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five years from now there will be a one time 1 0 pa step up in the interest rate i e to 4 0 pa b a bonus redemption premium not exceeding 0 5 of the principal amount of the bonds is payable upon redemption if the performance threshold is met on or before the scheduled call date 6 the bonds will be listed on the mainboard of sgx on 19th mar 2021 9am so you don t have to wait till maturity if you need to liquidate your holdings however you have to sell at whatever price it is transacting on at that point in time which depends on supply and demand the bond will mature 10 years from now in 2031 at par value if it is not redeemed at the scheduled call date 5 yrs later in 2026 7 the conditions to redeem back all the bonds on the scheduled call date is as follows a the cash set aside is sufficient to redeem all the bonds fully b there are no outstanding credit facility loans once all the conditions are met the bonds must be redeemed at the scheduled call date failing which there will be a step up in the interest of 1 0 pa as stated above in point 5a 8 min amount to apply is s 2k and thereafter in multiples of s 1k with an admin fee of 2 that is paid upon application you can apply through atm dbs posb ocbc uob or internet banking websites or mobile apps can t do it from ocbc mobile app closing date and time 16th mar 2021 12 00 noon 9 i m not the best at explaining the cash flow and priority of payments for the investments here s a nice pictogram taken from the prospectus that i cut and paste here for your perusal click to enlarge taken from the prospectus 10 the nitty gritty details can be found in the prospectus here my take 1 the last publicly listed bond from astrea is back in 2019 that s for the astrea v private equity class a 1 bond i wrote about astrea iv bonds here and eventually subscribed to it and it s doing pretty okay even during the mar flash crash where it plunged to the near par value of 1 it had recovered with the rest of the stocks in sgx 2 back then in 2018 the bond has an interest rate of 4 35 with the possibility of stepping up to 5 35 if not redeemed 5 yrs later in 2023 i know it s different times now but 3 seems to be a little hard to part with my money especially if there is a real risk of losing your capital is it enough to risk your capital for 3 pa you have to answer that yourself 3 this is not a fixed deposit and must not be treated as such yes it s a higher interest than a fixed deposit but the capital is definitely not guaranteed do not associate the safety of this bond with the name temasek holdings 4 i m 70 sure that i m not going to apply for this i thought of getting some for my parent s retirement portfolio but nah better not risk it especially for 3 i m still holding on to the astrea iv bonds though and will likely hold until they recalled it back in 2023 the 30 why i am thinking of buying this is to replace the astrea iv bonds that i m very sure will be recalled back in another 2 years time i e 2023 i m currently using this as another place to park my emergency cash i m just afraid when the time comes to tap on it the value might drop way below my principal like during the mar flash crash of 2020 5 based on a quick behind the envelope calculation the already publicly traded astrea iv 4 35 bond is traded at 1 056 at last close so it s giving a current yield of about 4 1 pa which is higher than the newly issued astrea vi bonds at 3 pa but don t forget that the astrea iv bond is now trading at 1 056 which is above par value so when it s redeemed back at par value of 1 00 you ll lose 0 056 too capturing all these details the yield to maturity of the astrea iv bond is at about 1 5 pa but we haven t included the bonus 0 5 of bond principal upon redemption at the scheduled call date included that bonus we have a yield to maturity of 1 76 pa still lower than 3 pa of the newly issued bond this means it s still better to apply for the astrea vi 3 0 bond at par value all of the above information could have errors i try not to do it but it might still happen please do your own due diligence and i do not take responsibility if you act on the above information in any way not say you win money you ll donate some to me right so if you lose money don t blame me update i made a mistake and mentioned that the last time astrea issued a bond was back in 2018 i was wrong it s supposed to be in 2019 for the astrea v bonds i ve already made adjustments to the post read more monday march 08 2021 my naive views on financial independence monday march 08 2021 self realisation 20 comments last time i was quite naive probably still am but hopefully less so lol i thought that after reaching financial freedom i can relax no need to work shake legs and spend my passive income and i ll be happy i calculated my expenses to be 2 5k per month that s before i have a lot more adult responsibilities like the current me which works out to be 30k per year assuming 5 returns per year i just need to get 600k capital and i m settled and that number just gets anchored in my mind for the longest time i am naive because 1 on paper having 600k 5 per year can settle my monthly expenses but it just makes my life easier i still have to work because there s no buffer i can t sleep well with 100 invested in the market as well in practice i need more than 600k probably 30 cash buffer will be very nice which means a total of 1 mil is a more realistic figure to aim at 2 2 5k is really just good enough for me at that point in time i m at a different life stage now with more commitments so 2 5k is just not enough i didn t account for future life plans back then or rather i didn t know what changes it will make to my expenses to account properly for it 3 5 returns per year this is based on average returns i am below average because i m not wizardry material i know now but i didn t know back then i thought i can be warren buffett but i am just 我人不肥 i know myself better now and have a more grounded expectation based on data rather than hopes 4 thinking i don t have to work after financial freedom is really naive on paper everything is fine but i did not have a more holistic view of financial freedom in the past it s all just about money but progressively i think financial freedom is more about philosophy ultimately it aims to resolve the question of what we are going to do with our lives here it is more about meaning instead of materialistic pursuits if we don t have a meaningful outlet to pour our life s best work in we ll never end up free regardless of whether materially we are financially free or not hence i adapted this fi financial independence koan on the outside nothing has changed after fi we still do the same things as before but on the inside everything has changed our mindset and attitude are not the same and we will approach the same task with more purpose and meaning don t expect life after fi to change drastically on the outside it s all happening on the inside where no man can see live long and prosper read more wednesday march 03 2021 sharing my emotional upheaval wednesday march 03 2021 5 comments whenever i m feeling moody or easily irritated i try to correct my own biochemistry first this means that i will settle all my physical bodily needs do i have enough food water rest and leisure time if i don t have any of these i will try to correct them first and see if i feel better most of the time i do usually i don t have enough sleep and i m always surprised by how much a good night s rest or even a short afternoon nap can do wonders for my emotional stability but if i did all these and i m still feeling miserable i think there are some deeper issues at work here there are a few types of issues but i m not an expert so i will rather not mislead i can only share the ones that i ve experienced before a long long time ago the stock market crashed and i lost a large percentage of my networth how did i lose it i keep averaging down as it goes down thinking that the fundamentals are still intact eventually i can t take the losses and cut them off at a huge loss that stock is longcheer is it still around i m not sure in hindsight i lost more than the money i lost confidence in myself and i was suitably depressed for about 3 4 months i think it was quite serious because others around me can feel my gloominess and i even entertained thoughts of suicide that s when i knew it was bad i eventually clawed my way out of it by working hard i realised that by working i can put the needs of my students ahead of mine and for that time being i can forget my own troubles but at night nighttime is the hardest period to go through if you re depressed there are fewer distractions and you just have to deal with your own troubled mind alone i guess i m lucky that i got out of it on my own i might sink so deep that i can inflict irreversible self harm that episode made me stronger and more empathetic regarding such inner turmoil it s quite useful in my line of work since students these days are so highly strung up that they might be just one trigger from crumbling catastrophically i heard that more and more young adults too are facing tremendous stress and are suffering emotionally i have recommendations to make for anyone who needs such help i have a good friend patrick who did a mid life career switch from it to counselling counselling is not exactly a field that one associate with making big bucks so you can be sure he switched because of his natural passion and affinity towards it nobody i know makes a career switch midlife because he wants to make more money as his primary reason though it could be a side effect patrick is now doing an internship working for his clinical hours he has started accepting clients for therapy and it is 100 free of charge and with no obligations and no hard sell to sign up for packages the sessions are conducted on google meet fully hipaa compliant and will last typically 60 to 90 mins per session if necessary face to face sessions can be arranged near ocbc center on saturdays what have you got to lose at worst you wasted your time only since there s no financial cost to this at best you find the right match for a person that can guide you out of your underlying issues for people who needs this i think it s a godsend patrick comes highly recommended by me since we ve been good friends for many years i might even consult him except that i can t because he adheres strictly to sac ethical guidelines so he can t do therapy for friends family due to dual relationship issues this is not a sponsored post by patrick he didn t ask me to do this and i have no financial gains for referring clients to him i just want to help him and believes that he can help others since i trust him enough to endorse him personally for his services you can reach him through email at patrick toh solace asia read more monday march 01 2021 i have a spate of good luck recently monday march 01 2021 self realisation 32 comments i had a spate of good luck recently in the past week or so firstly my car that was parked got bumped by another person let s say that the driver is a male for convenient s sake it s not a huge dent since cars that are parking are moving at a slow speed the good thing is that he put an ang bao on the windscreen with his contact details and is willing to pay for the cost that s cool i have had people bumping into my car and running away secondly my washing machine died on me i had used it for 10 years so i guess it got tired thankfully it died when the water is maybe about 10 filled if it s anything higher the washing machine will lock up the door with the water inside and that will be disastrous the good thing is also that there is only like 3 pieces of clothing inside so it s not that bad to remedy the whole laundry situation i always say that things that can be solved by money are a small problem i ve already ordered a new one and hopefully by the time this article is online my laundry problem would have been resolved thirdly i put an order to sell a counter after my gym session in the morning perhaps i was too tired so i didn t check properly i actually used a different platform to buy and to sell the counter so effectively i m doing a short sell thankfully after an afternoon nap i woke up suddenly and had a sinking feeling that something is not quite right i double checked and realised my mistake so i sent a quick buy order to neutralise the naked short sell i lost 23 as a result of this dumb error but the good thing is that i could have lost hundreds because of the penalty imposed by sgx for naked short selling i m also quite impressed by my sudden insight to check my sell order after my nap lol lastly an ex student of mine sent me an appreciation text i taught him 10 years ago just the week before i went by his address and thought about him so it s really great to have him contact me again to tell me that he is going to start work soon it s great to know that i did something right and changed someone s life for the better that really made my day and week just always try to look on the bright side of things live long and prosper read more thursday february 25 2021 how to save time thursday february 25 2021 parenthood productivity no comments to save time there are really just three ways the first way is to make our usage of time more productive hence we use less of it thus saving it if instead of accomplishing just 1 thing we aim to accomplish 2 or more things at the same time that s saving time the second way is to change our perception of how we utilise time to save it if we hate reading and doing any reading is perceived as a waste of time then changing our attitude towards reading will make our usage of time more productive not doing something you dislike is time saved nobody wants to save time when doing something that they like the third way is to spend other resources to save time usually that means spending money to save on time but not always i can use relationship points to save time too if i ve accumulated many points to strengthen my relationship with a friend i can ask my friend to help me to do something that saves me lots of time this post complements the previous one there are so many things to do and so many projects to accomplish that you might ask how can anyone do that here i will share how i handle some of these tasks it s easier to give examples 1 laundry folding nobody i know likes doing laundry and folding clothes you either outsource this to a domestic helper or you do it yourself i like to do chores in front of my kid doing so will accomplish two tasks firstly i can teach my kid to do chores and not to take such things for granted i believe in teaching young children without explicit instructions through modelling and setting good examples there s no formal instructions or a powerpoint presentation on folding clothes he sees me doing it if he shows a little more interest i ll guide him and let him hel...
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