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acrificed her body health to give me two baby turtles a few hundred thousands are incomparable to her sacrifice my upgrade in living space is one of the best decision i had made i did not realized that having an extra 210 sqft and floor level of my current hdb could make me more happy and relax when i look out of my window i decided to buy the highest floor level this time already in my late 30s my life philosophy still remained the same as before live within our means keep things simple so i get more options in life and will not fall into a debt trap and become a job slave fyi old turtle will be writing 2 more posts on his investment returns and passive income in 2021 and what are his cpf strategy to secure one more stream of income at retirement happy new year wishing everyone a healthy and safe 2022 ahead posted by turtle_investor at 2 26 pm 2 comments email this blogthis share to x share to facebook share to pinterest labels portfolio review sunday february 7 2021 net worth and financial updates almost 1 year since march 2020 what a change of mood and retail sentiment in the stock market between mar 2020 and now feb 2021 oh yea remember singapore is still in one of its worst recession historically and the world in still fighting the pandemic what did old turtle did since mar 2020 when market tanked to the lowest and my stock portfolio lost around sgd 180k unrealized or around 36 40 as i am almost 95 vested in the market well i did nothing much but just by staying calm don t read too much financial news and chats in investingnote lol and executing my plans accordingly while i am luckily i really have to count my lucky stars holding on to my full time job unaffected by the recession unlike many of my countrymen in the tourism and aviation sector major actions 1 local stock market with limited cash i recycled one of the stock that had performed very well during the pandemic i sold 30 of sheng siong in apr may 2020 and reinvested into some of the more affected stocks like hongkong land straits trading company sph reits and keppel corp in sgx 2 cpf i continued to transfer my oa to sa during the same period since i am still fully employed with no reduction in income once again lucky 3 overseas stocks started to diversify away from sgx and start investing in us hongkong and australia stock markets mostly in healthcare and technology stocks current stock portfolio personal networth my personal definition of total networth total cash asset can be disposed and converted to cash within 3 months total illiquid assets like property and pension savings ie cpf in singapore context below are the major contributors to my total cash networth and just like more singaporean stock portfolio market to market residential property valuation valued the property at cost price which is around 60 higher than my cost price at current resale market price reason being i do not want to artificially inflate my networth as there s no chance of me selling my residential property and realized the property gains in any case i have already paid up the hdb cpf included ordinary account oa special account sa and medisave account ma in the calculation debt liabilities zero financial goals set and accomplished before age 40 met cpf sa full retirement sum 181 000 in sep 2020 t otal net worth exceeded sgd 1 million fully paid up residential home zero debt future goals continue to build the retirement pillars cpf life stock dividends and bond interest make them stronger make them last longer spend more time with family and elderly parents continue to upgrade myself after completing the mba in 2021 food for thoughts having financial goals and execute them with discipline is important always be financially prudent whether you are making 10k or 5k of salary per month for example ignore noise an be focused on the goals you set for yourself spend quality time with your love ones parents wife and children and never say you have no time because no time is an excuse if possible go debt less so you have more options in life and yes financial independence always be prepared and ready to pond on any opportunities every crisis is an opportunity and do not waste a crisis have a plan execute it plan for the worst pray for the best posted by turtle_investor at 2 34 pm 4 comments email this blogthis share to x share to facebook share to pinterest friday august 21 2020 family and personal updates from cb to phase 2 this year flew by quickly thanks to covid 19 and it is already august and a few more months before we welcome 2021 just wanted to write an update of my personal life to record down what had happened during this unprecedented period in our singapore s history employment i have been wfh working from home since march together with my wife fortunately both our job nature allowed us to wfh with full support from our employers without any pay cuts we have not been financially affected by covid 19 well not yet as we are working in the financial industry and if this was gfc great financial crisis repeat of 2007 2008 we would definitely be significantly affected i always say luck plays an important role in all parts of our life including our career we will continue to count our blessing my wife just got her bi annual bonus well pretty insignificant amount but better than nothing i am waiting for mine at end of the year but apparently everyone around me is saying i shouldn t be expecting anything i am happy to keep my current job without any pay cuts so bonus will be a bonus if it comes family it has been pretty significant year for my children and i am honestly very happy to be able to chase back some lost time with them for the past 6 months since working from home i really cherished this period of time and we also managed to achieve something together 6yo it will be the last pre school year for my elder one we had successfully registered under phase 2c him for primary one in 2021 thank god no balloting is required it s just a neighborhood school ok after much practice to cycle without his training wheel s he has finally achieved his balance and can cycle independently i admire his determination to achieve the goal he set finally giving up his milk bottle after much persuasion from me lol since i had the luxury to spend more quality time with him everyday art craft i realized he has got a little talent for drawing and making art and craft and pretty creative after watching what he created using toilet roles and using cutting up all my printing papers to make his artworks i hope his art lessons at the residents committee rc center can resume soon so he can continue to learn from his art teacher taekwondo due to the closure of the rc his tkd lessons had stopped since march so instead of waiting i had switched him to private lessons 9x more expensive per lesson from 4 from 36 but the class size is also smaller from 30 40 students to 10 students per class so he is able to learn more with a smaller class size well you pay for what you get no regrets as i can see his improvements in just 2 lessons and most importantly he enjoyed the new class more than the previous one as more attention was given to him 4yo the youngest in our family will be heading to k1 next year but without her brother this time round for her class promotion she is no longer a baby but always is in our heart but a 1m tall preschooler and apparently she grew taller and heavier during circuit breaker cb she also gave up her milk bottle together with her elder bro i am pretty proud of her as i did not expect her to give up just like that as she is only 3 years old at that point of time i made the two of them throw away their milk bottles personally into the dustbin very cruel i know so they will know this time is for real and no turning back so far so good we managed to save quite alot of milk bottles and teats she is no longer on diapers during daytime except for taking nap and night time more savings in diaper expenses again this is quite an achievement as she did wet herself once or twice a week during school days since the school restarts in jun post cb next step is to try to wean her off diapers totally i guessed this will take longer time and we don t want to stress her too much bought a balancing bike for her to try and i have to say she s not as interested in cycling and scooting like his elder brother she prefer singing and dancing instead well that s why people always says every kid is different now i believed it she has been attending her weekly dance class at home via zoom and although she is adapting well the feeling is so much different from dancing in a group in a proper dance studio she is finally heading back to the studio at the end of aug super looking forward i think she will enjoy herself more in a class setting family expenditure overall family expenditure had gone down but not by a lot like everyone thought so we managed to save on commuting expenses like our car petrol erp and office carpark as well as those daily food court lunches which average 5 7 a meal minimum but spending more time at home also means more snacking and this became part of our grocery list when we make our weekly visit to sheng siong supermarket we also drank more beer and wine as we are pretty bored at home at night as we try to stay away from the crowd outside to prevent any potential virus infections we have been cutting down alcohol since start of aug casual drinking is totally fine but not daily having daily home cook food by the helper was great even if its just very simple dishes i enjoyed it a lot more than what i had in restaurants i also learnt how to make traditional singapore coffee using coffee powder grind from beans and kopi socks it is definitely much cheaper than what we bought outside and fresher as well as me and my wife have coffee every morning as part of our breakfast personal masters of business administration mba i am half way to the completion of my mba likely to be by mar apr 2021 all physical exams has been moved to online this is something i am adapting to open book is always relatively difficult than close book exam but unfortunately i too have to adapt grinding on and hopefully i will clear all my modules when my son start his primary one in 2021 so i can refocus back to my family commitment my weight fortunately did not balloon like some of my friends it was fluctuating between 1 2kg during covid 19 so i think having more home cook food is definitely healthier although i did not exercise at all wealth personal total networth is definitely affected by the stock market onslaught due to covid 19 mine wasn t spared as well as i am always vested with at least 90 of my cash asset still down by 12 ytd as i am writing this post still adding more stocks every month to catch the eventually and long awaited recovery i am not too worry as volatility is always part of investing journey and i am focusing on stocks that will ride the global recovery like alibaba apple etc retirement planning cpf executed per plan transferred oa balance to sa since oct 2019 and will reach full retirement sum in sa 181k in sep very excited as this is a major goal i set 4 years back and finally this goal is completed that s all i have for some personal and family updates from cb till phase 2 stay safe everyone have a plan execute it posted by turtle_investor at 11 08 pm 1 comment email this blogthis share to x share to facebook share to pinterest labels reflection friday july 17 2020 is old turtle a loser in singapore education system psle score 182 no problem don t worry you are not going to witness a turnaround story of a stupid turtle that went on and became a phd medical doctor or lawyer there has been much talks discussion and debates on psle scores and how it shape and pre determine your future much had been said around psle examination over the years and old turtle was one of the product or victim from the past and existing singapore educational system https www businessinsider sg one by one singaporean celebrities are revealing their psle scores in support of the lifebeyondgrades movement education profile primary school plse 182 6 years secondary school normal academic 5 years polytechnic diploma 3 years national service 2 years bsc degree 4 years part time studies mba 18 months part time studies i remembered when my mum saw my psle result she said everyone in our family was studying 4 years and you were the first one studying 5 years i kept silent but in my heart i knew she was disappointed my result and more importantly worried about his only child s future in this competitive singapore economy i kept going in secondary school and as usual i am not very smart in taking examination and i am extremely bad at english and maths and as you know both subjects are key in our singapore educational system i am good at subjects like chinese history and geography but unfortunately they were deemed less important in our educational system parents please don t compare your children with other children as every kid will excel in their own ways it will just make your children feel demoralized and caused a lasting impact in their childhood give more encouragement and less comparison key milestones parents lost their business when i was in polytechnic and rely on savings to survive and they were only early 50s i am quite lucky my mum was a saver back then else our family would be in trouble went to ocs in national service and managed to save 80 90 of allowances not a lot back in those days but were significant to me managed to save around 10 15k started working at age 23 years old starting salary not even enough to apply for credit card and started contributing to the family s expenses concurrently took up part time degree at sim after work for 4 years and paid off the school fees annually using savings from ns and salary lost my first 5 digit figures in investment in one stock post gfc 2008 lesson learnt and life goes on cash savings and investments hits 200k 250k at age 30 as i had a high savings rate of 80 90 in the first 7 years of the job and together with some luck in investments mainly in singapore blue chips that generates 4 5 annual dividends age 30 got married and savings rate falls to 20 30 as kids came along together with other household expenses age 31 33 had our first and second kid age 35 cash savings and investments hits 520k and cpf hits 136k passive income hit average of 1 3k per month age 35 4 room bto hdb cost 260k fully paid off in 5 years no more debt from now on age 35 dad passed away made me even cherished my family even more even if i have to give up career advancement to spend more time with them values moral values are more important than your exam grades in life like stock investing true value may not be always be the same as price aka your exam grades my purpose of sharing my personal story is to inspire students that did not do well in their studies not to give up in themselves in any ways ...