formula="=R[0]C[-1]/R20C[-1]*100" data-sheets-numberformat="[null,2,"0.00",1]" data-sheets-value="{"1":3,"3":7.431130653848064}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">7.43</td><td data-sheets-value="{"1":2,"2":"Base"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Base</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":6}" style="border-bottom: 1px solid rgb(0, 0, 0); border-left: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">6</td><td data-sheets-value="{"1":2,"2":"SSB"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">SSB</td><td data-sheets-numberformat="{"1":1}" data-sheets-value="{"1":2,"2":"Just for reference"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: middle;">Just for reference</td><td data-sheets-numberformat="[null,2,"0.0000",1]" data-sheets-value="{"1":3,"3":1}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">1.0000</td><td data-sheets-value="{"1":3,"3":2000}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2000</td><td data-sheets-value="{"1":3,"3":2002}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2002</td><td data-sheets-formula="=R[0]C[-1]/R20C[-1]*100" data-sheets-numberformat="[null,2,"0.00",1]" data-sheets-value="{"1":3,"3":4.931114643735587}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">4.93</td><td data-sheets-value="{"1":2,"2":"Base"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Base</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":7}" style="border-bottom: 1px solid rgb(0, 0, 0); border-left: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">7</td><td style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td data-sheets-numberformat="[null,2,"0.0000",1]" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"></td><td style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"></td><td style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td data-sheets-numberformat="[null,2,"0.00",1]" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"></td><td style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"></td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":8}" style="border-bottom: 1px solid rgb(0, 0, 0); border-left: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">8</td><td data-sheets-value="{"1":2,"2":"Aims"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Aims</td><td data-sheets-value="{"1":2,"2":"O5RU"}" style="background-color: white; border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); font-family: Roboto; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">O5RU</td><td data-sheets-numberformat="[null,2,"0.0000",1]" data-sheets-value="{"1":3,"3":1.38}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">1.3800</td><td data-sheets-value="{"1":3,"3":3000}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">3000</td><td data-sheets-value="{"1":3,"3":4152.48}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">4152.48</td><td data-sheets-formula="=R[0]C[-1]/R20C[-1]*100" data-sheets-numberformat="[null,2,"0.00",1]" data-sheets-value="{"1":3,"3":10.227949518391181}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">10.23</td><td data-sheets-value="{"1":2,"2":"Base"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Base</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":9}" style="border-bottom: 1px solid rgb(0, 0, 0); border-left: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">9</td><td data-sheets-value="{"1":2,"2":"Cash"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Cash</td><td style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"></td><td data-sheets-numberformat="[null,2,"0.0000",1]" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"></td><td data-sheets-formula="=R[-17]C[-8]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00",1,1]" data-sheets-value="{"1":3,"3":22333.06}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"><span style="color: blue;">$22,333.06*</span></td><td data-sheets-formula="=R[0]C[-1]/R20C[-1]*100" data-sheets-numberformat="[null,2,"0.00",1]" data-sheets-value="{"1":3,"3":55.008431171541204}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">55.01</td><td data-sheets-value="{"1":2,"2":"Cash"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Cash</td></tr>
<tr style="height: 21px;"><td style="border-bottom: 1px solid rgb(0, 0, 0); border-left: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td data-sheets-value="{"1":2,"2":"Total Amount"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); font-weight: bold; overflow: hidden; padding: 2px 3px; vertical-align: bottom;">Total Amount</td><td data-sheets-formula="=R[-1]C[0]+R[-4]C[0]+R[-5]C[0]+R[-6]C[0]+R[-7]C[0]+R[-8]C[0]+R[-9]C[0]+R[-3]C[0]+R[-2]C[0]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00",1,1]" data-sheets-value="{"1":3,"3":40599.34000000001}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$40,599.34</td><td data-sheets-formula="=SUM(R[-9]C[0]:R[-1]C[0])" data-sheets-numberformat="[null,2,"0.00",1]" data-sheets-value="{"1":3,"3":99.99999999999999}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">100.00</td><td style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"></td></tr>
</tbody></table>
<br />
<b style="color: red; font-size: x-large;"><b style="color: red; font-size: x-large;"><span style="color: black; font-size: small; font-weight: 400;">- Portfolio value is $42,318.06 at end of 2019.</span></b></b><br />
<b style="font-size: x-large;"><b><span style="color: black; font-size: small; font-weight: 400;">-</span><span style="color: black; font-size: small; font-weight: 400;"> </span><span style="color: blue; font-size: small; font-weight: 400;">*$20,000 earmarked for wedding/housing fund.</span></b></b><b style="font-size: x-large;"><b style="color: red; font-size: x-large;"><span style="color: black; font-size: small; font-weight: 400;"><span style="font-weight: 400;"><span style="color: blue;"> (expect my portfolio to take a hit)</span></span></span></b></b><br />
<b style="font-size: x-large;"><b><span style="color: blue; font-size: small; font-weight: 400;"><br /></span></b></b>
<b style="color: red; font-size: x-large;"><b style="color: red; font-size: x-large;"><span style="color: black; font-size: small;"><u>Short Term Goal 2-3 years</u><br /><span style="font-weight: 400;">Wedding/Housing Fund Target: (approx. $800 per month min.)</span></span></b></b><br />
<table cellpadding="0" cellspacing="0" dir="ltr" style="font-family: arial, sans, sans-serif; font-size: 10pt; table-layout: fixed; width: 0px;" xmlns="http://www.w3.org/1999/xhtml"><colgroup><col width="82"></col><col width="86"></col><col width="78"></col><col width="81"></col></colgroup><tbody>
<tr style="height: 21px;"><td data-sheets-value="{"1":2,"2":"Year"}" style="background-color: #dddddd; border-color: rgb(0, 0, 0); border-style: solid; border-width: 1px; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Year</td><td data-sheets-value="{"1":2,"2":"Year Start Value"}" style="background-color: #dddddd; border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); border-top: 1px solid rgb(0, 0, 0); font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Year Start Value</td><td data-sheets-value="{"1":2,"2":"Target Value"}" style="background-color: #dddddd; border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); border-top: 1px solid rgb(0, 0, 0); font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Target Value</td><td data-sheets-value="{"1":2,"2":"Actual Value"}" style="background-color: #dddddd; border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); border-top: 1px solid rgb(0, 0, 0); font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Actual Value</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2020}" style="border-bottom: 1px solid rgb(0, 0, 0); border-left: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2020</td><td data-sheets-value="{"1":2,"2":"$20,000"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$20,000</td><td data-sheets-value="{"1":2,"2":"$29,600"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$29,600</td><td style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2021}" style="border-bottom: 1px solid rgb(0, 0, 0); border-left: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2021</td><td data-sheets-value="{"1":2,"2":"$29,600"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$29,600</td><td data-sheets-value="{"1":2,"2":"$39,200"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$39,200</td><td style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td></tr>
<tr style="height: 26px;"><td data-sheets-value="{"1":3,"3":2022}" style="border-bottom: 1px solid rgb(0, 0, 0); border-left: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2022</td><td data-sheets-value="{"1":2,"2":"$39,200"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$39,200</td><td data-sheets-value="{"1":2,"2":"$48,800"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$48,800</td><td style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td></tr>
</tbody></table>
<br />
<b><span style="color: red; font-size: medium;"><u>Projections (since inception):</u></span></b><br />
<div>
<table border="1" cellpadding="0" cellspacing="0" dir="ltr" style="border-collapse: collapse; border: none; font-family: arial,sans,sans-serif; font-size: 10pt; table-layout: fixed; width: 0px;" xmlns="http://www.w3.org/1999/xhtml"><colgroup><col width="41"></col><col width="30"></col><col width="83"></col><col width="88"></col><col width="83"></col><col width="86"></col><col width="76"></col><col width="74"></col></colgroup><tbody>
<tr style="height: 21px;"><td colspan="4" data-sheets-value="{"1":2,"2":"Road to Financial Independence"}" rowspan="1" style="border-bottom-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; vertical-align: bottom;">Road to Financial Independence</td><td style="border-bottom-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-bottom-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-bottom-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-bottom-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td></tr>
<tr style="height: 21px;"><td colspan="3" data-sheets-value="{"1":2,"2":"PROJECTION"}" rowspan="1" style="border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-style: italic; font-weight: bold; overflow: hidden; padding: 2px 3px; vertical-align: bottom;">PROJECTION</td><td style="border-bottom-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td colspan="2" data-sheets-value="{"1":2,"2":"ACTUAL FIGURES"}" rowspan="1" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-style: italic; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">ACTUAL FIGURES</td><td style="border-bottom-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":2,"2":"Year"}" style="border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Year</td><td data-sheets-value="{"1":2,"2":"Age"}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Age</td><td data-sheets-value="{"1":2,"2":"Portfolio\nProjected 2%/yr"}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Portfolio<br />
Projected 2%/yr</td><td data-sheets-value="{"1":2,"2":"Current capital \ninjection Rate/yr"}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Current capital<br />
injection Rate/yr</td><td data-sheets-value="{"1":2,"2":"Estimated\nDividend 3%"}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Estimated<br />
Dividend 3%</td><td data-sheets-value="{"1":2,"2":"Actual Portfolio \nat end of yr"}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Actual Portfolio<br />
at end of yr</td><td data-sheets-value="{"1":2,"2":"Actual Capital \nInjection/yr"}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Actual Capital<br />
Injection/yr</td><td data-sheets-value="{"1":2,"2":"Actual \nDividends"}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Actual<br />
Dividends</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2018}" style="border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2018</td><td data-sheets-value="{"1":3,"3":31}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">31</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":360}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$360.00</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":15941.59}" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$15,941.59</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":16928.4}" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$16,928.40</td><td data-sheets-value="{"1":3,"3":513.25}" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">513.25</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2019}" style="border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2019</td><td data-sheets-value="{"1":3,"3":32}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">32</td><td data-sheets-formula="=(1.02*R[-1]C[0])+R[-1]C[1]+R[-1]C[2]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":24600}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$24,600.00</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":738}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$738.00</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":2,"2":"$37,231.52 \n(till date)"}" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"><span style="font-family: inherit;">$42,318.06</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":2,"2":"$18,639.40\n(till date)"}" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"><span style="font-family: inherit;">$23,670.94</span></td><td data-sheets-value="{"1":2,"2":"$736.05\n (till date)"}" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"><span style="font-size: 10.6667px;">$890.54</span></td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2020}" style="border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"><span style="color: blue;">2020</span></td><td data-sheets-value="{"1":3,"3":33}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"><span style="color: blue;">33</span></td><td data-sheets-formula="=(1.02*R[-1]C[0])+R[-1]C[1]+R[-1]C[2]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":37830}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"><span style="color: blue;">$37,830.00</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"><span style="color: blue;">$12,000.00</span></td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":1134.8999999999999}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"><span style="color: blue;">$1,134.90</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"><span style="color: red;">$22,318.06<br />(Till Date)</span><br />
<br />
(-$20,000 for Wedding/HDB fund)</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">-<br />
(Till Date)</td><td style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"><span style="font-size: 10.6667px;">- </span><br />
<span style="font-size: 10.6667px;">(Till Date)</span></td></tr>
</tbody></table>
</div>
<div>
<br />
<b style="color: red; font-size: x-large;"><b style="color: red; font-size: x-large;"><span style="color: black; font-size: small; font-weight: 400;"><span style="font-weight: 400;">Long term portfolio goals would stay as per the table under the <a href="https://30yearoldinvestor.blogspot.com/p/my-portfolio-update.html">Portfolio Update</a> page. It remains to be seen how much I would be affected with the goals shift. </span></span></b></b><br />
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<b><span style="color: red; font-size: large;">3. Work update: Performance for the year/ Career building</span></b><br />
<br />
My job transition has stabilised and it is time to think about improving my current skillset so that I can hopefully move up to the next level in my career.<br />
<br />
I have been incredibly lucky to secure a pay raise and severance (previously retrenched) as well as a chance to travel abroad for business for exposure in my new employment.<br />
<br />
<b><u>Added responsibilities beyond current job scope (can be a double-edged sword):</u></b><br />
The positive here is that my current boss thinks that I am performing well and turning out good results as compared to a few colleagues who are in a similar level to my role despite only being in my role for half a year. Consequently, I will have a chance to prove myself as I take on added work (tasks for the next level job) outside of the core responsibilities of my current role as well as more opportunities to gain exposure and experience.<br />
<br />
The drawback is that I will definitely have less time for monitoring that market (which is probably fine since I will have less capital to deploy). And also, past experience at my old company where I was retrenched has taught me that things can change very fast, especially if my boss were to be changed by the management or re-located to elsewhere in the company.<br />
<br />
I might lose favour and get stuck so I am under some pressure to push and secure for the promotion fast within 2 years. If I do not manage to secure this by end of 4 years, it would mean that I have got stuck because by then my current boss is likely to move on to his next post.<br />
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<b><span style="color: red; font-size: large;">4. Interesting reads and thoughts of KC (</span></b><span style="color: red; font-size: large;"><b>8/1/2020)</b></span><br />
<br />
<span style="color: #0b5394; font-size: large;"><u>#1: Sing vs. Singh: Singaporeans vs. PRs?</u></span><br />
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<iframe allow="accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture" allowfullscreen="" frameborder="0" height="315" src="https://www.youtube.com/embed/DSCCnr6yPCU" width="560"></iframe><br /></div>
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Read More: <a href="https://www.todayonline.com/singapore/chan-chun-sing-and-pritam-singh-spar-parliament-over-data-distribution-new-jobs-among">https://www.todayonline.com/singapore/chan-chun-sing-and-pritam-singh-spar-parliament-over-data-distribution-new-jobs-among</a><br />
<br />
Read More:<a href="https://www.todayonline.com/commentary/singapores-economic-growth-and-job-creation-have-benefited-citizens-more-foreigners"> https://www.todayonline.com/commentary/singapores-economic-growth-and-job-creation-have-benefited-citizens-more-foreigners</a><br />
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<i><span style="color: #ea9999;">*Disclaimer: This is just my opinion and based on anecdotal experiences. I am not siding any political party, but more concerned about Singaporean's future and my own future as a Singaporean.</span></i><br />
<br />
One of the major talking points that have caught my attention was this Sing vs. Singh showdown in parliament where our opposition is questioning and pressing our ruling party to inform us of the exact breakdown of Singaporeans and PRs in what is defined as "local PMETs"<br />
<br />
This is a tough and a cold hard truth Singaporeans may have to face: Are Singaporeans these days so strawberry that we have to rely on policies to guarantee we get ahead in this supposedly meritocratic system?<br />
<br />
But, if we go down such a path, it is dangerous because in the private sector, work quality counts. And in some cases, the work quality I have seen from some of my Singaporean colleagues really make it hard to justify putting them ahead of FTs in my various stints at a few MNCs. Many of the FTs I have worked with in MNCs have good exposure, turn out better work quality, better work attitude and are far more humble and open to learn than Singaporean colleagues.<br />
<br />
I really feel that the government should release the statistics and let us draw our own conclusions. If we are failing, we need to know and we need a knock on our heads, <i>fast</i>.<br />
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<span style="color: #0b5394; font-size: large;"><u>#2: The Story behind Louis Vuitton</u></span><br />
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<iframe allow="accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture" allowfullscreen="" frameborder="0" height="315" src="https://www.youtube.com/embed/S2WBCsWM8gM" width="560"></iframe></div>
<br />
In my previous blog post, I shared this video (a documentary on LV's success I watched on my flight back):<br />
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Firstly, I gained a good understanding of branding and business models of a successful business that I find is commonly found in other businesses as well. Successful businesses often are able to charge premium for their products, create a good and loyal customer experience and while earning a high margin. From an investing point of view, a 40% margin would mean a highly profitable business.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEios7DRQIVLdcVJv29slACRDj7ojeebXShkJH-_kMBp4CJjzb4uCP-itrNRx_uefGPL4hVyfc3IRIUjaH3X3bSyvB_P2FysCsMn_R30du2DXlGN18_W82HkExljy3rM2MSGUEJh7q9xwRQ/s1600/LV.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="568" data-original-width="1080" height="210" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEios7DRQIVLdcVJv29slACRDj7ojeebXShkJH-_kMBp4CJjzb4uCP-itrNRx_uefGPL4hVyfc3IRIUjaH3X3bSyvB_P2FysCsMn_R30du2DXlGN18_W82HkExljy3rM2MSGUEJh7q9xwRQ/s400/LV.jpg" width="400" /></a></div>
<br />
A breakdown of LV's cost in a bag is as the picture above.<br />
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The people who actually make the bag only earn the pie from 10% of the price of the bag. The sales person earns from the 50% pie, while the company takes in 40% profit. I find this a sobering thought now that I am in a business related function, having come from a technical background within my industry. Folks in the business side have far more chances for advancements while the manufacturing folks are often kept there (don't fix what isn't spoilt) as production managers in the manufacturing departments often try to keep things status quo.<br />
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I used to envision a career in Technical, but in most companies, Sales teams often have a louder voice and are the decision makers in the company. This is true for my current and previous company. Even if you make the world's best bag, it would be nothing if nobody knew about it and none of it gets sold.<br />
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Where would we want to be in a company? Think again.<br />
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I could be misguided by my own experiences but I would definitely want to leverage on my technical experience to try to gravitate towards sales/marketing functions and customer facing roles as I can already feel a considerable difference being employed on the business side.<br />
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<span style="font-size: large;"><u><span style="color: #0b5394;">#3: Sugar baby: Would you be one?</span></u></span><br />
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<iframe allow="accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture" allowfullscreen="" frameborder="0" height="315" src="https://www.youtube.com/embed/cd7JnCeiv6Q" width="560"></iframe><br /></div>
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At this point... just want to put out the supposed "benefits" of sugar dating the lady got:<br />
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- HP laptop<br />
- Pandora custom made necklace<br />
- Hotel stays and private yacht trips<br />
- Iphone<br />
- ~ $3,000 SGD allowance<br />
- Support daily expenses, pay for student loans<br />
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I'm rather speechless with this one. But I do think she is rather brave to be truthful about this. I think she has a day job that earns around $3,000 as well so I guess this gives her the ability to sustain the kind of lifestyle or dating she wants. I just can't help but wonder if this is an exploitation disguised as 'dating'.<br />
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Read More: <a href="https://www.businessinsider.sg/sugar-baby-relationship-sugar-daddy-what-its-like-2019-8/?r=US&IR=T">https://www.businessinsider.sg/sugar-baby-relationship-sugar-daddy-what-its-like-2019-8/?r=US&IR=T</a><br />
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What do you think?<br />
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<b><span style="color: red; font-size: x-large;">K.C.</span></b></div>
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<span style="font-size: large;"><b>Related topics:</b><br />1. <a href="https://30yearoldinvestor.blogspot.com/p/about-me.html">About K.C. What is my story?</a><br />2. <a href="https://30yearoldinvestor.blogspot.com/2018/02/my-3c-money-investing-philosophy.html">My 3Cs to money/investing</a><br />3. <a href="https://30yearoldinvestor.blogspot.com/2018/07/if-you-spend-what-you-earn-you-need-to.html">Why you need to set aside money for savings first</a></span><br />
<span style="font-size: large;">4. </span><span style="font-size: large;"><a href="https://30yearoldinvestor.blogspot.com/2018/11/interview-process-cycle-how-to-increase.html">Interview process cycle: How to increase your interview rates</a></span><br />
<span style="font-size: large;">5. <a href="https://30yearoldinvestor.blogspot.com/2018/12/2018-year-end-review.html">My 2018 Year end review</a><br />6. </span><span style="font-size: large;"><a href="https://30yearoldinvestor.blogspot.com/2019/04/im-retrenched-3-things-to-think-about.html">I'm retrenched: 3 things to think about</a></span></div>
<span style="font-size: large;">7. <a href="https://30yearoldinvestor.blogspot.com/2019/08/budgeting-why-i-refuse-to-spend-30min.html">Why I refuse to spend >15-30 minutes budgeting each month</a></span><br />
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<i><span style="color: #cc0000;">Disclaimer: The views expressed, opinion and information in this article are strictly for informational purposes to encourage educational discussions only. It is important to conduct your own analysis before making any investment decisions based on your own personal circumstances. You should take reasonable measures such as seeking independent financial advice from professionals and/or independently research and verify the information that you find on "30 Year Old Investor" before undertaking any important investment decisions. No content on this site constitutes - or should be understood as constituting - a recommendation to enter any securities transactions or to engage in any of the investment strategies presented in our site content. We do not provide personalised recommendations or views as to whether a particular stock or investment approach is suitable to the financial needs of a specific individual. No representation or warranty expressed or implied is made as to, and no reliance shall be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained on this website. "30 Year Old Investor" shall not be liable whatsoever for loss or damages of any kind arising from the result of any use, reliance or distribution of the articles or its contents from information contained on this website. </span></i></div>
30YearOldInvestorhttp://www.blogger.com/profile/18442456587123026225noreply@blogger.com2tag:blogger.com,1999:blog-7295314650616694802.post-21335109406511930402019-11-24T02:24:00.001-08:002019-11-24T04:32:46.721-08:00Nov Update: Sold Japfa, added AIMS reit and thoughts on company trip 😛<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhbfW534yWDUhv7nVS2RDnZGVQXBtFwizQlh9kDG0Djj1oRlkj-ytu51ucWni9nVeIwcEFrgnAtWZPl-q8JqGKcRcc9tAjOKBPwEqG1PZdtG_ATBw1TxiklTZGgAbwgv2ywDUJGNDybDtQ/s1600/Nov+update.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="434" data-original-width="810" height="342" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhbfW534yWDUhv7nVS2RDnZGVQXBtFwizQlh9kDG0Djj1oRlkj-ytu51ucWni9nVeIwcEFrgnAtWZPl-q8JqGKcRcc9tAjOKBPwEqG1PZdtG_ATBw1TxiklTZGgAbwgv2ywDUJGNDybDtQ/s640/Nov+update.png" width="640" /></a></div>
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<br />
2019 has been a good year (overall) for me.<br />
From being retrenched to getting a pay raise and new opportunities: I did get more busy with work and commitments but it would be best to capture down my thoughts while they are still fresh.<br />
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<b><span style="color: #cc0000; font-size: large;">NOVEMBER UPDATE (STOCKS):</span></b><br />
I have been purely focusing on my work which I have gotten up to speed. As a result, there were only 2 stocks that I have purchased from the period of late June up till November:<br />
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The two stocks are Japfa (SGX:UD2) and AIMS APAC Reit (SGX:O5RU). I will go straight to the point regarding the motivations behind getting these 2 counters. These 2 counters experienced some distress which caused their stock price to be "punished". The fundamentals of these 2 remained largely unchanged but was beat down due to short term reasons.<br />
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<span style="color: #cc0000; font-size: x-large;"><b>Japfa (SGX:UD2)</b></span><br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg7q3fqHykNI84mLqq7ucdmeMsn3ULhJS1odMaDF6d9TY23LqfgmKmZxwKZVySJHo3SCTEHRkPAaXGkX9jsqTqdwFqBIrIjVSnZBz6ALECHmyryPyUhYJCVDPsVBApRkHYW98zDWlOhlO4/s1600/japfa+downgrade+swine+flu.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="663" data-original-width="1040" height="255" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg7q3fqHykNI84mLqq7ucdmeMsn3ULhJS1odMaDF6d9TY23LqfgmKmZxwKZVySJHo3SCTEHRkPAaXGkX9jsqTqdwFqBIrIjVSnZBz6ALECHmyryPyUhYJCVDPsVBApRkHYW98zDWlOhlO4/s400/japfa+downgrade+swine+flu.png" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Source: <a href="https://www.businesstimes.com.sg/companies-markets/brokers-take-cgs-cimb-downgrades-japfa-to-reduce-after-african-swine-fever">https://www.businesstimes.com.sg/companies-markets/brokers-take-cgs-cimb-downgrades-japfa-to-reduce-after-african-swine-fever</a></td></tr>
</tbody></table>
For Japfa, in early March, there were already calls for it to be downgraded. This was on the backdrop of the African swine fever outbreak. This presents a crisis as fear whipped the stock down.<br />
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh2k6PiwBJZYf6aEo4-jWZYKC_3Lzo6PwKXPRVfIofw6cZ6KiTDGOFbvP1iAYHUI7_0QKUAIJeTUQPYWkluKDQwkf8AHsvGJN4GnTHWEN2NcYj5LFDhFEN2MU8olh6XTa050LWEf8IVLFQ/s1600/japfa+dairy.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="585" data-original-width="730" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh2k6PiwBJZYf6aEo4-jWZYKC_3Lzo6PwKXPRVfIofw6cZ6KiTDGOFbvP1iAYHUI7_0QKUAIJeTUQPYWkluKDQwkf8AHsvGJN4GnTHWEN2NcYj5LFDhFEN2MU8olh6XTa050LWEf8IVLFQ/s400/japfa+dairy.png" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Source: Japfa website</td></tr>
</tbody></table>
Japfa's profile: Has 3 segments namely the Dairy, Animal Protein and Consumer food segments.<br />
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<span style="color: #3d85c6; font-size: large;"><b>Japfa's dairy segment:</b></span><br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiu6ILk8ZMpBoYWbPT2CZYI0cQzYBGo6JPs3BzCh6-7k9jLLxbgxD1JhMrKDYqc4HG0cHxWtGkBc_rKCVThXGWPjxlTto2FIj93SkKSzuSyLh6F_WgQ_YM52BcRU4ZqhUEppJHjxLPdC6U/s1600/greenfields.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="518" data-original-width="700" height="295" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiu6ILk8ZMpBoYWbPT2CZYI0cQzYBGo6JPs3BzCh6-7k9jLLxbgxD1JhMrKDYqc4HG0cHxWtGkBc_rKCVThXGWPjxlTto2FIj93SkKSzuSyLh6F_WgQ_YM52BcRU4ZqhUEppJHjxLPdC6U/s400/greenfields.png" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-size: 12.8px;">Source: Japfa website</span></td></tr>
</tbody></table>
Some of us might be familiar with the Greenfields label branding. That comes from Japfa. Japfa runs farms in China (over 72,000 imported Holstein cattle) and also farms and milk processing facilities in Indonesia. This caters to the needs of the region (Hong Kong, Singapore, Malaysia, Brunei, The Philippines, Myanmar and Cambodia) with Singapore as the distributing point.<br />
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<span style="color: #3d85c6; font-size: large;"><b>Japfa's consumer food segment</b></span><br />
Japfa also supplies processed food with their own supply of poultry, beef and aquaculture farms to mainly the Indonesia market and also Vietnam.<br />
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<span style="color: #3d85c6; font-size: large;"><b>Japfa's animal protein segment (the troubled one):</b></span><br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjXrNABnGhf_zAJxtx64PihLQftBZL7aualkI8Y-M5suHN4A_qDNyH3fUX-Xcj_Xxw5z7S2Fl-ifKP6GDAhWjiMDLCv-dzTDrb77bSglQ1f7cDlDTU1DYQeJLUQSIA08Ep8q0fkJ9z_-Ik/s1600/animal+protein.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="663" data-original-width="733" height="361" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjXrNABnGhf_zAJxtx64PihLQftBZL7aualkI8Y-M5suHN4A_qDNyH3fUX-Xcj_Xxw5z7S2Fl-ifKP6GDAhWjiMDLCv-dzTDrb77bSglQ1f7cDlDTU1DYQeJLUQSIA08Ep8q0fkJ9z_-Ik/s400/animal+protein.png" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-size: 12.8px;">Source: Japfa website</span></td></tr>
</tbody></table>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEggoiaBvDNbmCLAHDj3hYqaPRre7xp4kgkCZyPw-JDgp-KnJ0LQVFqtq1FIh-YmEEXxK-VQlwFNlMqWeZWO2nyZxP36q6BQdn1QCktu6qJQosQsTAjkQCiy8rzmxlNPQj1-ayejfNyBWU0/s1600/ASF.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="418" data-original-width="579" height="288" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEggoiaBvDNbmCLAHDj3hYqaPRre7xp4kgkCZyPw-JDgp-KnJ0LQVFqtq1FIh-YmEEXxK-VQlwFNlMqWeZWO2nyZxP36q6BQdn1QCktu6qJQosQsTAjkQCiy8rzmxlNPQj1-ayejfNyBWU0/s400/ASF.png" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Source: <a href="http://www.fao.org/ag/againfo/programmes/en/empres/ASF/situation_update.html">http://www.fao.org/ag/againfo/programmes/en/empres/ASF/situation_update.html</a></td></tr>
</tbody></table>
This is the troubled segment for Japfa:<br />
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The African Swine Fever (ASF) outbreak hit its swine business as Japfa engages in Swine feed manufacturing & distribution, GP-PS breeding, Commercial piglet production & distribution and Fattening of commercial piglets under JAPFA COMFEED VIETNAM LTD. CO. The ASF hit a host of asian countries from late 2018 and continued through most of 2019 as countries took action to control the outbreak with pig culling, legislation on illegal vaccines, movement control.<br />
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhZZOr_jpb2NgmxCkVs3gEWf84pIhFPhJBmo8NgfnVBAm_Vgm6uMqbYVbcGO2AeJbAxlRauHA-KiJ0wcaX-c5wSNBFRQA6n_10h9DSUuPMiUxADDlzA9e7Hfh0a9xCvfaMZqDQq0flmFCk/s1600/japfa+poultry.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="641" data-original-width="797" height="321" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhZZOr_jpb2NgmxCkVs3gEWf84pIhFPhJBmo8NgfnVBAm_Vgm6uMqbYVbcGO2AeJbAxlRauHA-KiJ0wcaX-c5wSNBFRQA6n_10h9DSUuPMiUxADDlzA9e7Hfh0a9xCvfaMZqDQq0flmFCk/s400/japfa+poultry.png" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-size: small; text-align: start;">Source: <a href="https://www.straitstimes.com/asia/se-asia/indonesia-says-throw-eggs-away-to-support-chicken-meat-prices">https://www.straitstimes.com/asia/se-asia/indonesia-says-throw-eggs-away-to-support-chicken-meat-prices</a></span></td></tr>
</tbody></table>
Another stressed segment is its Poultry segment in Indonesia. Poultry prices and egg prices collapsed and the average retail price of chicken meat has plunged 25 per cent this year to 30,050 rupiah (S$3) per kilogram, the lowest since at least July 2016.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZFgb9bp2Sgq_b2XoGPSXA_XxG_iXugdsuaaQTu0Y52gx0pDxQJG_-nY1i_47_AHoU7MpMfCdCtqFeZoWLSNWLsmj7HoSioShPA1uOrDUolyxuvl0Pa72Nws4WeObg3YcETlsUqssgYfA/s1600/chart-1574579333537.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="892" data-original-width="1600" height="355" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZFgb9bp2Sgq_b2XoGPSXA_XxG_iXugdsuaaQTu0Y52gx0pDxQJG_-nY1i_47_AHoU7MpMfCdCtqFeZoWLSNWLsmj7HoSioShPA1uOrDUolyxuvl0Pa72Nws4WeObg3YcETlsUqssgYfA/s640/chart-1574579333537.png" width="640" /></a></div>
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I entered Japfa on 21 June with EP of $0.535. From March onwards it was on a downtrend and headwind from the distressed segments played out. However it has since rebounded off in October. This was probably off the news Japfa posting revenue of US$952.2 million, with an 8.5% growth compared to US$877.4 million of the same period last year (despite the troubles).<br />
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5oYxn81LsJ6rj73vqJBqxdahoMzcYmxlCJlBb4Ekue3bUAkXjGf5TcbhVfh1lonUoZDIBmXORJtojhnO9r4WoXqpHeUzvwGv5oEYtN8jy5araHS8-eF3ByU4JiukZ5VUtKfYJKpRpRkw/s1600/Operating+profit+margin.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="250" data-original-width="690" height="228" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5oYxn81LsJ6rj73vqJBqxdahoMzcYmxlCJlBb4Ekue3bUAkXjGf5TcbhVfh1lonUoZDIBmXORJtojhnO9r4WoXqpHeUzvwGv5oEYtN8jy5araHS8-eF3ByU4JiukZ5VUtKfYJKpRpRkw/s640/Operating+profit+margin.png" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Source : <a href="https://repository.shareinvestor.com/rpt_view.pl/id/75db164f4b9d16b5f2abd7728db32d5984b9a0f16a35d15e350b73e864db1ca1/type/si_news">Japfa 3Q2019 Financial Results</a></td></tr>
</tbody></table>
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One interesting point to note was that while overall Revenue increased, the operating profitability dropped significantly. As such I would expect it to start retracing, but this run could continue for a while through to the Chinese New Year festive periods.<br />
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<span style="color: #cc0000; font-size: large;"><b>Japfa Summary Action:</b></span><br />
EP: $0.535 (10,000 shares) - 21 Jun 2019<br />
Sold: $0.555 - 8 Nov 2019<br />
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Happy to sell for a small small profit to fund one of my overseas purchase since it was a relatively short term speculative position. (Short term because I think of myself as a passive long term investor) All that work for $150 gain, I know I know. lol. I admit I was okay to just breakeven given the backdrop of having to stomach it going down to 0.4X. More astute investors/traders among my circle added more when it went down further. I did not. So therefore, I still think my emotional side is not as disciplined in execution of trade plans. Hindsight is 20/20 as they say. But I'm happy to reduce losses from last year, no matter how small the amount is.<br />
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I was able to hold down on my EP even when it dropped to lows of $0.45 because of holding power. As I did not need the money invested I could afford to hold it until it turnaround. However, I did not expect it to continue in an upward trend as it is doing now (Short term uptrend intact). I would expect it to retrace at some point later on.<br />
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<span style="color: #a64d79; font-size: x-large;"><b>AIMS APAC Reit or AAreit (SGX:O5RU)</b></span><br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg40mYmVRdUQkO3Rq_pZ3KcuO7cksDBMnELuj3NzGzJyNg9uQVL8QgBp2D9s7xuToEIQzCY56NKXXoeBHJMFpqyfKLP4mITPfvtklIyYB_JGDORgmYuxjJin-cRvhn0hsW_N7UiuQO5g7E/s1600/AA+reit.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="593" data-original-width="836" height="282" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg40mYmVRdUQkO3Rq_pZ3KcuO7cksDBMnELuj3NzGzJyNg9uQVL8QgBp2D9s7xuToEIQzCY56NKXXoeBHJMFpqyfKLP4mITPfvtklIyYB_JGDORgmYuxjJin-cRvhn0hsW_N7UiuQO5g7E/s400/AA+reit.png" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Source: <a href="https://www.businesstimes.com.sg/companies-markets/hot-stock-aa-reit-tumbles-68-after-bookbuilding-exercise">https://www.businesstimes.com.sg/companies-markets/hot-stock-aa-reit-tumbles-68-after-bookbuilding-exercise</a></td></tr>
</tbody></table>
The case for AAreit is a more straightforward one. (Will not go into fundamentals of AAreit, but you may want to check out its <a href="http://www.aimsapacreit.com/">website</a>). The Trust mainly invests in a portfolio of income-producing real estate located across the Asia Pacific (industrial purposes, including warehousing and distribution activities, business park activities and manufacturing activities.)<br />
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According to <a href="https://www.businesstimes.com.sg/companies-markets/hot-stock-aa-reit-tumbles-68-after-bookbuilding-exercise">a Business times article</a> (16 Oct 19): "AIMS Financial, AA Reit’s sole sponsor, had placed out 70.3 million secondary units in the Reit at S$1.35 apiece, raising some S$94.9 million. It also represents an 8.8 per cent discount to the units' closing price of S$1.48 on Oct 15.<br />
<br />
<u><span style="color: red;">The placement units comprised 10.09 per cent of the total number of AA Reit units currently in issue. </span></u>They were placed out to predominantly new investors, including institutional, sovereign wealth, family office and high net worth investors across the Asia-Pacific and Europe, the manager said during the midday break.<br />
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The secondary placement occurred via a bookbuilding process by Merrill Lynch (Singapore), DBS Bank and Maybank Kim Eng Securities on the same day."<br />
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<span style="color: #cc0000; font-size: large;"><b>New shares or old shares?</b></span><br />
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Another <a href="https://www.businesstimes.com.sg/companies-markets/aa-reit-sponsor-raises-s949m-from-unit-placement-via-bookbuilding">Business Times article</a> said on the same day: "The placement came after <u><span style="color: red;">AIMS exercised the call option relating to the 70.3 million units, which were previously held by AIMS' former joint venture partner AMP Capital Investors and its affiliates.</span></u>"<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3ODYKdZA9JUNpRaVkIXuSyO2He6oCMNbOXuFq2AsCXrbLK9a2YfaIXCIx85bwWILIowRcpQPl2V9PC292LVJKGwwmLYeApoDRmbcQty_YM11GUSEkjXH6IuqMszTHlmEirTgZr5q7RyQ/s1600/secondary+placement.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="197" data-original-width="644" height="121" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3ODYKdZA9JUNpRaVkIXuSyO2He6oCMNbOXuFq2AsCXrbLK9a2YfaIXCIx85bwWILIowRcpQPl2V9PC292LVJKGwwmLYeApoDRmbcQty_YM11GUSEkjXH6IuqMszTHlmEirTgZr5q7RyQ/s400/secondary+placement.png" width="400" /></a></div>
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<a href="https://www.investopedia.com/terms/s/secondaryoffering.asp">https://www.investopedia.com/terms/s/secondaryoffering.asp</a><br />
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According to investopedia, "There are two types of secondary offerings. A non-dilutive secondary offering is a sale of securities in which one or more major stockholders in a company sell all or a large portion of their holdings. The proceeds from this sale are paid to the stockholders that sell their shares. Meanwhile, a dilutive secondary offering involves creating new shares and offering them for public sale."<br />
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Since the 70.3 million units were previously held, they couldn't have been new units. (therefore technically, non-dilutive) but it got punished nonetheless.<br />
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Of course, if we were existing holders, this feels like a "dilution" although it is not as they sold it cheaper than valuation. But since I did not hold any shares, the "punished" stock presented a rare buying in opportunity - with the fundamentals unchanged.<br />
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<span style="font-size: large;"><span style="color: #cc0000;"><b>AAreit </b></span><b style="color: #cc0000;">Summary Action:</b></span><br />
EP: $1.38 (3,000 shares) - 18 Oct 2019<br />
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I do think that this stock can be held down for the longer term. I wanted to buy 6,000 shares but as usual of my plan sizing, I will buy half. This is also in line with my aims to keep a certain amount of cash.<br />
<br />Update: AAreit also offered a DRP (reinvestment plan) to give out recent dividends at the price of $1.368. (current trading at 1.44) which I will subscribe for this time.<br />
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<b><span style="font-size: large;">Stock monitoring at the moment:</span></b><br />
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I am looking at Mapletree NAC Tr (SGX: RW0U) and HongkongLand USD (SGX: H78). This is because with the situation in Hong Kong, this stock has similarly been "punished".<br />
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgAKGWmGL5OhPK995gsncidPl_AXreAiy_SF0m_SXAdZFj0gkMqRUiKVU00axVA7wcD0Gy4pO3Z9kFh1RCmmy1psYRnYw2mLR5Oss7VX-mLeQHOu586sk41XZG2jKmIAH-HJDDjxHcmfIw/s1600/mapletrere+NAC.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="866" data-original-width="1071" height="322" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgAKGWmGL5OhPK995gsncidPl_AXreAiy_SF0m_SXAdZFj0gkMqRUiKVU00axVA7wcD0Gy4pO3Z9kFh1RCmmy1psYRnYw2mLR5Oss7VX-mLeQHOu586sk41XZG2jKmIAH-HJDDjxHcmfIw/s400/mapletrere+NAC.png" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Source: <a href="https://www.businesstimes.com.sg/companies-markets/mapletree-nac-trust-says-damaged-hong-kong-mall-still-closed">https://www.businesstimes.com.sg/companies-markets/mapletree-nac-trust-says-damaged-hong-kong-mall-still-closed</a></td></tr>
</tbody></table>
However, I would likely adopt a "wait and see" attitude as I don't think the situation is likely to dissolve itself soon. This kind of events are usually rare and the scale of disruption to this is far worse that that of AAreit (considered mildest) to Japfa (a mid term crisis brought about by ASF and poultry prices' demand and supply).<br />
<br />
MNAC, for example has fallen from recent highs of 1.46-ish to current levels at 1.14. Not all "punished" stocks present good opportunities and we need to do our homework to determine if they are short term fall or long term fundamental changes. (Think lippo malls as a result of their sponsors and Indonesia government's tax law changes in the past)<br />
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<b><span style="color: #674ea7; font-size: x-large;">Company trip 2019</span></b><br />
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This year has been overall a good year and there is really little for me to complain about. During the early portion of the year, my old company was facing headwind so there was little work to do. Eventually, <a href="https://30yearoldinvestor.blogspot.com/2019/06/retrenchment-and-25-pay-increase-that-i.html">when the retrenchment axe came, </a>I was able to secure a new job opportunity that started within 2 weeks after my old employment ceased. With it came along an increase in pay and brand new opportunities to learn. Thank God it all worked out in the end.<br />
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My heart is full of thanksgiving as also because as a result of the retrenchment, I made friends with a local SME CEO (I went for interview at his company but accepted another offer) whom I could really click well, and in come sense, what he shares about his challenges and mindset really inspire and intrigue me. I'm also humbled that he does not consider beneath him to make friends with me or share his thoughts. (I'm just a poor young man from a poor background, trying to find his way in the marketplace today)<br />
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My current work comes with its own set of challenges as well. However, I think all in all, after interaction with so many colleagues, my boss and supervisor are generally very supportive in terms of work. The culture at work is also a very positive one.<br />
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<span style="font-size: large;"><b>The question of "doing just enough" or "beyond call of duty"</b></span><br />
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One thing that constantly comes to mind is this: How do I grow in my career and also breakthrough?<br />
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From my exchanges with my seniors and the CEO friend, there are generally 2 types of workers (doesn't mean low value workers earn less, in fact some can earn alot but are comfortable):<br />
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<b><u>1. The low value worker:</u></b><br />
- Does only what is required of him/her<br />
- Very comfortable and not willing to do more<br />
- Will NOT lose an arm or limb for the company<br />
- Brings lesser value to a company as they may not be very good at their primary tasks or their job doesn't require skilled or niche labour. (anyone can do their work)<br />
<b><u><br /></u></b>
<b><u>2. The high value worker:</u></b><br />
- Will do beyond what they are required of<br />
- Willing to partake in challenges with the company<br />
- Will sometimes put company interests ahead of self (workaholics)<br />
- Bring more value to the company as they are good with their primary tasks but also able to offer a wider range of experience.<br />
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It is not surprising that with the waves of digitalisation, many PMETs find themselves retrenched. This is because they may earn alot and think they know alot, but fail to pre-empt and adapt to changes in this new economy. I would like to think that we ought to want to be the high value worker rather than the low value worker.<br />
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Doing more sometimes is the way to learn new things and discover that we can actually excel beyond our comfort zones. Without displaying that we are capable of much more and being comfortable in our roles, we cannot possibly hope for advancements in our careers.<br />
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Yup, I know. Some of us are thinking, work life balance, family and etc.<br />
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But this is where I feel we lose out to foreign talent (of our own excuses and choice to become comfortable) because they are far more hungry than us Singaporeans. If we were bosses ourselves, would we hire Singaporeans?<br />
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This is <i>the</i> thinking point. Having gained the exposure to overseas colleagues and organisations to see how they operate or work, I just don't see how Singaporeans can hope to win against the competition unless we buck up in our own attitudes and mindset. Are we just another 打工仔, and a low value one at that? The globalised world presents the sort of competitiveness not present in our parents' baby boomers era: someone from the other side of the globe can easily replace your work today either via outsourcing or totally come to Singapore to take over us.<br />
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I see how hard my current boss at his 50s work. I see how some people have moved into better roles (with more responsibilities) because they showed that they can do more. I also see people who are very comfortable with what they have, being okay to work 8-5 and go back to their families daily.<br />
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Don't get me wrong though, I think this is down to personal opinion and there is nothing right or wrong about being comfortable. Some are perfectly fine with it. But to me there is the danger of being retrenched later on because we don't see the danger until it is too late. (Having been through one is painful enough, even at age 30)<br />
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Moreover, if we think we <i>should</i> be paid more, are we delivering more value than what we are being paid for?<br />
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<b><span style="font-size: large;">Summary thoughts</span></b><br />
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I will want to work harder now that I am still <strike>single</strike> not married with family commitments. (Edit: someone reminded me I'm attached, so I should not put myself as single). 😂<br />
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As my young (early 40s) global division manager said, always be open and try things, even when we think we may not like them or think we couldn't do them - because we can simply be wrong about it and could end up liking it. He himself was asked to do something he didn't like but he excelled in it and the interest grew over time.<br />
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Keep an open and learning mind. Yes, that's what I would do. Be proactive. Do beyond what we are told to. Be hungry. Do what people tell you that you cannot do.<br />
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<i><span style="color: #b45f06;">p.s. I also watched a documentary on LV on my flight back which is very interesting as well. Which I will blog in another post on why I think we should try to move towards business side as an employee (below is a breakdown of LV's cost and margin)</span></i><br />
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<iframe allow="accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture" allowfullscreen="" frameborder="0" height="315" src="https://www.youtube.com/embed/S2WBCsWM8gM" width="560"></iframe><br />
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Until Next Time,<br />
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<span style="font-size: small;"><br /></span></div>
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<b><span style="color: red; font-size: x-large;">K.C.</span></b></div>
<div style="font-size: medium;">
<i>If you like this post, you might <a href="https://www.facebook.com/30yroldinvestor/">like our facebook page</a> as well. </i><i>I'm also on <a href="https://www.investingnote.com/users/kc_30#/?display=profile&user=kc_30&tab=latest">Investing Note</a>.</i></div>
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<span style="font-size: large;"><b>Related topics:</b><br />1. <a href="https://30yearoldinvestor.blogspot.com/p/about-me.html">About K.C. What is my story?</a><br />2. <a href="https://30yearoldinvestor.blogspot.com/2018/02/my-3c-money-investing-philosophy.html">My 3Cs to money/investing</a><br />3. <a href="https://30yearoldinvestor.blogspot.com/2018/07/if-you-spend-what-you-earn-you-need-to.html">Why you need to set aside money for savings first</a></span><br />
<span style="font-size: large;">4. </span><span style="font-size: large;"><a href="https://30yearoldinvestor.blogspot.com/2018/11/interview-process-cycle-how-to-increase.html">Interview process cycle: How to increase your interview rates</a></span><br />
<span style="font-size: large;">5. <a href="https://30yearoldinvestor.blogspot.com/2018/12/2018-year-end-review.html">My 2018 Year end review</a><br />6. </span><span style="font-size: large;"><a href="https://30yearoldinvestor.blogspot.com/2019/04/im-retrenched-3-things-to-think-about.html">I'm retrenched: 3 things to think about</a></span></div>
<span style="font-size: large;">7. <a href="https://30yearoldinvestor.blogspot.com/2019/08/budgeting-why-i-refuse-to-spend-30min.html">Why I refuse to spend >15-30 minutes budgeting each month</a></span><br />
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<i><span style="color: #cc0000;">Disclaimer: The views expressed, opinion and information in this article are strictly for informational purposes to encourage educational discussions only. It is important to conduct your own analysis before making any investment decisions based on your own personal circumstances. You should take reasonable measures such as seeking independent financial advice from professionals and/or independently research and verify the information that you find on "30 Year Old Investor" before undertaking any important investment decisions. No content on this site constitutes - or should be understood as constituting - a recommendation to enter any securities transactions or to engage in any of the investment strategies presented in our site content. We do not provide personalised recommendations or views as to whether a particular stock or investment approach is suitable to the financial needs of a specific individual. No representation or warranty expressed or implied is made as to, and no reliance shall be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained on this website. "30 Year Old Investor" shall not be liable whatsoever for loss or damages of any kind arising from the result of any use, reliance or distribution of the articles or its contents from information contained on this website. </span></i>30YearOldInvestorhttp://www.blogger.com/profile/18442456587123026225noreply@blogger.com4tag:blogger.com,1999:blog-7295314650616694802.post-25030995281821365642019-11-14T05:35:00.001-08:002019-11-14T05:35:41.863-08:00There are some things more important than money.. it is our lives.<i><span style="color: blue;">p.s. This past month has been busy for me, I was away on a business trip (my first!) and I did some buy/sell for my portfolio which I will post in a separate post.</span></i><br />
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Something happened today and I'm still feeling pretty stunned from it.<br />
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I'm a trained First Aider... That hasn't been called into action until today.<br />
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I panicked. There was nothing much I can do.<br />
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This was the only other time besides my dad's cancer that I truly felt death's sting was close by.<br />
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There was no visible wounds on the casualty (so it's probably internal). Luckily there were others around to help so I wasn't alone.<br />
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It would be good to keep calm.<br />
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It would be good to keep the casualty conscious as long as possible until help (ambulance & paramedics) arrive.<br />
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It would be good to find out vital information about the patient if possible: (Any recent medication, any existing condition, describe what happen and what help is administered) Pass on this information to the paramedics.<br />
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I pray and hope the casualty is fine.<br />
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I will be more prepared next time if I ever face such a situation again.<br />
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If there is anything more important than money, it is our very lives. Without it, no amount of money we ever make could exchange that. Take care of our health and bodies. Don't exchange all your time for money at the expense of your health.<br />
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Health is Wealth.<br />
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<span style="color: red;"><b>K.C.</b></span>30YearOldInvestorhttp://www.blogger.com/profile/18442456587123026225noreply@blogger.com0tag:blogger.com,1999:blog-7295314650616694802.post-88663337556814451102019-10-01T08:59:00.001-07:002019-10-01T09:07:18.222-07:00Couple Money Expectations: How do you and your spouse/partner match up?<div class="separator" style="clear: both; text-align: center;">
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Recently, <b><span style="color: red;">KC</span></b> went from singlehood into a new relationship and realised that my spending started to rise inevitably because of the dating phase and frequency of dates. (Maybe that's why I also have not blogged in a month due to less time! 😆) Maybe it was that I felt the need to impress my date. Maybe we ended up trying to use money to impress one another, showering each other with gifts, meals and etc.<br />
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Then, into the 3rd month of dating, she said: "Dear, when we go out to eat, can we don't eat too ex(pensive) food? I need to cut down my budget on spending."<br />
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In my heart I went "YESSSSS AHHHHHHH". A girlfriend/wife who know how to save money for you will make you rich 😆. I guess we have been trying to "calibrate" a baseline for spending and we found out we were both overspending compared to when we were single. Money perspective is actually a crucial topic given that<a href="https://www.insider.com/why-people-get-divorced-2019-1"> more than 36% of divorce cases in the US is due to financial reasons </a>(other leading causes being conflict, infidelity, commitment issues)<br />
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In our traditional Chinese culture, there is something called "三观" (3 Major perspectives towards life) and there is something called "三观不合”. (Incompatibility on 3 major perspectives) What are these 3 major perspectives?<br />
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<b><span style="color: blue; font-size: x-large;">三观 3 Major Perspectives</span></b><br />
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1. 人生观 (Outlook Towards Life): 人生观是人这辈子应该怎么活<br />
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How should we live our lives, what is the aim and attitudes we hold? How should one conduct their own personal lives such that life is meaningful? What are the things you and your spouse appreciate in life and what are you guys pursuing? What is the moral compass you live your life by? If you are your spouse's expectations towards life is too different, it inevitably affects communication because you will not be able to understand some of the decisions your spouse make and much less support them. A couple without an outlook that involves one another and see each other in their future is bound to fail.<br />
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2. 价值观 (Value system): 价值观是人这辈子什么才是最珍贵的</div>
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What is of value to you (in terms of people relationships, possessions, character values)? Monetary perspectives fall straight into this category. Why is money such a good yardstick to find out where our true loyalties and our vices are? <i><span style="color: red;"><b>This is because we often use money to exchange for something we feel is valuable in life.</b></span></i> If you are your spouse differ alot on money, the things you two value will be very different and this inevitably leads to differences down the road. The other things we consider in this may be relationships with other people (and therefore we spend time and effort on them). </div>
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3. 世界观 (Worldview): 一个人对整个世界的根本看法<br />
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An understanding of the intricate relationship of how we fit into a larger world and how the world came to be. Often, it can mean philosophical, religious, fundamental, existential ideas that are imparted to us and influence us depending on what cultures and upbringing we have been exposed to. </div>
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<span style="color: blue; font-size: large;"><b>It is okay to not match 100% with your spouse. </b></span></div>
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To me, money perspective, importance of Family and personal character (good temperament), and personal values are extremely important. However, it is unrealistic to expect that we are 100% match with our spouse. The best scenario we can have is someone who fits most of our own personal values without triggering any dealbreakers. (e.g. one dealbreaker is I cannot stand someone with bad temper who would scold their own parents unreasonably. Can I expect him/her to scold my parents in future? Another example could be a mismatch in money perspectives. I might be only looking to spend within means but he/she wants to spend and get the best out there, even if it might stretch finances)<br />
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<b><span style="color: blue; font-size: large;">What do we do if we are incompatible?</span></b></div>
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What do we do if we are supposedly incompatible? Instead of focusing on differences, <u><span style="color: red;">FOCUS ON COMMON GROUND</span></u>. Find out how each other think and appreciate where they are coming from instead of always insisting our own way. Communication is key in coming to a common ground and compromise sometimes.</div>
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How do you and your spouse manage your finances? Are there any major differences in how you approach money? How did you resolve them?<br />
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Given the high cost of living and starting a family in Singapore, this is a topic we have to face sooner rather than later.<br />
<br />
Until Next Time,<br />
<div style="font-size: 12.8px;">
<span style="font-size: small;"><br /></span></div>
<div style="font-size: 12.8px;">
<b><span style="color: red; font-size: x-large;">K.C.</span></b></div>
<div style="font-size: medium;">
<i>If you like this post, you might <a href="https://www.facebook.com/30yroldinvestor/">like our facebook page</a> as well. </i><i>I'm also on <a href="https://www.investingnote.com/users/kc_30#/?display=profile&user=kc_30&tab=latest">Investing Note</a>.</i></div>
<div style="font-size: medium;">
<br /></div>
<div style="font-size: medium;">
<span style="font-size: large;"><b>Related topics:</b><br />1. <a href="https://30yearoldinvestor.blogspot.com/p/about-me.html">About K.C. What is my story?</a><br />2. <a href="https://30yearoldinvestor.blogspot.com/2018/02/my-3c-money-investing-philosophy.html">My 3Cs to money/investing</a><br />3. <a href="https://30yearoldinvestor.blogspot.com/2018/07/if-you-spend-what-you-earn-you-need-to.html">Why you need to set aside money for savings first</a></span><br />
<span style="font-size: large;">4. </span><span style="font-size: large;"><a href="https://30yearoldinvestor.blogspot.com/2018/11/interview-process-cycle-how-to-increase.html">Interview process cycle: How to increase your interview rates</a></span><br />
<span style="font-size: large;">5. <a href="https://30yearoldinvestor.blogspot.com/2018/12/2018-year-end-review.html">My 2018 Year end review</a><br />6. </span><span style="font-size: large;"><a href="https://30yearoldinvestor.blogspot.com/2019/04/im-retrenched-3-things-to-think-about.html">I'm retrenched: 3 things to think about</a></span></div>
<span style="font-size: large;">7. <a href="https://30yearoldinvestor.blogspot.com/2019/08/budgeting-why-i-refuse-to-spend-30min.html">Why I refuse to spend >15-30 minutes budgeting each month</a></span><br />
<b style="color: blue; font-size: x-large;"></b><br />
<i><span style="color: #cc0000;">Disclaimer: The views expressed, opinion and information in this article are strictly for informational purposes to encourage educational discussions only. It is important to conduct your own analysis before making any investment decisions based on your own personal circumstances. You should take reasonable measures such as seeking independent financial advice from professionals and/or independently research and verify the information that you find on "30 Year Old Investor" before undertaking any important investment decisions. No content on this site constitutes - or should be understood as constituting - a recommendation to enter any securities transactions or to engage in any of the investment strategies presented in our site content. We do not provide personalised recommendations or views as to whether a particular stock or investment approach is suitable to the financial needs of a specific individual. No representation or warranty expressed or implied is made as to, and no reliance shall be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained on this website. "30 Year Old Investor" shall not be liable whatsoever for loss or damages of any kind arising from the result of any use, reliance or distribution of the articles or its contents from information contained on this website. </span></i></div>
</div>
30YearOldInvestorhttp://www.blogger.com/profile/18442456587123026225noreply@blogger.com0tag:blogger.com,1999:blog-7295314650616694802.post-42069600419432994822019-08-31T16:35:00.001-07:002019-11-30T05:52:00.601-08:00Invited by NTUC to a Retirement Adequacy/CPF Group Discussion<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgdWjVmUkAZjTVLjGD0n9LZJI1jDy6viST7HPxnx_pFCrWziMi7fcRe3NmZjOhLC45f4HL3YhoGG6cbJAVHcmyMndrDO6SJcg6BkYGpMB3U2aBdyN59l0rUjgA2LXKhC7vjbGL9bNKEQ-E/s1600/CPF+and+Retirement+adequacy.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="540" data-original-width="853" height="404" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgdWjVmUkAZjTVLjGD0n9LZJI1jDy6viST7HPxnx_pFCrWziMi7fcRe3NmZjOhLC45f4HL3YhoGG6cbJAVHcmyMndrDO6SJcg6BkYGpMB3U2aBdyN59l0rUjgA2LXKhC7vjbGL9bNKEQ-E/s640/CPF+and+Retirement+adequacy.PNG" width="640" /></a></div>
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<b><u><span style="color: red;">Update 1/9/2019:</span></u></b><br />
<br />
- It's now my 1.5 months in my new company and everything is stabilising so I have time to blog again!<br />
- I am now keeping net cash and not adding more positions at the moment but focusing on savings.<br />
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<span style="color: red;">KC</span> have had some feedback that he is quite "Lor-so" (<i>Slang</i> "Long-winded") and it is difficult to read for some readers. Going forward, <span style="color: red;">KC </span>will definitely try go as to point as possible and to explore telling visual stories through short comics or picture. Sorry this will still be a long article.<br />
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<b>TL;DR Summary</b><br />
<b><br /></b>1. Many Singaporeans probably do not have enough to retire. Whose responsibility is it?<br />
2. Retirement age and Re-employment age is increased as with CPF contributions for older workers to help to bridge that gap.<br />
3. The possible "backfires" to the policy changes: Unwilling employers and unwilling employees. How will the government convince them otherwise? We won't know the effects till years later.<br />
4. CPF's liberalisation over the years have allowed Singaporeans to enjoy some benefits at the cost of our retirement. (This has to be managed carefully)<br />
5. Stay away from money detriment habits!<br />
6. Personally, I feel that we ought to take ownership of our own financial plans, and not expect the handout from the government. Learn about the systems in place and how they can benefit us.<br />
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<span style="background-color: #fff2cc;">Hereby, I would like to ask and encourage fellow readers to contribute your comments/complaints/feedback/suggestions to the discussions. Who knows? Someone who has a say in policy making might be reading. (We hope)</span><br />
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Recently, because of this blog "<b><span style="color: red;">30yearoldinvestor</span></b>", I had the chance to take part in a small focus group organised by the NTUC on the topic of "CPF, retirement and re-employment ages". (Special thanks to <span style="font-size: x-large;"><b>J</b></span> from NTUC for inviting me).<br />
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I will just talk to myself about my own opinions. I think the talk essentially was trying to answer a question:<br />
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<b><span style="color: blue; font-size: large;">How much does a Singaporean need to retire adequately? (Consequently, is the Govt and CPF doing enough?)</span><br /><span style="color: red; font-size: x-small;">Note: This post represent solely my own opinions and are not affiliated to any organisations. Yea, it is <u>NOT</u> a sponsored post.</span></b><br />
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In the recent NDP rally, Our Prime Minister spoke of raising the retirement age and re-employment ages progressively from now till 2030. Firstly, I can imagine it to be quite an unpopular policy given the older folks and business owners I have spoken to. But the government seems quite positive about this so let's hope they are right. My foreigner boss actually credited our government for thinking so far ahead of time saying that usually governments only care about the next election.<br />
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<b><u>Definitions (if we still do not understand what it means for us):</u></b><br />
<u style="font-weight: bold;"><br /></u><b>1. Retirement age: </b><br />
Employers are not supposed to terminate us unfairly due to age below the retirement age. The minimum retirement age is 62. This will be raised to 65 by 2030.<br />
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<b>2. Re-employment age:</b><br />
While we are employed, employers must offer re-employment to eligible employees who are turning 62, up to age 67. This will also be raised to 70 by 2030.<br />
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<span style="font-size: x-small;">These are enforced under the [1] <a href="https://sso.agc.gov.sg/Act/RRA1993#pr7-">RETIREMENT AND RE-EMPLOYMENT ACT (CHAPTER 274A)</a> to protect our rights. For accuracy, please visit the site.</span><br />
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First of all, it will take some convincing for employers to continue to employ elderly workers (whose CPF contributions will now also be on par with the younger folks). This could translate into additional business costs for companies. Is there any incentive for business owners to align to this policy? (e.g. tax rebates etc for a % of elderly Singaporeans hired?)<br />
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEizjaGR8YeugFA_0SwnhtltxsDuqPKftY2Jf5Dp3VrrT_f7LWnl0lEXTcuBwCE4Vmjl-BJKZnfTCJ14v7AbmsYITFdPcevjN1ZhdVKWwAeZQ5jnOvgt2sKcZcuwgjIXELfiehAVxiV14Yk/s1600/ndr2019---retirement-age-and-cpf-infographic.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1600" data-original-width="1274" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEizjaGR8YeugFA_0SwnhtltxsDuqPKftY2Jf5Dp3VrrT_f7LWnl0lEXTcuBwCE4Vmjl-BJKZnfTCJ14v7AbmsYITFdPcevjN1ZhdVKWwAeZQ5jnOvgt2sKcZcuwgjIXELfiehAVxiV14Yk/s400/ndr2019---retirement-age-and-cpf-infographic.png" width="317" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Source: CNA NDR 2019: From retirement age to climate change, here are 9 things you need to know</td><td class="tr-caption"><br /></td><td class="tr-caption"></td></tr>
</tbody></table>
A few older folks I have spoke to also do not want to work until so old (In their words: Wa lau, work till die meh?). Many are working not because they want to but they have to to make ends meet. There is some disparity here from the narrative that older workers want to work longer.<br />
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Another pressing concern is that as an elderly, we may get retrenched in a better job prior to 62. Therefore many will not be holding jobs that make them eligible for re-employment.<br />
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This is perhaps better illustrated by this graph taken from the Report by MOM on the <span style="font-size: x-small;">[2]</span><a href="https://stats.mom.gov.sg/Pages/Labour-Force-In-Singapore-2017.aspx">Labour Force in Singapore 2017</a>:<br />
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<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEggFlXBHJa9f7xeDydDHpF-dBUZo96HBYsVhVolLXWejyQyIHVsuJnJFvDHjh31Mbp2wykoM0YoN3wOudyEzPc2AIiFgtHV-dhpt-9q87iTsUMdr92lPtGpC1NDXIyezud1B-ETcUig6yU/s1600/Tapering+off+elderly.PNG" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" data-original-height="611" data-original-width="1016" height="384" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEggFlXBHJa9f7xeDydDHpF-dBUZo96HBYsVhVolLXWejyQyIHVsuJnJFvDHjh31Mbp2wykoM0YoN3wOudyEzPc2AIiFgtHV-dhpt-9q87iTsUMdr92lPtGpC1NDXIyezud1B-ETcUig6yU/s640/Tapering+off+elderly.PNG" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">In 2017, the number of elderly (>60) employed rose to 14% from 6.1% in 2007. <br />
We somehow have to shift that curve towards the (rather exaggerated) brown one.</td></tr>
</tbody></table>
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The policy changes sounds good on paper (nice in theory), but time will tell if they really pan out as we imagined. Let's hope that it is not too late by then.<br />
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Now, this is where the other tool called CPF comes in.<br />
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<b style="color: #38761d; font-size: x-large;">So, What is CPF? Can eat one?</b><br />
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Since CPF was started in 1955 by the British and our first self-governance's Chief Minister David Marshall <span style="font-size: x-small;">[<a href="https://onlinelibrary.wiley.com/doi/full/10.1111/spol.12339">3</a>]</span>, it has become a much different instrument for Singaporeans. Our living standards have improved, but so has our cost of living. As such, many people start to feel that CPF may not be adequate for citizen's retirement needs.<br />
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In my understanding, CPF originally was only meant for catering to the retirement needs of old and aged Singaporeans through enforced savings but has since started to cater for a range of things. (we shall not go into specifics here but just to illustrate that it has evolved with time)<br />
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<span style="color: blue; font-size: large;"><b>4 major things we can now use CPF for:</b></span><br />
1. Public Housing since 1968 <span style="font-size: x-small;">[<a href="http://eresources.nlb.gov.sg/history/events/2ab696d3-d9f5-4970-9108-e0f95919cc98">4</a>]</span><br />
2. Healthcare needs: Medisave started in 1984 <span style="font-size: x-small;">[<a href="https://www.straitstimes.com/singapore/the-impeccable-logic-of-medisave">5</a>]</span><br />
3. Investing for higher returns in 1986 (later became CPFIS) <span style="font-size: x-small;">[6]</span><br />
4. Education for tertiary education (self/children) since 1989 <span style="font-size: x-small;">[7]</span><br />
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For full list of timeline changes to CPF, <a href="http://eresources.nlb.gov.sg/infopedia/articles/SIP_573_2005-01-05.html">refer to here</a>.<br />
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgsc0em-RU3UKi_wodoM677myEn1xZ7KEvac01JnMR3ZDJt2EX9dxAiQkCl3i8h05JfV1tdiWv7yPhXg6GVRCA6F237-yN-3-apb0AQDambI8IblOgZws9lm1yKLk_xswczewZeTQGJAXk/s1600/CPF+pig.PNG" imageanchor="1" style="clear: left; display: inline !important; margin-bottom: 1em; margin-left: auto; margin-right: auto; text-align: center;"><img border="0" data-original-height="334" data-original-width="560" height="380" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgsc0em-RU3UKi_wodoM677myEn1xZ7KEvac01JnMR3ZDJt2EX9dxAiQkCl3i8h05JfV1tdiWv7yPhXg6GVRCA6F237-yN-3-apb0AQDambI8IblOgZws9lm1yKLk_xswczewZeTQGJAXk/s640/CPF+pig.PNG" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Then and Now: I think we have already liberalised CPF's usage over the years to cover alot of things. </td></tr>
</tbody></table>
I think you get the point that CPF has changed already been changed to "GiveUsBack" our money over the years so that we can use it to enjoy certain benefits such as to tend to our housing needs, education and healthcare needs. But, there is a catch. Because ultimately it is still meant for retirement, funds "borrowed" will have to be <a href="https://dollarsandsense.sg/cpf-accrued-interest-homes-will-affect-retirement-planning/">returned in some way</a>...<br />
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<span style="color: blue; font-size: large;"><b>So, is CPF enough for our retirement?</b></span><br />
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Going by current trends, it would be a yes/no. It depends on our own expectations and what kind of living standard one wants to sustain. I would say, it will probably be a No for me. That is why I have started my own planning ahead of time. I would think that CPF is like an additional tool I must understand and put into my own planning as well since we can't get rid of it. Might as well understand how it works and how it can benefit us.<br />
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<span style="color: blue; font-size: large;"><b>What can the govt do to help us?</b></span><br />
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To be honest, after role-playing for about 30 minutes as the government in the discussion, I do think that it is not easy for the government to implement a one size fit all or be flexible in our arrangements to help everyone but also not to penalise someone for the mistakes of others so as to be fair (and therefore we become inflexible).<br />
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For example, assuming we become flexible for example to let someone take all their CPF out as per in the past. What do we do if these people spend all their money and come back to us? Would we then have no choice but to "punish" the people who managed their own money well to take care of those that did not? It would likely be unfair. I myself wouldn't want to be taxed unfairly to pay for someone who didn't plan for their retirement. Worse, if this is a social norm.<br />
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On a side note, I think the government must really take action in educating financial literacy in schools from young. Even at current tertiary education, we could start financial literacy modules that is compulsory for everyone. It can be a module that awards credits (but not graded, just pass/fail) as an incentive for students to take up. You might also want to host talks to engage the youths in universities about policies that are going to affect them.<br />
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<span style="color: blue; font-size: large;"><b>What can we do to help ourselves?</b></span><br />
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For me personally, I have seen first hand how Gambling destroys family. At max, I think if the ocassional TOTO draw comes to $8m, buying $10 is acceptable. For a comparison sake, my own <a href="https://30yearoldinvestor.blogspot.com/2018/03/my-mum-spends-600-month-on-gambling-and.html">mum is a hardcore 4D/TOTO gambler who spends $600-900 per month on it</a>. 😓<br />
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My general take is to STAY AWAY from savings detrimental habits such as excessive smoking, drinking and gambling. My smoker friends know that they spend a lot on cigarettes <span style="color: red;"><b>($14 x 30 x 12 = $5,040)</b></span> if we smoke one pack a day. But they cannot help it. It has become a habit. You can go on a good holiday with that, but let's save that money.<br />
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Cultivate money saving habits instead. Most people cannot invest because they do not save much at all. We all live in an age where the society tells us to enjoy life here and now, in the present. We crave instant gratification. But there is power in delayed gratification.<br />
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<span style="color: blue; font-size: large;"><b>How many of us will really plan for ourselves if CPF decides to give back our money today?</b></span><br />
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I am in a few investing chat groups and I would like to think that I belong to the more financial savvy group of people who actively plan ahead for our finances.<br />
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We would THINK that logically everyone would SAY they would plan their own. But, experience tells me that most wont take ACTION and DO.<br />
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In short, I do think that there are no quick fix to resolving retirement adequacy. Given a choice to depend on the government and leave it to doubt, I would rather take responsibility and ownership to ensure that I will have enough when my time comes (and incorporating CPF into that plan).<br />
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Until Next Time,<br />
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<span style="font-size: small;"><br /></span></div>
<div style="font-size: 12.8px;">
<b><span style="color: red; font-size: x-large;">K.C.</span></b></div>
<div style="font-size: medium;">
<i>If you like this post, you might <a href="https://www.facebook.com/30yroldinvestor/">like our facebook page</a> as well. </i><i>I'm also on <a href="https://www.investingnote.com/users/kc_30#/?display=profile&user=kc_30&tab=latest">Investing Note</a>.</i></div>
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<span style="font-size: large;"><b>Related topics:</b><br />1. <a href="https://30yearoldinvestor.blogspot.com/p/about-me.html">About K.C. What is my story?</a><br />2. <a href="https://30yearoldinvestor.blogspot.com/2018/02/my-3c-money-investing-philosophy.html">My 3Cs to money/investing</a><br />3. <a href="https://30yearoldinvestor.blogspot.com/2018/07/if-you-spend-what-you-earn-you-need-to.html">Why you need to set aside money for savings first</a></span><br />
<span style="font-size: large;">4. </span><span style="font-size: large;"><a href="https://30yearoldinvestor.blogspot.com/2018/11/interview-process-cycle-how-to-increase.html">Interview process cycle: How to increase your interview rates</a></span><br />
<span style="font-size: large;">5. <a href="https://30yearoldinvestor.blogspot.com/2018/12/2018-year-end-review.html">My 2018 Year end review</a><br />6. </span><span style="font-size: large;"><a href="https://30yearoldinvestor.blogspot.com/2019/04/im-retrenched-3-things-to-think-about.html">I'm retrenched: 3 things to think about</a></span></div>
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<b style="color: blue; font-size: x-large;"></b><br />
<i><span style="color: #cc0000;">Disclaimer: The views expressed, opinion and information in this article are strictly for informational purposes to encourage educational discussions only. It is important to conduct your own analysis before making any investment decisions based on your own personal circumstances. You should take reasonable measures such as seeking independent financial advice from professionals and/or independently research and verify the information that you find on "30 Year Old Investor" before undertaking any important investment decisions. No content on this site constitutes - or should be understood as constituting - a recommendation to enter any securities transactions or to engage in any of the investment strategies presented in our site content. We do not provide personalised recommendations or views as to whether a particular stock or investment approach is suitable to the financial needs of a specific individual. No representation or warranty expressed or implied is made as to, and no reliance shall be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained on this website. "30 Year Old Investor" shall not be liable whatsoever for loss or damages of any kind arising from the result of any use, reliance or distribution of the articles or its contents from information contained on this website. </span></i><br />
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<b><i>References:</i></b><br />
1.<a href="https://sso.agc.gov.sg/Act/RRA1993#pr7-"> RETIREMENT AND RE-EMPLOYMENT ACT</a> (CHAPTER 274A)<br />
2. <a href="https://stats.mom.gov.sg/Pages/Labour-Force-In-Singapore-2017.aspx">Labour Force in Singapore 2017</a> (2018, January 26)<br />
3. S.A Lee., J. Qian (2017) <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/spol.12339">The Evolving Singaporean Welfare State</a> <i>SOCIAL POLICY & ADMINISTRATION ISSN0144-5596 DOI: 10.1111/spol.12339 VOL. 51, NO. 6, November 2017, </i>916–939<br />
4.<a href="http://eresources.nlb.gov.sg/newspapers/Digitised/Article/straitstimes19640831-1.2.134.21"> A flat every 45 minutes.</a> (1964, August 31). <i>The Straits Times, p. 10. Retrieved from NewspaperSG.</i><br />
5. <a href="https://www.straitstimes.com/singapore/the-impeccable-logic-of-medisave">The impeccable logic of Medisave</a> (2015, August 9), <i>National Day Special 2015 | A toast to an improbable nation: 1984, The Straits Times</i><br />
6. Cheong, C. (2005).<span style="color: #333333; font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> </span><a href="http://eservice.nlb.gov.sg/item_holding.aspx?bid=12563207" style="box-sizing: border-box; color: #0094b7; font-family: arial, helvetica, sans-serif; font-size: small; outline: 0px;"><em style="box-sizing: border-box;">Saving for our retirement: 50 years of CPF</em></a><span style="color: #333333; font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">. </span>Singapore: SNP Editions, p. 152. (Call no.: RSING 368.40095957 CHE)<br />
7. Cheong, C. (2005).<span style="color: #333333; font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> </span><a href="http://eservice.nlb.gov.sg/item_holding.aspx?bid=12563207" style="box-sizing: border-box; color: #0094b7; font-family: arial, helvetica, sans-serif; font-size: small; outline: 0px;"><em style="box-sizing: border-box;">Saving for our retirement: 50 years of CPF</em></a><span style="color: #333333; font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">. </span>Singapore: SNP Editions, p. 153. (Call no.: RSING 368.40095957 CHE)30YearOldInvestorhttp://www.blogger.com/profile/18442456587123026225noreply@blogger.com7tag:blogger.com,1999:blog-7295314650616694802.post-40655644415316184792019-08-10T01:28:00.002-07:002019-09-23T10:14:50.914-07:00Budgeting: Why I refuse to spend >30min per month to track expenses<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXcIFdvWj1yj4d6GWthxBE45LRidItjCbRIatEVKRy24O4b5tLbuiJFtoE6A1qhkx5VhtyTYM0uq3F5j0BGcn7U8TkqmdLnR-MMD_fmVhBqRo4cKKrq1SAymMjnaJJoEexxFdoIzWaRk8/s1600/Budgeting+post+and+national+day.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="405" data-original-width="710" height="364" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXcIFdvWj1yj4d6GWthxBE45LRidItjCbRIatEVKRy24O4b5tLbuiJFtoE6A1qhkx5VhtyTYM0uq3F5j0BGcn7U8TkqmdLnR-MMD_fmVhBqRo4cKKrq1SAymMjnaJJoEexxFdoIzWaRk8/s640/Budgeting+post+and+national+day.PNG" width="640" /></a></div>
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<b><span style="color: #cc0000; font-size: medium;">Updated as of 23/9/2019:</span></b><br />
First of all, wishing all fellow Singaporeans and investors a Happy National Day and long weekend holidays!<br />
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This long weekend is a welcomed one for me as I am finally able to get some much needed rest and re-calibrate my own investing journey after embarking on a new employment. Now, one of the things I do every month during my payday (or the weekend of that week) is to do a quick budgeting for the next month.<br />
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<b><span style="color: #cc0000; font-size: large;">A Budgeting Problem: Tracking Expenses</span></b><br />
One question I constantly get from friends and readers is: How do you keep track of expenses?<br />
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I'm sure most of us have tried some form of tool for tracking expenses one way or another. But many of us give up because it becomes a very tedious thing to do. Just watch the picture below (you might have done something similar before):<br />
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgYrAASz1l5fkYRYcjn9gzEnpZWpnTX4Qu5j8qSn7GNeRDCX597UqRACenjTEZ1TbpF7J2J1wNAT4wm-lZUK3KIXWwYly_WUT2g0DbRRmEUaeTNUfFbfLSIto5H-i_r5BrHYqui3f0d8pk/s1600/expense+tracker+gif.gif" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="600" data-original-width="800" height="480" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgYrAASz1l5fkYRYcjn9gzEnpZWpnTX4Qu5j8qSn7GNeRDCX597UqRACenjTEZ1TbpF7J2J1wNAT4wm-lZUK3KIXWwYly_WUT2g0DbRRmEUaeTNUfFbfLSIto5H-i_r5BrHYqui3f0d8pk/s640/expense+tracker+gif.gif" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">What??? I have to key in every single expense... omg.</td></tr>
</tbody></table>
The animated GIF image speaks for itself why most expense trackers fail for me. As humans, we are creatures of habit and when you have a 1,001 transactions, such an expense tracker becomes far too tedious:<br />
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- You can miss out some transactions<br />
- You will forget some transactions if you do not key it in immediately<br />
- You have to religiously and be very disciplined to key in ALL your transactions.<br />
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This is humanly quite impossible to keep up for most people and this is why after a few days, weeks or months we will eventually give up tracking our expenses. Expense app trackers are NOT the best solution.<br />
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<span style="color: #cc0000; font-size: large;"><b>My Solution: Use a spreadsheet and copy+paste my Bank Transaction Statement each month. </b></span><br />
I encountered a lot of issues initially to budget well because I couldn't keep track of my expenses. Therefore I could not know how much I spend for each category of my expenses and there was no baseline or trending I can spot.<br />
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The problem led me to explore the fastest way I can keep track of my expenses and the solution was to simply copy my bank account statement for a specific timeframe (usually the period between each payday is used). This allows me to track my expenses and budget in a matter of less than 30 minutes typically.<br />
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A sample copy of my Budgeting/Saving Spreadsheet is available at this link (Make a copy):<br />
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<a href="https://docs.google.com/spreadsheets/d/1WqjlVN2dUlHYoulqqWJsTdrb7pi1BfcbwH0p4N5FJcI/edit#gid=1639349293">https://docs.google.com/spreadsheets/d/1WqjlVN2dUlHYoulqqWJsTdrb7pi1BfcbwH0p4N5FJcI/edit#gid=1639349293</a><br />
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<iframe height="600px" src="https://docs.google.com/spreadsheets/d/e/2PACX-1vRRwWpmI_QbH7VEL6mdIpZ9-vkHq7dSiOKX1d1HCrkieFpKcKiUXU2j4VxghuTUYCtFUBxpzu2iPxab/pubhtml?widget=true&headers=false" width="500px"></iframe><br />
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<b><span style="color: blue; font-size: large;">Step by step guide how to use the Spreadsheet:</span></b><br />
<b><span style="color: blue;">(UPDATED 23/9/2019) Detailed instructions is available on the Spreadsheet's ReadMe too.</span></b><br />
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<span style="background-color: yellow; font-size: large;"><b>STEP 0: </b><b>Make a copy of the spreadsheet</b></span><br />
Go to File -> select Make a copy (otherwise the file cannot be edited and will be "view only")<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOFuPTAotOjL5BLCjes-DdJiU5D8sxDHOk6Jbmk2D6-thDBjdonUcOFXa96uHgDEIIRWE7YSoI0ZBeJQ1IEOqXgYqI1uEZ0BHiQseqq-inX-_y5Z22KmjGTnBDpWkq_cBRPxBW-8IjY6U/s1600/make+a+copy.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="561" data-original-width="973" height="230" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOFuPTAotOjL5BLCjes-DdJiU5D8sxDHOk6Jbmk2D6-thDBjdonUcOFXa96uHgDEIIRWE7YSoI0ZBeJQ1IEOqXgYqI1uEZ0BHiQseqq-inX-_y5Z22KmjGTnBDpWkq_cBRPxBW-8IjY6U/s400/make+a+copy.png" width="400" /></a></div>
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<span style="color: red;"><i>This tool is designed to help you to quickly tabulate your monthly spending and allow you to budget your finances quickly (less than 30 minutes)</i></span><span style="white-space: pre;"> </span><br />
<span style="white-space: pre;"> </span><br />
<b>Note: </b>This Spreadsheet is designed to work on a POSB/DBS account. It is recommended you set up a separate account as a "spendings" account to keep track of expenses easily.<span style="white-space: pre;"> </span><br />
<span style="white-space: pre;"> </span><br />
<span style="background-color: yellow;"><b><span style="font-size: large;">STEP 1: Log onto your POSB/DBS account online.</span></b></span><span style="white-space: pre;"> </span><br />
<img src="data:image/png;base64,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" /><span style="white-space: pre;"> </span><br />
<span style="white-space: pre;"> </span><br />
<span style="background-color: yellow;"><span style="font-size: large;"><b>STEP 2: Go to your spending account and select the range of dates from your last payday to current payday.</b></span></span><span style="white-space: pre;"> </span><br />
<img 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" /><span style="white-space: pre;"> </span><br />
<span style="white-space: pre;"> </span><br />
<span style="background-color: yellow;"><b><span style="font-size: large;">STEP 3: DOWNLOAD THE TRANSACTION AS A CSV FILE BY CLICKING "DOWNLOAD"</span></b></span><span style="white-space: pre;"> </span><span style="white-space: pre;"> </span><br />
<img 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" /><span style="white-space: pre;"> </span><br />
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<span style="background-color: yellow;"><b><span style="font-size: large;">STEP 4: OPEN UP THE DOWNLOADED csv. FILE. IT WILL BE IN A SPECIFIC FORMAT. COPY PASTE ALL TRANSACTIONS OVER TO UPDATED SHEET</span></b></span><span style="white-space: pre;"> </span><br />
<img 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" /><span style="white-space: pre;"> </span><span style="white-space: pre;"> </span><br />
<span style="background-color: yellow;"><b><span style="font-size: large;">STEP 5: PASTE THE COPIED 8 ROWS OF DATA ONTO THE YELLOW BOX ON THE UPDATED SPREADSHEET.</span></b></span><br />
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<img 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" 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HAPPY BUDGETING!<span style="white-space: pre;"> </span>😁<span style="white-space: pre;"> </span><br />
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<b><span style="background-color: cyan; font-size: large;">Older method (Archived) - problem with merged cells but Step 5 onwards may still be helpful</span></b><br />
<b><span style="background-color: #d0e0e3; color: #666666;">1) Make a copy of the spreadsheet:</span></b><br />
<span style="background-color: #d0e0e3; color: #666666;">Go to File -> select Make a copy (otherwise the file cannot be edited and will be "view only")</span><br />
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<b><span style="background-color: #d0e0e3; color: #666666;">2) Go to your bank account (spending account) and select the timeframe</span></b><br />
<span style="background-color: #d0e0e3; color: #666666;">For me, I use a POSB account as my spending account. I will select the transaction history to give me all my transactions for the date range that I want. E.g. My pay day was on the 23rd every month so I select from every 23rd to the 22nd of this month.</span><br />
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<b><span style="background-color: #d0e0e3; color: #666666;">3) Copy out all transactions for the spending period</span></b><br />
<span style="background-color: #d0e0e3; color: #666666;">There may be more than one page so you have to copy all the pages' transactions to the spreadsheet.</span><br />
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<b><span style="background-color: #d0e0e3; color: #666666;">4) Paste the transactions on these columns in the spreadsheet</span></b><br />
<span style="background-color: #d0e0e3; color: #666666;">These columns have already been customised to mimic how it looks from the bank account. You will need to repeat step 3 and 4 for each page of the transaction history.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj30utyXCGZw7eMge7XKAAt7sdYwK_AcNLegadds_sR7l71xPGPt0TdQhKnq6ojl7H8g3sLkX3VIl_XhIWvfa4lFFYGIjL2xYvo-8BILbqdi3OkUQPCkcKNUNijjaFs09S0NxUz2jlsAh4/s1600/Transaction+history+3.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span style="background-color: #d0e0e3; color: #666666;"><img border="0" data-original-height="697" data-original-width="1195" height="232" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj30utyXCGZw7eMge7XKAAt7sdYwK_AcNLegadds_sR7l71xPGPt0TdQhKnq6ojl7H8g3sLkX3VIl_XhIWvfa4lFFYGIjL2xYvo-8BILbqdi3OkUQPCkcKNUNijjaFs09S0NxUz2jlsAh4/s400/Transaction+history+3.png" width="400" /></span></a></div>
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<b><span style="background-color: white;">5) Click "Sort A-Z" function to quickly re-arrange all transactions </span></b><br />
<span style="background-color: white;">This will usually group all similar merchants together by alphabetical order, making it easy for you to just simply tabulate them with a calculator on hand.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjhlvLcnrSFN0FgUuYuc6eegugKOYK_smtzKWxtTQ3xdMkCa1p5FX7lGTbi0LV5QzeFe4bJkXroIO5i58Ev4PCOrRS-FPJjKdnEd-6jmSDJknZMzpZ6pNxLiG9obQVqwWXYO7ya8obsiyg/s1600/Transaction+history+4.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span style="background-color: white; color: black;"><img border="0" data-original-height="837" data-original-width="1169" height="286" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjhlvLcnrSFN0FgUuYuc6eegugKOYK_smtzKWxtTQ3xdMkCa1p5FX7lGTbi0LV5QzeFe4bJkXroIO5i58Ev4PCOrRS-FPJjKdnEd-6jmSDJknZMzpZ6pNxLiG9obQVqwWXYO7ya8obsiyg/s400/Transaction+history+4.png" width="400" /></span></a></div>
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<b>6) Example set of transactions: Grab</b></span><br />
<span style="background-color: white;">The "Step 2" column is a column used for quick calculations using a simple excel formula. If you are not familiar with it, you may simply use a manual calculator or the windows calculator. After you taken note of the transaction, you can add them to the "Step 3" table in their respective categories. To return to default sorting, just click "sort by date". I usually colour code them to make a visual note that I have already processed the transaction amount so I can tell which ones have not been done.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjCb9aatb1E5k3Gq1-BrVGT9LIw6dm1jaU_XpcysAF5uaFWAXc_n5tC4Imiiq6UTWEhe3Sc_s2jkXqyml76GwhYIElTCGMxn7tCT90NHy9V98Jp3UxarByWg9lufveMK1UqsWh2VO4PMJc/s1600/Transaction+history+5.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span style="background-color: white; color: black;"><img border="0" data-original-height="704" data-original-width="1089" height="257" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjCb9aatb1E5k3Gq1-BrVGT9LIw6dm1jaU_XpcysAF5uaFWAXc_n5tC4Imiiq6UTWEhe3Sc_s2jkXqyml76GwhYIElTCGMxn7tCT90NHy9V98Jp3UxarByWg9lufveMK1UqsWh2VO4PMJc/s400/Transaction+history+5.png" width="400" /></span></a></div>
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<b>7) Example set of transactions to categories: Grab (2)</b></span><br />
<span style="background-color: white;">Key in the respective tabulated expenses into a few bulk categories. This will help you to establish a baseline spending you have incurred on each of the respective categories. Most of the instructions are intuitive and you can feel free to adapt the spreadsheet to your liking.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgDnyKzWm7Xz1HznAYFvcSTgFOezyUv6j9YI2um97IaVPxxoQAJP1dLPHvB9opnSRsOUUqmMb7tB4Kpo-ngcrvDiHrZOewfLQGFp2KwexpIph__b9b9PssnINud0G4sHhOGsep3l8tPwOc/s1600/Transaction+history+6.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span style="background-color: white; color: black;"><img border="0" data-original-height="653" data-original-width="1087" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgDnyKzWm7Xz1HznAYFvcSTgFOezyUv6j9YI2um97IaVPxxoQAJP1dLPHvB9opnSRsOUUqmMb7tB4Kpo-ngcrvDiHrZOewfLQGFp2KwexpIph__b9b9PssnINud0G4sHhOGsep3l8tPwOc/s400/Transaction+history+6.png" width="400" /></span></a></div>
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<i><b>*Edit 23/9/2019: It seems that now all transactions occupy 2 lines instead of 1 linelike the picture shows below. to get around this issue we need to unmerge all cells and delete the extra rows to be able to sort. </b></i></span><br />
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<b><i>In the example below, line 4 and 5 was under a singtel bill which took up 2 lines. the second row of line 5 needs to be unmerged and deleted. </i></b></span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgvBMCf48E6BhyFkC62PVirDK3w6UYdlCsUtfHt4UWVobsVRWVYdOfAY7yvZ2Jvbj6Idr9G7qs78V9d4maDAOWQaioxFvz_NGn97mLkq_5iMsSqQiQHcoKVzkAX0XjUV9dnffTaCojr7Sk/s1600/unmerge.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="416" data-original-width="876" height="188" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgvBMCf48E6BhyFkC62PVirDK3w6UYdlCsUtfHt4UWVobsVRWVYdOfAY7yvZ2Jvbj6Idr9G7qs78V9d4maDAOWQaioxFvz_NGn97mLkq_5iMsSqQiQHcoKVzkAX0XjUV9dnffTaCojr7Sk/s400/unmerge.png" width="400" /></a></div>
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<span style="color: blue; font-size: large;"><b>Make your life easier</b></span><br />
When you get familiar with this, you will never go back to the tedious expense trackers because it takes far less time to copy + paste all your transactions and simply tabulate them at the end of the month for a mere 30 minutes.<br />
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We might not be able to commit and be disciplined enough to make note of every single transaction but most of us can certainly spare 30 minutes in front of our computers on a weekend to tabulate our spending. Furthermore, as we are increasingly going cashless, this method becomes more efficient.<br />
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If you have any better methods to keep track of spending or budgeting, do share your personal tips with me and our fellow investors here! Feel free to use the spreadsheet and customise it to your liking. Do give me any feedback if you run into any issues or if this helps you in your savings/investing journey.<br />
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Okay. That's one article. See you next time!<br />
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Until Next Time,<br />
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<span style="font-size: small;"><br /></span></div>
<div style="font-size: 12.8px;">
<b><span style="color: red; font-size: x-large;">K.C.</span></b></div>
<div style="font-size: medium;">
<i>If you like this post, you might <a href="https://www.facebook.com/30yroldinvestor/">like our facebook page</a> as well. </i><i>I'm also on <a href="https://www.investingnote.com/users/kc_30#/?display=profile&user=kc_30&tab=latest">Investing Note</a>.</i></div>
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<span style="font-size: large;"><b>Related topics:</b><br />1. <a href="https://30yearoldinvestor.blogspot.com/p/about-me.html">About K.C. What is my story?</a><br />2. <a href="https://30yearoldinvestor.blogspot.com/2018/02/my-3c-money-investing-philosophy.html">My 3Cs to money/investing</a><br />3. <a href="https://30yearoldinvestor.blogspot.com/2018/07/if-you-spend-what-you-earn-you-need-to.html">Why you need to set aside money for savings first</a></span><br />
<span style="font-size: large;">4. </span><span style="font-size: large;"><a href="https://30yearoldinvestor.blogspot.com/2018/11/interview-process-cycle-how-to-increase.html">Interview process cycle: How to increase your interview rates</a></span><br />
<span style="font-size: large;">5. <a href="https://30yearoldinvestor.blogspot.com/2018/12/2018-year-end-review.html">My 2018 Year end review</a><br />6. </span><span style="font-size: large;"><a href="https://30yearoldinvestor.blogspot.com/2019/04/im-retrenched-3-things-to-think-about.html">I'm retrenched: 3 things to think about</a></span></div>
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<i><span style="color: #cc0000;">Disclaimer: The views expressed, opinion and information in this article are strictly for informational purposes to encourage educational discussions only. It is important to conduct your own analysis before making any investment decisions based on your own personal circumstances. You should take reasonable measures such as seeking independent financial advice from professionals and/or independently research and verify the information that you find on "30 Year Old Investor" before undertaking any important investment decisions. No content on this site constitutes - or should be understood as constituting - a recommendation to enter any securities transactions or to engage in any of the investment strategies presented in our site content. We do not provide personalised recommendations or views as to whether a particular stock or investment approach is suitable to the financial needs of a specific individual. No representation or warranty expressed or implied is made as to, and no reliance shall be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained on this website. "30 Year Old Investor" shall not be liable whatsoever for loss or damages of any kind arising from the result of any use, reliance or distribution of the articles or its contents from information contained on this website. </span></i>30YearOldInvestorhttp://www.blogger.com/profile/18442456587123026225noreply@blogger.com2tag:blogger.com,1999:blog-7295314650616694802.post-90582708504474217502019-07-27T12:23:00.001-07:002019-07-27T12:31:29.780-07:00Goal Setting: Why it matters in investing (and everything else)<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgrf1Zr8tNBgYiFb8yrHwTaPXEmrO3Wpr9xvQvm8nJ7qbyD82Q4Lvxw65hLedMFAcu_ZE1qeemHgLexlu9AxHXwgSD8P7YwPZ3D_4G9A1GehZMtSgZe_j3Gp_kN8yGZo4uurbuitjc6tM8/s1600/Goal+Setting.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="406" data-original-width="815" height="318" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgrf1Zr8tNBgYiFb8yrHwTaPXEmrO3Wpr9xvQvm8nJ7qbyD82Q4Lvxw65hLedMFAcu_ZE1qeemHgLexlu9AxHXwgSD8P7YwPZ3D_4G9A1GehZMtSgZe_j3Gp_kN8yGZo4uurbuitjc6tM8/s640/Goal+Setting.PNG" width="640" /></a></div>
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Goals. What determines those who achieve and those who don't?<br />
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Chances are you would have at least seen the<b><span style="font-size: x-large;"> </span><span style="color: red; font-size: large;">S.M.A.R.T</span></b> goals acronym being thrown around at different places such as work and in school. Why is goal setting such an important exercise during the course of our lives? We will examine more closely how it can apply to different areas of our lives, e.g. investing, healthy living, work/projects etc.<br />
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Time is a precious resource and unfortunately a limited one. Everyone will be demanding our time but we only have 24 hours a day. But we need more like 40 hours a day (a <span style="color: blue;">TwoSet Violin</span> reference, google them for some comic relief). We have to learn to say NO to some people asking us for our time and also need to focus on what is really important.<br />
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<b><span style="color: red; font-size: large;">S.M.A.R.T</span></b> goals exactly help to crystallise these.<br />
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<span style="color: #cc0000;"><b><span style="font-size: x-large;">A Season of Changes</span></b> </span><br />
(Background context to my need for re-setting my goals)<br />
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First of all, apologies to my regular readers for being late in updating my blog. I have been pre-occupied with a few changes in my life currently:<br />
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<b>1. Career/ Job Transition:</b><br />
I was <a href="https://30yearoldinvestor.blogspot.com/2019/06/retrenchment-and-25-pay-increase-that-i.html">previously retrenched</a> earlier this year, but I was lucky to secure a job within a short time frame. It was a blessing in disguise. In short, I got out of my comfort zone from my previous job and am now given a chance at a new company to learn and deliver the work handed to me. The job comes with some perks of its own, for example a free gym access which previously was unavailable/not so convenient to me. As such 2 Goals will likely arise from here. One would be to learn well and get up to speed in my current work. Second would be to get healthier, eat well and build some muscles in the gym.<br />
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<b>2. K.C. is now attached:</b><br />
As the header stated, I would need to start to set aside a separate fund for marriage and probably down payment for HDB. More research would likely help to put some realistic and meaningful numbers to the plan. Don't worry. K.C. also realised that he has not very consistent in posting... and so.....<br />
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<b>3. More focus on Investing and Blogging</b><br />
As I would need to focus on my work, I will unlikely be wanting to be distracted on doing any investments while during work hours. My new office is also a half-open concept, so it will be really tough and definitely not right to be doing any personal stuff during work hours. As such, any investment decisions I make would be made after work hours.<br />
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Also, I will commit to having at least 2 post per month on alternate weekends. I want to avoid having too many posts but also to achieve some consistency in posting more quality content. If there are any other interesting ideas to post about I will be posting them on the other 2 weekends. I am also currently having night classes on every Monday, Wednesday and Friday so time is really limited on my side.<br />
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<span style="color: #cc0000; font-size: x-large; font-weight: bold;">So, what is S.M.A.R.T goals?</span><span style="color: #cc0000;"> </span><br />
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There is some debate how this acronym came about. But when I first encountered it, I was a Junior College student and the person who introduced it to me was my General Paper (GP) teacher who encouraged me to read widely and arguably had a eye-opening effect on my critical thinking. I was exposed to many good reads and concepts at that point in time:<br />
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- The Clash of Civilizations by Immanuel Kant (Religion and cultural differences will be the major source of world conflict)<br />
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- Maslow's Hierarchy of Needs (There are different tiers to human needs, survival comes first)<br />
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- Friedrich Nietzsche, Beyond Good and Evil (God/religion is Dead!)<br />
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- How to win Friends and influence people by Dale Carnegie (Basically, how to genuinely build relationships and why those lead to successes in life)<br />
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- The Practice of Management by Peter Drucker (How to effectively understand the business world, and have effective management)<br />
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Particularly, SMART goals is attributed to Peter Drucker as a means of writing management's goals and objectives. The term SMART goals was first used in the Nov 1981 "Mangement Review" (George T. Doran).<br />
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Regular readers of this blog would have realised by now that Goal-Setting is a big thing and down to the very essence of this blog: this blog exists solely as a diary, a record for me to be accountable to <a href="https://30yearoldinvestor.blogspot.com/p/my-portfolio-update.html">my investment goals</a> (click link), and also life goals.<br />
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<u><b style="background-color: #fff2cc;"><span style="color: #cc0000; font-size: x-large;">S</span>pecific: target a specific area for improvement.</b></u><br />
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A Goal must be specific enough. You have to know what are your pain points in life. What are some areas of life that must improve (which would otherwise result in some pain down the road)? Management goals are very targeted and root cause analysis would help to pinpoint certain areas of a company that needs to improve: safety, time management, cooperation, listening, communication, organisational structure etc.<br />
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For personal areas, it can be health, career, relationships, money management, investing. If we don't feel a NEED to change, chances are the goals won't last. There must be some negative consequence attached to not being able to get the goal, or a positive result that would be the fruit of us attaining our goals. These would motivate us to go further.<br />
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For example, one of the main pinch points for me was approaching age 30 but still having a pathetic bank account statement. I recognised that I had to do something about it. As per my page "<a href="https://30yearoldinvestor.blogspot.com/p/about-me.html">About K.C.</a>"<br />
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<b style="background-color: white; color: #515151; font-family: "Droid Serif", sans-serif; font-size: 14px;"><span style="border: none; font-size: medium; margin: 0px; outline: none; padding: 0px;"><u>My Financial Goals are to:</u></span></b><br />
<span style="background-color: white; border: none; color: red; font-family: "droid serif" , sans-serif; font-size: medium; margin: 0px; outline: none; padding: 0px;">1. Ensure positive cash flow.</span><br />
<span style="background-color: white; border: none; color: red; font-family: "droid serif" , sans-serif; font-size: medium; margin: 0px; outline: none; padding: 0px;">2. Gain assets (stocks and reits) that generate passive income.</span><br />
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If possible, we can further break down into more specific details later on as much as possible.<br />
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<u><b style="background-color: #fff2cc;"><span style="color: #cc0000; font-size: x-large;">M</span>easurable: quantify or at least suggest an indicator of progress.</b></u><br />
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It is best to put some numbers as a benchmark or yardstick. For example, if we want to save money, we won't know how much is a good target without knowing how much as a % we spend of our salary and on what category of items. Similarly, we also need some numbers to grapple with especially in investing since the timeframe is so long and could span decades. How do we know we are still on track?<br />
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For example, I set a long term target charted out on Excel with specific projections (which can be reviewed as we move along)<br />
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<table border="1" cellpadding="0" cellspacing="0" dir="ltr" style="border-collapse: collapse; border: none; font-family: arial,sans,sans-serif; font-size: 10pt; table-layout: fixed; width: 0px;" xmlns="http://www.w3.org/1999/xhtml"><colgroup><col width="41"></col><col width="30"></col><col width="83"></col><col width="88"></col><col width="83"></col><col width="86"></col><col width="76"></col><col width="74"></col><col width="92"></col></colgroup><tbody>
<tr style="height: 21px;"><td colspan="3" data-sheets-value="{"1":2,"2":"PROJECTION"}" rowspan="1" style="border-color: rgb(0, 0, 0); font-size: 8pt; font-style: italic; font-weight: bold; overflow: hidden; padding: 2px 3px; vertical-align: bottom;">PROJECTION</td><td style="border-bottom-color: rgb(0, 0, 0); border-top-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); border-top-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td colspan="2" data-sheets-value="{"1":2,"2":"ACTUAL FIGURES"}" rowspan="1" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); border-top-color: rgb(0, 0, 0); font-size: 8pt; font-style: italic; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">ACTUAL FIGURES</td><td style="border-bottom-color: rgb(0, 0, 0); border-top-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-bottom-color: rgb(0, 0, 0); border-top-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":2,"2":"Year"}" style="border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Year</td><td data-sheets-value="{"1":2,"2":"Age"}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Age</td><td data-sheets-value="{"1":2,"2":"Portfolio\nProjected 2%/yr"}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Portfolio<br />
Projected 2%/yr</td><td data-sheets-value="{"1":2,"2":"Current capital \ninjection Rate/yr"}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Current capital <br />
injection Rate/yr</td><td data-sheets-value="{"1":2,"2":"Estimated\nDividend 3%"}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Estimated<br />
Dividend 3%</td><td data-sheets-value="{"1":2,"2":"Actual Portfolio \nat end of yr"}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Actual Portfolio <br />
at end of yr</td><td data-sheets-value="{"1":2,"2":"Actual Capital \nInjection/yr"}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Actual Capital <br />
Injection/yr</td><td data-sheets-value="{"1":2,"2":"Actual \nDividends"}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Actual <br />
Dividends</td><td data-sheets-value="{"1":2,"2":"Dividends carried \nover to portfolio"}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Dividends carried <br />
over to portfolio</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2018}" style="border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2018</td><td data-sheets-value="{"1":3,"3":31}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">31</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":360}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$360.00</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":15941.59}" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$15,941.59</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":16928.4}" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$16,928.40</td><td data-sheets-value="{"1":3,"3":513.25}" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">513.25</td><td data-sheets-value="{"1":3,"3":513.25}" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">513.25</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2019}" style="border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2019</td><td data-sheets-value="{"1":3,"3":32}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">32</td><td data-sheets-formula="=(1.02*R[-1]C[0])+R[-1]C[1]+R[-1]C[2]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":24600}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$24,600.00</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":738}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$738.00</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":2,"2":"$33,831.24 \n(till date)"}" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: red; font-family: arial; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$33,831.24 <br />
(till date)</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":2,"2":"$16,093.21\n(till date)"}" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: red; font-family: arial; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$16,093.21<br />
(till date)</td><td data-sheets-value="{"1":2,"2":"$355.45\n (till date)"}" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: red; font-family: arial; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$355.45<br />
(till date)</td><td style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2020}" style="border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2020</td><td data-sheets-value="{"1":3,"3":33}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">33</td><td data-sheets-formula="=(1.02*R[-1]C[0])+R[-1]C[1]+R[-1]C[2]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":37830}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$37,830.00</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":1134.8999999999999}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$1,134.90</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"></td><td style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td></tr>
</tbody></table>
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<table border="1" cellpadding="0" cellspacing="0" dir="ltr" style="border-collapse: collapse; border: none; font-family: arial,sans,sans-serif; font-size: 10pt; table-layout: fixed; width: 0px;" xmlns="http://www.w3.org/1999/xhtml"><colgroup><col width="41"></col><col width="30"></col><col width="83"></col><col width="88"></col><col width="83"></col><col width="86"></col><col width="76"></col><col width="74"></col><col width="92"></col></colgroup><tbody>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2048}" style="border-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2048</td><td data-sheets-value="{"1":3,"3":61}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); border-top-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">61</td><td data-sheets-formula="=(1.02*R[-1]C[0])+R[-1]C[1]+R[-1]C[2]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":849129.478537967}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); border-top-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$849,129.48</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); border-top-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":25473.88435613901}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); border-top-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$25,473.88</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); border-top-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); border-top-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); border-top-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); border-top-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td></tr>
<tr style="height: 21px;"><td style="border-bottom-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-bottom-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-bottom-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-bottom-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-bottom-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td></tr>
<tr style="height: 21px;"><td colspan="2" data-sheets-value="{"1":2,"2":"Total"}" rowspan="1" style="border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Total</td><td data-sheets-formula="=R[-2]C[0]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":849129.478537967}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$849,129.48</td><td data-sheets-formula="=sum(R[-32]C[0]:R[-2]C[0])" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":372000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$372,000.00</td><td data-sheets-formula="=sum(R[-32]C[0]:R[-2]C[0])" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":311751.5714789191}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$311,751.57</td><td style="overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td></tr>
</tbody></table>
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<b><u style="background-color: #fff2cc;"><span style="color: #cc0000; font-size: x-large;">A</span>ssignable: specify who will do it.</u></b><br />
<br />
There is no question that for personal goals, the person to do it will be us. Will you be REALLY doing the activities that will lead to your goals? We know ourselves best.<br />
<br />
<b><u style="background-color: #fff2cc;"><span style="color: #cc0000; font-size: x-large;">R</span>ealistic: state what results can realistically be achieved, given available resources.</u></b><br />
<br />
We can aim for the sky, but it likely will not be attainable and therefore is useless to us. It should also not be a too easily achievable goal but should give us a little stretch and a bit of challenge to get there.<br />
<br />
<b><u style="background-color: #fff2cc;"><span style="color: #cc0000; font-size: x-large;">T</span>imeframe: specify when the result(s) can be achieved.</u></b><br />
<br />
This is by far one of the more important components of SMART goals. If we do not set deadlines, things just never get done. We will lose focus and even lose track of our goals. Our goals will just keep get put off. I think Nas Daily does a better job at illustrating this point:<br />
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<iframe allow="accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture" allowfullscreen="" frameborder="0" height="315" src="https://www.youtube.com/embed/sooR5U2jntQ" width="560"></iframe></div>
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<span style="color: #cc0000; font-size: large;"><b>I have set my goals, have you set yours?</b></span><br />
(If these goals are not SMART enough on this blog post, I will redefine and go more specific later on)<br />
<br />
<b>1. Career/ Job Transition:</b><br />
<span style="color: blue;">My goal will be to be competent by 3 months and proficient by 6 months in my learning curve at my new job. There are 4 software and a technical library I have to be good at. I will want to be familiar with them by the 3rd month.</span><br />
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<span style="color: blue;">I also have a new goal to hit the gym twice a week. I will start baby steps to hit it once a week first.</span><br />
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<b>2. K.C. is now attached:</b><br />
<span style="color: blue;">K.C. will set up a separate fund for future family purpose (wedding, HDB). The amount to put in will be to be confirmed (TBC) since my new employment has jumbled up previous schedule of budgeting. Instead of 23rd each month, it will now be done on the 13th. </span><br />
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<b>3. More focus on Investing and Blogging</b><br />
<span style="color: blue;">K.C. will blog on the 2nd and 4th weekend of the month. Any additional posts will be posted on the 1st and 3rd week of the month. Meanwhile, I remain committed to finishing my night classes until March 2020.</span><br />
<span style="color: blue;"><br /></span>
I have set these down so that I will be accountable to myself, as well as my readers. There is no backing out now. If you have any resources on how much to prepare on getting married, how much to save for HDB, do share with me! Will be looking to tap on the experience of more experienced investors and friends :)<br />
<br />
Until Next Time,<br />
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<span style="font-size: small;"><br /></span></div>
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<b><span style="color: red; font-size: x-large;">K.C.</span></b></div>
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<i>If you like this post, you might <a href="https://www.facebook.com/30yroldinvestor/">like our facebook page</a> as well. </i><i>I'm also on <a href="https://www.investingnote.com/users/kc_30#/?display=profile&user=kc_30&tab=latest">Investing Note</a>.</i></div>
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<span style="font-size: large;"><b>Related topics:</b><br />1. <a href="https://30yearoldinvestor.blogspot.com/p/about-me.html">About K.C. What is my story?</a><br />2. <a href="https://30yearoldinvestor.blogspot.com/2018/02/my-3c-money-investing-philosophy.html">My 3Cs to money/investing</a><br />3. <a href="https://30yearoldinvestor.blogspot.com/2018/07/if-you-spend-what-you-earn-you-need-to.html">Why you need to set aside money for savings first</a></span><br />
<span style="font-size: large;">4. </span><span style="font-size: large;"><a href="https://30yearoldinvestor.blogspot.com/2018/11/interview-process-cycle-how-to-increase.html">Interview process cycle: How to increase your interview rates</a></span><br />
<span style="font-size: large;">5. <a href="https://30yearoldinvestor.blogspot.com/2018/12/2018-year-end-review.html">My 2018 Year end review</a><br />6. </span><span style="font-size: large;"><a href="https://30yearoldinvestor.blogspot.com/2019/04/im-retrenched-3-things-to-think-about.html">I'm retrenched: 3 things to think about</a></span></div>
<br />
<b style="color: blue; font-size: x-large;"></b><br />
<i><span style="color: #cc0000;">Disclaimer: The views expressed, opinion and information in this article are strictly for informational purposes to encourage educational discussions only. It is important to conduct your own analysis before making any investment decisions based on your own personal circumstances. You should take reasonable measures such as seeking independent financial advice from professionals and/or independently research and verify the information that you find on "30 Year Old Investor" before undertaking any important investment decisions. No content on this site constitutes - or should be understood as constituting - a recommendation to enter any securities transactions or to engage in any of the investment strategies presented in our site content. We do not provide personalised recommendations or views as to whether a particular stock or investment approach is suitable to the financial needs of a specific individual. No representation or warranty expressed or implied is made as to, and no reliance shall be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained on this website. "30 Year Old Investor" shall not be liable whatsoever for loss or damages of any kind arising from the result of any use, reliance or distribution of the articles or its contents from information contained on this website. </span></i>30YearOldInvestorhttp://www.blogger.com/profile/18442456587123026225noreply@blogger.com6tag:blogger.com,1999:blog-7295314650616694802.post-84485509423735625542019-06-29T02:39:00.001-07:002019-07-12T20:55:51.955-07:00Retrenchment and the 25% pay increase that I did not ask for<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjXvfGULPoOPMdUL9-UD6_VtlXxX11Lfn4eAcdP84GsG0jNc5NZ185CLxUKQr51lKvzYcMl4Msc6XurJttVC2DBuC8otvPCUAgr0OeCZrRnRlWq3vzAp3dkB7878cSh20hRMzCDhJtgSZo/s1600/25+raise+i+did+not+ask+for.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="378" data-original-width="639" height="378" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjXvfGULPoOPMdUL9-UD6_VtlXxX11Lfn4eAcdP84GsG0jNc5NZ185CLxUKQr51lKvzYcMl4Msc6XurJttVC2DBuC8otvPCUAgr0OeCZrRnRlWq3vzAp3dkB7878cSh20hRMzCDhJtgSZo/s640/25+raise+i+did+not+ask+for.PNG" width="640" /></a></div>
<br />
<br />
I have finally confirmed that I secured new employment and by a fantastic twist of events, I got into a better situation than before. Thank God for opening doors when one was being closed. In short, I received a tidy sum of severance while my annual package increased by 25% (probably because I'm underpaid at current employment, but I won't complain)<br />
<br />
It took me 84 days before I secured the offer that I wanted. In total, I sent out a fair bit of applications to which I landed 4 interviews and had 3 offers. I also met a few very nice potential future employers. One of them even held the position open for me for a while despite me rejecting them because I made a pretty strong impression with the boss.<br />
<br />
<span style="color: blue;">For tips on interviews/career planning, refer to my previous posts:</span><br />
<a href="https://30yearoldinvestor.blogspot.com/2018/11/interview-process-cycle-how-to-increase.html">Interview process cycle: How to increase your interview rates</a><br />
<a href="https://30yearoldinvestor.blogspot.com/2019/03/investing-in-our-career-taking-care-of.html">Investing in our Career (Taking care of the goose)</a> (Constantly upgrade while making plan Bs)<br />
<a href="https://30yearoldinvestor.blogspot.com/2019/05/why-we-should-keep-our-resume-updated.html">Why we should keep our Resume updated, always.</a> (And dealing with interview preparation)<br />
<br />
<b><u><span style="font-size: large;">84 days Job Hunt Timeline</span></u></b><br />
3rd April - <a href="https://30yearoldinvestor.blogspot.com/2019/04/im-retrenched-3-things-to-think-about.html">Announcement of retrenchment of my department</a> (Blogged 9/4/2019)<br />
17th April - Attended 1st interview in 1.5 years and screwed it up so bad they didn't contact me<br />
23rd April - Attended 2nd interview (Part sales/Technical role) <span style="color: red;">Offered but rejected</span><br />
6th May - Attended 3rd interview (Business Support/Technical role) <span style="color: #38761d;">Eventually accepted</span><br />
31st May - 4th Interview pre- video interview<span style="color: #38761d;"><br /></span>7th June - Attended 4th Interview (Lab Exec role with School) <span style="color: red;">Offered but rejected</span><br />
<br />
As can be seen, my interview hit-rate is not very good. It is about 1 interview every 21 days or almost 1 on average per month. According to Jobstreet, my total applications was 39. I went for quality instead of quantity in doing and sending out one or two tailored good resume/cover letter per day. I also applied a few through other platforms but not much. One of the interviews that came was from being contacted by a headhunter from LinkedIn (which would become my eventual job). There were also other recruiters that contacted me but it did not materialise into anything.<br />
<br />
<b><u><span style="font-size: large;">Breakdown of numbers:</span></u></b><br />
Assuming 45 applications made,<br />
Returns rate of interviews for applications made = 4 / 45 = 8.9%<br />
Offer rate = 3/4 x 8.9% = 6.7%<br />
<br />
From experience, the success rate based on the number of good applications made is around 5%. Alot of it was down to luck and opportunity to secure a ticket to interview. The main difficulty encountered was that my current company bogged down my job hunt with job responsibilities that I was obligated to complete. There were pros and cons to this (allowed me to look for another job while still getting paid until June 30). I was prepared to continue this numbers game if I had no offer on the table until eventually I exhausted all options. Thankfully it did not come to that.<br />
<br />
<br />
<b><u><span style="font-size: large;">Interesting Interview Experiences:</span></u></b><br />
My first interview in 1.5 years was a total disaster. On the back drop of being retrenched, desperation, fear and unpreparedness caught me off guard. I was even ridiculed by the interviewer for even "daring to apply for their position". In the end, I said a few wrong things and gave a pretty bad impression. It is actually very normal to screw up your first interview in a while. I was sad and frustrated for a day or two over my performance but quickly moved on from it.<br />
<br />
The second interview was a pretty memorable one. I guess I will let a screen shot with the recruiter in charge do the talking.<br />
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjUF52cAaXd4jesRwXhJaCGOrU3LQnLnUUwybbDjTvxcxCekHWGT5YO6E-XiKyGFHI1bIpwqOTSH_XJcDCvTT-h9l5x1CGXF8Xvf3TrPNCUjJ7GLJaNGKwA8D9KT8vnc5GGEKxqVSqf8Ig/s1600/WhatsApp+Image+2019-06-29+at+5.13.28+PM.jpeg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1600" data-original-width="739" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjUF52cAaXd4jesRwXhJaCGOrU3LQnLnUUwybbDjTvxcxCekHWGT5YO6E-XiKyGFHI1bIpwqOTSH_XJcDCvTT-h9l5x1CGXF8Xvf3TrPNCUjJ7GLJaNGKwA8D9KT8vnc5GGEKxqVSqf8Ig/s640/WhatsApp+Image+2019-06-29+at+5.13.28+PM.jpeg" width="292" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">An offer from a reputable company listed in Singapore</td></tr>
</tbody></table>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
After 2 years of Insurance, 2 years as a Lab analyst and now almost 1.5 years as a Chemist, I have developed quite a keen business sense despite being in the Technical side of things. As a testament and vote of confidence for my interview/rapport skills, the HR at this company also mentioned that :"Past candidates usually only get 15 - 20 minutes but you are the first that managed to chat with the Boss for 1 hour plus." I managed to add this Boss to my connections of friends after this as well.<br />
<br />
I do think that getting relaxed and being oneself helps one to outperform during interviews (assuming you crunched the interview questions and internalised them). My third interview and fourth ones went pretty well as I looked to be comfortable and display a positive attitude to learn. In actual fact, I "failed" my third interview for the position I was being interviewed for. However, I made sure I had made a strong impression and they offered me an alternative role which was lower but had the opportunity to learn new things. This became my eventual offer that I took up (I left the headhunter to negotiate my package while giving a lowest amount I was prepared to take. They offered me better and the rest was history)<br />
<br />
The fourth one was pretty straightforward. It also matched the offer from the third interview in terms of remuneration but it was likely to be a stagnant job going forward.<br />
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<b><u><span style="font-size: large;">Final thoughts</span></u></b><br />
Overall, retrenchment could have ended badly. But it didn't, and it doesn't have to. Perhaps I am still young. Perhaps being positive and taking action helped create my own luck. But perhaps there will be a time in future when I get older and retrenchment might be more fatal.<br />
<br />
But hey, that's why we are planning early to invest and hopefully be self-sufficient one day. Last but not least, I'M BACK. And I can start looking at investments once again.<br />
<br />
If you are looking for a job, don't give up. It is a numbers game.<br />
<br />
Until Next Time,<br />
<div style="font-size: 12.8px;">
<span style="font-size: small;"><br /></span></div>
<div style="font-size: 12.8px;">
<b><span style="color: red; font-size: x-large;">K.C.</span></b></div>
<div style="font-size: medium;">
<i>If you like this post, you might <a href="https://www.facebook.com/30yroldinvestor/">like our facebook page</a> as well. </i><i>I'm also on <a href="https://www.investingnote.com/users/kc_30#/?display=profile&user=kc_30&tab=latest">Investing Note</a>.</i></div>
<div style="font-size: medium;">
<br /></div>
<div style="font-size: medium;">
<span style="font-size: large;"><b>Related topics:</b><br />1. <a href="https://30yearoldinvestor.blogspot.com/p/about-me.html">About K.C. What is my story?</a><br />2. <a href="https://30yearoldinvestor.blogspot.com/2018/02/my-3c-money-investing-philosophy.html">My 3Cs to money/investing</a><br />3. <a href="https://30yearoldinvestor.blogspot.com/2018/07/if-you-spend-what-you-earn-you-need-to.html">Why you need to set aside money for savings first</a></span><br />
<span style="font-size: large;">4. </span><span style="font-size: large;"><a href="https://30yearoldinvestor.blogspot.com/2018/11/interview-process-cycle-how-to-increase.html">Interview process cycle: How to increase your interview rates</a></span><br />
<span style="font-size: large;">5. <a href="https://30yearoldinvestor.blogspot.com/2018/12/2018-year-end-review.html">My 2018 Year end review</a><br />6. </span><span style="font-size: large;"><a href="https://30yearoldinvestor.blogspot.com/2019/04/im-retrenched-3-things-to-think-about.html">I'm retrenched: 3 things to think about</a></span></div>
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<b style="color: blue; font-size: x-large;"></b><br />
<i><span style="color: #cc0000;">Disclaimer: The views expressed, opinion and information in this article are strictly for informational purposes to encourage educational discussions only. It is important to conduct your own analysis before making any investment decisions based on your own personal circumstances. You should take reasonable measures such as seeking independent financial advice from professionals and/or independently research and verify the information that you find on "30 Year Old Investor" before undertaking any important investment decisions. No content on this site constitutes - or should be understood as constituting - a recommendation to enter any securities transactions or to engage in any of the investment strategies presented in our site content. We do not provide personalised recommendations or views as to whether a particular stock or investment approach is suitable to the financial needs of a specific individual. No representation or warranty expressed or implied is made as to, and no reliance shall be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained on this website. "30 Year Old Investor" shall not be liable whatsoever for loss or damages of any kind arising from the result of any use, reliance or distribution of the articles or its contents from information contained on this website. </span></i>30YearOldInvestorhttp://www.blogger.com/profile/18442456587123026225noreply@blogger.com12tag:blogger.com,1999:blog-7295314650616694802.post-70959209069991681542019-06-09T04:31:00.003-07:002019-06-09T09:27:25.287-07:00June 2019 mid-year review: Lessons in my journey so far<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiWDCh0StvrdQRIAoyS1dMiDlJi4mBcSS_zoYSE9KXUofcB1sGruP-gICMAUyNMOhgoX5hu4NrMgM5Gg0CTVmdFB9GFmkML9vq8q1SQAO196PiYofaFl2NwJU9uOiMtMw5t5GCiKHOEqoQ/s1600/Mid+year+Review.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="415" data-original-width="808" height="328" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiWDCh0StvrdQRIAoyS1dMiDlJi4mBcSS_zoYSE9KXUofcB1sGruP-gICMAUyNMOhgoX5hu4NrMgM5Gg0CTVmdFB9GFmkML9vq8q1SQAO196PiYofaFl2NwJU9uOiMtMw5t5GCiKHOEqoQ/s640/Mid+year+Review.PNG" width="640" /></a></div>
<br />
<br />
I started this investment journey with $1467.37 almost 1 Year, 3 Months and 21 days counting. As they always say, expect the unexpected.<br />
<br />
<b><span style="color: blue; font-size: large;">Learn to Count Your Blessings</span></b><br />
Recently, I have learnt to count my blessings and try to be more thankful despite my circumstances. Readers who have been following my blog would probably know that I recently have been informed of <a href="https://30yearoldinvestor.blogspot.com/2019/04/im-retrenched-3-things-to-think-about.html">my retrenchment back in April</a>.<br />
<br />
Initially I was feeling under the weather but as I calmed down in my search for new employment, I realised that this "disaster" could turn out to be a blessing in disguise. How so?<br />
<br />
Firstly, I was getting complacent at my current role. It is a 8-5 role where I can get to leave on the dot. And it pays a rather decent and stable salary. But, there was no opening for opportunities for promotion not any pay raise.<br />
<br />
With this retrenchment exercise, I not only had a legitimate reason to go for job hunting (for a pay increase, hurray!) and I also will be entitled to receive a small tidy sum of severance payment from my current employment. I am currently waiting 2 offers which I am told I will receive by 3rd week of June. I will explore my options and the career pathways it leads before making my choice.<br />
<br />
If all goes well, retrenchment might have been the<span style="color: magenta;"> <i><b>BEST</b></i></span> thing that happened to me this year. I am so looking forward to securing a better job with career advancement prospects and also a better pay package.<br />
<br />
I guess as they say, good or bad, hard to say. After all, it gave me a big kick in the butt for being complacent and got me off my comfort zone to be more intentional in my career path planning and also to being actively upgrading skills and updating resumes.<br />
<br />
<span style="color: blue; font-size: large;"><b>Portfolio Projection Review</b></span><br />
<br />
As listed on my <a href="https://30yearoldinvestor.blogspot.com/p/my-portfolio-update.html">Portfolio Update page</a>, my yearly target for this year is to hit $24,600 in portfolio value. I have not added much positions and purely relied on savings and so far I have hit $23,130.92. It seems that my goal setting is a little too easy to achieve and I will need to review my target amount at the end of the year.<br />
<br />
I'm still on schedule to hit my goals for this year. Given the severance, I will be well over my target but this would likely be a one-off and unrepeatable.<br />
<br />
<b><u>Based on projections:</u></b><br />
- Assuming I manage to save only $1,000 per month, <span style="color: red;">(I should save more per month!)</span><br />
- With no salary growth whatsoever<br />
- Portfolio has to gain overall 6% per year<br />
- Dividends reinvested<br />
- Retiring for $2k/month (expected to reach by age 60) <br />
<span style="color: red;">(I will likely need to re-adjust this as seasoned readers and investors have told me this is likely too low a target to live/survive on)</span><br />
<br />
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<b><span style="border: none; color: red; font-size: large; margin: 0px; outline: none; padding: 0px;">Projections </span><span style="border: none; margin: 0px; outline: none; padding: 0px;"><span style="color: red;">(as of 9/6/2019)</span></span><span style="border: none; color: red; font-size: large; margin: 0px; outline: none; padding: 0px;">:</span></b></div>
<div style="background-color: white; font-family: "Droid Serif", sans-serif;">
<span style="color: red; font-size: large;"><b><br /></b></span></div>
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<style type="text/css"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--></style><br />
<table border="1" cellpadding="0" cellspacing="0" dir="ltr" style="border-collapse: collapse; border: none; font-family: arial,sans,sans-serif; font-size: 10pt; table-layout: fixed; width: 0px;" xmlns="http://www.w3.org/1999/xhtml"><colgroup><col width="41"></col><col width="30"></col><col width="83"></col><col width="88"></col><col width="83"></col><col width="86"></col><col width="76"></col><col width="74"></col></colgroup><tbody>
<tr style="height: 21px;"><td colspan="4" data-sheets-value="{"1":2,"2":"Road to Financial Independence"}" rowspan="1" style="border-bottom-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; vertical-align: bottom;">Road to Financial Independence</td><td style="border-bottom-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-bottom-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-bottom-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-bottom-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td></tr>
<tr style="height: 21px;"><td colspan="3" data-sheets-value="{"1":2,"2":"PROJECTION"}" rowspan="1" style="border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-style: italic; font-weight: bold; overflow: hidden; padding: 2px 3px; vertical-align: bottom;">PROJECTION</td><td style="border-bottom-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td colspan="2" data-sheets-value="{"1":2,"2":"ACTUAL FIGURES"}" rowspan="1" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-style: italic; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">ACTUAL FIGURES</td><td style="border-bottom-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":2,"2":"Year"}" style="border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Year</td><td data-sheets-value="{"1":2,"2":"Age"}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Age</td><td data-sheets-value="{"1":2,"2":"Portfolio\nProjected 2%/yr"}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Portfolio<br />
Projected 2%/yr</td><td data-sheets-value="{"1":2,"2":"Current capital \ninjection Rate/yr"}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Current capital <br />
injection Rate/yr</td><td data-sheets-value="{"1":2,"2":"Estimated\nDividend 3%"}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Estimated<br />
Dividend 3%</td><td data-sheets-value="{"1":2,"2":"Actual Portfolio \nat end of yr"}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Actual Portfolio <br />
at end of yr</td><td data-sheets-value="{"1":2,"2":"Actual Capital \nInjection/yr"}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Actual Capital <br />
Injection/yr</td><td data-sheets-value="{"1":2,"2":"Actual \nDividends"}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Actual <br />
Dividends</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2018}" style="border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2018</td><td data-sheets-value="{"1":3,"3":31}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">31</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":360}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$360.00</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":15941.59}" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$15,941.59</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":16928.4}" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$16,928.40</td><td data-sheets-value="{"1":3,"3":513.25}" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">513.25</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2019}" style="border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2019</td><td data-sheets-value="{"1":3,"3":32}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">32</td><td data-sheets-formula="=(1.02*R[-1]C[0])+R[-1]C[1]+R[-1]C[2]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":24600}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$24,600.00</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":738}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$738.00</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":2,"2":"$23,130.92 \n(till date)"}" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: red; font-family: arial; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$23,130.92 <br />
(till date)</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":2,"2":"$5388.4 \n(till date)"}" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: red; font-family: arial; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$5388.4 <br />
(till date)</td><td data-sheets-value="{"1":2,"2":"$325.45\n (till date)"}" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: red; font-family: arial; font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$325.45<br />
(till date)</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2020}" style="border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2020</td><td data-sheets-value="{"1":3,"3":33}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">33</td><td data-sheets-formula="=(1.02*R[-1]C[0])+R[-1]C[1]+R[-1]C[2]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":37830}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$37,830.00</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":1134.8999999999999}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$1,134.90</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"></td><td style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2021}" style="border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2021</td><td data-sheets-value="{"1":3,"3":34}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">34</td><td data-sheets-formula="=(1.02*R[-1]C[0])+R[-1]C[1]+R[-1]C[2]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":51721.5}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$51,721.50</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":1551.645}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$1,551.65</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"></td><td style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2022}" style="border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2022</td><td data-sheets-value="{"1":3,"3":35}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">35</td><td data-sheets-formula="=(1.02*R[-1]C[0])+R[-1]C[1]+R[-1]C[2]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":66307.575}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$66,307.58</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":1989.22725}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$1,989.23</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"></td><td style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td></tr>
</tbody></table>
<span style="font-family: "times new roman";"><br /><i>(cut short, for full projection, see the portfolio update)</i></span><br />
<style type="text/css"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--></style><br />
<table border="1" cellpadding="0" cellspacing="0" dir="ltr" style="border-collapse: collapse; border: none; font-family: arial,sans,sans-serif; font-size: 10pt; table-layout: fixed; width: 0px;" xmlns="http://www.w3.org/1999/xhtml"><colgroup><col width="41"></col><col width="30"></col><col width="83"></col><col width="88"></col><col width="83"></col><col width="86"></col><col width="76"></col><col width="74"></col></colgroup><tbody>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2046}" style="border-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2046</td><td data-sheets-value="{"1":3,"3":59}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); border-top-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">59</td><td data-sheets-formula="=(1.02*R[-1]C[0])+R[-1]C[1]+R[-1]C[2]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":747872.5428915799}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); border-top-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$747,872.54</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); border-top-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":22436.176286747395}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); border-top-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$22,436.18</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); border-top-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); border-top-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); border-top-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2047}" style="border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2047</td><td data-sheets-value="{"1":3,"3":60}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">60</td><td data-sheets-formula="=(1.02*R[-1]C[0])+R[-1]C[1]+R[-1]C[2]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":797266.170036159}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$797,266.17</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":23917.98510108477}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$23,917.99</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2048}" style="border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2048</td><td data-sheets-value="{"1":3,"3":61}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">61</td><td data-sheets-formula="=(1.02*R[-1]C[0])+R[-1]C[1]+R[-1]C[2]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":849129.478537967}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$849,129.48</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-formula="=3/100*R[0]C[-2]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":25473.88435613901}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$25,473.88</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="background-color: #ccffff; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td></tr>
<tr style="height: 21px;"><td style="border-bottom-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-bottom-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-bottom-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-bottom-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-bottom-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td></tr>
<tr style="height: 21px;"><td colspan="2" data-sheets-value="{"1":2,"2":"Total"}" rowspan="1" style="border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Total</td><td data-sheets-formula="=R[-2]C[0]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":849129.478537967}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$849,129.48</td><td data-sheets-formula="=sum(R[-32]C[0]:R[-2]C[0])" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":372000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$372,000.00</td><td data-sheets-formula="=sum(R[-32]C[0]:R[-2]C[0])" data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":311751.5714789191}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$311,751.57</td><td style="overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td></tr>
</tbody></table>
</div>
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<b style="color: blue; font-size: x-large;">Portfolio Holdings so far: </b><br />
<b style="color: blue; font-size: x-large;"></b><b style="color: blue; font-size: x-large;"><br /></b><style type="text/css"><!--br {mso-data-placement:same-cell;}--></style>
<b style="color: blue; font-size: x-large;"><style type="text/css"><!--br {mso-data-placement:same-cell;}--></style></b><br />
<table cellpadding="0" cellspacing="0" dir="ltr" style="font-family: arial,sans,sans-serif; font-size: 10pt; table-layout: fixed; width: 0px;" xmlns="http://www.w3.org/1999/xhtml"><colgroup><col width="52"></col><col width="82"></col><col width="86"></col><col width="78"></col><col width="81"></col><col width="86"></col><col width="80"></col><col width="82"></col></colgroup><tbody>
<tr style="height: 21px;"><td style="background-color: #dddddd; border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td data-sheets-value="{"1":2,"2":"Stock name"}" style="background-color: #dddddd; border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;">Stock name</td><td data-sheets-value="{"1":2,"2":"Code"}" style="background-color: #dddddd; border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;">Code</td><td data-sheets-value="{"1":2,"2":"Entry price"}" style="background-color: #dddddd; border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;">Entry price</td><td data-sheets-value="{"1":2,"2":"Shares"}" style="background-color: #dddddd; border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;">Shares</td><td data-sheets-value="{"1":2,"2":"Price"}" style="background-color: #dddddd; border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; font-weight: bold; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">Price</td><td data-sheets-value="{"1":2,"2":"% Allocation"}" style="background-color: #dddddd; border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;">% Allocation</td><td data-sheets-value="{"1":2,"2":"Type"}" style="background-color: #dddddd; border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; font-weight: bold; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">Type</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":1}" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">1</td><td data-sheets-value="{"1":2,"2":"FCOT"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); font-family: Arial; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">FCOT</td><td data-sheets-numberformat="{"1":1}" data-sheets-value="{"1":2,"2":"ND8U"}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; font-size: 8pt; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: middle;">ND8U</td><td data-sheets-numberformat="[null,2,"0.0000",1]" data-sheets-value="{"1":3,"3":1.4673699999999998}" style="background-color: #b7e1cd; border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">1.4674</td><td data-sheets-value="{"1":3,"3":1000}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">1000</td><td data-sheets-formula="=R[0]C[-1]*R[0]C[-2]" data-sheets-value="{"1":3,"3":1467.37}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">1467.37</td><td data-sheets-formula="=R[0]C[-1]/R19C[-1]*100" data-sheets-numberformat="[null,2,"0.00",1]" data-sheets-value="{"1":3,"3":6.5377068637969185}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">6.54</td><td data-sheets-value="{"1":2,"2":"Base"}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">Base</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2}" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">2</td><td data-sheets-value="{"1":2,"2":"FLT"}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">FLT</td><td data-sheets-numberformat="{"1":1}" data-sheets-value="{"1":2,"2":"BUOU"}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; font-size: 8pt; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: middle;">BUOU</td><td data-sheets-numberformat="[null,2,"0.0000",1]" data-sheets-value="{"1":3,"3":1.071152}" style="background-color: #b7e1cd; border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">1.0712</td><td data-sheets-value="{"1":3,"3":2500}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">2500</td><td data-sheets-formula="=R[0]C[-1]*R[0]C[-2]" data-sheets-value="{"1":3,"3":2677.88}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">2677.88</td><td data-sheets-formula="=R[0]C[-1]/R19C[-1]*100" data-sheets-numberformat="[null,2,"0.00",1]" data-sheets-value="{"1":3,"3":11.931002035222537}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">11.93</td><td data-sheets-value="{"1":2,"2":"Base"}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">Base</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":3}" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">3</td><td data-sheets-value="{"1":2,"2":"Singtel"}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">Singtel</td><td data-sheets-numberformat="{"1":1}" data-sheets-value="{"1":2,"2":"Z74"}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; font-size: 8pt; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: middle;">Z74</td><td data-sheets-numberformat="[null,2,"0.0000",1]" data-sheets-value="{"1":3,"3":3.3181599999999998}" style="background-color: #b7e1cd; border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">3.3182</td><td data-sheets-value="{"1":3,"3":1000}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">1000</td><td data-sheets-formula="=R[0]C[-1]*R[0]C[-2]" data-sheets-value="{"1":3,"3":3318.16}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">3318.16</td><td data-sheets-formula="=R[0]C[-1]/R19C[-1]*100" data-sheets-numberformat="[null,2,"0.00",1]" data-sheets-value="{"1":3,"3":14.78369968527119}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">14.78</td><td data-sheets-value="{"1":2,"2":"Base"}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">Base</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":4}" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">4</td><td data-sheets-value="{"1":2,"2":"APTT"}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; font-weight: bold; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">APTT</td><td data-sheets-numberformat="{"1":1}" data-sheets-value="{"1":2,"2":"S7OU"}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; font-size: 8pt; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: middle;">S7OU</td><td data-sheets-numberformat="[null,2,"0.0000",1]" data-sheets-value="{"1":3,"3":0.16314}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">0.1631</td><td data-sheets-value="{"1":3,"3":10000}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">10000</td><td data-sheets-formula="=R[0]C[-1]*R[0]C[-2]" data-sheets-value="{"1":3,"3":1631.4}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">1631.4</td><td data-sheets-formula="=R[0]C[-1]/R19C[-1]*100" data-sheets-numberformat="[null,2,"0.00",1]" data-sheets-value="{"1":3,"3":7.268524624054121}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">7.27</td><td data-sheets-value="{"1":2,"2":"Speculative"}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">Speculative</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":5}" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">5</td><td data-sheets-value="{"1":2,"2":"Vicom"}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; font-weight: bold; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">Vicom</td><td data-sheets-numberformat="{"1":1}" data-sheets-value="{"1":2,"2":"V01"}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; font-size: 8pt; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: middle;">V01</td><td data-sheets-formula="=R[0]C[2]/R[0]C[1]" data-sheets-numberformat="[null,2,"0.0000",1]" data-sheets-value="{"1":3,"3":6.03398}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">6.0340</td><td data-sheets-value="{"1":3,"3":500}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">500</td><td data-sheets-value="{"1":3,"3":3016.99}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">3016.99</td><td data-sheets-formula="=R[0]C[-1]/R19C[-1]*100" data-sheets-numberformat="[null,2,"0.00",1]" data-sheets-value="{"1":3,"3":13.441869624570943}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">13.44</td><td data-sheets-value="{"1":2,"2":"Base"}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">Base</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":6}" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">6</td><td data-sheets-value="{"1":2,"2":"SSB"}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">SSB</td><td data-sheets-numberformat="{"1":1}" data-sheets-value="{"1":2,"2":"Just for reference"}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; font-size: 8pt; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: middle;">Just for reference</td><td data-sheets-numberformat="[null,2,"0.0000",1]" data-sheets-value="{"1":3,"3":1}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">1.0000</td><td data-sheets-value="{"1":3,"3":2000}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2000</td><td data-sheets-value="{"1":3,"3":2002}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2002</td><td data-sheets-formula="=R[0]C[-1]/R19C[-1]*100" data-sheets-numberformat="[null,2,"0.00",1]" data-sheets-value="{"1":3,"3":8.919692471102335}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">8.92</td><td data-sheets-value="{"1":2,"2":"Base"}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">Base</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":7}" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">7</td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td data-sheets-numberformat="[null,2,"0.0000",1]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;"></td><td data-sheets-numberformat="[null,2,"0.00",1]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;"></td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":8}" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">8</td><td data-sheets-value="{"1":2,"2":"Cash"}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">Cash</td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;"></td><td data-sheets-numberformat="[null,2,"0.0000",1]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;"></td><td data-sheets-formula="=R[-16]C[-8]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00",1,1]" data-sheets-value="{"1":3,"3":8330.92}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">$8,330.92</td><td data-sheets-formula="=R[0]C[-1]/R19C[-1]*100" data-sheets-numberformat="[null,2,"0.00",1]" data-sheets-value="{"1":3,"3":37.11750469598195}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">37.12</td><td data-sheets-value="{"1":2,"2":"Cash"}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">Cash</td></tr>
<tr style="height: 21px;"><td style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td data-sheets-value="{"1":2,"2":"Total Amount"}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; font-weight: bold; overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;">Total Amount</td><td data-sheets-formula="=R[-1]C[0]+R[-3]C[0]+R[-4]C[0]+R[-5]C[0]+R[-6]C[0]+R[-7]C[0]+R[-8]C[0]+R[-2]C[0]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00",1,1]" data-sheets-value="{"1":3,"3":22444.72}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; font-weight: bold; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">$22,444.72</td><td data-sheets-formula="=SUM(R[-8]C[0]:R[-1]C[0])" data-sheets-numberformat="[null,2,"0.00",1]" data-sheets-value="{"1":3,"3":100}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">100.00</td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;"></td></tr>
</tbody></table>
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<div>
Again according to Stocks Cafe,<br />
Time-weighted returns = <span style="color: red;">-3.16%</span>, (all time)<br />
Xirr = <span style="color: #6aa84f;">0.62%</span> (all time)<br />
<br />
Time-weighted returns = <span style="color: #6aa84f;">10.62%</span>, (2019 till date)<br />
Xirr = <span style="color: #6aa84f;">24.33%</span> (2019 till date)<br />
<br />
I have not added any more positions due to the fact that I am being retrenched at the moment and the invested capital stays around $14k in securities. The portfolio just recently broke even. I lost money mainly on short term speculative positions and my dividend generating positions have so far covered my back. I am now ever more convinced that I should be doing what works (adding long term positions) and cutting down on what doesn't. (short term speculation with more commission fees paid and lost as a result a double whammy if I made a loss)</div>
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<b style="color: blue;"><span style="font-size: large;">Personal Growth</span><br />(in terms of investment knowledge)</b><br />
I absolutely love the Kindle App (can be used on mobile, ipad and computer) and I am trying to read more widely and so far I have read a simple book titled: "The richest man in Babylon". Kindle books are really great because they allow me to carry many books on the go, and they are especially useful during the morning journey to work. </div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj44U1RriGSrzMEcn6_m4q2IZJA_vWRk_w5PdZ8psdBnNAVkwL2hip1AqrCzikvCvZ3W7sz_C3K4ZKNRyM_81Saxlhn_DpFGFeegWC62U3irE2mdBDt2Myx2tIBIkN8ncQpeTle4vVdqpc/s1600/richest+man+in+Babylo.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="286" data-original-width="169" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj44U1RriGSrzMEcn6_m4q2IZJA_vWRk_w5PdZ8psdBnNAVkwL2hip1AqrCzikvCvZ3W7sz_C3K4ZKNRyM_81Saxlhn_DpFGFeegWC62U3irE2mdBDt2Myx2tIBIkN8ncQpeTle4vVdqpc/s1600/richest+man+in+Babylo.PNG" /></a></div>
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This book is a collection of parables and stories of how the richest man in Babylon came to be and what are some of the principles to draw from these relatable and easy to understand short stories such as <span style="color: blue;">"paying yourself first" (but 10% is too low. For people who starting out it ought to be more than 50% but it is a good principle)</span> and <span style="color: blue;">"making the money work for you"</span> to which I can identify with when I blogged previously <a href="https://30yearoldinvestor.blogspot.com/2018/07/if-you-spend-what-you-earn-you-need-to.html">https://30yearoldinvestor.blogspot.com/2018/07/if-you-spend-what-you-earn-you-need-to.html</a> where one needs to keep a portion of what we earn first. Without spoiling the book too much, here is a summary video of one of the short stories:<br />
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<iframe allow="accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture" allowfullscreen="" frameborder="0" height="315" src="https://www.youtube.com/embed/G4MnrKLphrQ" width="560"></iframe>
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I am also starting to read a classic in <span style="color: blue;">The Intelligent Investor</span> (which is a recommended read by many forumers on Investing Note) and also one other book that intrigues me alot which is the book titled :"<span style="color: blue;">Stock Market Investing for Beginners</span>" If you are just starting out, these two books would no doubt anchor you well in terms of sound knowledge.<br />
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I didn't always have the luxury of access to information when I first started with $1467.37. But one always have to start somewhere. The good news is that we can always accumulate knowledge over time. I will be looking forward to share my thoughts and also if possible try to adapt some of the shared illustrations these books have to some Singapore examples. So, do watch this space!</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh9ZO9NaEhzx6tJ5NNjUZyObTr-3okaAIhKqosqQdhdbXe0MyQIyLs1apJK70NXern7DhGnr4mrIVRAH9Pl6Fj1_79cDaWHug7_3LUyLD2EbMZ9gpwVKlWq1ITjxm48Gdvkkq87QRQHlpg/s1600/TII+and+stocks+investing+for+beginners.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="285" data-original-width="404" height="281" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh9ZO9NaEhzx6tJ5NNjUZyObTr-3okaAIhKqosqQdhdbXe0MyQIyLs1apJK70NXern7DhGnr4mrIVRAH9Pl6Fj1_79cDaWHug7_3LUyLD2EbMZ9gpwVKlWq1ITjxm48Gdvkkq87QRQHlpg/s400/TII+and+stocks+investing+for+beginners.PNG" width="400" /></a></div>
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<b style="color: blue; font-size: x-large;"><span style="color: blue; font-size: large;">Market Outlook</span></b><br />
I am still adopting a defensive strategy towards my holdings. I will still only go for dividend generating REITs or dividend generating stocks on the Singapore market. With the current trade war ongoing, and the hype over whether interest rates will be cut by the FED has sent the market into a whirl. REITs have gone up probably due to the hype that rates will be cut. Fundamentally, things have not changed at all and I believe that I should not be buying on speculation of the rate cuts because they have sent the REITs higher. Many stocks on the other hand are being punished at the moment due to the trade war manifesting itself since that fateful Trump tweet in May about adding more tariffs on China.<br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj_YvOSRFXLx6bJ4HLCt-JIeLtW6gmBvXShaFomoL82D0Z8CAU-PtT7_C8sNxwlezm7Bhp8tkr2SaZHK8B2kcYiEvOeyR9Eje2cld2rRKsHD13Wc7V4sIqB0wVZBEz9LbO0AL657FQeQc4/s1600/chart-1560079413798.png" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" data-original-height="892" data-original-width="1600" height="355" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj_YvOSRFXLx6bJ4HLCt-JIeLtW6gmBvXShaFomoL82D0Z8CAU-PtT7_C8sNxwlezm7Bhp8tkr2SaZHK8B2kcYiEvOeyR9Eje2cld2rRKsHD13Wc7V4sIqB0wVZBEz9LbO0AL657FQeQc4/s640/chart-1560079413798.png" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Dow Jones index looks to be on the rebound and STI index seems to be following suit.</td></tr>
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<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg00OpHZ5Ay6BsSqX2QKYjVJAeXF8yFs5tF7eOxBjTiNsvKOHbA2iObbGpQqPrTxSy0CqQ8vlI6UBLYoqUAOs_WG35gU9qjLYHXLhdZwj61xX95IS6LeI2i4sn-O_1QeRhDzqwYOV0Dijs/s1600/chart-1560079072442.png" imageanchor="1" style="clear: left; font-size: medium; font-weight: 400; margin-bottom: 1em; margin-left: auto; margin-right: auto; text-align: center;"><img border="0" data-original-height="868" data-original-width="1600" height="345" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg00OpHZ5Ay6BsSqX2QKYjVJAeXF8yFs5tF7eOxBjTiNsvKOHbA2iObbGpQqPrTxSy0CqQ8vlI6UBLYoqUAOs_WG35gU9qjLYHXLhdZwj61xX95IS6LeI2i4sn-O_1QeRhDzqwYOV0Dijs/s640/chart-1560079072442.png" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">STI Index have fallen and the mantra "Sell in May and go away" seems to be in motion.<br />
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I might be waiting for a market crash that isn't coming given that June is seeing a bit of rebound but that is fine by me for now as I look to keep more cash on hand given my situation and to see if Mr. Market presents good opportunities that I think I cannot pass up.<br />
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I have also since come to learn that P/B ratio isn't a very good gauge for whether a REIT is undervalued or overvalued. As challenged by a fellow blogger to dig deeper into the numbers, a better gauge is DPU consistency and growth. Some good REITs might have a high P/B leading us to believe that they are always overvalued. But they never present a chance to buy because they will always be going up (if you just rely on P/B). A good REIT will have such a good track record of their management team being able to deliver growth.<br />
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In all, I would like to wish everyone success in your own journey and thank you for reaching out to me and sharing with me your nuggets of wisdom especially in this transition period of my life. I am grateful to have you guys journeying with me so far in my fledgling investing journey.<br />
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Until Next Time, <br />
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<span style="font-size: small;"><br /></span></div>
<div style="font-size: 12.8px;">
<b><span style="color: red; font-size: x-large;">K.C.</span></b></div>
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<i>If you like this post, you might <a href="https://www.facebook.com/30yroldinvestor/">like our facebook page</a> as well. </i><i>I'm also on <a href="https://www.investingnote.com/users/kc_30#/?display=profile&user=kc_30&tab=latest">Investing Note</a>.</i></div>
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<span style="font-size: large;"><b>Related topics:</b><br />1. <a href="https://30yearoldinvestor.blogspot.com/p/about-me.html">About K.C. What is my story?</a><br />2. <a href="https://30yearoldinvestor.blogspot.com/2018/02/my-3c-money-investing-philosophy.html">My 3Cs to money/investing</a><br />3. <a href="https://30yearoldinvestor.blogspot.com/2018/07/if-you-spend-what-you-earn-you-need-to.html">Why you need to set aside money for savings first</a></span><br />
<span style="font-size: large;">4. </span><span style="font-size: large;"><a href="https://30yearoldinvestor.blogspot.com/2018/11/interview-process-cycle-how-to-increase.html">Interview process cycle: How to increase your interview rates</a></span><br />
<span style="font-size: large;">5. <a href="https://30yearoldinvestor.blogspot.com/2018/12/2018-year-end-review.html">My 2018 Year end review</a><br />6. </span><span style="font-size: large;"><a href="https://30yearoldinvestor.blogspot.com/2019/04/im-retrenched-3-things-to-think-about.html">I'm retrenched: 3 things to think about</a></span></div>
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<i><span style="color: #cc0000;">Disclaimer: The views expressed, opinion and information in this article are strictly for informational purposes to encourage educational discussions only. It is important to conduct your own analysis before making any investment decisions based on your own personal circumstances. You should take reasonable measures such as seeking independent financial advice from professionals and/or independently research and verify the information that you find on "30 Year Old Investor" before undertaking any important investment decisions. No content on this site constitutes - or should be understood as constituting - a recommendation to enter any securities transactions or to engage in any of the investment strategies presented in our site content. We do not provide personalised recommendations or views as to whether a particular stock or investment approach is suitable to the financial needs of a specific individual. No representation or warranty expressed or implied is made as to, and no reliance shall be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained on this website. "30 Year Old Investor" shall not be liable whatsoever for loss or damages of any kind arising from the result of any use, reliance or distribution of the articles or its contents from information contained on this website. </span></i>30YearOldInvestorhttp://www.blogger.com/profile/18442456587123026225noreply@blogger.com0tag:blogger.com,1999:blog-7295314650616694802.post-37918757202197482612019-05-05T21:57:00.000-07:002019-05-06T07:31:38.262-07:00Why we should keep our Resume updated, always.<div class="separator" style="clear: both; text-align: center;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjhEnIDgMng5mOs-cMs80SYXiXMITiOxVfdJ8-4g0qBw3mBribLXTEXCOU_dmWtcbAWqTnLCnwg7KJ-iNj4pVHAkwUPiwy8vV9PEXQlPY5PW3aZDTNrWPLFm-pBMcjbcy4mYayihRNLB0Q/s1600/Why+we+should.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="374" data-original-width="679" height="352" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjhEnIDgMng5mOs-cMs80SYXiXMITiOxVfdJ8-4g0qBw3mBribLXTEXCOU_dmWtcbAWqTnLCnwg7KJ-iNj4pVHAkwUPiwy8vV9PEXQlPY5PW3aZDTNrWPLFm-pBMcjbcy4mYayihRNLB0Q/s640/Why+we+should.PNG" width="640" /></a></div>
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If you are currently job hunting or even at a stable job, you should think about keeping your Resume/CV ALWAYS updated. This can come in the form of resumes updated on job portals and even our LinkedIn profiles.<br />
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<b><span style="color: red;">tl;dr</span></b><br />
<b>1) We are always prepared if things go south. not wait until the end of the road</b><br />
<b>2) We have a chance to be headhunted, even while we are not actively looking</b><br />
<b>3) It helps us in our preparations emotionally and also for doing homework preparations for interviews</b><br />
<br />
As with <a href="https://30yearoldinvestor.blogspot.com/2019/04/im-retrenched-3-things-to-think-about.html">my last post</a>, my situation at being retrenched set off a scenario I never imagined would have happened to me and it got me thinking about how complacent I got to be after working for about 5 years.<br />
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As with every difficult situation, sometimes we enter a state of denial first before we come to terms with the reality and really buck up.<br />
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I'm quite thankful that in the past month, since I've updated my professional profile and sent out resumes:<br />
<br />
<br />
<ul>
<li>I received 4 interview offers (<strike><span style="color: red;">3</span></strike> 2 actually came from headhunters/recruiters on LinkedIn)</li>
<li>I have since attended 3 interviews. (I sort of screwed up the first interview since its been a long time since I have last prepared for one)</li>
<li>The return rate from job portals has been rather poor so far (just 1) compared to 1.5 years ago when I landed my current job. I believe online portals have more applicants so it takes time. I do tailor make my resumes to fit the relevant skills set the employers are looking for.</li>
</ul>
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<br />
Through this last month, it also has been a wake-up call to be more vigilant, to be ever ready to "give a defence for yourself". As it turns out there are many aspects to ace-ing an interview. It goes all the way down from emotional preparation to doing your homework on the various questions we might be asked.<br />
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<b><span style="color: blue; font-size: large;">The need to constantly update our professional profiles</span></b><br />
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When the retrenchment hit my department, there was a senior marketing manager who visited us thereafter (He is in his early 40s) who by his standards is quite a high flyer. He mentioned something that stuck with me: "Oh, I am always ready for an interview. My resume is always updated." <br />
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True enough, regularly updating our LinkedIn profiles might not seem like a very important thing. Especially when we already have a stable job.<br />
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But, regularly updating of our resumes does 2 things:<br />
<br />
<ul>
<li>It helps us to crystallise our professional journey and document where we are in our careers and internalise what we have done thus far</li>
<li>It puts us "out there" in the market to help us "look out" for opportunities</li>
</ul>
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<br />
Sometimes, having a good career/job boils down to really luck: Meeting the right people at the right time and at the right place. We never know who would pop by to our profiles to take a look and say to themselves: Hey I think this guy could do a job for me/ is just the person we been looking for.<br />
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It also helps us to be prepared for the unforeseen circumstances given the tough job climate these days. Having an "insurance" plan in place surely helps. And if we are new hires/headhunted to a new firm, my guess is that our chances of being made redundant is minimised in a way.<br />
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Constantly updating our professional profiles gives us chance and opportunities, even when we are not looking.<br />
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<b><span style="color: blue; font-size: large;">The Emotional Side</span></b><br />
<br />
If we have not attended an interview for a long time, usually our first interview in a while tends to screw up a bit. Why is this?<br />
<br />
It turns out that FEAR of the unknown and desperation can cause us to under-perform. People generally fear what they don't know and being thrown into a situation like this is nothing short of traumatic.<br />
<br />
The denial phase would set in first and we might be blaming every other thing/person for things not going our way. Nothing just seem to go right at the moment.<br />
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However, once we are able to calm down and attend a few more interviews, we become more sure of who we are and takes things better in stride.<br />
<br />
I myself screwed up my first interview because I gave myself too much stress thinking that I had to land that job or I would be in trouble. Needless to say, things didn't go well because we appear a little too desperate and it was inevitable that I said the wrong things.<br />
<br />
When we feel unprepared as well, we tend to appear less confident as well. Partially why constantly updating our profiles on a regular basis helps is because it helps us to crystallise and internalise what we have learnt on our current roles, instead of the last minute cramping and memorisations of scripts. This would not be natural.<br />
<br />
If you have a faith/belief in a religion, meditation or studying wise wisdom from sages or faith giants might help us in our journies of self-discovery and give us some inspiration too.<br />
<br />
Ultimately, master the mind or it will master us.<br />
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<b><span style="color: blue; font-size: large;">The Preparations (homework) Side</span></b><br />
<br />
I start to find that once we internalise the knowledge about what we do at our current work, it would be easy to describe what we do.<br />
<br />
The main bulk of interviews challenges therefore comes down to researching about the company (to show we are interested and make an effort to find out about them) and also Situational/ Scenario based questions.<br />
<br />
I find that the advice from this website was very helpful indeed.<br />
<a href="https://zety.com/blog/job-interview-questions-and-answers">https://zety.com/blog/job-interview-questions-and-answers</a><br />
<a href="https://zety.com/blog/situational-interview-questions">https://zety.com/blog/situational-interview-questions</a><br />
<br />
Q: Tell me about yourself.<br />
<div>
Q: Why are you applying for this position?<br />
Q: What motivates you?<br />
Q: Why are you the best person for this job?<br />
Q: What are your strengths (and greatest weaknesses)?<br />
Q: Why did you leave your last job?</div>
<div>
Q: Tell me about a mistake you made<br />
Q: Tell me about a time you went above and beyond for work.<br />
Q: Describe a situation where you weren’t satisfied with your job. What could have made it better?<br />
Q: Tell me about a time you reached a big goal at work. How did you reach it?<br />
Q: Describe a situation where you saw a problem and took steps to fix it.<br />
Q: Tell me about a time you had to collaborate with a coworker who was tough to please.<br />
Q: Tell me about a long-running project you handled. How did you manage your time to meet your deadlines?<br />
<br />
When we are asked questions such as these, how do we answer? What is the context we should be framing our answers so that we do not go out of the context of what they want to know? We need to flip that table around and imagine we are the interviewers. What do they want to hear? What are the telltale signs in their job descriptions? It also takes effort to try to LinkedIn search who your potential interviewers might be. Who are they and what roles do they play? Do remember their names by hard.<br />
<br />
My take is that mostly we have the answers to these questions, but if we do not take time to consider how we are going to answer them, it will show as a lack of confidence, lack of thoughtfulness in answers, or our stories may lack coherence and detail.<br />
<br />
There are two chinese sayings which I like to fall back on:<br />
<br />
1) 养兵千日,用兵一时: Feed a thousand soldiers, all for one fight. (Describes how storing/accumulating resources to fight a war in normal times is crucial for a war)<br />
<br />
2)台上一分钟,台下十年功: A performer performs a minute on the stage, but it took him 10 years of practice. (Describes the crucial preparation and hardwork behind the success of a single performance.)<br />
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<br /></div>
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If you are in the middle of a job search, all the best. And also, if you are not looking out for anything, now is probably a good time to start.<br /><br /><span style="color: red;">Update 6th May 8pm: Just received a call from my Headhunter saying I did well for the interview. They are considering me for an alternative position even though I'm a bit lacking in the position I applied for. If it is an upgrade in terms of pay and career progression/security, I will take it up.</span></div>
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<br />
<div style="font-size: 12.8px;">
<span style="font-size: small;">Until Next Time, </span><br />
<span style="font-size: small;"><br /></span></div>
<div style="font-size: 12.8px;">
<b><span style="color: red; font-size: x-large;">K.C.</span></b></div>
<div style="font-size: medium;">
<i>If you like this post, you might <a href="https://www.facebook.com/30yroldinvestor/">like our facebook page</a> as well. </i><i>I'm also on <a href="https://www.investingnote.com/users/kc_30#/?display=profile&user=kc_30&tab=latest">Investing Note</a>.</i></div>
<div style="font-size: medium;">
<br /></div>
<div style="font-size: medium;">
<span style="font-size: large;"><b>Related topics:</b><br />1. <a href="https://30yearoldinvestor.blogspot.com/p/about-me.html">About K.C. What is my story?</a><br />2. <a href="https://30yearoldinvestor.blogspot.com/2018/02/my-3c-money-investing-philosophy.html">My 3Cs to money/investing</a><br />3. <a href="https://30yearoldinvestor.blogspot.com/2018/07/if-you-spend-what-you-earn-you-need-to.html">Why you need to set aside money for savings first</a></span><br />
<span style="font-size: large;">4. </span><span style="font-size: large;"><a href="https://30yearoldinvestor.blogspot.com/2018/11/interview-process-cycle-how-to-increase.html">Interview process cycle: How to increase your interview rates</a></span><br />
<span style="font-size: large;">5. <a href="https://30yearoldinvestor.blogspot.com/2018/12/2018-year-end-review.html">My 2018 Year end review</a><br />6. </span><span style="font-size: large;"><a href="https://30yearoldinvestor.blogspot.com/2019/04/im-retrenched-3-things-to-think-about.html">I'm retrenched: 3 things to think about</a></span></div>
<br />
<i><span style="color: #cc0000;">Disclaimer: The views expressed, opinion and information in this article are strictly for informational purposes to encourage educational discussions only. It is important to conduct your own analysis before making any investment decisions based on your own personal circumstances. You should take reasonable measures such as seeking independent financial advice from professionals and/or independently research and verify the information that you find on "30 Year Old Investor" before undertaking any important investment decisions. No content on this site constitutes - or should be understood as constituting - a recommendation to enter any securities transactions or to engage in any of the investment strategies presented in our site content. We do not provide personalised recommendations or views as to whether a particular stock or investment approach is suitable to the financial needs of a specific individual. No representation or warranty expressed or implied is made as to, and no reliance shall be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained on this website. "30 Year Old Investor" shall not be liable whatsoever for loss or damages of any kind arising from the result of any use, reliance or distribution of the articles or its contents from information contained on this website. </span></i></div>
</div>
30YearOldInvestorhttp://www.blogger.com/profile/18442456587123026225noreply@blogger.com2tag:blogger.com,1999:blog-7295314650616694802.post-31398488069331300812019-04-09T00:36:00.003-07:002019-12-15T10:05:59.738-08:00I'm retrenched: 3 things to think about<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj3nDyBZUx5t_QmfQfkD8G3V14ZP9uiNCIjclJMQejf8ystzoLUMAMVL4MCLiWwQfPACPeF3SsmSNSpA9dZQyI1zwG4zITJwfeUYqrWPD0y_ttkeYce6u_6GCnOz-iKM15A_CrkW6eCxBo/s1600/retrenched.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="285" data-original-width="574" height="316" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj3nDyBZUx5t_QmfQfkD8G3V14ZP9uiNCIjclJMQejf8ystzoLUMAMVL4MCLiWwQfPACPeF3SsmSNSpA9dZQyI1zwG4zITJwfeUYqrWPD0y_ttkeYce6u_6GCnOz-iKM15A_CrkW6eCxBo/s640/retrenched.PNG" width="640" /></a></div>
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When it rains, it pours. In life, we always have to be prepared for the unexpected. I was just posting about <a href="https://30yearoldinvestor.blogspot.com/2019/03/investing-in-our-career-taking-care-of.html">how one should have a Plan A and a Plan B</a> for his/her career on 31st March and here I am one week later, <b><u>retrenched at age 31! </u></b>It took me a while to process this piece of news and let it sink in. (Note: This is not a post to garner sympathy. Don't.)<br />
<div>
<br /></div>
<div>
I have called a <span style="color: red; font-size: large;"><b>"Safety Time Out"</b></span> on buying counters as my immediate priorities have been changed, albeit unwillingly. I too, once thought it won't happen to me. At least not so early in my working career but here I am. Unfortunately, due to company restructuring, they have decided to close my whole department and shift operations elsewhere.<br />
<br />
Immediate objectives:<br />
<ul>
<li>To secure a new employment (there is a bit of buffer time to do so)</li>
<li>To minimise spending and stay afloat on my current emergency funds.</li>
<li>To halt further purchase of stocks/Reits until I am employed again. <br />(Those already bought will remain for now in portfolio)</li>
</ul>
<div>
<br /></div>
<div>
Following my own set of advice I wrote on 31st March, my immediate thoughts are:<br />
<br />
<i><b>For circumstances like retrenchment, one can practically:</b><br /><br />- Cut down on unnecessary expenses. e.g subscriptions</i><br />
<div>
<span style="color: blue;">My subscription plans are already at their minimum after a review 2 years ago. The only thing I can cut further would be my mobile plan expiring late this year or early next year. I would likely switch to data only plan which are in the $20-30 range and not purchase new phone + combo plan. </span></div>
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<span style="color: blue;"><br /></span><i>- Start thinking of Plan A: Building a career advancement (so you are not easily replaceable)</i></div>
<div>
<span style="color: blue;">Tell tale signs were already there and the danger of my industry is that it is quite niche, meaning it is hard to find similar jobs if things go south. I needed to think of a Plan B that would allow me to be more employable.</span></div>
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<span style="color: blue;"><br /></span><i>- Start thinking of a Plan B: In case you are retrenched.</i></div>
<div>
<span style="color: blue;">The plan was to start on getting certification in Safety. This will take me a year. I forsaw that there would be changes in my company, and those were communicated to take place in 2020. Unfortunately, it came prematurely.</span></div>
<div>
<span style="color: blue;"><br /></span><i>- Downgrade lifestyle if possible (but not burning another side of candle)</i><br />
<span style="color: blue;">I am currently good on this. Food wise, I won't be saving much except choosing cheaper options.</span></div>
<div>
<span style="color: blue;"><br /></span><i>- Keep an emergency fund of at least 6-9 months of living <u>expenses</u> in the bank</i></div>
</div>
<div>
<span style="color: blue;">I am good to go for this. Have ample to stay afloat for now. I will still have some income coming in.</span></div>
<br />
As some readers would know,<span style="color: red; font-size: large;"><b> K.C.</b></span> is in the oil and gas sector. This is a sector that has been ravaged badly from the oil crisis in recent years and certain areas have not recovered. There are also intense competition for business.<br />
<br />
<b><span style="color: #0b5394; font-size: large;">A globalised workforce:</span></b><br />
In a <a href="https://www.channelnewsasia.com/news/singapore/under-30-and-retrenched-what-s-it-like-to-be-laid-off-from-your--7815120">2016 article by CNA</a>, they interviewed a few people who lost their jobs and were under 30. My opinion is that depending on the sector you are in, the Singapore market has already been like this for some time and a globalised workforce means that the rice bowl that you and I have now are ever so easily replaceable. Your job could be here, but gone tomorrow.<br />
<br />
<blockquote class="tr_bq">
Bank executive James Ng* was retrenched this May when his job at an American bank got offshored to a cheaper country. The 26-year-old had been processing credit card applications at the bank for three years when he was laid off.<br />
“I wasn’t too surprised (by the retrenchment) because my job scope was being reduced as the workload increased for the team in the offshored country,” he said, adding that his last duties at the bank consisted of training colleagues in the Philippines to do his job.</blockquote>
<blockquote class="tr_bq">
“The younger ones got retrenched first, in my case. This is because the seniors are the ones who contribute to revenue,” said Desmond Kok*, 28, who was retrenched by National Oilwell Varco in May.<br />
At the time, the mechanical engineering graduate from National University of Singapore (NUS) was less than halfway into his four-year trainee programme with the US oil and gas firm.</blockquote>
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Anyone can take our place anytime if our employers decide to shift operations elsewhere. Companies may also regularly use "restructuring" to get rid of redundancy. Many MNCs may also shift operations elsewhere.</div>
<div>
<br />At the end of the day, the job market isn't as safe as we think it is and we would be well right not to take things for granted or be complacent with what we have.</div>
</div>
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<br /></div>
<div>
<b style="color: red;"><span style="font-size: large;">1. It is not your fault (but don't play the victim)</span></b><br />
Sure, it feels sucks to be retrenched. But as we can see from the above scenarios, usually it is not our fault that we have been retrenched. Many of us might suddenly feel a sense of loss of direction because we have pinned all our hopes and life around our work.<br />
<br />
Our work defines us. When people ask us who we are, we often start by introducing what we do (in our line of work). This sense of identity is now lost.<br />
<br />
Take a day or two to process what has just happened but please, do not take your emotions out on yourself or the loved ones around you. We might feel bad about our situation but don't go into self-pity mode or go into a victimised mode. This phase won't last (because eventually we would wake up to our senses and then find a job again). However, if you had acted out badly in the fit of the moment, it might have done some irreparable damage to you and those around you.<br />
<br />
We are always finding something to blame and account for why this happened. We could blame others or even ourselves. But, it being a business decision, it is neither discriminate or indiscriminate. Once you have recovered from the shock, just got to move on and look ahead.</div>
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<br /></div>
<div>
Keep your emotions in check. But go easy on yourself and others. 😇 Be more positive.<br />
<br />
<span style="color: blue;">For me, I'm pretty chill about my situation. However, I would be lying if I said it didn't affect me. To be honest, there are many implications: such as affecting my saving/investing goals or plans to getting married. </span></div>
<div>
<br />
<span style="color: red; font-size: large;"><b>2. Where are you now and where headed from here?</b></span><br />
In Sun Tzu, <a href="https://www.goodreads.com/work/quotes/3200649">The Art of War</a>, Sun Tzu said: “Victorious warriors win first and then go to war, while defeated warriors go to war first and then seek to win”. He also says “If you know the enemy and know yourself, you need not fear the result of a hundred battles. If you know yourself but not the enemy, for every victory gained you will also suffer a defeat. If you know neither the enemy nor yourself, you will succumb in every battle.”<br />
<br />
Only fight a battle you know you will win (where you have the right tools, right resources). We can only do that by knowing where we are and where we are going from here. The immediate goal is to secure employment. The main enemy is not knowing our own value, and what is available in the job market out there. Discuss with your family/ spouse on possible methods to cope. Chances are if you had done planning beforehand and also included this possibility you would now be sitting on some emergency funds. It is not time to hit the panic button, yet.<br />
<br />
I wrote an old piece on getting more interview hit rates and it has got to do with understanding what the employers want and giving them what they want (provided we have the relevant skills and not cheating):<br />
<a href="https://30yearoldinvestor.blogspot.com/2018/11/interview-process-cycle-how-to-increase.html">https://30yearoldinvestor.blogspot.com/2018/11/interview-process-cycle-how-to-increase.html</a><br />
<br />
<span style="color: blue;">I am well aware of my capabilities at the moment and aware of the market. The idea is not to start making excuses for yourself but after the dust has settled, quickly access where we are in our careers. Know what options are available to take and if need be we need to tailor or resumes/cover letters to "win the war". </span></div>
<div>
<span style="color: blue;"><br /></span></div>
<div>
<span style="color: blue;">We should also narrow down certain goals:</span><br />
<span style="color: blue;">- is it just to secure a position? (can we stomach a pay cut?)</span><br />
<span style="color: blue;">- could it be a chance to upsell instead with relevant experience?<br />- what industries and jobs are we building into? Are we also changing industry altogether?</span></div>
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<br /></div>
<div>
<span style="color: red; font-size: large;"><b>3. Take action! Set daily achievable goals.</b></span><br />
Break it down into small little daily targets so it is not overwhelming. The task of securing a job immediately puts a lot of stress on ourselves but we can break that down into smaller, easier actionable steps that would lead us to it.<br />
<br />
To secure a Job we need to go for interviews.<br />
To land interviews, we need to send out resumes and CVs.<br />
To send out resumes and CVs we need to be smart about it and edit/ tailor it to suit the job descriptions.<br />
<br />
Working backwards, <br />
<br />
To secure 1 job offer, it may take 10 to secure 1 (10% success rate)<br />
To get a job out of 10 interviews (10% success rate), 20 interviews (5% success rate)<br />
To secure 1 interview might take alot of CVs sent. Every 5 CV sent (20% success rate),<br />
10 CV (10% success rate)<br />
<br />
Idea is this: If we do not send out enough CVs, there won't be interviews. If we don't go to enough interviews, we can't possibly hope to land a job.<br />
<br />
I think by now, it is clear that sending a few well-tailored quality CV or resume is better than mass spamming a generic one. Assuming we do 1-2 quality one per day for a month, we would have sent out at least 30 applications. Some industry might be smaller and have lesser openings, that is fine. </div>
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<span style="color: blue;">I will keep to one quality CV per day. Until I exhaust the possible openings I can apply to. Its a numbers game.</span><br />
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If you are retrenched and happen to read this, know that you are not alone. This is only a passing phase of life. It won't be fatal, unless we let it fester and rot. </div>
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<span style="color: red;">Edit (30/6/2019): I have since secured employment. Find out how I did it at </span><a href="https://30yearoldinvestor.blogspot.com/2019/06/retrenchment-and-25-pay-increase-that-i.html">https://30yearoldinvestor.blogspot.com/2019/06/retrenchment-and-25-pay-increase-that-i.html</a><br />
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<div style="font-size: 12.8px;">
<span style="font-size: small;">Until Next Time, </span><br />
<span style="font-size: small;"><br /></span></div>
<div style="font-size: 12.8px;">
<b><span style="color: red; font-size: x-large;">K.C.</span></b></div>
<div style="font-size: medium;">
<i>If you like this post, you might <a href="https://www.facebook.com/30yroldinvestor/">like our facebook page</a> as well. </i><i>I'm also on <a href="https://www.investingnote.com/users/kc_30#/?display=profile&user=kc_30&tab=latest">Investing Note</a>.</i></div>
<div style="font-size: medium;">
<br /></div>
<div style="font-size: medium;">
<span style="font-size: large;"><b>Related topics:</b><br />1. <a href="https://30yearoldinvestor.blogspot.com/p/about-me.html">About K.C. What is my story?</a><br />2. <a href="https://30yearoldinvestor.blogspot.com/2018/02/my-3c-money-investing-philosophy.html">My 3Cs to money/investing</a><br />3. <a href="https://30yearoldinvestor.blogspot.com/2018/07/if-you-spend-what-you-earn-you-need-to.html">Why you need to set aside money for savings first</a></span><br />
<span style="font-size: large;">4. </span><span style="font-size: large;"><a href="https://30yearoldinvestor.blogspot.com/2018/11/interview-process-cycle-how-to-increase.html">Interview process cycle: How to increase your interview rates</a></span><br />
<span style="font-size: large;">5. <a href="https://30yearoldinvestor.blogspot.com/2018/12/2018-year-end-review.html">My 2018 Year end review</a></span></div>
<br />
<i><span style="color: #cc0000;">Disclaimer: The views expressed, opinion and information in this article are strictly for informational purposes to encourage educational discussions only. It is important to conduct your own analysis before making any investment decisions based on your own personal circumstances. You should take reasonable measures such as seeking independent financial advice from professionals and/or independently research and verify the information that you find on "30 Year Old Investor" before undertaking any important investment decisions. No content on this site constitutes - or should be understood as constituting - a recommendation to enter any securities transactions or to engage in any of the investment strategies presented in our site content. We do not provide personalised recommendations or views as to whether a particular stock or investment approach is suitable to the financial needs of a specific individual. No representation or warranty expressed or implied is made as to, and no reliance shall be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained on this website. "30 Year Old Investor" shall not be liable whatsoever for loss or damages of any kind arising from the result of any use, reliance or distribution of the articles or its contents from information contained on this website. </span></i></div>
30YearOldInvestorhttp://www.blogger.com/profile/18442456587123026225noreply@blogger.com30tag:blogger.com,1999:blog-7295314650616694802.post-14227259630156403662019-03-31T01:01:00.001-07:002019-03-31T02:42:27.876-07:00Investing in our Career (Taking care of the goose)<div class="separator" style="clear: both; text-align: center;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjomA5wiGhxMgzQY3UV-K4ruK_6fbISapi1pyBHGRoZHWmCUIjdJ8XgYSzsZUMRxhRkeUtGoPZQSdC8qgmVm_NePyEgZdyeDj1TrV4wRUEeRY6fsM0EzsCxX-U2a5hiFwWlJNKk4u35FRI/s1600/Kill+not+the+golden.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="468" data-original-width="829" height="360" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjomA5wiGhxMgzQY3UV-K4ruK_6fbISapi1pyBHGRoZHWmCUIjdJ8XgYSzsZUMRxhRkeUtGoPZQSdC8qgmVm_NePyEgZdyeDj1TrV4wRUEeRY6fsM0EzsCxX-U2a5hiFwWlJNKk4u35FRI/s640/Kill+not+the+golden.PNG" width="640" /></a></div>
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<span style="font-size: x-large;">T</span>here was once a farmer who owned a prized asset: Le' Goose! This was no ordinary Goose. The farmer took care of the Goose, feeding it and tending to its needs daily. Behold, each morning when he checked the Goose pen, inside was a shimmering, shiny Golden Egg!<br />
<br />
Each afternoon, the farmer went to town and sold the egg. The consistent money received from the sales of the golden eggs soon allowed the farmer to live comfortably. However, the farmer started to get annoyed that the goose only laid ONE EGG per day.<br />
<br />
<br />
<blockquote class="tr_bq">
<b><i>"It's far too slow! I need to get more golden eggs to get rich faster!" </i></b></blockquote>
<br />
<br />
<br />
He devised a plan to finally kill the goose to harvest all the golden eggs at once by cutting its belly open. However, when he did kill and cut open his goose, there was not a single egg to be found.<br />
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<span style="color: blue;">tl:dr (too long didn't read version):</span><br />
<br />
<ul>
<li>Expect the unexpected in our careers (it might not always be smooth sailing)</li>
<li>Take care of our golden goose (Plan A), make plans and also backup plans (Plan B).</li>
<li>Don't do things that are dealbreakers (kill your golden goose prematurely)</li>
<li>Upgrade yourself, invest in "fattening" our golden goose. (Skillsfuture can be an option)</li>
<li>Keep your desires in check (the farmer inside us)</li>
</ul>
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<br />
This is a famous story from Aesop's fables that warns against the perils of Greed and incredible short-sightedness. In the above story, the farmer made an irreversible loss by taking an action that seemed logical but was actually myopic in his hindsight.<br />
<br />
We each actually have a goose that lays golden eggs. Most lay a golden egg a month. Some do better and lay eggs more than just once a month. Some people get small eggs while others get big eggs.<br />
<br />
<span style="color: red; font-size: large;"><b>When we analyse the parable, there are 3 important things.</b></span><br />
<span style="color: red; font-size: large;"><b><br /></b></span>
<br />
<ul>
<li>Goose: Our asset that generates consistent income.</li>
<li>Farmer: Our desires/wants in life that consumes the income.</li>
<li>Golden Egg(s): The consistent income (reward) for taking care of our asset.</li>
</ul>
<br />
Having a job is different from having a Career. A Job simply gives us money in exchange for our time. A Career, on top of giving us money in exchange for time would require more planning and thought out process to grow, improve, "fatten" up the goose. And in time, the Goose aka. our main asset in earning an income grows to give a greater output and satisfaction in life.<br />
<br />
<br />
<b><span style="color: red; font-size: large;">Why is keeping the delicate relationship of the 3 important?</span></b><br />
<br />
<ul>
<li>Having a stable income generated leads to the ability to save.</li>
<li>The ability to save in a disciplined way leads to the possibility of gaining more assets.</li>
<li>Taking care of the goose increases the output(s).</li>
<li>Keeping the desires of our internal "farmer" in check ensures that we do not kill the goose prematurely.</li>
<li>Putting the Golden eggs earned to good use is a must because it is a limited resource.</li>
</ul>
<br />
<br />
Recently, there were two main events that happened around me that crystallised the importance of planning ahead. (Stories have been slightly altered but retains the essence)<br />
<br />
1. Retrenchment at workplace<br />
2. Misfortune of a close friend<br />
<span style="color: blue;"><br /></span><b><span style="color: blue; font-size: large;">Story #1: Retrenchment at workplace</span><span style="color: #b45f06; font-size: large;">.</span></b><br />
<br />
This is a story of how a "natural disaster" can kill our golden goose like how Thanos decides to snap his fingers.<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgjld0e3JLibtfwUg3WynKgzwqd-Q5LiVEr2lFXoxjgN08j49pKAWkFSCxhC-_umteYjAQ820tGLngJAstsa2KCZ225PvW69FpIPVSeUTqZn0ELMVZVs6FJLlb4UMpzqytAIjvdeG2kFeA/s1600/FINGER+SNAP+EXPECTATION+VS+REALITY.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="767" data-original-width="663" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgjld0e3JLibtfwUg3WynKgzwqd-Q5LiVEr2lFXoxjgN08j49pKAWkFSCxhC-_umteYjAQ820tGLngJAstsa2KCZ225PvW69FpIPVSeUTqZn0ELMVZVs6FJLlb4UMpzqytAIjvdeG2kFeA/s400/FINGER+SNAP+EXPECTATION+VS+REALITY.png" width="345" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Sarang Hae~ *snaps*</td></tr>
</tbody></table>
Two of my colleagues were <strike>asked</strike> told to leave without any warning whatsoever with only about 2 hours notice. This event hit me and my colleagues hard. We were always told our company was doing well. Suddenly, we realised the fragility of our jobs and how we could not take them for granted. In the fast moving globalised world, we could be replaced any minute and have nothing to fall back on.<br />
<br />
There were some lucky ones who might go through a similar ordeal which turns out to be a blessing in disguise and ended with a better paying job but many others will not be as lucky and still remain jobless.<br />
<br />
Nonetheless, it must have a great mental torture and stress through the ordeal of loosing the goose.<br />
<br />
<b><span style="color: red;">Question: Do I (we) have a backup plan?</span></b><br />
<br />
<span style="color: blue; font-size: large;"><b>Story #2: </b></span><span style="color: blue; font-size: large;"><b>Misfortune of a close friend</b></span><br />
<br />
I have a friend who works himself very hard to find more avenues of earning money. So he did a part time delivery in his spare time. However, he lacked sleep and was burning candles on either side to squeeze more golden eggs from his goose. He started to turn up late often at work and turned in work with poor quality.<br />
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBypxFTpMBgqCBkxAbbmSlz2F_EOm9bbXX1WSrAmHFdzkwnPoOztMtDBuw9sKmh_38g7uBZTMDa4XaF22EQskDocUVmy-OYQbPMjuSrY16gdN4HX4YFmsUjUI5knEiPHaDqFGTwSK6Qi0/s1600/restart+game.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="495" data-original-width="650" height="303" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBypxFTpMBgqCBkxAbbmSlz2F_EOm9bbXX1WSrAmHFdzkwnPoOztMtDBuw9sKmh_38g7uBZTMDa4XaF22EQskDocUVmy-OYQbPMjuSrY16gdN4HX4YFmsUjUI5knEiPHaDqFGTwSK6Qi0/s400/restart+game.png" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Life is not a game. You can't just save and restart again.</td></tr>
</tbody></table>
<br />
One evening, he went out on that part time after his day job as usual.<br />
<br />
Unfortunately, this time, his concentration lapsed and in a split second, he got into an accident. He suffered injury and loss time which affected his main work and instead of earning money, had to pay for his medical bills. Worse, his employers were not thrilled about his moonlighting.<br />
<br />
It was of course easy to make hindsight comments but it is probably fair to say it probably wasn't worth it and my friend has to shoulder part of the blame for his situation.<br />
<br />
<b><span style="color: red;">Question: Are we getting more than we bargained for in a bid to rush the golden eggs?</span></b><br />
<br />
---------------------------------------------------------------------------<br />
<b><span style="font-size: large;"><br /></span></b>
<b><span style="color: red; font-size: large;">What are we planning/doing so that we can take care of our Golden Goose better? </span></b><br />
<br />
Story #1 was probably a good example of how we could lose our goose without our fault. Story #2 was probably an example of how wanting to earn more can backfire when we pushed ourselves to our human limits (there are just 24 hours each day and we can't trade rest time without suffering consequences).<br />
<br />
Events like these make <b><span style="color: red;">K.C.</span></b> think. Barring actions that shoot ourselves in the foot, of course ideally, we would want to plan for our careers in such a way that we grow our income and achieve advancement/promotions at work. But to do this requires us to plan ahead to know what we want. This would be best if we already know what we want to do in the future.<br />
<br />
If what is going on around the world is a good yardstick, my take is that our diplomas and degrees will be worth lesser in the future. This is because more people are getting them, this "cheapens" the worth of our degrees despite us having paid a handsome sum to get them. There are now many graduates around the world who have been taught this age old method of: Study hard, get a job and be set for life. <a href="https://www.forbes.com/sites/quora/2018/01/08/why-are-so-many-college-graduates-unemployed/#2823cfb67fef">The only thing is that many are not getting employed because companies don't need their skills and they are out of luck.</a><br />
<br />
In my opinion, the degrees are still likely useful as an entry point, but thereafter accumulating experience and professional certification become much more useful.<br />
<br />
In an ideal world situation:<br />
<br />
<b><i>Education > Work/Career > Experience + Professional Certs > Advancements.</i></b><br />
<br />
However, most of us might not have crystal balls and don't have an inkling of what we want in life early on. By the time we work, we might already be doing what we do not like. Commitments in life also make it tough to go for career switch and events like retrenchment would be doubly painful.<br />
<br />
The next best possible thing we could do is probably to plan realistically based on our current situation.<br />
<br />
<span style="color: red; font-size: large;"><b>What could one do to minimise the impacts of unforeseen circumstances? </b></span><br />
<br />
For circumstances like retrenchment, one can practically:<br />
<br />
<br />
<ul>
<li>Cut down on unnecessary expenses. e.g subscriptions</li>
<li>Downgrade lifestyle if possible (but not burning another side of candle)</li>
<li>Keep an emergency fund of at least 6-9 months of living expenses in the bank</li>
<li>Start thinking of Plan A: Building a career advancement (so you are not <i>easily </i>replaceable)</li>
<li>Start thinking of a Plan B: In case you are retrenched.</li>
</ul>
<br />
<br />
<b style="color: red; font-size: x-large;">What could one do to increase employability/advancements?</b><br />
<div>
<br /></div>
<div>
Well, the next better thing we could do is to upgrade/diversify our skill sets so that they contribute to our careers or act as backup plans. Maybe the recent happenings were a wakeup call to not be complacent. Either way, it beats staying in comfort zone.</div>
<br />
<b><span style="font-size: x-large;"><span style="color: #0b5394;">Skills</span><span style="color: red;">future</span><span style="color: #990000;"> </span></span></b>(This is not a sponsored post)<br />
<br />
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgHC3IypW5mHvbdxAU-n510y_p11zKda4qBInDEpzRQFVmEOvA5UFkH706tFwMvm0hF2bQM6X2BNJeotb-rhvPPcNUgAxPxIWs-qEbSGTeza6b6dL9hDs4qwPZWvSXXsexieYf4LXEIUd4/s1600/SkillsFuture-Year-End-Review-2018.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto; text-align: center;"><img border="0" data-original-height="566" data-original-width="800" height="452" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgHC3IypW5mHvbdxAU-n510y_p11zKda4qBInDEpzRQFVmEOvA5UFkH706tFwMvm0hF2bQM6X2BNJeotb-rhvPPcNUgAxPxIWs-qEbSGTeza6b6dL9hDs4qwPZWvSXXsexieYf4LXEIUd4/s640/SkillsFuture-Year-End-Review-2018.jpg" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Source: <a href="https://www.skillsfuture.sg/Newsroom">https://www.skillsfuture.sg/Newsroom</a></td></tr>
</tbody></table>
In 2016, Skillsfuture was set up in Singapore to encourage Singaporeans to have a "lifelong learning" attitude. Singaporeans aged 25 and above were given a one time $500 credit and are eligible for subsidy if they sign up for courses that improve themselves. SkillsFuture<a href="https://www.straitstimes.com/singapore/singapore-budget-2015-every-singaporean-above-25-to-get-500-for-a-start-under-skillsfuture"> also pour $1billion a year of our taxpayer money on initiatives such as career guidance for students, enhanced internships, and subsidies for mid-career learning, among others.</a><br />
<br />
I was considering taking masters/ recognised courses especially in the wake of the company's retrenchment exercise and it was honestly one of the first time I took a look in detail at the courses offered. The amount of subsidy was quite high for certain courses and one receives more subsidies if he /she was older than 40.<br />
<br />
As it stands, barring <a href="https://www.channelnewsasia.com/news/singapore/suspects-charged-in-s-40m-skillsfuture-claims-scam-9510226">the scandal that cheated the government </a>of $40million, many Singaporeans like myself still have not utilised them for a variety of reasons.<br />
<br />
I would personally encourage our fellow Singaporeans to take a detailed look to see if any course would help in your career. If you are already doing well in your career, you might want to use it to take a course that improves a hobby (e.g. photography). There is nothing to lose here, well, maybe some time commitment.<br />
<br />
Recently, some of my friends also started to take IT classes in Singapore polytechnic as a plan B as well as to keep relevant.<br />
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjnKncgwodxrb-5MC2scb-EoBOszJ5aKstizqwmdEbNHnzSMXV6_Tj_A-DFmNsaUXBVGxzJtQV3auxQrqIKHIzoozrHKv3k6KHPzMIIeLqCC3AZJIhfOna1tfFYwgxJmDSl2NNAW7DYWQk/s1600/IMG_4433.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1200" data-original-width="1600" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjnKncgwodxrb-5MC2scb-EoBOszJ5aKstizqwmdEbNHnzSMXV6_Tj_A-DFmNsaUXBVGxzJtQV3auxQrqIKHIzoozrHKv3k6KHPzMIIeLqCC3AZJIhfOna1tfFYwgxJmDSl2NNAW7DYWQk/s400/IMG_4433.JPG" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">K.C. recently went to NTUC training hub to sign up for a one year course.</td></tr>
</tbody></table>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEio2hVLBcw0upo0fA2xVqr1y-E2s_KY6FkDjIOEeB53Vo7IPSEhz51kxmYlvybfFfurOv8QB4Lb9QueBnZBhHvwkPqiqFyQWJbqv0-lY1BmBLbqsxAez5-q8OgyE6YUPjkz2kxJmav9zS0/s1600/IMG_4434.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1200" data-original-width="1600" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEio2hVLBcw0upo0fA2xVqr1y-E2s_KY6FkDjIOEeB53Vo7IPSEhz51kxmYlvybfFfurOv8QB4Lb9QueBnZBhHvwkPqiqFyQWJbqv0-lY1BmBLbqsxAez5-q8OgyE6YUPjkz2kxJmav9zS0/s400/IMG_4434.JPG" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">A wide variety of courses available to choose from.</td></tr>
</tbody></table>
The well-built Devan Nair institute at Jurong East (Employment and Employability Institute) speaks volumes of how much funds our government has poured into creating all the Skillsfuture ecosystem.<br />
<br />
Singaporeans like myself are a bunch that likes to complain. The question is after complaining, what are some actionable steps we have taken to improve ourselves? Will your future self be grateful to you?<br />
<br />
<div style="font-size: 12.8px;">
<span style="font-size: small;">Until Next Time, </span><br />
<span style="font-size: small;"><br /></span></div>
<div style="font-size: 12.8px;">
<b><span style="color: red; font-size: x-large;">K.C.</span></b></div>
<div style="font-size: medium;">
<i>If you like this post, you might <a href="https://www.facebook.com/30yroldinvestor/">like our facebook page</a> as well. </i><i>I'm also on <a href="https://www.investingnote.com/users/kc_30#/?display=profile&user=kc_30&tab=latest">Investing Note</a>.</i></div>
<div style="font-size: medium;">
<br /></div>
<div style="font-size: medium;">
<span style="font-size: large;"><b>Related topics:</b><br />1. <a href="https://30yearoldinvestor.blogspot.com/p/about-me.html">About K.C. What is my story?</a><br />2. <a href="https://30yearoldinvestor.blogspot.com/2018/02/my-3c-money-investing-philosophy.html">My 3Cs to money/investing</a><br />3. <a href="https://30yearoldinvestor.blogspot.com/2018/07/if-you-spend-what-you-earn-you-need-to.html">Why you need to set aside money for savings first</a></span><br />
<span style="font-size: large;">4. </span><span style="font-size: large;"><a href="https://30yearoldinvestor.blogspot.com/2018/11/interview-process-cycle-how-to-increase.html">Interview process cycle: How to increase your interview rates</a></span><br />
<span style="font-size: large;">5. <a href="https://30yearoldinvestor.blogspot.com/2018/12/2018-year-end-review.html">My 2018 Year end review</a></span></div>
<br />
<i><span style="color: #cc0000;">Disclaimer: The views expressed, opinion and information in this article are strictly for informational purposes to encourage educational discussions only. It is important to conduct your own analysis before making any investment decisions based on your own personal circumstances. You should take reasonable measures such as seeking independent financial advice from professionals and/or independently research and verify the information that you find on "30 Year Old Investor" before undertaking any important investment decisions. No content on this site constitutes - or should be understood as constituting - a recommendation to enter any securities transactions or to engage in any of the investment strategies presented in our site content. We do not provide personalised recommendations or views as to whether a particular stock or investment approach is suitable to the financial needs of a specific individual. No representation or warranty expressed or implied is made as to, and no reliance shall be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained on this website. "30 Year Old Investor" shall not be liable whatsoever for loss or damages of any kind arising from the result of any use, reliance or distribution of the articles or its contents from information contained on this website. </span></i>30YearOldInvestorhttp://www.blogger.com/profile/18442456587123026225noreply@blogger.com4tag:blogger.com,1999:blog-7295314650616694802.post-47433526692347345162019-03-10T03:26:00.002-07:002019-03-10T05:49:56.063-07:00Creative: My (un)biased analysis on Sxfi and Shares<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiO-uibR_HwWri7svchvAysEQHF0tm9nY_cUs4azFxGpzQz0eb17wWwXu_Q71UJwAlYcV1JybL69We6ilP2wwtBIYMjv1HhgrRciaHWqLmhsP4CPF1VEROCNEVhq3NeZLv5CGRIBTiAb8E/s1600/Sim+wong+hoo.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="475" data-original-width="822" height="368" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiO-uibR_HwWri7svchvAysEQHF0tm9nY_cUs4azFxGpzQz0eb17wWwXu_Q71UJwAlYcV1JybL69We6ilP2wwtBIYMjv1HhgrRciaHWqLmhsP4CPF1VEROCNEVhq3NeZLv5CGRIBTiAb8E/s640/Sim+wong+hoo.PNG" width="640" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
</div>
In this review I will mainly analyse 2 things:<br />
1. Creative's new S-XFi tech<br />
2. Creative technology's C76 stock.<br />
<br />
<b style="color: #b45f06; font-size: xx-large;">Creative: </b><br />
<span style="color: #b45f06; font-size: x-large;"><b>The company that survived transitions.</b></span><br />
<br />
Creative is a brand-name that rings a bell for many Singaporeans. Set up in 1981, it has seen its fair share of success in its Sound Blaster cards to its "challenges" in fighting Apple over patents (its Zen Touch vs the Apple Ipod.) How has Creative managed to survive it all is no simple feat and as <b><span style="color: red;">K.C.</span></b> researched into its history, one cannot help but be inspired by its story. It has now survived long enough to launch its next big thing: The Super X-Fi range of personalised audio holography.<br />
<br />
<blockquote class="tr_bq">
<b><i>He that fights and runs away, May turn and fight another day; But he that is in battle slain, Will never rise to fight again. - Tacitus</i></b></blockquote>
<br />
<b><span style="color: #3d85c6; font-size: large;">OKAY.</span></b> So, <span style="color: red;"><b>K.C.</b></span> saw extensive reviews online since last year on Creative's new Super XFi technology and fellow users at Investing Note have been recommending it as well, especially its new Super xfi Air headphones. <b style="color: red;">K.C. </b>therefore decided that he had to go to the IT fair on 8/3/2019 to see and hear the hype for myself.... and ended up going home with a pair of new Super xfi Air headphones.<br />
<br />
<b style="color: red;">K.C.</b> would like to say that he is un-biased but having bought the technology and its shares before <b style="color: red;">K.C.</b> will leave you as the reader to decide for yourselves if his analysis is indeed biased.<br />
<br />
First off, <b style="color: red;">K.C.</b> would just like to say that Creative (SGX:C76) is one of those stocks that he burnt almost $1,000 in trading as a newbie investor and he will share a little more of how that came to be and the lessons learnt from it. So in fact, <b style="color: red;">K.C.</b> has a reason to post negative reviews (but of course I'm not going to la)! <span style="font-size: 18px;">😂</span><span style="font-size: 18px;">😂</span><span style="font-size: 18px;">😂</span><br />
<span style="font-size: 18px;"><br /></span>
Anyway, don't take my word for it! Go to the IT fair and hear it for yourselves!<br />
<br />
<div>
<b><span style="color: blue; font-size: x-large;"><u>tl;dr (too long, didn't read) version:</u></span></b><br />
<br />
I'm probably very excited about the tech as an end user, but not so much from an investor point of view about its shares. This company will probably still continue to survive the next 10-15 years.<br />
<br />
1. Creative's new S-XFi technology is indeed a value for money product that targets the mass market. The survivability of the business has been centered around constant innovation, patenting new technology arising from its R&D and moving into higher end consumer market. As an end user of its holographic audio series of product, I have to say, I'm honestly impressed and am enjoying the joy it brings to my late night entertainment without having to disturb my family.<br />
<br />
2. Interest in Creative technology's C76 stock price has been more or less highly speculative because as of now we have not seen the new technology bring in consistent profits for Creative (yet). From a business point of view, the company is likely to survive the next 10-15 years given its direction in constant R&D and how it smartly patent its technology. From an investing point of view, the company's financials have not been doing so well for some time since its fall many years ago. Revenue has been constantly dropping over the last few years with challenges in the consumer market. It remains to be seen whether the award winning technology can indeed breathe new life into the company's financials and share price. Holographic audio is perhaps a new area but the headphone market is dominated by big players that Creative have to navigate and overcome to establish itself.<br />
<br />
Below are some of <b><span style="color: red;">K.C.</span></b>'s thoughts on why this is so.<br />
<br />
<b><span style="color: blue; font-size: x-large;"><u>Long version:</u></span></b><br />
<u><b><span style="color: red;"><br /></span></b></u>
<b><span style="color: #cc0000; font-size: large;">HEADPHONES/SXFI TECH</span></b><br />
<br />
Tucked away on the 6th floor of the IT show at Suntec Convention Hall 601, from 7-10 March, the IT show pulled in crowds while some other stores beside had only a few customers (pictures will prove my point later). As of posting of this article, you still have a few hours to hear it for yourselves at the IT fair.<br />
<br />
The IT show really tells us why the new products are such a success.<br />
<br />
<span style="color: #cc0000; font-size: large;"><b>Why is it such a hit? (The Pros & Cons)</b></span><br />
<br />
<b>1. Affordability:</b><br />
<br />
At around $200, the products fall within the affordable range for most consumers. Good move.<br />
<br />
<ul>
<li>S-XFi Amp Deal $199 comes with a certified Aurvana SE headphone. (Dongle)</li>
<li>The new headphones are probably worth your money at $219<br />(IT show price and comes with free earpiece). <i>Don't take my word for it. Hear it for yourself.</i></li>
<li><a href="https://www.hardwarezone.com.sg/itshow/brochure/creative/#.XITCkCgzaUk">Brochures for other products can be found here.</a></li>
</ul>
<br />
<br />
<b>2. Functionality, design and experience:</b><br />
<b><br /></b>
Sim Wong Hoo and his team have seemingly put alot of thought into the design, user experience, marketing to target the mass market, aka. People of all ages. The overall design is classy and simple. After using it for a night, I can say that the user interface is mostly intuitive. The connections for the headphone is more straightforward compared to the Dongle Amp which is surely a plus going forward. Sim Wong Hoo seems to know what he is doing and where all these is leading. The goal is clear: to provide a fuss free and clean user experience with the new holographic audio.<br />
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLy7fpPZwVi1awR9_4li2sYQR44EXj-rs7-QxH4K4A4UdRbVWyVPMX_fZPA8KFaHQu-cT-hdxcPTVBVTGGP1ZlxusHPHPh7yHwEhxBRvhWoUhEqC1QXEG-njdv1zKdo3dHf6ATog-y6wg/s1600/super-x-fi-amp.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="258" data-original-width="400" height="128" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLy7fpPZwVi1awR9_4li2sYQR44EXj-rs7-QxH4K4A4UdRbVWyVPMX_fZPA8KFaHQu-cT-hdxcPTVBVTGGP1ZlxusHPHPh7yHwEhxBRvhWoUhEqC1QXEG-njdv1zKdo3dHf6ATog-y6wg/s200/super-x-fi-amp.jpg" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="font-size: 12.8px;">S-XFi Amp</td></tr>
</tbody></table>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLue7E8xx2KhvX6SV3ugGcRJd7nxkp2anr9KuEqIvGCTDHejYAYZI-U91D-nO-ltkrSd03U8NvNfU18rPBpwSl81QHt7fF8FUXFSTQGnR5fn424e6dTk5LsLdqvZdE4pKC-2UfaWvui-Y/s1600/Creative_SXFIAir-800x546.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="546" data-original-width="800" height="136" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLue7E8xx2KhvX6SV3ugGcRJd7nxkp2anr9KuEqIvGCTDHejYAYZI-U91D-nO-ltkrSd03U8NvNfU18rPBpwSl81QHt7fF8FUXFSTQGnR5fn424e6dTk5LsLdqvZdE4pKC-2UfaWvui-Y/s200/Creative_SXFIAir-800x546.jpg" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">S-XFi Air. The white ones have been sold out! </td></tr>
</tbody></table>
<div>
<br />
<ul>
<li>S-XFi Amp: Some older folks loved the 3.5mm Dongle Amp because it features a 3.5mm standard ear jack which means they can connect it to their old mp3s.</li>
<li>S-XFi Air: This is no doubt the highlight of this IT show given that many young users have been asking for this. The wireless bluetooth headphone that features touch pads on the left side of its ear cup (which allows you to turn up and lower volume, change tracks or receive calls)</li>
<li>S-XFi Air-C: USB headset for gamers. </li>
<li>Compatibility: The new range of products are widely compatible with a host of popular entertainment products such as the Sony Playstation, Nintendo Switch, Windows and Mac as well as the highly lucrative mobile devices segment. The SD card slot was supposedly insisted by Sim, but might not be a bad idea after all since one can store alot of songs on an SD card these days.</li>
</ul>
<br />
The holographic audio is indeed quite revolutionary, especially when you turn surround sound on for your computer. The difference can be immediately felt. Given that companies like Apple have manufactured phones with no more 3.5mm Jack, the bluetooth connectivity is also a plus.<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEigOS5g0F4ASNA7ZT6PZ7C_Rkpd8ySnVs1OiinqVsXW7X1YloM5c2LATUA1fcc4LAE1NbqJaR6aZVpni-UTC6ycKlihr0Es3GBaaZ9yjkdagHO07Kov-JWLWFmZmNHwGtLXgVgSO8npnZQ/s1600/5.1+Surround.PNG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="414" data-original-width="526" height="313" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEigOS5g0F4ASNA7ZT6PZ7C_Rkpd8ySnVs1OiinqVsXW7X1YloM5c2LATUA1fcc4LAE1NbqJaR6aZVpni-UTC6ycKlihr0Es3GBaaZ9yjkdagHO07Kov-JWLWFmZmNHwGtLXgVgSO8npnZQ/s400/5.1+Surround.PNG" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Turning the surround option on worked wonders on my new S-XFi headphones.</td></tr>
</tbody></table>
<b><br />3. After sales/support:</b><br />
<br />
As can be seen in the series of pictures below, the turquoise blue shirts are the sales staff who provide very important support during the fair:<br />
<br />
<ul>
<li>Payment of the products can be done via online, cutting queue times.</li>
<li>The main con here is that the headphones need manual setup with the SFXI app on playstore or on the App store to scan the user's ear profiles. This can prove a little difficult for some of the customers. But this is where the sales staff shine.</li>
</ul>
<div>
<br /></div>
Sim Wong Hoo even came down personally to the IT show to help customers with the products <strike>today </strike>probably yesterday! (Too bad he wasn't there on Friday) I spoke to many of the sales staff and some older staff who have been with Creative for a long time and they confirmed that Sim is a really humble and down-to-earth CEO. Immense respect for him.<br />
<br />
<a href="https://mothership.sg/2019/03/creative-sim-wong-hoo-it-show/">https://mothership.sg/2019/03/creative-sim-wong-hoo-it-show/</a><br />
<br /></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhkX0iD_4x9_e8VvARXhUTVEgV49OHDTpOEGpk6zeVnUFXhWfRY1GQLnUbZxzrZq0u9fGgNZ07dWsaiqDjpa7g1d-UsE583OCUu7z0ZydfHudyC710SeFbPK0WwgbuqnzKX-DArKe9gQBc/s1600/Sim+wong+hoo+at+IT+show.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1600" data-original-width="1200" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhkX0iD_4x9_e8VvARXhUTVEgV49OHDTpOEGpk6zeVnUFXhWfRY1GQLnUbZxzrZq0u9fGgNZ07dWsaiqDjpa7g1d-UsE583OCUu7z0ZydfHudyC710SeFbPK0WwgbuqnzKX-DArKe9gQBc/s400/Sim+wong+hoo+at+IT+show.jpg" width="300" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Sim Wong Hoo at the IT fair. Source HWZ.</td></tr>
</tbody></table>
<div>
<b><span style="color: blue; font-size: large;">K.C.'s snapshots from IT show</span></b></div>
<div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhgkI5Ips4-deyCev-wMU0qq1-2eDYUKCHoOh47ndEXYT3hVHXC1Q7N5offPxTJrkBp8D8pItT2PwucWsBdUqd4eqMx4gp3tIdAKG9gln2C_u80Ix7yrLyL4GHez01eYmNzFY_DJX8r1BM/s1600/IMG_4335.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1200" data-original-width="1600" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhgkI5Ips4-deyCev-wMU0qq1-2eDYUKCHoOh47ndEXYT3hVHXC1Q7N5offPxTJrkBp8D8pItT2PwucWsBdUqd4eqMx4gp3tIdAKG9gln2C_u80Ix7yrLyL4GHez01eYmNzFY_DJX8r1BM/s400/IMG_4335.JPG" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">There were many buyers of all ages of the new Tech at the IT fair. A good sign to me.</td></tr>
</tbody></table>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><img border="0" data-original-height="1200" data-original-width="1600" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjlQTPQVeb9ql3B6iuxTr7kSQX97MI-oKJSRh1hlq0w2rFqqj1jZf4-iVw5yKbdTpHhg3fHBd-8j4KsRJoxF8j6LVKikHpNXEyoKKvv6Ot5EcAeaM7Cxy9rwJCkAS0hxgZwZ0J1QgP6Q7s/s400/IMG_4338.JPG" style="margin-left: auto; margin-right: auto;" width="400" /></td></tr>
<tr><td class="tr-caption" style="text-align: center;">A well-rehearsed sales speech delivered with Live demonstration to WOW the audience.</td></tr>
</tbody></table>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiOQUKkdU1MaS9LXGrR-s61aQ-VV6wqeADuMU2WKMGU8WXl_Rlk3MyxnYxEwfC3spVcMUK1EdzsFEcfXmfKKbp3UTZ2XTHhGEIuPGcTXF22dAyFads5vTmQN8A-CdRFBGijka3TXMrHTgM/s1600/IMG_4342.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1200" data-original-width="1600" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiOQUKkdU1MaS9LXGrR-s61aQ-VV6wqeADuMU2WKMGU8WXl_Rlk3MyxnYxEwfC3spVcMUK1EdzsFEcfXmfKKbp3UTZ2XTHhGEIuPGcTXF22dAyFads5vTmQN8A-CdRFBGijka3TXMrHTgM/s400/IMG_4342.JPG" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">The crowd and interest is real. </td></tr>
</tbody></table>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh9U_Gpn_Ot2ivUyeWBNSuudUnEzL7UAPsJ1rDRAhnpop2ZUXArmXsNzU1syur-PdY9gt45wd18SfqfwfwrgMMGRANP2D3LSQafgvy7-MMLhXUBw2zymugANpxkVkoD4JJmrz3WBDfdTQE/s1600/IMG_4345.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1200" data-original-width="1600" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh9U_Gpn_Ot2ivUyeWBNSuudUnEzL7UAPsJ1rDRAhnpop2ZUXArmXsNzU1syur-PdY9gt45wd18SfqfwfwrgMMGRANP2D3LSQafgvy7-MMLhXUBw2zymugANpxkVkoD4JJmrz3WBDfdTQE/s400/IMG_4345.JPG" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">The crowd speaks for itself.</td></tr>
</tbody></table>
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</div>
<div>
<i><span style="color: #cc0000; font-size: large;"><b><br /></b></span></i></div>
<div>
<span style="color: #cc0000; font-size: large;"><b>Creative Technology Stock <a class="bold black" href="https://www.investingnote.com/stocks/SGX:C76" style="box-sizing: border-box; font-family: helvetica, arial, sans-serif;">SGX: C76</a></b></span><br />
<br />
Moving on to Creative shares, I'm really impressed with the way the business is run because it survived so much over the years. From its founding in 1st July 1981, it as seen its fair share of successes mainly due to its 1989 Sound Blaster device to being publicly listed on the NASDAQ in 1992 on the back of its successes on the cards.<br />
<br />
From 1996 to early 2007, it suffered some setbacks and also most notably known for its legal fight with Apple for infringements relating to user interface technology in its Zen touch vs Apple's Ipod. While it got $158 million from Apple as a one-time licensing rights, it lost sales, delisted and cut back on operations and jobs.<br />
<br />
It has since continued to innovate to stay relevant with a range of other products most notably its recent Super X-Fi Technology. One good thing I like about Creative is the way it focuses on R&D and patenting its technologies to protect itself. It also has no outstanding debts, which is a huge plus for any operating company. (Look no further to Hyflux for a company who imploded itself with aggressive debt loading to expand its business)<br />
<br />
<u><a href="http://eresources.nlb.gov.sg/infopedia/articles/SIP_1200_2010-07-23.html">Creative's Timeline History can be found here</a>.</u><br />
<u><br /></u>
First off, as mentioned Creative was one of those stocks I burnt a painful hole in my pocket during my first year as an investor. This was largely down to my short term trading strategies and inexperience in chasing a stock that had already run up in a FOMO (fear of missing out) manner.<br />
<br />
Creative shares "exploded" from $1.20s range to almost $10 back in March 2018. This was prior to the<a href="https://www.straitstimes.com/tech/audio/creative-launches-highly-anticipated-super-x-fi-amp"> launch of its Super X-fi Amps in September</a>. I remember buying at around $6 thinking it might just go back higher. This was a huge mistake at that point of time because the physical product had not been launched. Creative was still on the back of dropping revenues/ profits which meant that it had not overturned its years of losses despite it being debt free.<br />
<br />
<span style="color: red;">*One important point of note </span>was that the revenue from<span style="color: red;"> <a href="https://www.businesstimes.com.sg/companies-markets/creative-technology-in-the-black-in-q4-on-gains-from-lawsuit-award-against-huawei">some of these years could be from patent legal claims</a> </span>and not from sales of its products which we ought to be more interested in. Discounting this would probably mean a worse figure while overall cash flows are still negative. <br />
<span style="color: red;"><br /></span>Again, however, the good thing is that Creative has no debts despite its dropping financial statistics:<br />
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXwtxdcL2FuqnmJg5bsmpQPoM0JPjmfNNwhHvX266CRISqeBaLqUdNhFo325zV6gr3s8MbwthGmj336z9TjCnWZRDwNqIf5jLmp2rK55V6U4G6GYaXcbmbqKqPwayJ5mSDh7g32GLl4nU/s1600/Creative+revenue.PNG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="459" data-original-width="681" height="267" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXwtxdcL2FuqnmJg5bsmpQPoM0JPjmfNNwhHvX266CRISqeBaLqUdNhFo325zV6gr3s8MbwthGmj336z9TjCnWZRDwNqIf5jLmp2rK55V6U4G6GYaXcbmbqKqPwayJ5mSDh7g32GLl4nU/s400/Creative+revenue.PNG" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Creative's Total Revenue in millions since 2015. Source SGX.</td></tr>
</tbody></table>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhFtA9KdH6hcmfFaJI6zLbChdXV7birJcFkWl-quu5eQKUmPpSG2v0Ib7i9N_Wu2_wQFjDYQ7W4mI4xvtFY7Kcb8tEMBW7I5ld9jk2WzHxhyAeAtOJayhmkwsec38D59WkTwHlAaF-8xSI/s1600/Creative+gross+profit.PNG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="465" data-original-width="650" height="285" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhFtA9KdH6hcmfFaJI6zLbChdXV7birJcFkWl-quu5eQKUmPpSG2v0Ib7i9N_Wu2_wQFjDYQ7W4mI4xvtFY7Kcb8tEMBW7I5ld9jk2WzHxhyAeAtOJayhmkwsec38D59WkTwHlAaF-8xSI/s400/Creative+gross+profit.PNG" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Creative's Gross Profit in millions since 2015. Source SGX.</td></tr>
</tbody></table>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgqlMr61hDAQLrxtnJS5R7vpDwvLM9b_o3hyphenhyphen9QnhJ0Hi0WFxBYCXC69Mfvc8XlqFfZjjh1LxPWVb4Me44mslW2ixJq6Zm9ojA0Ylx0dgnrKnD3xE4egLZCVpP3VHR2oZEfMfCg79Hd2Qxw/s1600/Net+change+in+cash.PNG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="450" data-original-width="709" height="253" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgqlMr61hDAQLrxtnJS5R7vpDwvLM9b_o3hyphenhyphen9QnhJ0Hi0WFxBYCXC69Mfvc8XlqFfZjjh1LxPWVb4Me44mslW2ixJq6Zm9ojA0Ylx0dgnrKnD3xE4egLZCVpP3VHR2oZEfMfCg79Hd2Qxw/s400/Net+change+in+cash.PNG" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Creative's Net income and Cash Flows in millions since 2015. Source SGX.</td></tr>
</tbody></table>
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<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjoks3-hO442SvJLwYhLRwX85ydBvJbRttteGgBjYLMYIcJPbVKXu7yK0HugfSF8ewkmvNRyINMuYYPf4p1kspeGQ6wrX_u4VIUFUVP9SXK_CSwQqceW-hffbmx1zaYG9WG3ZIrUUqWfrw/s1600/Creative+chart.png" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" data-original-height="892" data-original-width="1600" height="355" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjoks3-hO442SvJLwYhLRwX85ydBvJbRttteGgBjYLMYIcJPbVKXu7yK0HugfSF8ewkmvNRyINMuYYPf4p1kspeGQ6wrX_u4VIUFUVP9SXK_CSwQqceW-hffbmx1zaYG9WG3ZIrUUqWfrw/s640/Creative+chart.png" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Creative shares "exploded" from $1.20s range to almost $10 back in March 2018. It closed $4.90 on 8/3/2019.</td></tr>
</tbody></table>
<br />
<br />
<br />
<br />
<br />
<br />
<b><span style="color: red; font-size: large;"><br /><br />Lessons learnt for K.C. : </span></b><br />
<br />
<b><u>Never ever</u></b> chase stocks that have run up (for short term trading).<br />
- Margin of safety is compromised/lesser<br />
- Room for more increase is limited<br />
- Others would be profit taking<br />
<br />
Looking back, many investors/short term traders profiteered from speculation of the highly anticipated super xfi product. I'm sure many were also burnt in the process who were blindly following, late to the party and not understanding what was happening (myself included).<br />
<br />
Indeed, at this point of time, given the financials of the company, buying Creative's shares is akin to taking a punt and gambling that it will start to show some success in its newly minted crowned jewel product - the Super X-Fi. Like I mentioned above in my summary of the tl;dr version, Creative still has a lot of ground to make in terms of establishing itself in the hotly contested headphones arena which are dominated by many other big brand names selling high-end digital audio products.<br />
<br />
Creative as a company can definitely survive. The share price is however another matter altogether.<br />
<br />
If there is any encouragement, the response from the IT fair looks favourable indeed.<br />
<br />
More astute and long term investors would likely adopt a wait-and-see attitude to see if the numbers show a turnaround. And at this level, Creative shares might not seem a very enticing stock to invest in given there are other choices while waiting for it to show signs of recovery.<br />
<br />
I for one, certainly hope that a local brand like Creative would soar again.<br />
<br />
p.s. Vested for short term punt.<br />
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEit8SijvaJgBMppwnLyQaTABU6v2ECYRNtgbgb68OoIY4XYiwNbZHrEJuQwLa8eUQI1wIJAgKgYFE6woEXp-pkxxynzIp2-tvJ9Tx_UrAt7rms7kOg4I5VBKz65Xo3dA_d2WuZ9RvFcteM/s1600/IMG_4346.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1200" data-original-width="1600" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEit8SijvaJgBMppwnLyQaTABU6v2ECYRNtgbgb68OoIY4XYiwNbZHrEJuQwLa8eUQI1wIJAgKgYFE6woEXp-pkxxynzIp2-tvJ9Tx_UrAt7rms7kOg4I5VBKz65Xo3dA_d2WuZ9RvFcteM/s400/IMG_4346.JPG" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">p.s. Another of my favourite local SG brand: Secretlab chairs!</td></tr>
</tbody></table>
<div style="font-size: 12.8px;">
<span style="font-size: small;">Until Next Time, </span><br />
<span style="font-size: small;"><br /></span></div>
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<b><span style="color: red; font-size: x-large;">K.C.</span></b></div>
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<i>If you like this post, you might <a href="https://www.facebook.com/30yroldinvestor/">like our facebook page</a> as well. </i><i>I'm also on <a href="https://www.investingnote.com/users/kc_30#/?display=profile&user=kc_30&tab=latest">Investing Note</a>.</i></div>
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<span style="font-size: large;"><b>Related topics:</b><br />1. <a href="https://30yearoldinvestor.blogspot.com/p/about-me.html">About K.C. What is my story?</a><br />2. <a href="https://30yearoldinvestor.blogspot.com/2018/02/my-3c-money-investing-philosophy.html">My 3Cs to money/investing</a><br />3. <a href="https://30yearoldinvestor.blogspot.com/2018/07/if-you-spend-what-you-earn-you-need-to.html">Why you need to set aside money for savings first</a><br />4. <a href="https://30yearoldinvestor.blogspot.com/2018/12/2018-year-end-review.html">My 2018 Year end review</a></span></div>
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30YearOldInvestorhttp://www.blogger.com/profile/18442456587123026225noreply@blogger.com3tag:blogger.com,1999:blog-7295314650616694802.post-68999495199952504822019-02-24T05:03:00.001-08:002019-02-24T09:40:32.278-08:00When investments go south: Painful lessons to learn<span style="font-size: x-small;">15 min read</span><br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhZNZgxNHWCq9AQCbUqzV_dpn3Ip3v7DPDYQDqs_rPIMfFNltqvP_PYCU_hWteKWAQPSk9SM60mJafOcQieL5cvnhrQBn60AQRw3SKKvXeNUW4D3P17oW19l28QsQqYcO13BsABaRLC-FE/s1600/If+education+is+expensive.PNG" imageanchor="1" style="clear: left; display: inline; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="626" data-original-width="1185" height="337" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhZNZgxNHWCq9AQCbUqzV_dpn3Ip3v7DPDYQDqs_rPIMfFNltqvP_PYCU_hWteKWAQPSk9SM60mJafOcQieL5cvnhrQBn60AQRw3SKKvXeNUW4D3P17oW19l28QsQqYcO13BsABaRLC-FE/s640/If+education+is+expensive.PNG" width="640" /></a><br />
<br />
Investors lose money all the time. It is not the first time and it won't ever be the last. Often, retail investors who couldn't afford to lose their hard-earned money fall victims to their own greed and are also done in by their utter lack of due diligence/incompetency in the investments they put their money in.<br />
<br />
Many lost money through unregulated investment schemes and frauds hatched to swindle money. But, what about the "supposedly regulated" stocks or securities listed on the SGX, the bond market supposedly governed by regulations in Singapore? This certainly raises eyebrows.<br />
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhkiH0IiTLdQh8k6Y5ODHHzb-K6W-_PpdGyohuOMExyJ9upn97ZRHTQTCPhc-3GSa9B0FslF66SWK6bQUAFy0CUs2G4dkLpm_OGJJhQ2kHilQ4_phTpL2A0xz95ef5aU7SZ4Zc0mbjyUXc/s1600/man-lose-cpf-protest-singapore.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto; text-align: center;"><img border="0" data-original-height="957" data-original-width="1500" height="255" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhkiH0IiTLdQh8k6Y5ODHHzb-K6W-_PpdGyohuOMExyJ9upn97ZRHTQTCPhc-3GSa9B0FslF66SWK6bQUAFy0CUs2G4dkLpm_OGJJhQ2kHilQ4_phTpL2A0xz95ef5aU7SZ4Zc0mbjyUXc/s400/man-lose-cpf-protest-singapore.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Curious case of a retiree parading outside a local bank. Just what did he invest in?<br />
Sounds like very poor due diligence.</td></tr>
</tbody></table>
<div>
As a frequent reader of 30 Year Old Investor, you would know by now that <b><span style="color: red;">K.C.</span></b> always advocates against putting our money with unregulated "alternative investments". As shared <a href="https://30yearoldinvestor.blogspot.com/2018/06/major-red-flags-for-mlms-avoid-at-all.html">in a previous blog post</a>, I suggested that we avoid MLMs or such investment schemes at all cost because they usually show these red flags:</div>
<div>
<div>
<br />
<ul>
<li>High guaranteed returns (Too good to be true)</li>
<li>Short time frames of investment</li>
<li>Limited time offer (artificial scarcity)</li>
<li>Introduce more friends to get kickbacks</li>
<li>Not regulated by MAS/on alert list</li>
</ul>
<div>
<br /></div>
And indeed from time to time, we see some of these unregulated alternative investments implode and make the news: <br />
<br />
<span style="color: blue; font-size: large;"><b>Case in point: Sunshine Empire</b></span><br />
<a href="https://www.straitstimes.com/singapore/courts-crime/guilty-as-charged-sunshine-empire-duped-investors-james-phang-wah-2006">https://www.straitstimes.com/singapore/courts-crime/guilty-as-charged-sunshine-empire-duped-investors-james-phang-wah-2006</a><br />
Sunshine Empire was an elaborate Ponzi Scheme set up in 2006 that cheated investors a total of almost $190 million. Only $21 million was recovered.<br />
<br />
<blockquote class="tr_bq">
<i>Victims of the scam told local newspapers at the time that they had been "naive" and "stupid".<br />"I was naive and foolish," one undergraduate told The New Paper. She had put in $66,000 into the scheme, using money borrowed from her parents. "I really thought it was easy money."</i></blockquote>
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<span style="color: blue; font-size: large;"><b>Case in point: Macro Realty Developments </b></span><br />
<a href="https://www.straitstimes.com/singapore/courts-crime/sporeans-victims-in-australian-ponzi-scam">https://www.straitstimes.com/singapore/courts-crime/sporeans-victims-in-australian-ponzi-scam</a><br />
This Australian based Ponzi scheme that raised approximately A$100 million (S$107 million) had 981 investors from Singapore, 651 from Malaysia, 58 from Britain, 17 from continental Europe and 31 from Australia. (2014- 2016)</div>
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<br />
<blockquote class="tr_bq">
<i>Said a female corporate executive who had invested in the scheme for long-term gain: "I am distressed and devastated, and trusted too much in the system."</i></blockquote>
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<span style="color: blue; font-size: large;"><b>Case in point: Profitable Plots</b></span><br />
<span style="color: blue;"><a href="https://www.asiaone.com/singapore/profitable-plots-case-directors-jailed-3million-scam">https://www.asiaone.com/singapore/profitable-plots-case-directors-jailed-3million-scam</a></span><br />
Investors lost around $3.1 million in the Boron bonds scheme between November 2008 and August 2010. The two directors of land banking firm Profitable Plots promised 12.5 per cent in returns within six months.<br />
<br />
<span style="color: blue;"><b><span style="font-size: large;">Case in point: Ecohouse Group</span></b><br /><a href="https://www.straitstimes.com/singapore/housing/too-good-to-be-true-property-deals-that-turned-sour">https://www.straitstimes.com/singapore/housing/too-good-to-be-true-property-deals-that-turned-sour</a></span><br />
London-based EcoHouse enticed many investors with its unique proposition of investing in social housing in Brazil. Investors were asked to shell out at least £23,000 ($47,150) in exchange for an impressive 20 per cent fixed rate of return for a 12-month contract. The scheme reportedly attracted over 2,000 investors globally, while at least 800 people in Singapore were said to have ploughed about $65 million into the scheme since 2011.<br />
<br />
<b style="color: #cc0000; font-size: x-large;">But, what about the "supposedly regulated" stocks or securities listed on the SGX, the bond market supposedly governed by regulations in Singapore?</b><br />
<b style="color: #cc0000; font-size: x-large;"><br /></b>
Are you seeing a pattern here? It is always amazing how such plots and schemes repeatedly lure unsuspecting investors. However, if we think investing in regulated securities means we are much safer, we couldn't be more wrong. A combination of changing markets can just as easily sink companies that are not so prudent.<br />
<br />
<b style="color: blue;"><span style="font-size: x-large;">Most recent case in point: Hyflux</span></b></div>
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Lauded as the success story of Singapore, Olivia Lum founded Hyflux in 1989 with only a mere $20,000 and Hyflux has grown to become a leading player in water treatment responsible for 30% of Singapore's daily water needs. It was a much celebrated story.<br />
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhyQ4ybkqTWGRCGfWlYSBeK5EdYMAny0oROqJ6FsMXb-DQiWiCPCcK9ZSML783R3HF3GdO4g_Oot2A8jft_IWPLoIg1j-OS6JLGAhLcPD7RwP4gY8HRt71CdU9xi2gJHhl3YP3-PURKhgg/s1600/PM-Lee-Hsien-Loong-signing-VIP-Guest-Book-e1448508649249.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="333" data-original-width="500" height="265" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhyQ4ybkqTWGRCGfWlYSBeK5EdYMAny0oROqJ6FsMXb-DQiWiCPCcK9ZSML783R3HF3GdO4g_Oot2A8jft_IWPLoIg1j-OS6JLGAhLcPD7RwP4gY8HRt71CdU9xi2gJHhl3YP3-PURKhgg/s400/PM-Lee-Hsien-Loong-signing-VIP-Guest-Book-e1448508649249.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Prime Minister Lee Hsien Loong at Hyflux's Tuaspring official opening. Source: <a href="https://www.hyflux.com/featured-stories/singapores-second-and-largest-desalination-plant-opens/">©Hyflux Website</a> </td></tr>
</tbody></table>
<div class="separator" style="clear: both; text-align: left;">
There was a huge endorsement by the government. Even the Prime minister gave his stamp of approval over the years and was there for the opening ceremony for the Tuaspring plant back in 2013. What can go wrong, when such a "successful" company issue preferential shares and perpetual securities offering high yields? Of course they were well sought after, to great devastation for some of the retail investors many of whom were retirees.</div>
<br />
<a href="https://www.channelnewsasia.com/news/business/a-big-shock-retail-investors-in-singapore-caught-out-by-hyflux-10407930">https://www.channelnewsasia.com/news/business/a-big-shock-retail-investors-in-singapore-caught-out-by-hyflux-10407930</a><br />
<i><br /></i>
<br />
<blockquote class="tr_bq">
<i>Seen as one of Singapore’s most successful business stories, water treatment specialist Hyflux’s recent woes had come as a shock for many and for Mrs Goh, it was something that she had not seen coming.<br /> </i><i><br /></i><i>Lured by an attractive 6 per cent coupon, she had put in S$10,000 into the company’s preference shares issued in 2011 at S$100 apiece.</i></blockquote>
<blockquote class="tr_bq">
<i>Both tranches saw strong demand when they were issued, attracting yield-hunting retail investors who subscribed through ATMs. Mr Nallakaruppan said he knew of investors who had put in S$200,000 or more, with retirees among them.<br /> </i><i><br /></i><i>“Interests rates at the banks were just far too low and because of that, a lot of the investors were hunting for yields,” he said. “They also see Hyflux as a growth company dealing with an important resource.”</i></blockquote>
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<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGPcBY6HlDJAUry1wAzIyIvEfKpj3beV3ImWCgLfz_rgfBxr-JBZGw74N62jpKDKVlp1QP1O6117LMMiYYtmr1RvRd1n9LymlRqwwJgyhd9KQ9TTVIgbyjjfRnRX3xp4w7QeYqoEWhF2Q/s1600/Hyflux+profits+2010+peaked.PNG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="399" data-original-width="640" height="246" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGPcBY6HlDJAUry1wAzIyIvEfKpj3beV3ImWCgLfz_rgfBxr-JBZGw74N62jpKDKVlp1QP1O6117LMMiYYtmr1RvRd1n9LymlRqwwJgyhd9KQ9TTVIgbyjjfRnRX3xp4w7QeYqoEWhF2Q/s400/Hyflux+profits+2010+peaked.PNG" width="400" /></a></td></tr>
<tr><td class="tr-caption">Hyflux's profit/revenue and ROE from 2008.</td></tr>
</tbody></table>
<div style="text-align: center;">
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMmaZNH42KxuK3H0F4t3jNFvtz5pQ5MLBrDv0RyFARtSn2UJ1JY8V_wAjfd0Mjw3kUirMtzGXew_iFPPlPo3BPClmvGa2nnC0ETiVx1uEZz6yRyyU7YvmdPI4RXzELAphucgWqQFW0sNM/s1600/Hyflux+negative+cash+flows.PNG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="368" data-original-width="642" height="226" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMmaZNH42KxuK3H0F4t3jNFvtz5pQ5MLBrDv0RyFARtSn2UJ1JY8V_wAjfd0Mjw3kUirMtzGXew_iFPPlPo3BPClmvGa2nnC0ETiVx1uEZz6yRyyU7YvmdPI4RXzELAphucgWqQFW0sNM/s400/Hyflux+negative+cash+flows.PNG" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Hyflux's Cashflow from 2008.</td></tr>
</tbody></table>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiVVoizaQKih7dY-Sonqa82ulBtMiM0jEhqviT4Yh7xf9HxMgz9ZpegNlzOBdDujwDy_ca0Fs2KuQ0q8C4PbZFSrne4toRlWN48BkCRB_yW9MHQPn6Jx-M8Du8LebPBIIwwdx8dpaQP97g/s1600/Hyflux+debts.PNG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="364" data-original-width="633" height="230" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiVVoizaQKih7dY-Sonqa82ulBtMiM0jEhqviT4Yh7xf9HxMgz9ZpegNlzOBdDujwDy_ca0Fs2KuQ0q8C4PbZFSrne4toRlWN48BkCRB_yW9MHQPn6Jx-M8Du8LebPBIIwwdx8dpaQP97g/s400/Hyflux+debts.PNG" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Hyflux's growing debts over the years.</td></tr>
</tbody></table>
Years of risky and aggressive expansion has seen Hyflux take on more debts than it can handle. In fact, Hyflux has seen certain red flags over the years largely <a href="https://asia.nikkei.com/Business/Company-in-focus/Singapore-water-company-s-tap-runs-dry-amid-debt-crisis2">on its dipping profit margins, ROE and negative cashflows since early 2010.</a><br />
<br />
<b><span style="color: #cc0000; font-size: large;">Mismanagement of debts?</span></b><br />
Notwithstanding the struggle to turn profits, Hyflux's management also did a series of baffling decisions over the years. This included continuing to give out dividends especially including a relatively higher dividend yield of 4.82% in 2018 despite its financial situation. If it was mired in debt and had little cash flow from which to dish out dividends from, where do the dividends come from?<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEghaVNsyAR8P6emuE5i5OtIyjzjCy8Ae4KdQN0sXgeCqjsSr9-eaemkbG69zLB2ZcjvF07478zCr_JAKAYtPP9S66uIwr5wltmzMOglCPp2GQ1JX-9BrjY2Wo6tjwMQWsDgi5g3bcFKadI/s1600/Hyflux+dividends.PNG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="420" data-original-width="827" height="201" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEghaVNsyAR8P6emuE5i5OtIyjzjCy8Ae4KdQN0sXgeCqjsSr9-eaemkbG69zLB2ZcjvF07478zCr_JAKAYtPP9S66uIwr5wltmzMOglCPp2GQ1JX-9BrjY2Wo6tjwMQWsDgi5g3bcFKadI/s400/Hyflux+dividends.PNG" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Hyflux's Dividends declared from 2010 (StocksCafe)</td></tr>
</tbody></table>
On 11 Feb 2019, <a href="https://www.todayonline.com/singapore/investor-watchdog-asks-hyflux-board-justify-remuneration-paid-ceo-executives-despite">Investor watchdog asked Hyflux to explain why huge dividends and executive salaries, benefits and bonuses were still paid</a>. All this despite Hyflux being in debt and not being profitable.<br />
<br />
<blockquote class="tr_bq">
<i>Apart from the more than S$60 million in dividends, Mr Gerald noted that Ms Lum also received “significant salary, benefits and bonuses” and earned between S$750,000 and US$1 million in 2017. In Hyflux’s annual report, key executives were said to have had received a total remuneration of S$2,695,134.20 for that financial year. </i></blockquote>
<blockquote class="tr_bq">
<i>“(This was) a year which Hyflux reported losses of S$115.6 million and a period which was five months prior to Hyflux Group filing for court protection from creditors and when Hyflux has been losing huge amounts of cash and building projects,” noted Mr Gerald.</i></blockquote>
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<b><span style="color: #cc0000; font-size: large;">The Curious case of PERPS</span></b><br />
<span style="border: 0px; box-sizing: inherit; font-stretch: inherit; font-variant-east-asian: inherit; font-variant-numeric: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Then, comes the curious case of Perpetual securities. In a commentary article, <a href="https://www.straitstimes.com/business/companies-markets/perpetual-market-too-much-risk-too-little-reward">PERPS risks were highlighted as many companies started to issue PERPS and the total capital raised from a range of firms amount to $3.96 billion in 2017</a>. But they still proved to be a viable option to raise capital for companies because there seemed to be a growing appetite for PERPS among retail investors even they though may not be nimble enough to pick out the potential risks.<br /><br />PERPS function as bond-like instruments that allow a company to defer interest payment in specific situations without the worry of getting sued for bankruptcy. There is no maturity and issuer can redeem at their discretion and timeframe. It also allows them to raise capital without dilution of shares as <u><span style="color: red;">they can count as equity not debt</span></u>. (this is a huge potential issue if investors are not careful)</span><br />
<span style="border: 0px; box-sizing: inherit; font-stretch: inherit; font-variant-east-asian: inherit; font-variant-numeric: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;"><br /></span>
<span style="border: 0px; box-sizing: inherit; font-stretch: inherit; font-variant-east-asian: inherit; font-variant-numeric: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">This sparks a question whether a company mired in debt should be allowed to raise funds through PERPS as investors may not be able to recognise they are taking on huge risks for companies in financial trouble. But what exactly are these PERPS?<br /><br />MoneySense website has <a href="https://www.moneysense.gov.sg/articles/2018/10/understanding-perpetual-securities">a rather short and concise summary about what PERPS are</a>:</span><br />
<span style="border: 0px; box-sizing: inherit; font-stretch: inherit; font-variant-east-asian: inherit; font-variant-numeric: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;"><br /></span>
<br />
<ul>
<li>Perpetual securities are often referred to as "perps", or perpetual bonds and perpetual notes.</li>
<li>Perpetual securities have no maturity date, but an issuer may choose to redeem the after a specified period of time.</li>
<li>You could end up holding the perpetual securities forever, without any reward.</li>
</ul>
<span style="border: 0px; box-sizing: inherit; font-stretch: inherit; font-variant-east-asian: inherit; font-variant-numeric: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="font-family: "lato" , sans-serif;"><br /></span></span></div>
<div>
Basically, one may still lose some or all of their money. The very same High Yields that attracts investors may turn out to be a double-edged sword as it also represents higher risks. It solely rests upon the issuer to make good of their promise to compensate investors while investors take on the risk of the company.<br />
<br />
Kyith at InvestmentMoats blogged about <a href="http://investmentmoats.com/money-management/dividend-investing/perpetual-securities-stock-investors/">Perpetual Securities – What you need to know as Stock Investors</a> and considers PERPS to be a neutral tool for companies to raise funds. However, some companies might abuse the PERPS hybrid status as Rating agency Moody considers 50% of perpetual issues as equity. More astute investors would wisely categorise them rightfully as debt.<br />
<br />
Investors should also consider why companies are raising funds and for what purpose/use do the funds go to.<br />
<br /></div>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg2ntO1JZmylFVqL3TuRE6GI8gA_JDe8KIFoOcKSO_w-9LJJ3sianT1RnersxBG5nAZi1_K6N8jmrNYyL9suZI1s_xvCb4VbCRwNTu_hOLyDkmene30WWj2EAc-VcYdxg7RbXKIC8I2TlY/s1600/perps.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1600" data-original-width="1219" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg2ntO1JZmylFVqL3TuRE6GI8gA_JDe8KIFoOcKSO_w-9LJJ3sianT1RnersxBG5nAZi1_K6N8jmrNYyL9suZI1s_xvCb4VbCRwNTu_hOLyDkmene30WWj2EAc-VcYdxg7RbXKIC8I2TlY/s640/perps.jpg" width="486" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">PERPS infographic. ©MoneySense</td></tr>
</tbody></table>
All isn't well now for Hyflux investors due to the fact that <a href="https://www.channelnewsasia.com/news/videos/hyflux-working-hard-to-stay-viable-ensure-fair-treatment-to-10545588">CEO Olivia Lum promised to ensure fair treatment to shareholders</a> but <a href="https://www.straitstimes.com/business/hyflux-plan-could-see-heavy-losses-for-investors">retail investors are likely to bear the brunt of the losses now</a>. A combination of equity dilution for equity holders and high losses for bonds (almost close to a default) doesn't bode well for retail investors. I can't help but think that regulators could have done much more to protect the interests of investors who are at risk (older folks who cannot afford to lose their capital).</div>
<blockquote class="tr_bq">
<i>This means that for every $1,000 invested, a holder of Hyflux’s perpetual securities and preference shares will recover just $106.54, or an implied return rate of 10.7 per cent - from $30.15 in cash and $76.39 of implied value in Hyflux shares.</i> </blockquote>
<blockquote class="tr_bq">
<i>For medium-term noteholders, who are of a higher priority on the creditors’ list, the implied return rate is 24.6 per cent, or $246.35 for every $1,000 invested. This is from a cash payout of $138.72 and $107.63 in Hyflux shares.</i></blockquote>
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<br /></div>
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<a href="https://www.businesstimes.com.sg/companies-markets/hyflux-suspends-trading-of-shares-and-perps">Hyflux shares have since been suspended since May 2018</a>.</div>
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<span style="color: blue;"><b><span style="font-size: x-large;">Case in point: Noble</span></b></span><br />
Noble Group was another company that saw many investors losing their money. It was once Asia's largest commodity trader but have found itself deep in debt, having to default on US$3.4 billion of debt. Investors similarly saw share dilution and default on bonds as its value plunged since 2015. Institutional investors and buyers of bonds have made losses but again the likely biggest losers are retail investors. Similarly, Noble also issued perpetual bonds as well. (Which added to more debts. Are we seeing a pattern here?)<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-cgHgYZpRzvWmzyd2Iat8mUUtO51ge_S1zbiaAY3aL7oPaGSo80CkEF-7fPAZyVTHaeUWjWdxHH6WX45wWSHn4Kc1qewJDQM2MfbpnI_O8MXL2mQzgBtk21anGuqChfQTG07gqPvXeBw/s1600/Noble+group2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="293" data-original-width="440" height="266" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-cgHgYZpRzvWmzyd2Iat8mUUtO51ge_S1zbiaAY3aL7oPaGSo80CkEF-7fPAZyVTHaeUWjWdxHH6WX45wWSHn4Kc1qewJDQM2MfbpnI_O8MXL2mQzgBtk21anGuqChfQTG07gqPvXeBw/s400/Noble+group2.jpg" width="400" /></a></div>
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<blockquote class="tr_bq">
<i><a href="https://www.bloomberg.com/news/articles/2018-08-26/-i-was-cheated-tales-from-the-collapse-of-a-commodity-giant">Francis Tay feels cheated.</a></i></blockquote>
<blockquote class="tr_bq">
<i>The former Singapore civil servant said he lost almost S$50,000 ($36,600) in the implosion of Noble Group Ltd., the commodity trading giant. He also said shareholders like him have been let down by regulators whose job it is to protect them from the sort of crisis that’s brought the company to the brink.</i></blockquote>
<blockquote class="tr_bq">
<i>"I was cheated of my hard-earned savings," said Mr Tay, who still owns a small amount of shares. "How can a giant company collapse?" he said in an interview earlier this month in the run-up to the shareholder vote, adding: "What message does that send to the world about Singapore's reputation?"</i></blockquote>
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After its steep losses, allegations that it has deceived its investors through its accounting have emerged to which they have denied.<br />
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<blockquote class="tr_bq">
<i>Lisa Ng, an administrative manager in the finance sector, said she lost about 90 percent of her investment in Noble, or at least S$5,000. She said she wouldn’t attend the SGM because she considers her shares a write-off. Selling them would cost her more in fees than what she’d now recover, she said.</i></blockquote>
<blockquote class="tr_bq">
<i>“I do wish that I had gotten out when <a href="https://iceberg-research.com/">Iceberg</a> had come out with its critique of Noble’s accounting,” the 61-year-old said. “I thought that Noble, being a blue-chip share, wouldn’t be like what they claimed.”</i></blockquote>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEguIWYM3Uy8lDJ-m2nP3QhAXSKcePRxAfYP-35XKv18yCFGABc9yo5JcbSB8bngYJ3P2Hc_i_hOc0sLAjUcgb2yIISA6GjSClAUsXBv-9PuHJNjaeBCsFxAUwjYgo1xMk_fgNJBhp94f3Q/s1600/Noble.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="805" data-original-width="993" height="322" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEguIWYM3Uy8lDJ-m2nP3QhAXSKcePRxAfYP-35XKv18yCFGABc9yo5JcbSB8bngYJ3P2Hc_i_hOc0sLAjUcgb2yIISA6GjSClAUsXBv-9PuHJNjaeBCsFxAUwjYgo1xMk_fgNJBhp94f3Q/s400/Noble.png" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Noble Group over the years.</td></tr>
</tbody></table>
<br />
<span style="color: #cc0000; font-size: large;"><b>Poor financial accounting or irregularities?</b></span><br />
Noble Group found itself under scrutiny <a href="https://www.cnbc.com/2015/07/22/attacks-on-noble-groups-accounting-take-their-toll.html">for allegedly providing financial accounting figures to mislead investors about its financial performance</a>. This allowed Noble to supposedly record profits on long-term deals to source and supply commodities even before the company receives cash payments.<br />
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Again, we see a company raking up huge amount of debts with dropping revenues and profit margins.</div>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhIyJIcRtFr51akcnm3r1x9VGXaJIPF6PfbGvZwhWpnNr6qDpO4mpb8hB2KAZJPccThlZPKpQe3QNGkvDLgkSuMVbKgO3YyfAgRofbDL3eowNrnjePnV5VqRwn9jxSR-bmXfcVPDCE-C2I/s1600/Noble+Revenue.PNG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="460" data-original-width="651" height="281" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhIyJIcRtFr51akcnm3r1x9VGXaJIPF6PfbGvZwhWpnNr6qDpO4mpb8hB2KAZJPccThlZPKpQe3QNGkvDLgkSuMVbKgO3YyfAgRofbDL3eowNrnjePnV5VqRwn9jxSR-bmXfcVPDCE-C2I/s400/Noble+Revenue.PNG" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="font-size: 12.8px;">Dwindling revenues from 2014 (In millions SGD, from SGX website)</td></tr>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh4H5SOnziboB5TNvsi81cB-0sw9Ac7A5eNldwl5OksPbQ90u304OQ1DoiZHVpvMUSASAUa6envLuznysSiAaPAWF5n7lNH_GSR45DzF1PcdaeZP6pCX_FDVti366m-bAOQLeNfxefKepA/s1600/Noble+gross+profit+and+net+income.PNG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="487" data-original-width="655" height="296" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh4H5SOnziboB5TNvsi81cB-0sw9Ac7A5eNldwl5OksPbQ90u304OQ1DoiZHVpvMUSASAUa6envLuznysSiAaPAWF5n7lNH_GSR45DzF1PcdaeZP6pCX_FDVti366m-bAOQLeNfxefKepA/s400/Noble+gross+profit+and+net+income.PNG" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Net income and gross profit from 2014 (In millions SGD, from SGX website) </td></tr>
</tbody></table>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEid8DKq1TnlcTMfabbUurUe9-8Cmw_dgoyvh8XDSFJ20wR9QtDUYyz9ig2Vo7Dthfj7shyphenhyphenoVphDinufDU6gM-p18vRiFvpIs_iZgdZl-cfK9gjIPNsGhvKJ63jBvfmMd44aeqrOlW5BplA/s1600/Noble+debts.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="539" data-original-width="1000" height="215" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEid8DKq1TnlcTMfabbUurUe9-8Cmw_dgoyvh8XDSFJ20wR9QtDUYyz9ig2Vo7Dthfj7shyphenhyphenoVphDinufDU6gM-p18vRiFvpIs_iZgdZl-cfK9gjIPNsGhvKJ63jBvfmMd44aeqrOlW5BplA/s400/Noble+debts.png" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Noble's Debts over the years since 1994</td></tr>
</tbody></table>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjcvYh8lz_tLoaixx_dGc72rCBtRsCc7GR2O4L6ZQpGCtKotqsYvYogq9DHB04fjnOluQfBn-9Ebwxva30LVeEOEUx2jq-_W_4om1viJXl1TrfiXpLafPuPm53GbDAf5YIEvI7EKCgQY7o/s1600/Olam+vs+noble.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="570" data-original-width="812" height="280" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjcvYh8lz_tLoaixx_dGc72rCBtRsCc7GR2O4L6ZQpGCtKotqsYvYogq9DHB04fjnOluQfBn-9Ebwxva30LVeEOEUx2jq-_W_4om1viJXl1TrfiXpLafPuPm53GbDAf5YIEvI7EKCgQY7o/s400/Olam+vs+noble.png" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Noble group's free cash flow in trailing 12 months compared to Olam.</td></tr>
</tbody></table>
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<span style="color: #cc0000; font-size: large;"><b>Falling numbers despite borrowings a deadly mix</b></span><br />
I still remember when I first started investing, Noble Group was one of those stocks that some "Guru" recommended a screaming BUY online back in 2017 given its glorious history despite its red flags. The argument was that the Oil and gas sector was due a rebound from a bottom and a rising tide would lift all boats (that never really materialized). Meanwhile, Noble continued to bleed.<br />
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To resolve Noble's outstanding debts, a "do-or-die" deal was forced upon investors who had not much other options than to bend over that would see a proposed debt for equity deal being cut. This meant a dilution of shares while Noble's debt is cut.<br />
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Existing shareholders equity would be reduced to 20 per cent of the restructured business.<br />
<br />
On 6 December 2018, <a href="https://www.todayonline.com/singapore/singapore-authorities-say-wont-allow-noble-group-re-list-under-restructuring-plan">Singapore authorities said they would block the re-listing of shares in what was once Asia’s top commodity trader.</a> Recently in February 2019, <a href="https://links.sgx.com/FileOpen/SGX%20announcement%20-%20Winding%20up%20of%20Noble%20Group%20Limited.ashx?App=Announcement&FileID=542954">Noble Group Limited announced it was in liquidation process</a>.<br />
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<blockquote class="tr_bq">
<i>Application for winding-up of Noble Group Limited to be heard on 8 February 2019, liquidation process is a procedural step and as anticipated in the circular to shareholders dated 10 August 2018. The liquidation process will have no impact on the business or financial position of Noble Group Holdings Limited. The winding-up application and liquidation process will have no impact on the rights of shareholders of Old Noble to receive shares in New Noble.</i></blockquote>
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Noble Group shares are currently suspended since November 2018.<br />
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<span style="color: blue;"><br /></span><span style="color: blue;"><b><span style="font-size: x-large;">Case in point: Swiber</span></b></span><br />
Swiber Holdings, an oilfield <a href="https://www.todayonline.com/business/swiber-wind-dbs-takes-big-hit">services firm rocked the investing community in 2016 when it suddenly announced its application to wind up the company as debts mounted</a>. Swiber shares started declining in 2014 and a<a href="https://www.straitstimes.com/business/companies-markets/swibers-woes-warning-signs-were-there-for-some-time">gain potential red flags were beginning to appear in 2015</a>.<br />
<br />
Swiber's liabilities stood at US$1.43 billion as of March 31 2016 while its total assets amounted to US$1.99 billion. Coupled with a low free cashflow and slump in the industry, it could no longer turn profits to cope with the high amount of debts.<br />
<br />
Similarly, Swiber also issued perpetual securities. It had proceeded to redeem S$130 million of notes on June 6 and S$75 million of debentures on July 6, according to company filings, and made an early repayment of its perpetual bonds, a hybrid security with no preset maturity, in September 2015.<br />
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Once again, it seemed that companies who borrow excessively land themselves in debts they could not repay as they are not prudent.<br />
<br />
<blockquote class="tr_bq">
<i>The sudden fall from grace of the firm, which supports construction projects on oil rig platforms, shocked the market yesterday. But for Maybank Kim Eng analyst Yeak Chee Keong, it did not come as a complete surprise.</i></blockquote>
<blockquote class="tr_bq">
<i>"Its high gearing and poor profitability have been a red flag for quite some time," he said.</i></blockquote>
<blockquote class="tr_bq">
<i>The warning lights have been flashing for some time, particularly as the global offshore and marine industry continues to be hit hard by a protracted slump in oil prices.</i></blockquote>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg8fbkWp-RUNM8Uqwc2iujwQziPtlyqcpcUJmM3LkFGBUDhZ2J8Dd6Fjxj0b1MbHX3bK6mQuDvgN3MhaosaDxr-P15_NK6ZBppkx1qkevkUUcKcgzh09LtApZ0dcRtARTb2haPSxLet9ZA/s1600/160729-swiber-timeline_online.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="369" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg8fbkWp-RUNM8Uqwc2iujwQziPtlyqcpcUJmM3LkFGBUDhZ2J8Dd6Fjxj0b1MbHX3bK6mQuDvgN3MhaosaDxr-P15_NK6ZBppkx1qkevkUUcKcgzh09LtApZ0dcRtARTb2haPSxLet9ZA/s1600/160729-swiber-timeline_online.jpg" /></a></div>
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<u><span style="color: #cc0000; font-size: large;"><b>What can we do to prevent ourselves falling victims?</b></span></u><br />
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<span style="color: blue;">1. Do Due Diligence (DYODD)</span><br />
Never buy securities based on banks' recommendations alone and never buy what you do not understand (think perpetual securities). Never ask the barber if we need a haircut. If we go to banks and they recommend certain securities, we ought to be careful to research if the securities' risk to reward is worth it. We might just get more than what we bargain for if it goes south.<br />
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Never under-estimate companies with poor financials, they are simply not worth the heartpain. Take note of potential warning signs (Poor management, increasing debts/falling profit margins/lack of free cashflow). Base your investments on facts and not emotions. Don't just assume it is safe if big funds/many retailers are also investing in what you are going to invest in. This might be a false sense of security.<br />
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<span style="color: blue;">2. Diversify/Size our holdings:</span><br />
By diversifying our holdings across different sectors, we are minimising over exposure to any one sector. It could dilute our earnings but it could also mean our portfolios can float better if certain investments go south. If we cannot find sufficient relevant information to build a case for investment about certain stocks, we should size and position accordingly if we still decide to invest so that it remains a small proportion of our portfolio as it is likely to be more risky.<br />
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Set up a trading/investment plan with strict stop losses and clear risk-reward ratio so that you can minimise losses.<br />
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<span style="color: blue;">3. Improve your financial literacy:</span><br />
Let's be honest, financial statements can be daunting for the beginner investor as there can be lots of data to go over. However, data is worthless to the investor who doesn't know how to decipher them. Many pitfalls and red flags can be missed if we are not able to read the balance sheet well.<br />
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Then again, some companies can have "creative accounting" or fraudulent financial statements. It would be up to the experience of the investor to detect any thing that simply does not add up.<br />
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<br />
<blockquote class="tr_bq">
<b>If You Think Education Is Expensive, Try Ignorance.</b></blockquote>
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<br />
This is a famous quote attributed to Robert Orben, who was a comedy writer. The premise of this quote is in the context of that while getting a college education is expensive, the longer term cost of not having a college education is much worse. In terms of investment, getting a "proper" financial education is key to an investor's success in today's market.<br />
<br />
Educating ourselves is an INVESTMENT in itself. In the past, the odds were stacked against the end-consumer and retail investor. However, with the age of the Internet, there are now many ways in which we can improve our financial literacy.<br />
<br />
Education is NOT FREE. By this, I don't mean that we should therefore sign up those 3-5 day expensive investing courses that offer to teach us "secrets to investing" (try finishing the free courses online first). If these trainers are so successful, they wouldn't spend their time sharing that secret with you. What the price to pay here is often time, and effort spent to study the subject of investing in great detail. There are often no shortcuts.<b><u><span style="color: red;"> Just by attending a 3-5 day course do we really think we can become experts? Get real! </span></u></b><br />
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Lack of Education will surely result in loss down the road. We will either pay the price studying at the early stages or make mistakes at later stages resulting from not making effort to learn. This would be in making bad financial decisions to bad investment decisions. I'm sure the latter price is bigger to pay.<br />
<br />
<blockquote class="tr_bq">
<b>Lazy hands make for poverty, but diligent hands bring wealth. - Proverbs 10:4</b></blockquote>
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<u><b><span style="font-size: large;">Tips to improve our Financial Literacy:</span></b></u><br />
<br />
<span style="color: blue;">1. Online Free courses to get basics: </span><br />
Udemy and Coursera offer many FREE financial literacy courses online and they go from personal finance to planning and making sense of basics to finances.<br />
<a href="https://www.themuse.com/advice/13-free-classes-to-help-you-manage-your-personal-finances-like-an-adult">13 Free Classes to Help You Manage Your Personal Finances (Like an Adult)</a><br />
<br />
<span style="color: blue;">2. Singapore government websites:</span><br />
These sites put Financial literacy in context for Singaporeans. The Singapore government also has very useful websites in helping us understand financial literacy: <a href="https://www.moneysense.gov.sg/">MoneySense</a> , <a href="http://sias%20-%20securities%20investors%20association%20%28singapore/">SIAS - Securities Investors Association (Singapore)</a> and <a href="http://www.lia.org.sg/">Life Insurance association Singapore (LIA)</a><br />
<span style="color: blue;"><br />3. Follow news/ engage in investing social media platforms:</span><br />
Like <a href="https://www.investingnote.com/">Investing Note</a>, <a href="https://stocks.cafe/">StocksCafe</a>, <a href="https://forums.hardwarezone.com.sg/money-mind-210/">Hardwarezone (money mind)</a>. There are many "noise" in some of these posts but also nuggets of truth to be learnt when we learn from others successes/mistakes and also exchange ideas. Iron sharpens iron, and so does minds when pit together. Ask questions, ask, ask ask. A great teacher I knew often said there were no such thing as "stupid questions". People may make us look stupid for 5 minutes, but hey that's better than keeping quiet and being stupid for 50 years.<br />
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<span style="color: blue;">4. Search the Internet (READ WIDELY):</span><br />
There are a wealth of investment bloggers who share their experience freely and usually many of them have no conflict of interest in selling you courses etc. It is your choice to believe them or not and to see if their experiences and ideas are useful for our own investing journey. Financial news websites also keep us up to date with the latest developments in the financial markets. Access to data and information is key in this new age of investing.<br />
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P.S. There seems to be something brewing about being the "Best in the World". Lets hope investors won't get burnt this time round.<br />
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<span style="font-size: small;">Until Next Time, </span><br />
<span style="font-size: small;"><br /></span></div>
<div style="font-size: 12.8px;">
<b><span style="color: red; font-size: x-large;">K.C.</span></b></div>
<div style="font-size: medium;">
<i>If you like this post, you might <a href="https://www.facebook.com/30yroldinvestor/">like our facebook page</a> as well. </i><i>I'm also on <a href="https://www.investingnote.com/users/kc_30#/?display=profile&user=kc_30&tab=latest">Investing Note</a>.</i></div>
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<span style="font-size: large;"><b>Related topics:</b><br />1. <a href="https://30yearoldinvestor.blogspot.com/p/about-me.html">About K.C. What is my story?</a><br />2. <a href="https://30yearoldinvestor.blogspot.com/2018/02/my-3c-money-investing-philosophy.html">My 3Cs to money/investing</a><br />3. <a href="https://30yearoldinvestor.blogspot.com/2018/07/if-you-spend-what-you-earn-you-need-to.html">Why you need to set aside money for savings first</a><br />4. <a href="https://30yearoldinvestor.blogspot.com/2018/12/2018-year-end-review.html">My 2018 Year end review</a></span><br />
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<i style="background-color: white; color: #515151; font-family: "droid serif", sans-serif; font-size: 14px;">Disclaimer: The above information are for personal discussion purposes only and do not constitute financial advice. Do conduct your due diligence before making any financial decision. "30 Year Old Investor" shall not be liable for any loss or damage of any kind arising from the result of your reliance of the information contained on this site.</i><span style="background-color: white; color: #515151; font-family: "droid serif" , sans-serif; font-size: 14px;"> </span></div>
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30YearOldInvestorhttp://www.blogger.com/profile/18442456587123026225noreply@blogger.com0tag:blogger.com,1999:blog-7295314650616694802.post-2789655896344382802019-02-03T01:10:00.001-08:002019-02-03T04:41:20.925-08:00Jan 2019 look-back: Defensive stocks and short term trading strategies<div>
First of all, wishing everyone a Huat Huat Chinese New Year 2019!</div>
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<b><u><span style="font-size: large;">Musings of a relatively new investor:</span></u></b></div>
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As a relatively new investor at about a year in the market, the purpose of my blog is to provide a feedback loop mechanism to my trail of thought. Hopefully, in future I can look back and laugh at my silly thoughts and also hopefully refine them as I go along. </div>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjtAUkHNzgtoAA42YFXGdrprltrGJomXOPONAT30n93QRZjfnk5qfBZSg-tmd8cp1MnvPOARWh_IDqr08Wty72GGPkuxLJc8oWQkgZtewO5qWOaLmSEjojmwgQsuwVBie2tPVUWBI9jV3c/s1600/CNY+2019.PNG" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" data-original-height="567" data-original-width="856" height="423" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjtAUkHNzgtoAA42YFXGdrprltrGJomXOPONAT30n93QRZjfnk5qfBZSg-tmd8cp1MnvPOARWh_IDqr08Wty72GGPkuxLJc8oWQkgZtewO5qWOaLmSEjojmwgQsuwVBie2tPVUWBI9jV3c/s640/CNY+2019.PNG" width="621" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">The Pig came in at the last of the 12 zodiac animals because it overslept... lol.</td></tr>
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January 2019 had been a blast for many traders and investors. Many attribute it to the continuation of the Christmas rally, some said it was the January "bonus effect" where investors dumped their year end bonus into the market. There are quite a few investors from Investing Note whom I know made a killing because they bought into the market at a "low" where there was some panic if Mr Market was headed for a downturn. In fact, it was one of the worst Christmas Eve plunge in December as major indices dropped from an all-time high back in September. I wish I was as equally adept at trading.</div>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0gCh-CTimVntvBOe-EMYeQ02eCTUH0IrDSvszgMATtEon3SACTf5BedKsqoNtwl1Zozj19y72t0m3k1p0lhXswuMxgLDEtJ5FEfXoJV_ARU116VNoL3ZHenJbGCBPD2YWyzDZhIRisFI/s1600/Christmas+worst+plunges.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto; text-align: center;"><img border="0" data-original-height="497" data-original-width="800" height="397" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0gCh-CTimVntvBOe-EMYeQ02eCTUH0IrDSvszgMATtEon3SACTf5BedKsqoNtwl1Zozj19y72t0m3k1p0lhXswuMxgLDEtJ5FEfXoJV_ARU116VNoL3ZHenJbGCBPD2YWyzDZhIRisFI/s640/Christmas+worst+plunges.jpg" width="621" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Ugly December Christmas Eve 2018. Trump probably needs to shut up lol.</td></tr>
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So, what did <b><span style="color: red; font-size: x-large;">K.C. </span></b>do in the first half of January? 🤦♂️<br />
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Nothing, except watch as the market rebound without adding any positions due to fear for a prolonged downturn. Of course, hindsight is always 20/20 but by mid January, it was obvious that the market wasn't going to crash (yet).<br />
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<b><span style="font-size: x-large;"><u>Relook - January Statistics:</u></span></b><br />
<span style="font-size: medium;">According to Stocks Cafe <br />(Vested positions only, this does not include cash):</span><br />
<b style="font-size: x-large;"><span style="font-family: "calibri" , sans-serif;">(December to Mid Jan) <br />Time-Weighted</span></b><span style="font-family: "calibri" , sans-serif; font-size: large;"> = <span style="color: red;">-10.94% (All) </span><b>Xirr</b> = <span style="color: red;">-17.98% (All)</span></span><br />
<b style="font-size: x-large;"><span style="font-family: "calibri" , sans-serif;">(End Jan, 2nd Feb)<br />Time-Weighted</span></b><span style="font-family: "calibri" , sans-serif; font-size: large;"> = <span style="color: red;">-7.94% (All) </span><b>Xirr</b> = <span style="color: red;">-9.47% (All)</span></span><br />
<span style="font-family: "calibri" , sans-serif; font-size: medium;"><span style="color: red;"><br /></span></span>
<span style="font-size: medium;">According to my own portfolio tracker in absolute numbers:</span><br />
<b style="font-size: x-large;"><span style="font-family: "calibri" , sans-serif;">(December to Mid Jan): <br />I was sitting on </span></b><span style="color: red; font-family: "calibri" , sans-serif; font-size: large;">-$1,300+ (-8.99%) </span><b style="font-size: x-large;"><span style="font-family: "calibri" , sans-serif;">Portfolio value: $16,584.97</span></b><br />
<b style="font-size: x-large;"><span style="font-family: "calibri" , sans-serif;">(End Jan, 2nd Feb): <br />I am now sitting on </span></b><span style="color: red; font-family: "calibri" , sans-serif; font-size: large;">-$617.32 (-3.31%) </span><b style="font-size: x-large;"><span style="font-family: "calibri" , sans-serif;">Portfolio value: $18,410.95</span></b><br />
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<span style="color: blue;">Thoughts and comments: <br />I was still reeling from my losses in short term trading positions throughout December and early January. This paralysed me into inactivity as I studied and watched the market and didn't add on any positions until mid-January. Many seem to be able to time the market and reported winnings while my portfolio stagnated with the realised losses back in December.</span></div>
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<blockquote class="tr_bq">
<span style="color: blue;"><i>It is time spent in the market (invested), not timing the market.</i></span></blockquote>
<span style="color: blue;"><br />The ability to hold positions and ride through volatility seems to be a key component of a successful investor's setup. My REITs positions generally recovered and are in the green from the December losses and again I collected some dividends. We cannot predict where Mr Market would head but we can certainly decide if Mr Market is offering up good deals. But cheap and undervalued are often different to different investors who have a varying trading/investment time frame. I began to re-consider what positions I would add to my portfolio that is suitable for my investment goals, possibly one longer term defensive counter and a short term trading position for January after sitting on the fence for some time.</span><br />
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<b><span style="font-size: large;">Defensive stocks</span></b><br />
Defensive stocks are stocks that are likely to be mature stocks. This means that <span style="color: red;"><b>generally</b></span>, there is not much growth in them. However, on the bright side of things, they can generally withstand a market crash better as they are likely to have a high free cash flow, decent growth/very stable and consistent dividends. These stocks tend to be inert to market cycles and provides products/services that would still prove strong and in demand in a market downturn. Barriers of entry into the market, if any, are also a plus for these counters. Usual suspects would be telcos, utilities, transport, healthcare. As telcos are currently facing increased changes in the industry and I am already vested in Singtel, I decided to exclude them.<br />
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Thus, I narrowed down to looking at SBS, ComfortDelgro, Vicom, Parkwaylife Reit, (I will look to add some of these counters to my portfolio to form the "base" of stable stocks. <span style="color: red;">As of 16th Jan, I added Vicom at 6.01.)</span><br />
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How did some of these fare in 2008 crisis?<br />
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<b><u>SBS Transit:</u></b></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjigNSmuruCCqtL65psHr5StlLOhh32MYtLk40Fhhhyphenhyphen_JgSVVItPFsVIiQVyznmnCUIUeMs-J51fp6vttT4mDi-yBkdZnylHQ03AkeCQ8uUV0B95iEvf-qxtcCCHJPX4sa0CjFsUmTAO50/s1600/sbs.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="868" data-original-width="1600" height="346" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjigNSmuruCCqtL65psHr5StlLOhh32MYtLk40Fhhhyphenhyphen_JgSVVItPFsVIiQVyznmnCUIUeMs-J51fp6vttT4mDi-yBkdZnylHQ03AkeCQ8uUV0B95iEvf-qxtcCCHJPX4sa0CjFsUmTAO50/s640/sbs.png" width="621" /></a></div>
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<span style="color: blue;">SBS is a familiar name as a bus services operator to many Singaporeans as we take them very often on a daily basis. SBS also has been operating MRT services since 2003 (North East Line) and 2013 (Downtown Line). </span><span style="color: blue;">It also operates the LRT lines in Sengkang and Ponggol.</span></div>
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<span style="color: blue;"><br />In 2016, the<a href="https://www.straitstimes.com/singapore/transport/government-pays-7b-for-sbst-smrt-bus-route-contracts"> government pumped $7 billion</a> to move SBS transit and SMRT buses operations over to the new government bus contracting model (BCM) for better service against disruptions. </span><span style="color: blue;">On April 1 2018, </span><a href="https://www.todayonline.com/singapore/lta-take-over-sbs-transits-rail-operating-assets-april">LTA took over the assets</a><span style="color: blue;"> when the</span><span style="color: blue;"> g</span><span style="color: blue;">overnment will take over ownership of the trains, signalling systems and other operating assets of the North-East Line (NEL) and the Sengkang and Punggol Light Rail Transit (LRT) systems from transport operator SBS Transit. A profit sharing between the government who will maintain the assets while bearing risks gives SBS protection from revenue hits.<br /><br />On Nov 9 2018, <a href="https://www.straitstimes.com/singapore/transport/sbs-transit-q3-earnings-soar-on-higher-ridership">SBS transit announced strong surge in net earnings for Q3 2018.</a></span></div>
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<span style="color: blue;">Historically, SBS doesn't look to be able to sustain very well looking at its chart history as generally the prices take a long time to recover in the past and it did not recover to its heights before 2008. It looks to be able to rebound better since 2014 oil crisis. I'm not a TA expert, but is that a Head and shoulders forming? However, new industry changes are likely to give SBS transit some room for growth while having some protection from the costs of maintenance due to the new asset light model.</span></div>
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<span style="color: blue;"><br /></span><b><u>ComfortDelgro:</u></b></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj103-fzzH7TZ9eaD12K969iqfJVw8HotLsXOBT2ap4g3-wa9Luenw2Fqz_iRbqr77lKAWn7emOjLMzgSSwmAztWyhVik8PJ9a1w_SYyPVDDDjucaemqoFY6CxAQ305779zTYmrxyXWzDs/s1600/CDG.png" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="892" data-original-width="1600" height="356" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj103-fzzH7TZ9eaD12K969iqfJVw8HotLsXOBT2ap4g3-wa9Luenw2Fqz_iRbqr77lKAWn7emOjLMzgSSwmAztWyhVik8PJ9a1w_SYyPVDDDjucaemqoFY6CxAQ305779zTYmrxyXWzDs/s640/CDG.png" width="621" /></a></div>
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<span style="color: blue;">ComfortDelgro is also a familiar name to Singaporeans as it is the largest Taxi operator in Singapore. Besides its Taxi business, it also owns business segments in </span><span style="color: blue;">bus, taxi, rail, car rental and leasing, automotive engineering services, inspection and testing services, driving centres, non-emergency patient transport services, insurance broking services and outdoor advertising. These are also geographically spread in the UK and Ireland to Australia, Vietnam, Malaysia, as well as across 11 cities in China, including Beijing, Shanghai, Guangzhou, Shenyang and Chengdu.</span></div>
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<span style="color: blue;">In an old post from 2017, <a href="https://www.investingnote.com/posts/138743">https://www.investingnote.com/posts/138743</a> </span><span style="color: blue;">CDG's Free cash flow also is very much been sustainable throughout the years. </span><a href="https://www.straitstimes.com/singapore/fare-cuts-by-uber-grab-will-hurt-sector-taxi-body">Recent price competition for its Taxi business</a><span style="color: blue;"> segment by Private Hire Grab and Uber have beaten its earnings and share price but have stabilised since Uber's exit and a new normal has been achieved. I was actually looking to pick up CDG if it dropped close to $2 again but it has since rallied.<br /><br />In Jan 2019, <a href="https://www.businesstimes.com.sg/companies-markets/brokers-take-dbs-keeps-buy-on-comfortdelgro-amid-optimism-about-new-ride-hailing">the government announced new regulations towards Private Hire companies </a> in a bid to streamline the taxi and private hire business. </span></div>
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<span style="color: blue;"><br /></span><b><u>Vicom:</u></b><b><u><br /></u></b><br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgIbJcN5X-bNy4MltsueWGshTObSyWGFO-oXjb0dpnmHLFIXpvTqzncmIOsTtJN7uXksDZmkWM2FuRoUST56TMGvKBNAcYhuhQwmv9945x-MkA8wa0JLrsXR0bTL7NsEb6iRdS4eY6b2VY/s1600/Vicom.png" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="868" data-original-width="1600" height="346" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgIbJcN5X-bNy4MltsueWGshTObSyWGFO-oXjb0dpnmHLFIXpvTqzncmIOsTtJN7uXksDZmkWM2FuRoUST56TMGvKBNAcYhuhQwmv9945x-MkA8wa0JLrsXR0bTL7NsEb6iRdS4eY6b2VY/s640/Vicom.png" width="621" /></a></div>
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<span style="color: blue;"><br /></span>
<span style="color: blue;">Vicom is another Subsidiary of CDG, whose main business segment are in services related to vehicle inspection and also Setsco (non-vehicular inspection and testing arm).<br /><br />There is a huge plus in Vicom as vehicular checks are mandated by law and Vicom owns the biggest market segment as the largest provider. As such there is a huge barrier to entry. According to a previous comprehensive <a href="https://fifthperson.com/investing-in-vicom-what-you-need-to-know-about-its-business-before-you-invest/">report done in 2015 by the fifth perspective</a>, overall vehicles in Singapore have shrunk. Cars being de-registered are on the rise coupled with lesser new cars being uptaken due to COE prices. However in 2016, there was a <a href="https://www.straitstimes.com/singapore/transport/rental-car-numbers-surge">rise in the number of rental cars in the market</a>. This is also coupled with a corresponding shrinking population of taxis. Trends are likely to remain and the vehicle population is expected to stabilise.</span><br />
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<span style="color: blue;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjrOW3HxLMtdVIuM4ek8XSbZST0iTnAm2eGTwxM8a3TpsxVU6ytiudVYEVVrS0qvvTm2jqnCn0-ngwQQ38eXa_AOPVlXKXWMbQFiql3oMCBDdLOX6qd7sXhj0KAicdPHIJ4fNXVz_Bq8zg/s1600/number+of+vehicles.PNG" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="738" data-original-width="1008" height="468" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjrOW3HxLMtdVIuM4ek8XSbZST0iTnAm2eGTwxM8a3TpsxVU6ytiudVYEVVrS0qvvTm2jqnCn0-ngwQQ38eXa_AOPVlXKXWMbQFiql3oMCBDdLOX6qd7sXhj0KAicdPHIJ4fNXVz_Bq8zg/s640/number+of+vehicles.PNG" width="621" /></a></span></div>
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<span style="color: blue;">Setsco, on the other hand provides a wide range of testing, calibration, inspection, consultancy and training services to the aerospace, marine and offshore, biotechnology, oil and petrochemical, building construction and electronics manufacturing industries.<br /><br />According to Vicom's annual report, Setsco's performance depends on the general economic condition. Although Setsco does not publish separate annual report figures anymore, it has been keen to expand its testing capabilities over the years.</span><br />
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<blockquote class="tr_bq">
Setsco Services Pte
Ltd (SETSCO), completed several
notable projects – both locally and
internationally – during the year 2017. SETS
Services DMCC, a wholly-owned
subsidiary company, was set up
by SETSCO in Dubai, United Arab
Emirates to provide building glass
inspection services. It won a contract
to undertake glass inspection work
on the external facades of Gold
Tower and Silver Tower, Cluster l,
in Dubai.
Additionally, SETSCO secured
contracts for the testing of sand
and granite from the Building
and Construction Authority and
also various testing services for
the Changi Terminal 5 project in
Singapore. During the year, SETSCO
also completed a shutdown project at
a chemical plant in Jurong Island.
<span style="color: red;">To broaden our scope of services,
SETSCO launched two new services
in the year</span> – certification services to
companies which seek compliances
to the requirements of different
systems such as ISO 9001, ISO 14001
and ISO 18001 and consultancy
services to provide investigation,
evaluation, analysis and advisory to
the clients that we serve.</blockquote>
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<span style="color: blue;">Vicom recently <a href="http://infopub.sgx.com/FileOpen/VICOM_3Q2018.ashx?App=Announcement&FileID=532667">released its Q3 results </a>in Nov 2018 and was up 5% in net profit and will announce its full year results on 11 Feb. This illiquid stock has a good cash flow and profit after paying out dividends each year and has no debts.</span><br />
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<b><u>ParkwayLife Reit:</u></b><span style="color: blue;"><br /></span><span style="color: blue;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj7bxBCP2241rjcpabkGtX7Ci-N4VNnBMTs5V7oEEQWc3Cd67boQj03BvPiVioxOp1ZqDJbafW9fK77aCplHaHXskHseJ8I0qFVpEVgeiS4aFIJ64SUjXMDqzH_RNzc2ex3m-w0EiU0qco/s1600/Parkway.png" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="892" data-original-width="1600" height="356" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj7bxBCP2241rjcpabkGtX7Ci-N4VNnBMTs5V7oEEQWc3Cd67boQj03BvPiVioxOp1ZqDJbafW9fK77aCplHaHXskHseJ8I0qFVpEVgeiS4aFIJ64SUjXMDqzH_RNzc2ex3m-w0EiU0qco/s640/Parkway.png" width="621" /></a></span><span style="color: blue;">ParkwayLife REIT has been one of the most consistent counters with sustainable dividends and growth over the years. </span><br />
<blockquote class="tr_bq">
Parkway Life REIT ("PLife REIT") is Asia's largest listed healthcare REIT. It invests in income-producing real estate and real estate-related assets, used primarily for healthcare and/or healthcare-related purposes. As at 31 December 2018, PLife REIT's total portfolio size stands at 50 properties totaling approximately S$1.86 billion.</blockquote>
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<span style="color: blue;">PLife owns 3 major hospitals in Singapore namely <a href="http://www.plifereit.com/portfolio/mountelizabeth.asp">Mount Elizabeth Hospital</a> , <a href="http://www.plifereit.com/portfolio/gleneagles.asp">Gleneagles Hospital</a> and <a href="http://www.plifereit.com/portfolio/parkway_east.asp">Parkway East Hospital</a>. It also owns <a href="http://www.plifereit.com/portfolio/gleneagles_KL.asp">Gleneagles Intan Medical Centre in Kuala Lumpur</a>. It also owns a <a href="http://plifereit.com/portfolio/nursinghome.asp">host nursing homes in Japan</a>.<br /><br />PLife also has a some features in place that gives it some buffer in trying times, namely the Triple Net Lease and also CPI + 1% rent review formula that guarantees 1% growth in rent if theres a deflation. For its Japan nursing homes, it also has a long term favourable lease structure with 100% committed occupancy.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjyEyl7fUq5njZnvctNsf4BGXXhae6bKP4J20yZTHfe_yDhXVvEABlZz02ipj2BQPTeD4ni9fqPo5WAOC2gT7NhuNhBQGqrc3k6ZgmwNx2G3kaYpDP90r4Tgxw9a31B73Jnhfv3tPJPgyI/s1600/parkway2.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="677" data-original-width="930" height="290" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjyEyl7fUq5njZnvctNsf4BGXXhae6bKP4J20yZTHfe_yDhXVvEABlZz02ipj2BQPTeD4ni9fqPo5WAOC2gT7NhuNhBQGqrc3k6ZgmwNx2G3kaYpDP90r4Tgxw9a31B73Jnhfv3tPJPgyI/s400/parkway2.PNG" width="400" /></a></div>
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<span style="color: blue;">Unsurprisingly, PLife's revenue and DPU have generally been on the rise over the years.</span><br />
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<b><span style="font-size: large;">Short term trading strategies</span></b></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiqPviKR0J9cgzrHd7JCUEKHSrOkZ_yj6btv0kg8WlwvC9QbeqxQaRkG3f6hG4M5iY0WmmdfyLdRvcCt2nlBiTVVcOlXbZ2LRXA_xTDfM2wHuSGa-GBMH2FogXsRt1nDaGOZBfv5gqSQZ0/s1600/short+volume+analysis.PNG" imageanchor="1" style="margin-left: auto; margin-right: auto; text-align: center;"><img border="0" data-original-height="740" data-original-width="1420" height="332" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiqPviKR0J9cgzrHd7JCUEKHSrOkZ_yj6btv0kg8WlwvC9QbeqxQaRkG3f6hG4M5iY0WmmdfyLdRvcCt2nlBiTVVcOlXbZ2LRXA_xTDfM2wHuSGa-GBMH2FogXsRt1nDaGOZBfv5gqSQZ0/s640/short+volume+analysis.PNG" width="621" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Example of short volume analysis done on the week of 28th Jan</td></tr>
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I have a half-baked hypothesis that I'm trying out at the moment: SGX has daily and weekly short sell volumes and recently I started to look at how these short sell volumes translate into chart movements daily, if they are absorbed well by buyers.<br />
<b><span style="font-size: large;"><br /></span></b>From what I think these should give me an indication of:<br />
<ul>
<li>Short term bullishness/bearishness</li>
<li>Relative changes in traded short volumes</li>
<li>Expose me to various counters on the SGX I have never analysed before as a new investor</li>
</ul>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjWRQVjGBOSPd7u-J2iW8jGbl4Qxzi7DweKsrP4nvGj2lQdb119jyErePZZjJJzp6XnNMOe0ngX147bowNr3zSwg8WoFKwzf1lZoJdNdllwNli2cw6Zsi_E4DBp1lkodgCh8iacOW7CO60/s1600/testing.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="321" data-original-width="220" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjWRQVjGBOSPd7u-J2iW8jGbl4Qxzi7DweKsrP4nvGj2lQdb119jyErePZZjJJzp6XnNMOe0ngX147bowNr3zSwg8WoFKwzf1lZoJdNdllwNli2cw6Zsi_E4DBp1lkodgCh8iacOW7CO60/s320/testing.jpg" width="219" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">A recent analysis done on 30th Jan 2019</td></tr>
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These are some of the counters that popped up from the daily analysis that took place last week. Corroboration of data with daily charts, TA and trending would help me to study some of these counters more in depth. Either way, this is still a work in progress as I can see that its giving a bit of mixed results and I cannot be sure if this is a case of "the rising tide lifts all boats".<br />
<br />
Either way, it exposed me to a counter which I entered with a small position on 28th Jan (based on previous week). <span style="color: red;">The counter entered was Citic Envirotech at $0.39.</span><br />
<br />
Citic Envirotech is an S-chip (China companies listed on the Singapore stock exchange and many would siam far far away) and is a leading membrane-based integrated environmental solutions provider specializing in water and wastewater treatment, water supply and recycling. It is also engaged in sludge and hazardous waste treatment as well as river restoration. CEL undertakes both turnkey and investment projects as well as provides plant operation and maintenance services in water and environmental projects.</div>
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<a href="https://layersinvesting.blogspot.com/2019/01/invest-in-water-citic-envirotech.html">Layers on Investing note did a rather comprehensive writeup</a> on Citic even though he decided against being vested. I would have to admit that my research into this company would be paltry compared to what Layers has done. Anyway, recent news of it securing contracts are likely to boost confidence, to which I will look to sell on news.<br />
<br />
As this is a highly speculative position for me, I am only vested in a small position.</div>
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<b><u>Daily Chart</u></b><br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKHbUP6x3j9Z_4PrpOqjrlOJbl2GRVuPK0BhIVlEtFwWlFIiM5DZPK4IHNPBlr7OJvOtcsNABo0N0Wnj3XU4tIHkWnk39O1YYjGcL_WL20Adk7sQPDgmgam0r2ZmepABpW7GhwXzuLFiE/s1600/Citic+1.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="892" data-original-width="1600" height="356" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKHbUP6x3j9Z_4PrpOqjrlOJbl2GRVuPK0BhIVlEtFwWlFIiM5DZPK4IHNPBlr7OJvOtcsNABo0N0Wnj3XU4tIHkWnk39O1YYjGcL_WL20Adk7sQPDgmgam0r2ZmepABpW7GhwXzuLFiE/s640/Citic+1.png" width="621" /></a><br />
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<b><u>Weekly Chart</u></b><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSQmgBWfgm9IjUGz-swrBSzJtr2X5K9lXHwQGkAJaUqBhVH0gOcQTAzgplLbEYBSM3NK_2OSb1nQchDTAk7whXk4cMwMGKJite_he6x7ef8uBFddVcxaGyKLmiu6cvuQCEsagSR3WUDpU/s1600/Citic+2.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="850" data-original-width="1600" height="338" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSQmgBWfgm9IjUGz-swrBSzJtr2X5K9lXHwQGkAJaUqBhVH0gOcQTAzgplLbEYBSM3NK_2OSb1nQchDTAk7whXk4cMwMGKJite_he6x7ef8uBFddVcxaGyKLmiu6cvuQCEsagSR3WUDpU/s640/Citic+2.png" width="621" /></a></div>
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<b><u><span style="font-size: large;">Portfolio as of 3rd February 2019</span></u></b><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxgsVNNm7HcDXbeCdFj9sk_D5IjWkQe1BXKoKU2RY1RVSWbFGGN-NtZ0OS0fNSU2f5R9cBZz3B0ZptLP7YeW7EzFxAeYhujBpLhQK3VQJOK9p8Sjhfu6qA0rJS9zmXLD6xONtVzBl07Ks/s1600/portfolio+jan+2019.PNG" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="258" data-original-width="664" height="248" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxgsVNNm7HcDXbeCdFj9sk_D5IjWkQe1BXKoKU2RY1RVSWbFGGN-NtZ0OS0fNSU2f5R9cBZz3B0ZptLP7YeW7EzFxAeYhujBpLhQK3VQJOK9p8Sjhfu6qA0rJS9zmXLD6xONtVzBl07Ks/s640/portfolio+jan+2019.PNG" width="621" /></a><b><u><span style="font-size: large;"><br /></span></u></b><br />
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<span style="font-size: small;">Until Next Time, </span><br />
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<b><span style="color: red; font-size: x-large;">K.C.</span></b></div>
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<i>If you like this post, you might <a href="https://www.facebook.com/30yroldinvestor/">like our facebook page</a> as well. </i><i>I'm also on <a href="https://www.investingnote.com/users/kc_30#/?display=profile&user=kc_30&tab=latest">Investing Note</a>.</i></div>
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<span style="font-size: large;"><b>Related topics:</b><br />1. <a href="https://30yearoldinvestor.blogspot.com/p/about-me.html">About K.C. What is my story?</a><br />2. <a href="https://30yearoldinvestor.blogspot.com/2018/02/my-3c-money-investing-philosophy.html">My 3Cs to money/investing</a><br />3. <a href="https://30yearoldinvestor.blogspot.com/2018/07/if-you-spend-what-you-earn-you-need-to.html">Why you need to set aside money for savings first</a><br />4. <a href="https://30yearoldinvestor.blogspot.com/2018/12/2018-year-end-review.html">My 2018 Year end review</a></span><br />
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<i style="background-color: white; color: #515151; font-family: "droid serif", sans-serif; font-size: 14px;">Disclaimer: The above information are for personal discussion purposes only and do not constitute financial advice. Do conduct your due diligence before making any financial decision. "30 Year Old Investor" shall not be liable for any loss or damage of any kind arising from the result of your reliance of the information contained on this site.</i><span style="background-color: white; color: #515151; font-family: "droid serif" , sans-serif; font-size: 14px;"> </span></div>
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30YearOldInvestorhttp://www.blogger.com/profile/18442456587123026225noreply@blogger.com3tag:blogger.com,1999:blog-7295314650616694802.post-38248663002407818832019-01-22T07:25:00.002-08:002019-03-01T00:34:05.230-08:00What an ex-insurance agent will tell you about Insurance agents/companies<i><span style="color: #e06666;">Disclaimer: I am no longer an insurance agent but from my 2 years in the industry I have seen quite a bit of the ugly side of the industry. This post contains my personal opinions. They are meant to educate and not to constitute personal financial advice. For any decisions undertaken to purchase insurance policies, please do your own due diligence.</span></i><br />
<i><br /></i>
Recently, I saw an agent post a rather "click-baitish" post titled <b>"Things Agents don't tell you about Whole-Life policies".</b> He went on to summarise what he thought consumers should take note when buying whole-life policies. (It would be good to know what Whole life policies are and <a href="https://www.moneysense.gov.sg/articles/2018/10/understanding-whole-life-insurance">MoneySense has a good page informing us what a Whole Life policy is.</a>) <br />
<br />
His summary on his post read:<br />
<br />
<blockquote class="tr_bq">
Bottom-line:<br />
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1) ALWAYS ASK FOR A COMPARISON<br />
2) cost =/= coverage<br />
3) Same name but different definition</blockquote>
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Firstly, there are a few problems with this kind of over-simplified posts/trail of thought, so I would like to expand the discussion further:<br />
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<b><u>1. Always ask for a comparison: </u></b></div>
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I assume that this agent belongs to a group of "Independant Financial Advisors (IFA)". Usually, some of these IFA agents try to sell to consumers by telling them that they carry more products than a tied-agent (an agent who can only represent a single insurer) and therefore they are less biased. Is that really true?<br />
<br />
<span style="color: blue;">My opinion: Just because they can carry a few more products and can do a comparison between the few products/ competitor products does not mean they are always impartial/ fair/ ethical. Many are still just product sellers. </span></div>
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<span style="color: blue;"><br /></span></div>
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<span style="color: blue;">"Asking for comparisons" won't help much because the information is still stacked against the consumer unless the consumer is less lazy to do homework himself. A better suggestion might even be to ask for comparison from different agents/companies and doing that last lap yourself as a consumer so you know that you are not tricked by anyone!</span><br />
<blockquote class="tr_bq">
<span style="color: blue;"><br /></span><span style="color: blue;">NEVER TRUST ANYONE ELSE WITH YOUR OWN MONEY</span></blockquote>
<span style="color: blue;"><br />If we rely on the agent for due diligence, we are at the mercy of the agent's mistakes. They may also be motivated by "promotions/incentives" for pushing certain products because there are better commissions to be earned for a particular period. There is just no way the end consumer will know about all these sweet deals behind the back. The only way one can eliminate the risk posed by an insurance agent is to do your due diligence, find a very trustworthy/reliable agent or eliminate the risk of the agent altogether. </span><br />
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<b><u><br /></u></b>
<b><u>2. Cost =/= Coverage:</u></b><br />
This can just be a lame excuse to up-sell you a more expensive plan than what you really need or push you extra coverage you may not need. Generally, similar insurance plans don't really differ by that much. <br />
<br />
<span style="color: blue;">My opinion: I would rather you check with the insurance agent the ease of claim or claims history pertaining to similar policies that you are buying. Of course, if you are very rich, you can cover any thing you want as long as you can pay for it. But chances are, ordinary folks don't need excessive coverage. Lower cost and bang for buck should be what consumers go for. In fact, this is why the government came up with a way to do off with paying insurance agent's commissions!<br /><br /><b><span style="font-size: large;">Did you know? </span></b></span><br />
<span style="color: blue;">You can now go direct to insurance companies WITHOUT going through the agent? This is meant to benefit the consumer (who does not need advice). Times have changed. With the smart phone and a click of a button, you can easily become a consumer who does not need "advice" from an insurance agent. <br /><br />In the past, if we wanted to buy stocks, we had to go through brokers. Nowadays, this middleman role is increasingly diminished because of online platforms and mobile apps that allow us to directly deal with stock brokerages without the middle man, thereby decreasing fees paid. The same can be said for the insurance industry. </span><br />
<span style="color: blue;"><br /></span>
<span style="color: blue;">As long as one is not lazy he/she can easily find out what type of insurance cover they need from various resources online. There are also some very experienced advisors online who share information freely, for example, you can find alot of information regarding insurance on <a href="https://www.ifa.sg/">Wilfred Ling's</a> page. Wilfred is a fee-based advisor who frequently posts about certain phenomenon and updates in the insurance industry. Fee-based advisors such as Wilfred plan for clients which sometimes do not result in purchase of financial products at all and hence have little to no conflict of interest (we shall touch more on that later on).<br /><br />The government has even built a website meant to educate us on what is insurance, and what our needs, to even comparing direct purchase insurance based on our criteria. IF ONLY ONE ISN'T LAZY.</span><br />
<span style="color: blue;"><br /></span>
<span style="color: red; font-size: x-large;"><b><u>Introducing: CompareFIRST</u></b></span><br />
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<iframe allow="accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture" allowfullscreen="" frameborder="0" height="315" src="https://www.youtube.com/embed/-y-c4uLTcfk" width="560"></iframe>
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<span style="color: blue;"><a href="http://www.comparefirst.sg/wap/homeEvent.action">http://www.comparefirst.sg/wap/homeEvent.action </a></span><br />
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<span style="color: blue;">
</span>History of how this came about: <a href="http://www.asiaone.com/singapore/no-commission-life-insurance-ahead">http://www.asiaone.com/singapore/no-commission-life-insurance-ahead</a></div>
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<span style="color: blue;"><br /></span>
<b><u>3. Same name but different definition:</u></b><br />
This at least is a sound and valid point made by the agent who describes certain differences in how companies define certain insurance jargons. The agent claims that differences in how the terms are worded can mean they are easier or harder to claim. (This is quite subjective)<br />
<br />
<span style="color: blue;">My opinion: Again, this is subjective. I would again stress the importance of asking about claims history like how long it takes and what is the process like. Claims history is exactly the ease/difficulty of claiming. For example, I remember a certain case where a pregnant lady was not covered for a very specific pregnancy complications condition under other companies' Medishield plan but that particular condition was covered for one single company. But these are rare cases. Usually, these kind of complications might be hereditary (meaning they don't just happen). If you have family history, do check whether these are covered.<br /><br />It is important to read the insurance contract and Product Summary for the exact terms of coverage and the technical jargons and clarify anything you are unsure of. Usually people fail to read them because they are unfamiliar but these plans will follow us so it makes sense not to buy anything we don't know/fully understand.</span></div>
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<span style="color: blue;"><br /></span></div>
<div>
<span style="color: blue;">Sometimes, newer policies such as health policies tend to cover MORE conditions compared to older policies. But, older polices tend to be worded LESS specific and hence may be easier to claim. In this case, more might be less. Regarding health policies, some agents will therefore try to tell us that we should switch plans, so that we can get "More coverage". T</span><span style="color: blue;">his is actually unethical and not recommended by the industry as it may be detrimental to the consumer. </span><span style="color: blue;">Try not to cancel any policy, especially health/medical insurance policies without verifying if you might be excluded certain conditions as you may not be as healthy as when you bought the old policy.</span><br />
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<span style="color: red; font-size: large;"><br /><b><u>THE INSURANCE INDUSTRY's FLAW: COMMISSIONS</u></b></span><br />
Now, we come to the main point. There is an inherent flaw with insurance agents in Singapore being compensated on a commission structure. This means that if they sell you a policy, they get a cut of money from your premiums. If they don't close a deal, they don't get anything. Usually an agent stop receiving commissions from us after 3 years into a whole life policy or investment linked policy. This is why they have to continually find new clients or try to sell us newer plans, or make us switch plans.<br />
<br />
Linking back to the previous point about agents being able to make comparisons between different insurance products, I do know for a fact that many unethical agents just do product selling. And they tend to push products that give them the most commissions at that time so that it favours them. To them, it is just a win-win situation. (it is just human nature)<br />
<br />
They may claim to compare for you, but they can certainly favour certain products that they are incentivised to push to you by claiming that comparably it is better. There is just no way for the end consumer to know anything about this and therefore the odds are stacked against the end consumer.<br />
<br />
Of course, I'm critical of it, but I guess there are still some ethical agents out there, but let's just be honest to say. If rubber hits the road, we cannot be sure if the agent will take care of his own wallet or ours. The commission structure therefore may force our insurance agents to put their needs before our needs or even influence them to make detrimental decisions for clients.<br />
<br />
At the end of the day, agents come and go. But we will be the ones to be "stuck" with the insurance plans for life. Therefore, I would urge us not to spare that little time and be diligent in our whole planning of finances, including insurance.<br />
<br />
This is why as long as the insurance industry stays as a commission structure, <i><span style="color: red;"><b>there will always be a conflict of interest.</b></span></i> This rings true even for agents who claim to be from "independant agencies". We should take ownership of our own insurance portfolios because there will be none to blame other then ourselves when disputes of claims arises.<br />
<br />
<span style="font-size: large;"><b>Did you know? </b></span><br />
There is a difference between how insurers sees what a good agent is vs. how a consumer sees it. The good agent for the insurer is the one that brings in the most sales and the insurer rewards them with monetary incentives and other incentives such as paid travel trips for hitting sales quotas and targets. The good agent for the consumer is the one that takes cares of the needs of the consumer and we hope that he is ethical. Unfortunately, we cannot be sure that ethical agents won't be moved/ influenced to make decisions to maximise their own benefit at the expense of the consumer.<br />
<br />
Indeed, there has been much criticism of how the industry's commission structure and how it has led to unethical practices such as switching or churning. (as described in article below)<br />
<br />
On 30th November 2018, an article came out in the Straits Times:<br />
<br />
<div class="smallfont" style="font-family: Verdana, sans-serif; font-size: 11px; margin: 0px; padding: 0px;">
<strong style="margin: 0px; padding: 0px;">Singapore life insurers in growing unease as MAS zooms in on agents' compensation</strong></div>
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<span class="byline" style="color: #666666; display: block; font-size: 11px; font-style: italic; margin: 0px 0px 5px; padding: 0px;">Quote:</span><br />
<blockquote style="margin: 0px; padding: 0px;">
<span style="color: #444444;">SINGAPORE - Singapore's financial regulator has ramped up efforts in recent weeks to look more deeply into life insurers' compensation structures for agents, triggering a sense of nervousness in the industry.</span><br />
<br style="margin: 0px; padding: 0px;" />
<span style="color: #444444;">The Straits Times understands from market sources, who spoke on condition of anonymity, that senior agency leaders of Prudential - one of the major life insurance players - were roped in to help with queries from the Monetary Authority of Singapore (MAS) more than a month ago.</span><br />
<br style="margin: 0px; padding: 0px;" />
<span style="color: #444444;">Separately, the MAS also paid a visit to an office linked to Aviva, one of the smaller players, although details are not clear, they added.</span><br />
<br style="margin: 0px; padding: 0px;" />
<span style="color: #444444;">Prudential has declined comment while Aviva could not be reached.</span><br />
<br style="margin: 0px; padding: 0px;" />
<span style="color: #444444;">Some others have been asked to furnish the regulator with information on how they compensate agents or advisers if they also have their own financial advisory arms.</span><br />
<br style="margin: 0px; padding: 0px;" />
<span style="color: #444444;">The line of questioning, ST was told, is centred on whether insurers who rely on agents or advisers to distribute their products have breached any rules in their compensation structures.</span><br />
<br style="margin: 0px; padding: 0px;" />
<span style="color: #444444;">"They are reviewing all the big deals that are going on and how various parties are being renumerated," one industry veteran said.</span><br />
<br style="margin: 0px; padding: 0px;" />
<span style="color: #444444;">Recent developments have triggered a sense of unease in the industry, with two senior executives saying there are concerns there will be "draconian" rules dictating how insurers pay their agents or advisers.</span><br />
<br style="margin: 0px; padding: 0px;" />
<span style="color: #444444;">A chief executive of a financial advisory firm told ST: "I think it's good that MAS takes proactive steps to look into this (issue)." He added that he believes MAS will not "try to meddle too much into how a firm compensates", as a framework on this is already in place.</span><br />
<br style="margin: 0px; padding: 0px;" />
<span style="color: #444444;">In the past two years, there have been reports of buyouts from several life insurance players including AIA and Aviva.</span><br />
<br style="margin: 0px; padding: 0px;" />
<span style="color: #444444;">It is common practice to offer migration or buyout packages when poaching, not unlike practices in other sectors including the legal sector.</span><br />
<br style="margin: 0px; padding: 0px;" />
<span style="color: #444444;">But renewed poaching activity in the later half of 2017 caught the attention of the MAS, which previously said it would keep close tabs on mass migration developments.</span><br />
<br style="margin: 0px; padding: 0px;" />
<span style="color: red;">Observers have pointed out that poached agents have to meet their new targets set by the insurer, in turn creating higher risks of switching or churning of policies.</span><br />
<br style="margin: 0px; padding: 0px;" />
<span style="color: red;">Policy switching refers to the replacement of existing insurance plan issued by another company under the inducement of agents or advisers, while churning occurs when an adviser or agent buys and sells different policies frequently under a policyholder's account, thereby generating a lot commission but does little to meet the needs of the client.</span></blockquote>
<br />
<blockquote style="margin: 0px; padding: 0px;">
<span style="color: #444444;">Currently, the MAS is finalising regulations on proposed measures to govern large scale movement of advisers from one financial advisory firm to another.</span><br />
<br style="margin: 0px; padding: 0px;" />
<span style="color: #444444;">The regulator issued a consultation paper in March this year on these suggestions.</span><br />
<br style="margin: 0px; padding: 0px;" />
<span style="color: #444444;">In the same month, the Life Insurance Association Singapore also issued industry guidelines on sign-on incentives to promote more responsible recruitment practices in the industry to safeguard the interests of consumers.</span><br />
<br style="margin: 0px; padding: 0px;" />
<span style="color: #444444;">These include setting sales targets at a reasonable level, paying sign-on incentives over a minimum period of six years and enhanced monitoring of the agents for at least two years.</span></blockquote>
</div>
</div>
<br />
<b><span style="font-size: large;"><u>I would humbly suggest:</u></span></b><br />
<br />
<b><span style="color: blue;">1. EDUCATE YOURSELF:</span></b> Find out what Insurance is and how it works </div>
<div>
- <a href="http://www.lia.org.sg/">http://www.lia.org.sg/</a> (Life Insurance Association, Singapore)<br />
- <a href="https://www.moneysense.gov.sg/insurance">https://www.moneysense.gov.sg/insurance</a> (MoneySense)<br />
<br />
First and foremost think about your own insurance portfolio as a whole. It's aim is to prevent us from financial disaster. If we have dependants (family) who will be affected adversely if we meet any misfortune, we need to plan our insurance accordingly. Understand what insurance policies are used for. Always question what is their purpose in your financial portfolio. If you do not have a purpose for any of them, you don't need them!<br />
<br />
<b><span style="color: blue;">2. Ask for facts/ figures and terms:</span></b><br />
When you meet the agent, ask for the benefit illustration and the definitive terms of the insurance contracts. See the numbers and look at the facts and defined terms instead of being sweet-talked into buying a plan just because you trust your friend/agent. This is not being offensive, just pragmatic since we are on the receiving end of it. Do some research on the policy. Ask about any Claims history the policy has from the agent. Take note if you have medical conditions or anything hereditary that runs in the family. Find out how those conditions may affect you.<br />
<br />
<span style="color: blue;"><b>3. Protect yourself as a consumer:</b></span><br />
When you sign an insurance plan, do be aware that there is actually a <b><span style="color: red;">14 days "free-look" period </span></b>where you can cancel the policy <span style="color: red;">without suffering any penalty</span>. This is a feature to protect the consumer such that we can cancel any policy after we go back and really evaluate our situation and how the insurance policy makes sense for us.<br />
<br />
<span style="font-size: large;"><b>Did you know? </b></span><br />
You can also look up an insurance agent's Representatives Notification Framework (RNF) code or number which at the MAS website to see if the agent has any previous records of disciplinary infractions on his conduct. (Currently under maintenance, I will update the link here later on)<br />
<br /><b><span style="color: red;">LINK UPDATED (1/3/2019): </span></b><a href="https://eservices.mas.gov.sg/rr">https://eservices.mas.gov.sg/rr</a><br /><br />
<span style="background-color: white; color: #333333; font-family: "raleway" , "helvetica neue" , "helvetica" , "roboto" , "arial" , , "hiragino sans gb" , "wenquanyi micro hei" , "heiti sc" , , "microsoft yahei" , , "microsoft jhenghei" , , , "stheiti" , "lihei pro" , , sans-serif; font-size: 16px;"> </span><strike><a class="postlink" href="http://www.mas.gov.sg/fi_directory/RR_index.html" rel="nofollow" style="background-color: white; border-bottom: 1px solid rgb(21, 185, 235); box-sizing: inherit; color: #006185; cursor: pointer; direction: ltr; font-family: Raleway, "Helvetica Neue", Helvetica, Roboto, Arial, PingFangSC-light, "Hiragino Sans GB", "WenQuanYi Micro Hei", "Heiti SC", 冬青黑, "Microsoft YaHei", 微软正黑体, "Microsoft JhengHei", 微软雅黑, 宋体, STHeiti, "LiHei Pro", 华文黑体, sans-serif; font-size: 16px; line-height: inherit; margin: 0px; padding: 0px; text-decoration-line: none; unicode-bidi: embed;" target="_blank">http://www.mas.gov.sg/fi_directory/RR_index.html</a><span style="background-color: white; color: #333333; font-family: "raleway" , "helvetica neue" , "helvetica" , "roboto" , "arial" , , "hiragino sans gb" , "wenquanyi micro hei" , "heiti sc" , , "microsoft yahei" , , "microsoft jhenghei" , , , "stheiti" , "lihei pro" , , sans-serif; font-size: 16px;"> </span></strike><br />
<strike><a href="http://www.mas.gov.sg/Regulations-and-Financial-Stability/Regulations-Guidance-and-Licensing/Financial-Advisers/Register-of-Representatives.aspx">http://www.mas.gov.sg/Regulations-and-Financial-Stability/Regulations-Guidance-and-Licensing/Financial-Advisers/Register-of-Representatives.aspx</a> (Links are still broken on this page, they are updating the site)</strike><br />
<br />
It is important to know who you are dealing with and he/she should be someone competent without any integrity issues.<br />
<br />
<b><span style="color: blue;">4. Never, never never mix insurance and investments:</span></b><br />
The cost of investing with an insurer is akin to eating a sweet with a thick layer of wrapping paper to make the sweet look big. Retail investors should seek to keep costings low so as to maximise returns over time. Tip: Look at the "Cost of deductions/ Effects of deductions" on Benefit Illustrations.<br />
<br />
I would encourage retail investors to try to look for lower cost investment vehicles such as ETF with banks or even Singapore savings bonds than put with endowment or Investment-linked products because of lower cost and there is no lock-in period or penalties for early withdrawal of money.<br />
<br />
Recently, Kyith at investment moats also wrote a very interesting article for which I leave you to draw your own conclusions:<br />
<b><u><a href="http://investmentmoats.com/budgeting/do-your-insurance-saving-plans-endowment-give-you-3-to-5-returns/">Does your Insurance Saving Plans (Endowment) give you 3 to 5% returns?</a></u></b><br />
<b><br /></b>
Of course, there are people who are lazy but are rich and can afford it.<br />
<br />
If you are lazy and still want to be rich, something has gotta give. The Singapore insurance industry has come a long way since but there is still work to be done to better protect the consumer. But, there are just some things we do not want to leave to chance.<br />
<br />
<br />
Until Next Time,<br />
<span style="color: red; font-size: x-large;"><b>K.C.</b></span><br />
<div>
<br />
<i>If you like this post, you might <a href="https://www.facebook.com/30yroldinvestor/">like our facebook page</a> as well. I'm also on <a href="https://www.investingnote.com/users/kc_30#/?display=profile&user=kc_30&tab=latest">Investing Note</a>.</i><br />
<br />
<b style="font-size: x-large;">Related topics:</b><br />
<span style="font-size: large;">1. </span><a href="https://30yearoldinvestor.blogspot.com/p/about-me.html" style="font-size: x-large;">About K.C. What is my story?</a><br />
<span style="font-size: large;">2. </span><a href="https://30yearoldinvestor.blogspot.com/2018/02/my-3c-money-investing-philosophy.html" style="font-size: x-large;">My 3Cs to money/investing</a><br />
<span style="font-size: large;">3. </span><a href="https://30yearoldinvestor.blogspot.com/2018/07/if-you-spend-what-you-earn-you-need-to.html" style="font-size: x-large;">Why you need to set aside money for savings first</a></div>
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30YearOldInvestorhttp://www.blogger.com/profile/18442456587123026225noreply@blogger.com18tag:blogger.com,1999:blog-7295314650616694802.post-87604987122886697882018-12-20T11:09:00.001-08:002019-01-06T07:52:57.342-08:002018 Year End Review<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi1NYaqcbmJJ25W8drhu6s5Cjt3BQfnQEmFH-EqK1HezBuhm4FVfUsMyxUqVUHRC30PT-UoM7a2M5gzOQokloQc1YUQffrJOwVlKx4-WOiaucbrPuIaIri2WmaT45VHc3oOyzQya1jQa6U/s1600/Seasons+greetings.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="704" data-original-width="809" height="347" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi1NYaqcbmJJ25W8drhu6s5Cjt3BQfnQEmFH-EqK1HezBuhm4FVfUsMyxUqVUHRC30PT-UoM7a2M5gzOQokloQc1YUQffrJOwVlKx4-WOiaucbrPuIaIri2WmaT45VHc3oOyzQya1jQa6U/s400/Seasons+greetings.PNG" width="400" /></a></div>
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End of 2018 is near. I set out to achieve the following goals as listed previously in a blog post: </div>
<br />
<b style="background-color: white; color: #515151; font-family: "Droid Serif", sans-serif; font-size: 14px;"><span style="border: none; font-size: medium; margin: 0px; outline: none; padding: 0px;">My 2018 Goal and objectives:</span></b><br />
<a href="https://30yearoldinvestor.blogspot.com/2018/02/my-reits-plan-for-year-and-my-first.html" style="background-color: white; border: none; color: #e03f00; font-family: "Droid Serif", sans-serif; font-size: 14px; margin: 0px; outline: none; padding: 0px; text-decoration-line: none; transition: background-color 0s ease 0s, color 0.2s linear 0s;">https://30yearoldinvestor.blogspot.com/2018/02/my-reits-plan-for-year-and-my-first.html</a><br />
<br />
<span style="font-size: x-large;"><b><u>Goals:</u></b></span><br />
1. Save between lower target of $12,000 and higher target of $15,000 and buy REITS.<br />
<span style="color: blue;">Comment: I achieved my savings target of $15,000. In fact, I saved a total of $18,222.79.</span><br />
<div>
<span style="color: red;"><i><br /></i></span>2. Buy one REIT/Dividend Stock every 2 months to lower the cost (DBS cash upfront)<br />
<span style="color: blue;">Comment: I currently hold 2 REITs, 1 stock and Singapore Savings Bonds. I refrained from making too many transactions so as to minimise cost. And also decided to hold more cash for better opportunities/entries, or to buy a REIT with more lots to minimise costing.</span><br />
<span style="color: blue;"><br /></span>
<span style="font-size: x-large;"><b><u>Statistics for the year and reflections:</u></b></span></div>
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<br /></div>
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Current holdings: </div>
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<table cellpadding="0" cellspacing="0" dir="ltr" style="font-family: arial,sans,sans-serif; font-size: 10pt; table-layout: fixed; width: 0px;" xmlns="http://www.w3.org/1999/xhtml"><colgroup><col width="54"></col><col width="87"></col><col width="58"></col><col width="78"></col><col width="81"></col><col width="86"></col><col width="80"></col></colgroup><tbody>
<tr style="height: 21px;"><td style="background-color: #dddddd; border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td data-sheets-value="{"1":2,"2":"Stock name"}" style="background-color: #dddddd; border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;">Stock name</td><td data-sheets-value="{"1":2,"2":"Code"}" style="background-color: #dddddd; border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;">Code</td><td data-sheets-value="{"1":2,"2":"Entry price"}" style="background-color: #dddddd; border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;">Entry price</td><td data-sheets-value="{"1":2,"2":"Shares"}" style="background-color: #dddddd; border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;">Shares</td><td data-sheets-value="{"1":2,"2":"Price"}" style="background-color: #dddddd; border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; font-weight: bold; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">Price</td><td data-sheets-numberformat="{"1":2,"2":"0.00000000","3":1}" data-sheets-value="{"1":2,"2":"% Allocation"}" style="background-color: #dddddd; border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; font-weight: bold; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">% Allocation</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":1}" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">1</td><td data-sheets-value="{"1":2,"2":"FCOT"}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); font-family: Arial; font-size: 8pt; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">FCOT</td><td data-sheets-numberformat="{"1":1}" data-sheets-value="{"1":2,"2":"ND8U"}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; font-size: 8pt; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: middle;">ND8U</td><td data-sheets-numberformat="[null,2,"0.0000",1]" data-sheets-value="{"1":3,"3":1.4673699999999998}" style="background-color: #b7e1cd; border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">1.4674</td><td data-sheets-value="{"1":3,"3":1000}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">1000</td><td data-sheets-formula="=R[0]C[-1]*R[0]C[-2]" data-sheets-value="{"1":3,"3":1467.37}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">1467.37</td><td data-sheets-formula="=R[0]C[-1]/R30C[-1]*100" data-sheets-numberformat="{"1":2,"2":"0.00","3":1}" data-sheets-value="{"1":3,"3":8.847589112310724}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">8.85</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2}" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">2</td><td data-sheets-value="{"1":2,"2":"FLT"}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">FLT</td><td data-sheets-numberformat="{"1":1}" data-sheets-value="{"1":2,"2":"BUOU"}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; font-size: 8pt; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: middle;">BUOU</td><td data-sheets-numberformat="[null,2,"0.0000",1]" data-sheets-value="{"1":3,"3":1.071152}" style="background-color: #b7e1cd; border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">1.0712</td><td data-sheets-value="{"1":3,"3":2500}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">2500</td><td data-sheets-formula="=R[0]C[-1]*R[0]C[-2]" data-sheets-value="{"1":3,"3":2677.88}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">2677.88</td><td data-sheets-formula="=R[0]C[-1]/R30C[-1]*100" data-sheets-numberformat="{"1":2,"2":"0.00","3":1}" data-sheets-value="{"1":3,"3":16.146426553680833}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">16.15</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":3}" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">3</td><td data-sheets-value="{"1":2,"2":"Singtel"}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">Singtel</td><td data-sheets-numberformat="{"1":1}" data-sheets-value="{"1":2,"2":"Z74"}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; font-size: 8pt; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: middle;">Z74</td><td data-sheets-numberformat="[null,2,"0.0000",1]" data-sheets-value="{"1":3,"3":3.3181599999999998}" style="background-color: #b7e1cd; border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">3.3182</td><td data-sheets-value="{"1":3,"3":1000}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">1000</td><td data-sheets-formula="=R[0]C[-1]*R[0]C[-2]" data-sheets-value="{"1":3,"3":3318.16}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">3318.16</td><td data-sheets-formula="=R[0]C[-1]/R30C[-1]*100" data-sheets-numberformat="{"1":2,"2":"0.00","3":1}" data-sheets-value="{"1":3,"3":20.00703046191823}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">20.01</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":4}" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">4</td><td data-sheets-value="{"1":2,"2":"SSB"}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">SSB</td><td data-sheets-numberformat="{"1":1}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; font-size: 8pt; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: middle;">just for reference</td><td data-sheets-numberformat="[null,2,"0.0000",1]" data-sheets-value="{"1":3,"3":1}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">1.0000</td><td data-sheets-value="{"1":3,"3":2000}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2000</td><td data-sheets-value="{"1":3,"3":2002}" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2002</td><td data-sheets-formula="=R[0]C[-1]/R30C[-1]*100" data-sheets-numberformat="{"1":2,"2":"0.00","3":1}" data-sheets-value="{"1":3,"3":12.071170463377383}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">12.07</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":5}" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">5</td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td data-sheets-numberformat="{"1":1}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; font-size: 8pt; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: middle;"></td><td data-sheets-numberformat="[null,2,"0.0000",1]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;"></td><td data-sheets-numberformat="{"1":2,"2":"0.00","3":1}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;"></td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":6}" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">6</td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;"></td><td data-sheets-numberformat="{"1":1}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; font-size: 8pt; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: middle;"></td><td data-sheets-numberformat="[null,2,"0.0000",1]" style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"></td><td style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"></td><td style="border-bottom: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"></td><td data-sheets-numberformat="{"1":2,"2":"0.00","3":1}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;"></td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":7}" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">7</td><td data-sheets-value="{"1":2,"2":"Cash"}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">Cash</td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;"></td><td data-sheets-numberformat="[null,2,"0.0000",1]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;"></td><td data-sheets-formula="=R[1]C[0]-R[-3]C[0]-R[-4]C[0]-R[-5]C[0]-R[-6]C[0]" data-sheets-value="{"1":3,"3":7119.56}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">7119.56</td><td data-sheets-formula="=R[0]C[-1]/R30C[-1]*100" data-sheets-numberformat="{"1":2,"2":"0.00","3":1}" data-sheets-value="{"1":3,"3":42.92778340871283}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">42.93</td></tr>
<tr style="height: 21px;"><td style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td data-sheets-value="{"1":2,"2":"Total Amount"}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; font-weight: bold; overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;">Total Amount</td><td data-sheets-value="{"1":3,"3":16584.97}" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; font-weight: bold; overflow: hidden; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">16584.97</td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; overflow: hidden; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td></tr>
</tbody></table>
<span style="background-color: white; color: #515151; font-family: "droid serif" , sans-serif; font-size: 14px;">*figures do not contain CPF and insurance commitments</span></div>
<div>
<span style="color: #515151; font-family: "droid" serif , sans-serif;"><span style="font-size: 14px;"><br /></span></span>Straits Times Index YTD performance: -10.35%</div>
<div>
My portfolio performance: -8.99%<br />
Dividends collected YTD: $350.75</div>
<div>
<br /></div>
<div>
<span style="color: blue;">Comment: My only profitable counter for this year was Frasers Logistic and Industrial Trust. My main losses came from trying to trade positions in AEM, Creative and APTT. Those did not go well as it is very difficult to do trading while I am at work. Work demands make it almost impossible as I am not able to play with the BBs in action. I was trying to make quick trades but halfway had to attend to work. Things got ugly and I got stuck having to make cut-losses to ensure that I stay on course for my savings plans. </span></div>
<div>
<span style="color: blue;"><br /></span></div>
<div>
<span style="color: blue;">With the market getting more volatile and more scares of a impending bear market, perhaps the attractiveness of the Singapore Savings Bonds as a safe-haven for cash makes it very useful.</span></div>
<br />
<iframe frameborder="0" marginheight="0" marginwidth="0" scrolling="no" src="//ws-na.amazon-adsystem.com/widgets/q?ServiceVersion=20070822&OneJS=1&Operation=GetAdHtml&MarketPlace=US&source=ac&ref=qf_sp_asin_til&ad_type=product_link&tracking_id=kc30yroldinve-20&marketplace=amazon&region=US&placement=0060555661&asins=0060555661&linkId=5675fb603e4dd06ca9fb454887496a27&show_border=false&link_opens_in_new_window=true&price_color=333333&title_color=0066c0&bg_color=ffffff" style="height: 240px; width: 120px;">
</iframe>
<iframe frameborder="0" marginheight="0" marginwidth="0" scrolling="no" src="//ws-na.amazon-adsystem.com/widgets/q?ServiceVersion=20070822&OneJS=1&Operation=GetAdHtml&MarketPlace=US&source=ac&ref=qf_sp_asin_til&ad_type=product_link&tracking_id=kc30yroldinve-20&marketplace=amazon&region=US&placement=1612680194&asins=1612680194&linkId=62eeb7401947c3b1aa4a7a7d6f436a27&show_border=false&link_opens_in_new_window=true&price_color=333333&title_color=0066c0&bg_color=ffffff" style="height: 240px; width: 120px;">
</iframe>
<iframe frameborder="0" marginheight="0" marginwidth="0" scrolling="no" src="//ws-na.amazon-adsystem.com/widgets/q?ServiceVersion=20070822&OneJS=1&Operation=GetAdHtml&MarketPlace=US&source=ac&ref=qf_sp_asin_til&ad_type=product_link&tracking_id=kc30yroldinve-20&marketplace=amazon&region=US&placement=0684811634&asins=0684811634&linkId=5b61445b739b9c04bf05eb66e4c1e8cf&show_border=false&link_opens_in_new_window=true&price_color=333333&title_color=0066c0&bg_color=ffffff" style="height: 240px; width: 120px;">
</iframe>
<iframe frameborder="0" marginheight="0" marginwidth="0" scrolling="no" src="//ws-na.amazon-adsystem.com/widgets/q?ServiceVersion=20070822&OneJS=1&Operation=GetAdHtml&MarketPlace=US&source=ac&ref=qf_sp_asin_til&ad_type=product_link&tracking_id=kc30yroldinve-20&marketplace=amazon&region=US&placement=B00F2JFT96&asins=B00F2JFT96&linkId=cf221c784a10ea55d5a3e7c3f7e577ef&show_border=false&link_opens_in_new_window=true&price_color=333333&title_color=0066c0&bg_color=ffffff" style="height: 240px; width: 120px;">
</iframe>
<br />
<div>
<span style="color: blue; font-size: x-large;"><b><u><br /></u></b></span></div>
<div>
<b><u><span style="font-size: x-large;">Projection: </span></u></b></div>
<div>
<br /></div>
<div>
I have worked out a rough estimation based on calculations like a "benefit illustration"<br />
<br />
To attain my Goal would depend on 3 income drivers:<br />
1. Capital Gain from Portfolio<br />
2. Increase in income that I am able to save (depends on advancing career)<br />
3. Growth in dividend income collected.<br />
<br />
I should do better at the savings portion over time so this is likely a very pessimistic bare minimum non-negotiable I have to try to hit.</div>
<div>
<br /></div>
<div>
*Bright green show actual figures.</div>
<div>
<style type="text/css"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--></style><br />
<table border="1" cellpadding="0" cellspacing="0" dir="ltr" style="border-collapse: collapse; border: none; font-family: arial,sans,sans-serif; font-size: 10pt; table-layout: fixed; width: 0px;" xmlns="http://www.w3.org/1999/xhtml"><colgroup><col width="79"></col><col width="50"></col><col width="105"></col><col width="108"></col><col width="84"></col></colgroup><tbody>
<tr style="height: 21px;"><td colspan="1" data-sheets-value="{"1":2,"2":"End of Year"}" rowspan="2" style="background-color: white; border-color: rgb(0, 0, 0); color: #515151; font-family: Arial; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"><div style="max-height: 42px;">
End of Year</div>
</td><td colspan="1" data-sheets-value="{"1":2,"2":"Age"}" rowspan="2" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); border-top-color: rgb(0, 0, 0); color: #515151; font-family: Arial; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;"><div style="max-height: 42px;">
Age</div>
</td><td data-sheets-value="{"1":2,"2":"Portfolio"}" style="background-color: white; border-right-color: rgb(0, 0, 0); border-top-color: rgb(0, 0, 0); color: #515151; font-family: Arial; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Portfolio</td><td data-sheets-value="{"1":2,"2":"Current capital"}" style="background-color: white; border-right-color: rgb(0, 0, 0); border-top-color: rgb(0, 0, 0); color: #515151; font-family: Arial; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Current capital</td><td data-sheets-value="{"1":2,"2":"Estimated"}" style="background-color: white; border-right-color: rgb(0, 0, 0); border-top-color: rgb(0, 0, 0); color: #515151; font-family: Arial; font-weight: bold; overflow: hidden; padding: 2px 3px; vertical-align: bottom;">Estimated</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":2,"2":"Projected 2%/yr"}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Projected 2%/yr</td><td data-sheets-value="{"1":2,"2":"injection Rate/yr"}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">injection Rate/yr</td><td data-sheets-value="{"1":2,"2":"Dividend 3%"}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; font-weight: bold; overflow: hidden; padding: 2px 3px; vertical-align: bottom;">Dividend 3%</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2018}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2018</td><td data-sheets-value="{"1":3,"3":31}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">31</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":16584.97}" style="background-color: lime; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$16,584.97</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":497.55}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$497.55</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2019}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2019</td><td data-sheets-value="{"1":3,"3":32}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">32</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":29414.22}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$29,414.22</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":882.43}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$882.43</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2020}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2020</td><td data-sheets-value="{"1":3,"3":33}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">33</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":42884.93}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$42,884.93</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":1286.55}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$1,286.55</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2021}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2021</td><td data-sheets-value="{"1":3,"3":34}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">34</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":57029.18}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$57,029.18</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":1710.88}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$1,710.88</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2022}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2022</td><td data-sheets-value="{"1":3,"3":35}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">35</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":71880.63}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$71,880.63</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":2156.42}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$2,156.42</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2023}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2023</td><td data-sheets-value="{"1":3,"3":36}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">36</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":87474.67}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$87,474.67</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":2624.24}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$2,624.24</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2024}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2024</td><td data-sheets-value="{"1":3,"3":37}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">37</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":103848.4}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$103,848.40</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":3115.45}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$3,115.45</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2025}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2025</td><td data-sheets-value="{"1":3,"3":38}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">38</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":121040.82}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$121,040.82</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":3631.22}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$3,631.22</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2026}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2026</td><td data-sheets-value="{"1":3,"3":39}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">39</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":139092.86}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$139,092.86</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":4172.79}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$4,172.79</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2027}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2027</td><td data-sheets-value="{"1":3,"3":40}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">40</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":158047.5}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$158,047.50</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":4741.43}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$4,741.43</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2028}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2028</td><td data-sheets-value="{"1":3,"3":41}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">41</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":177949.88}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$177,949.88</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":5338.5}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$5,338.50</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2029}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2029</td><td data-sheets-value="{"1":3,"3":42}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">42</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":198847.37}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$198,847.37</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":5965.42}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$5,965.42</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2030}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2030</td><td data-sheets-value="{"1":3,"3":43}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">43</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":220789.74}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$220,789.74</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":6623.69}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$6,623.69</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2031}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2031</td><td data-sheets-value="{"1":3,"3":44}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">44</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":243829.23}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$243,829.23</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":7314.88}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$7,314.88</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2032}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2032</td><td data-sheets-value="{"1":3,"3":45}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">45</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":268020.69}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$268,020.69</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":8040.62}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$8,040.62</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2033}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2033</td><td data-sheets-value="{"1":3,"3":46}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">46</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":293421.72}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$293,421.72</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":8802.65}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$8,802.65</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2034}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2034</td><td data-sheets-value="{"1":3,"3":47}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">47</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":320092.81}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$320,092.81</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":9602.78}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$9,602.78</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2035}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2035</td><td data-sheets-value="{"1":3,"3":48}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">48</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":348097.45}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$348,097.45</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":10442.92}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$10,442.92</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2036}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2036</td><td data-sheets-value="{"1":3,"3":49}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">49</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":377502.32}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$377,502.32</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":11325.07}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$11,325.07</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2037}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2037</td><td data-sheets-value="{"1":3,"3":50}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">50</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":408377.44}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$408,377.44</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12251.32}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$12,251.32</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2038}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2038</td><td data-sheets-value="{"1":3,"3":51}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">51</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":440796.31}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$440,796.31</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":13223.89}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$13,223.89</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2039}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2039</td><td data-sheets-value="{"1":3,"3":52}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">52</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":474836.13}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$474,836.13</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":14245.08}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$14,245.08</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2040}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2040</td><td data-sheets-value="{"1":3,"3":53}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">53</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":510577.93}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$510,577.93</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":15317.34}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$15,317.34</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2041}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2041</td><td data-sheets-value="{"1":3,"3":54}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">54</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":548106.83}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$548,106.83</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":16443.2}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$16,443.20</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2042}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2042</td><td data-sheets-value="{"1":3,"3":55}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">55</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":587512.17}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$587,512.17</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":17625.37}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$17,625.37</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2043}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2043</td><td data-sheets-value="{"1":3,"3":56}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">56</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":628887.78}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$628,887.78</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":18866.63}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$18,866.63</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2044}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2044</td><td data-sheets-value="{"1":3,"3":57}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">57</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":672332.17}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$672,332.17</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":20169.97}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$20,169.97</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2045}" style="border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2045</td><td data-sheets-value="{"1":3,"3":58}" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">58</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":717948.78}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$717,948.78</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":21538.46}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$21,538.46</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2046}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2046</td><td data-sheets-value="{"1":3,"3":59}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">59</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":765846.22}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$765,846.22</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":22975.39}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$22,975.39</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":3,"3":2047}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">2047</td><td data-sheets-value="{"1":3,"3":60}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">60</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":816138.53}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$816,138.53</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":12000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$12,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":24484.16}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; overflow: hidden; padding: 2px 3px; text-align: right; vertical-align: bottom;">$24,484.16</td></tr>
<tr style="height: 21px;"><td style="background-color: white; overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="background-color: white; border-bottom-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="background-color: white; border-bottom-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="background-color: white; border-bottom-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td style="background-color: white; border-bottom-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td></tr>
<tr style="height: 21px;"><td style="background-color: white; border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 2px 3px; vertical-align: bottom;"></td><td data-sheets-value="{"1":2,"2":"Total"}" style="background-color: white; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">Total</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":816138.53}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$816,138.53</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":360000}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$360,000.00</td><td data-sheets-numberformat="{"1":4,"2":"\"$\"#,##0.00","3":1}" data-sheets-value="{"1":3,"3":295416.29}" style="background-color: #b7e1cd; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); color: #515151; font-family: Arial; font-weight: bold; overflow: hidden; padding: 2px 3px; text-align: center; vertical-align: bottom;">$295,416.29</td></tr>
</tbody></table>
</div>
<div>
<br />
<b><u>Based on projections:</u></b></div>
<div>
- Assuming I manage to save only $1,000 per month,<br />
- With no salary growth whatsoever<br />
- Portfolio has to gain overall 6% per year<br />
- Dividends reinvested<br />
- Retiring for $2k/month (expected to reach by age 60)</div>
<div>
<br /></div>
<div>
<span style="color: blue;">Comment: I have decided to moderate the growth % to 5% as I'm not so confident that I am able to consistently grow it at 5%. I would still need more time to study how to be more profitable as compared to now. This year was a productive year at work and I received cash awards from my work. I have not planned them into my projections as they are likely to be non-repeatable.</span><br />
<br />
Wishing you a Merry Christmas and Happy New Year ahead! As the bull and bear wrestle over the next few months hope we hang on tight.<br />
<br />
Until Next Time,<br />
<span style="color: red; font-size: x-large;"><b>K.C.</b></span><br />
<div>
<br />
<i>If you like this post, you might <a href="https://www.facebook.com/30yroldinvestor/">like our facebook page</a> as well. I'm also on <a href="https://www.investingnote.com/users/kc_30#/?display=profile&user=kc_30&tab=latest">Investing Note</a>.</i><br />
<br />
<b style="font-size: x-large;">Related topics:</b><br />
<span style="font-size: large;">1. </span><a href="https://30yearoldinvestor.blogspot.com/p/about-me.html" style="font-size: x-large;">About K.C. What is my story?</a><br />
<span style="font-size: large;">2. </span><a href="https://30yearoldinvestor.blogspot.com/2018/02/my-3c-money-investing-philosophy.html" style="font-size: x-large;">My 3Cs to money/investing</a><br />
<span style="font-size: large;">3. </span><a href="https://30yearoldinvestor.blogspot.com/2018/07/if-you-spend-what-you-earn-you-need-to.html" style="font-size: x-large;">Why you need to set aside money for savings first</a></div>
</div>
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30YearOldInvestorhttp://www.blogger.com/profile/18442456587123026225noreply@blogger.com2tag:blogger.com,1999:blog-7295314650616694802.post-25350442562358551112018-11-23T23:17:00.000-08:002018-11-25T10:38:16.253-08:00Interview process cycle: How to increase your interview ratesJob Hunting. <br />
<br />
You are not alone if you have been searching for a job without much results to show for and you feel more depressed by each passing day. Repeat after me: This is just a passing phase in life, it will not last.<br />
<br />
<blockquote class="tr_bq">
<i><span style="font-size: large;">This is just a passing phase in life, it will not last.</span></i></blockquote>
<br />
You might have sent out a ton of resume applications but none come back to you except those pesky sales firms. It doesn't feel good, it makes one feel unwanted. As the days go by without a single reply, you start to wonder:<br />
<br />
"Am I that lousy?"<br />
<br />
"Nobody actually wants to hire me?"<br />
<br />
"I can't even get any interviews, much less jobs! Even those I think I am over-qualified for!"<br />
<br />
From there, your self-esteem and self-confidence goes through the floor and you find yourself unmotivated to move each day you wake up. What do you do? By actually understanding how the whole interviewing process works you will get a better chance at it.<br />
<br />
<b style="color: red; font-size: x-large;">Where does your resume go after you click "APPLY"?</b><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
</div>
<div class="separator" style="clear: both; text-align: center;">
</div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgHupPpiiXiEhuDEmUBR4hurYxsLRSsNJajVYMFoSUor1xUu9NjCv4aYsFG1Oa1H62pbIgf7RX2b_Y8kCxOYCAxVdGLbz-fHZ97oV4WBy3lPPQwR0GmoeQR_qev2GjTw6jZ7bH6G8FUi98/s1600/interview+process+cycle.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="792" data-original-width="624" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgHupPpiiXiEhuDEmUBR4hurYxsLRSsNJajVYMFoSUor1xUu9NjCv4aYsFG1Oa1H62pbIgf7RX2b_Y8kCxOYCAxVdGLbz-fHZ97oV4WBy3lPPQwR0GmoeQR_qev2GjTw6jZ7bH6G8FUi98/s640/interview+process+cycle.PNG" width="504" /></a></div>
<br />
The main issue here is that most resumes won't even get past stage 2. Why is that? Through my own experience and a few other friends' experience, we were able to increase our chances of securing an interview. In fact, in the year before I landed my current job, I secured a 5 interviews within half a year which translates to 71% success rate based on 7 resumes sent. How was this done?<br />
<br />
<b style="color: red; font-size: x-large;">Increase your chances of scoring an interview by doing this:</b><br />
<br />
<b><span style="font-size: large;">Stage 1, 2: The Application & Gatekeeper stage</span></b><br />
Common mistakes:<br />
<br />
<br />
<ul>
<li>We often put what we want to say about ourselves rather than ask the question: <br />"If I were an employer, what would I want to see in a candidate?"</li>
<li>We fail to recognise that modern applications are screened by softwares that are created to pick out <b><u><span style="color: red;">keywords</span></u></b> from our resume (We still go by what we want to say about ourselves)</li>
<li>We fail to see what are listed in the job description and did not create a "Match" with the software that screens our resume</li>
</ul>
<div>
<br /></div>
In the previous job that I was hired, I found out from my hiring boss that the numbers for my interview process were as follow:<br />
<br />
<br />
<ul>
<li>400+ Applicants (I believe it was 425 at least)</li>
<li>There were 20 applicants shortlisted for 2 separate rounds (40 candidates) ~ 10% rate!</li>
<li>Finally, 2 candidates hired in the end. - < 0.5% rate!</li>
</ul>
<div>
<br /></div>
As you can see, the chances of becoming the candidate hired was merely < 0.5%. However, by breaking the process down, we can see that it is much more easier to increase your chances of scoring an interview (thereby increasing your chances of getting hired). How do you become that 10%?<br />
<div>
<span style="color: red; font-size: large;"><b><br /></b></span></div>
<div>
<b><span style="color: red;">Do this to get past Stage 2:</span></b></div>
<div>
HR personnel usually don't have the time to screen through so many resumes for a single job offering. The "person" who does this is actually a software/machine that filters out the 10%. So how do you do this? </div>
<div>
<br />
You create a MATCH. What do I mean? First of all take a look at an example Job description for an assistant chemist posted on JobStreet (K.C. likes to use JobStreet):</div>
<div>
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEheTZgrrVabtXr_cgtD9ulArecIVE0gWH8hjLBunbxMcOaLuKSBZ2LXV8tMjQh3BiZ-8yx7EhyphenhyphenX83i8wfGVfkVRqW0gYiUWPv29Pj_7IOy_o1MX1VhT8kiMmI51kcg6Rv2rA3R9ZHIJbn4/s1600/Assistant+chemist+position.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="635" data-original-width="560" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEheTZgrrVabtXr_cgtD9ulArecIVE0gWH8hjLBunbxMcOaLuKSBZ2LXV8tMjQh3BiZ-8yx7EhyphenhyphenX83i8wfGVfkVRqW0gYiUWPv29Pj_7IOy_o1MX1VhT8kiMmI51kcg6Rv2rA3R9ZHIJbn4/s640/Assistant+chemist+position.PNG" width="564" /></a></div>
<div>
See this job description? Those highlighted in Red are what they are looking for. Instead of just coming up with a generic resume that tells other what you do, it would be better instead to tailor your resume such that it re-phrases those requirements into the resume you have. This is best done by putting them under your past experiences section such as your FYP, internships and previous jobs.<br />
<br />
The thing to note is that you do not have to necessarily hit all of the points. Assuming if I am a candidate with a chemistry background, most of these descriptions listed are already relevant skill sets that I have. However, presentation of our resumes are important such that we need to demonstrate explicitly in KEYWORDS that we have what they are looking for which the screening software filters out.<br />
<br />
By rephrasing the requirements into your resume as capabilities you score a much better chance with the software gatekeepers.<br />
<br />
Chances are if you can get past even stage 2, the HR personnel who reads your resume would also find that you have a good fit of capabilities because you have essentially answered the question of why they should interview/hire you by "demonstrating" that you have a good fit.<br />
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Point to note is however, do not abuse this method to over state/lie about what you know because you will be found out at the interview.<br />
<br />
<b><u><span style="color: red;">Pro-tip:</span></u></b><br />
- To get more job listings, play around with search words related to the field you are in. (e.g. Chemistry, lab, lab work, chemicals, -insert whatever relevant words you can think of-)</div>
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- Tailor your resume to reflect the key job requirements others are looking for, not what you want to say about yourself.</div>
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- Keep in mind that the screening software screens for Keywords from job descriptions which you want to incoporate into your resume.<br />
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-------------------------------------<br />
We will take a look at how to score well in an interview in a future post.<br />
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Meanwhile, keep sending out your tailored resumes. If you find it difficult due to your emotions or you are feeling depressed, remember that on average one has a 10% chance of scoring an interview.<br />
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Therefore, by working backwards, to secure 1 interview, you should send out at least 10 tailored resumes with relevant job descriptions. Then, break that down to sending 2 quality resumes a day which is more manageable. By one week, if you send out 2 daily from Monday to Friday, you will have achieved this objective. Then, it will just be a matter of time.<br />
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Ending this post with a story of 2 farmers:<br />
<br />
<i>Once, there was a devastating drought in the land. There were two farmers who prayed for rain but only one continued to work the land and sow the seeds. When the rain came, which farmer benefited?</i><br />
<i><br /></i>
Keep sending, it is only a numbers game.<br />
<i><br /></i>
Until Next Time,<br />
<span style="color: red; font-size: x-large;"><b>K.C.</b></span><br />
<div>
<br />
<i>If you like this post, you might <a href="https://www.facebook.com/30yroldinvestor/">like our facebook page</a> as well.</i><br />
<br />
<b style="font-size: x-large;">Related topics:</b><br />
<span style="font-size: large;">1. </span><a href="https://30yearoldinvestor.blogspot.com/p/about-me.html" style="font-size: x-large;">About K.C. What is my story?</a><br />
<span style="font-size: large;">2. </span><a href="https://30yearoldinvestor.blogspot.com/2018/02/my-3c-money-investing-philosophy.html" style="font-size: x-large;">My 3Cs to money/investing</a><br />
<span style="font-size: large;">3. </span><a href="https://30yearoldinvestor.blogspot.com/2018/07/if-you-spend-what-you-earn-you-need-to.html" style="font-size: x-large;">Why you need to set aside money for savings first</a></div>
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30YearOldInvestorhttp://www.blogger.com/profile/18442456587123026225noreply@blogger.com0tag:blogger.com,1999:blog-7295314650616694802.post-88725815160144875122018-10-31T06:51:00.002-07:002018-11-25T10:38:56.510-08:00SGX Bull challenge Final Result: Key takeawaysSo, the <a href="https://www.investingnote.com/simulation_campaigns/sgx-bull-charge-stock-challenge" style="background-color: #f0f0f0; box-sizing: border-box; color: #2a2a2a; font-family: Helvetica, Arial, sans-serif; font-size: 22px; font-weight: 700; text-decoration-line: none;">SGX Bull Charge Stock Challenge</a> has finally concluded and I am positioned 80th out of 146 participants. That leaves me in the 55th percentile region and I ended the challenge with a loss of $8,673 with an initial $50,000 capital. I cannot imagine how much losses the others behind me must be taking because I'm quite a conservative investor and for this particular challenge, I already have made more aggressive and risky moves. There are a few takeaway lessons for me from this challenge but first of all let us take a look at how I compared to the top crop.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGe3qZFUMHcN20973J5YwfeTNCFU1CsaPqBu5B49deMNg5ZjK_ccKqSeam0qowqmJaZixCrEcnh3ShgvdgrKnIeqrz6OXFdHwj7SLNVjD2CLWkSuRh5RGt-AeyM9rLEHUz4Wsudu3lLE8/s1600/SGX+final+1.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="879" data-original-width="1213" height="460" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGe3qZFUMHcN20973J5YwfeTNCFU1CsaPqBu5B49deMNg5ZjK_ccKqSeam0qowqmJaZixCrEcnh3ShgvdgrKnIeqrz6OXFdHwj7SLNVjD2CLWkSuRh5RGt-AeyM9rLEHUz4Wsudu3lLE8/s640/SGX+final+1.png" width="640" /></a></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgjaGEXnQ4RrWGKoXUy1UzjcvuxUBMiJMB3ndHRQ21UjbKssDTS7mXSY6B9nJYkdfM3Yk2U3srKYQkrLAIg1UXaFn0rIJfGbEXB5bc3M4tlEAadQkeBgF9GFdK1iDNpVYTZKTwuJfevq88/s1600/SGX+final+2.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="816" data-original-width="1203" height="434" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgjaGEXnQ4RrWGKoXUy1UzjcvuxUBMiJMB3ndHRQ21UjbKssDTS7mXSY6B9nJYkdfM3Yk2U3srKYQkrLAIg1UXaFn0rIJfGbEXB5bc3M4tlEAadQkeBgF9GFdK1iDNpVYTZKTwuJfevq88/s640/SGX+final+2.png" width="640" /></a></div>
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<span style="text-align: left;">It started relatively okay for me but October was a bad month for most investors (myself included). Still, the top 2 participants managed to register winnings of up to 30%+. That's almost $15k in profit from 3 months. An average of $5k a month. Pretty impressive stuff. (by the way, 3F's is Brian from the blog Forever Financial Freedom)</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRWUVp06vhYB1X-H4Tbx42i_2zqRoJuDJ63OTDsd9LEYg8M9wjni4BjQF3Z6Rn8FF9VNHFqMUAAZ_MyQmQ6Q6IlTjyMTo2dqkuEwDQr4XPta9-o_siu7LUmq6Y5BC9dMWb2pK0aRgwvOo/s1600/SGX+final+3.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="825" data-original-width="1028" height="512" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRWUVp06vhYB1X-H4Tbx42i_2zqRoJuDJ63OTDsd9LEYg8M9wjni4BjQF3Z6Rn8FF9VNHFqMUAAZ_MyQmQ6Q6IlTjyMTo2dqkuEwDQr4XPta9-o_siu7LUmq6Y5BC9dMWb2pK0aRgwvOo/s640/SGX+final+3.png" width="640" /></a></div>
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<span style="color: red; font-size: x-large;"><b><u>Key Lessons/Takeaway:</u></b></span><br />
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<span style="font-size: large;"><b>1. Less is more:</b></span><br />
<br />
I tried to trade too many positions that I thought would potentially do well. As it turns out, I incurred more costs from entering/exiting positions and that diluted some returns. Instead of trading every single potential opportunity, one may want to focus on what has a much more solid risk-reward ratio. Too many positions also make it difficult to keep track especially when you are at work and half-distracted from this challenge.<br />
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<span style="font-size: large;"><b>2. There are some who do well are also well-versed in structured warrant and DLC trading (Leverage is a double-edged sword):</b></span><br />
<br />
I am really not well-versed in these instruments and when I did try, it resulted in losses. Either way, this challenge really exposed a tool that is a double-edged sword that I could add to my arsenal of weapons. With leveraging, your winnings are multiplied but so are your losses. And these are meant for mostly intra-day trading. The main constraint that I encounter is not being able to physically sit in front of the computer to make the trades nor did I have the ability to predict the direction they would go.<br />
<br />
<span style="font-size: large;"><b>3. One needs discipline and emotional stability to follow through decisions and not chase positions/opportunities that are already gone:</b></span><br />
I followed the Big Boys (with some due diligence) for AEM early on and reaped a profit. However as time gone on, I became very undisciplined and tried to chase positions that were already lost. This meant picking up stocks at unattractive prices and also the margin of safety was not there. When I do my due diligence and decide a fair price to enter for a stock, I should follow through it to enter at that particular price decided. If that price is gone, I shouldn't buy at a higher price to chase it.<br />
<br />
<span style="font-size: large;"><b>4. Develop your own style and not blindly copying others:</b></span><br />
<br />
Since everyone's portfolio was available for all to see, the craving was on to see what others are doing and following suit. However, we have not done the homework ourselves and neither do we know what they person's rationale is. Their investing strategy/mentality may also differ from us. Ultimately, it is also difficult to figure out their exit positions and neither would we be buying stocks at the prices they did.<br />
<br />
<span style="font-size: large;"><b>5. Never be overconfident and stop learning:</b></span><br />
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<br /></div>
<div>
There is still much to learn in everything we do in life. There is a Chinese saying that goes: "满招损谦受益“ which means that if we are too over-confident or even arrogant, we bring disaster upon ourselves. On the contrary, if we remain humble we stand to benefit. This is no different here because nobody will be right 100% of the time. On Investing Note over the past 3 months, I certainly did make many mistakes but also made many new friends and gained new perspectives that I can learn from.<br />
<br />
Overall, this bull stock challenge has made me realise where my current gaps are in my investing journey. Luckily I was only doing paper trades. There is much more learning to be done. I'm thankful that through this challenge I have found more tools online that are pretty useful to me and made a few more friends on this investing journey.<br />
<div>
<br /></div>
<div>
Until Next Time,<br />
<span style="color: red; font-size: x-large;"><b>K.C.</b></span><br />
<div>
<br />
<i>If you like this post, you might <a href="https://www.facebook.com/30yroldinvestor/">like our facebook page</a> as well.</i><br />
<br />
<b style="font-size: x-large;">Related topics:</b><br />
<span style="font-size: large;">1. </span><a href="https://30yearoldinvestor.blogspot.com/p/about-me.html" style="font-size: x-large;">About K.C. What is my story?</a><br />
<span style="font-size: large;">2. </span><a href="https://30yearoldinvestor.blogspot.com/2018/02/my-3c-money-investing-philosophy.html" style="font-size: x-large;">My 3Cs to money/investing</a><br />
<span style="font-size: large;">3. </span><a href="https://30yearoldinvestor.blogspot.com/2018/07/if-you-spend-what-you-earn-you-need-to.html" style="font-size: x-large;">Why you need to set aside money for savings first</a><br />
<br /></div>
</div>
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