• frugal

    Thoughts on how the vaccines will affect the market

    So I am writing this on 16 November, the day that Moderna announced that their vaccine has a 94.5% effectiveness rate. At this point, I’m thinking that they are just trying to outdo Pfizer’s vaccine. Although it is part and parcel of competition, these are potential vaccines that will be injected into people, I hope people will not get too amazed by the small sample size. I trust that the vaccines works Although the vaccine reports such a high effectiveness rate, there are still many skeptics. For example, the data and test subjects are not peer-reviewed. They are just bold claims from the company. But I would like to give…

  • lifestyle,  strong

    Don’t try to put too much on your plate

    This article is from the fitness standpoint, but I believe it also applies to many aspects of life. Oftentimes, as humans, we are overly ambitious. We want this and that. We think we need those too. However, we quickly realise that all of these small little things add up very quickly. Before you know it, it is so mentally taxing and you can barely accomplish anything of good quality. For example, when we wake up everyday, we are subconsciously making decisions all the time. What to wear, what to do first thing in the morning, what to eat. So I always like to say, try to fixate a few things…

  • frugal

    What to make of Capitaland Mall Trust Q3 2020 earnings (C38U)

    After my previous analysis about Capitaland Mall Trust (C38U), a lot has changed and my perspective on investing has also changed. I have learnt a lot more and have more opinions to share. On 22 October, they released their Q3 2020 report. I will base my opinions off this report as well as a shopper in the West Region who frequents Lot One and Westgate. Highlights from Q3 2020 Financial Results Generally the third quarter of 2020 was seen as the ‘golden child’ for recovery in the US, however it applies pretty closely to Singapore as well. We have officially moved away from Circuit Breaker and transitioned from Phase 1,…

  • frugal

    Should we wait for a market pullback?

    Recently, the stock market has been pretty volatile. It is not uncommon to see the market open red and close green, vice versa. Why is that so? This is because many investors are facing conflicting information and are unsure how to move ahead. There has been talks for another stimulus package Apparently, the previous deadline was on Tuesday (20 October). However, the bureaucracies and the inefficiencies of the stimulus talks by the government has led to many delays. Yet, investors are still banking their hopes on this stimulus package. The fact of the matter is people are still suffering from the pandemic, the root cause has not been solved. No…

  • lifestyle

    To all NSFs/Uni Students, take advantage of this subsidy to upskill! (CITREP+)

    I am sure you have already heard of SkillsFuture. It is a nationwide initiative to help Singaporeans upskill. However, that is not the only upskilling programme that the Singapore government has to offer. Recently, I have finished a course using another initiative, and I found it useful because it alleviates the financial cost. This article will explore CITREP+, which focuses on developing ICT skill sets in Singaporeans and PRs. My experience in Hackwagon I am currently on another course which is also covered FULLY by CITREP+ because I am a NSF. Previously, I had already attended DS101: Introduction to Python Programming by Hackwagon. I really liked the instructor and the…

  • frugal

    Singlife nerfed, now GIGANTIQ?

    About 2 months back, I introduced Elastiq by Tiq to you. At that time, I mentioned that it was probably the next best choice after Singlife, the ever so popular insurance savings plan which offered 2.5%. Unfortunately, Singlife got nerfed to 2% recently. As a user of Singlife and a firm believer of what they offer, I was honestly sad to see them get nerfed. Where else could I park my money after the first $10,000 to earn a solid return? That was when I discovered GIGANTIQ. Comparison with Singlife? Naturally, I tried to compare Singlife and GIGANTIQ, after all, they are in the same product category, which is an…

  • frugal

    Endowus Fund Smart, what is it?

    Very recently, Endowus, currently the only roboadvisor that lets you invest your CPF, introduced a new platform called Fund Smart. Unlike Cash Smart, this tool aims to let you choose your own funds to customise your portfolio. It is basically like choosing their curated unit trusts and creating a portfolio that you want or just changing the allocation at a non-advised basis. But why? Isn’t the point of a roboadvisor to set it and forget it? That was my initial thought too. But I withheld from writing my thoughts and listened to some parts of their webinar on Friday. This is their rationale behind it. They especially “curate” the funds…

  • strong

    Realistic Strength Goals for your 1st year in the gym

    Just like any other goal in your life, they probably will be different for others. However, this article will attempt to layout “realistic” strength goals that are attainable after your 1-year journey in the gym. This assumes you are a typical male (average genetics). For my Singaporean audience, this would mean you would be around 170-175cm in height and 60-70kg in weight. This also assumes that you focus on training for strength. This means, week after week, you come into the gym and aim for a higher weight number on the barbell. To make things simple and more generic, we will only look at the 3 big lifts, bench press,…

  • frugal

    Why I withdrew from Stashaway

    Let me put a full disclaimer first. Stashaway is a good platform. I like it. I think it is suitable for most beginning investors who want fuss-free asset growth. I just do not think it is suitable for me, which is why I withdrew from Stashaway. In January this year, I came across the robo-advisor, Stashaway. It managed your assets for a low cost without you needing to know anything. With a promo code, I decided to give it a try for the first 6 months, since they managed your money for free for the first 6 months. At that time, I had very little knowledge of Stashaway. Since the…

  • frugal

    Why did the market drop and what should you buy NOW?

    On Thursday, 3 September, the S&P500 index dropped by 3.51%. This market “correction” continued until Friday, 11 September, resulting in a total drop of 6.70%. Many investors are puzzled with this drop. What made the market drop? Why did the market drop? Should we buy into the market now? Will the market drop even more in the future? What should we buy now? These are some questions in the heads of many investors. This article will seek to answer these questions and I give my personal take on this. What made the market drop?  This drop was mainly led by the fall in tech giants such as FAANG. Take note…