Friday, December 30, 2016

Financial Snapshot - 2016

This is a snapshot of my finances at end of 2016.

Naturally, I do not want to disclose too much details or my net worth, amount I have in banks etc. so I will just share the following:

Year endingStocksBondsCash for investmentNet cash input
2015 52451.71 20872 8335.63 0

Not included in the above are bank savings, insurance policies, CPF, SRS etc. The above are just the amount of stocks and cash in my 2 stock brokerage accounts, the stocks in my BCIP and SRS account, and the bonds I am holding at the moment.

Sunday, December 11, 2016

Portfolio Snapshot - Passive Income

Will be sharing my passive income (dividends, bond coupons, bank deposit interest, fixed deposit interest, MMF interest) around this time every year.

As shown above, my monthly passive income is $563.93. Once I increase this to my monthly expenditure amount, I can retire!

Monday, November 7, 2016 is a SCAM!

Completed a few surveys on and never got a single cent. Emailed them and their reply is published in full below. Writing this post to warn others of this scam!

Sunday, October 23, 2016

Financial Independence with Mad Fientist

A while back I came across this really cool post:

This post provides a spreadsheet to calculate how many years you need to work until you achieve financial independence (FI).

I took his spreadsheet, adapted it a bit to the Singapore context, and it shows me I need 4.12 more years till FI! This assumes an inflation-adjusted growth rate of 4% and a withdrawal rate of 3%.

One thing I'm not quite sure is that in the computation of the withdrawal rate, the spreadsheet assumes you can withdraw from your net worth. And your net worth calculation takes into account the price of your house - mortgage. Can we grow our housing at 4% p.a. in Singapore?

Sunday, October 16, 2016

Portfolio Snapshot - Breakeven Price

Here's another snapshot of my portfolio based on breakeven price:

The column 'price' indicates the current price of the stock.

The column 'breakeven_price' indicates the breakeven price of the stock with dividends and stocks from distribution reinvestment plan included. As long as the price of stock is above the breakeven price, I can sell the stock for a profit.

The column 'breakeven_price_status' indicates if the stock price is above the breakeven price.

This is done in Python and using Pandas Dataframes.

Saturday, October 15, 2016

Portfolio Snapshot - CAGR

Here's a snapshot of my current portfolio:

The column 'cagr' represents the compound annual growth rate of that stock.

The column 'cagr_inc_div_drp' shows the compound annual growth rate including dividends paid out and additional stocks obtained through distribution reinvestment plans.

The column 'cagr_benchmark' shows the compound annual growth rate of the benchmark. The benchmark is the SPDR STI ETF, stock code 'ES3'.

The last column 'cagr_benchmark_status' shows yes if we beat the benchmark. The more 'Yes' the better.

The columns 'cagr', 'cagr_inc_div_drp', and 'cagr_benchmark' are shown in percentages.

This was done using Python and Pandas Dataframes. Cool?

Wednesday, September 7, 2016


Today I finally breakeven after 6 years! After I started actively trading in 2010, I made a number of bad trades and my biggest cumulative loss was up to -5000! It was a learning experience for me, and I slowly modified my trading style until finally I was making winning trades. Today I finally recouped all my losses and it is worth a post!