• strong

    The Magic of Compound Lifts

    What is a compound lift? As opposed to an isolation lift, a compound exercise involves motion at multiple joints, requiring work from multiple muscle groups. They are often preferred over isolation exercises. This article will seek to explain why every gym-goer who can do them safely, should include compound lifts as your main and first few exercises. Along with progressive overload, you are bound to gain strength and get swole. The Big 3 There are 3 big lifts known in the powerlifting world. They are called the bench press, squat and deadlift. Bench Press The bench press is a compound lift whereby you lie onto a bench and push a…

  • frugal

    Why you should (or should not) diversify?

    Many great investors have commonly repeated this common saying. “Diversification is the only free lunch (in the world)”. Despite many investors preaching this truism and many of them practicing it by buying index ETFs or owning 30 to 40 stock portfolios, there is still a case against diversification. Warren Buffett, otherwise known as the Oracle of Omaha, has famously mentioned that “diversification is a protection against ignorance”. Wait, that is contradictory. This article will seek to explain the cases for and against diversification. Lastly, I will end off with how I practice diversification in my own portfolio. Pros Don’t put all your eggs in one basket This is a common…

  • frugal

    My thoughts on Roboadvisors (Final Part – Syfe)

    Syfe Management Syfe also boasts a very respectable team. Their CEO was a director at UBS Hong Kong and led UBS’s ETF efforts in the region. More importantly, Syfe offers various products for investors, each targeted at different investors with different intentions. Their flagship product, Global ARI uses risk management to mitigate volatility in your portfolio. Then, they also have a REIT+ portfolio which invests in an index by the SGX, known as iEdge S-REIT 20 index, which seeks to invest in the top 20 REITs listed in the SGX. Most recently, they have also launched a portfolio known as Equity100, which is designed for investors who want maximum exposure…

  • frugal

    Netflix Shares fall | Singapore’s economy is in ‘dire’ conditions

    Welcome to the first edition of News’ Flash. This will be an ongoing series, however it will not have a consistent schedule. Rather, I prefer to take the more noteworthy news that occurs over the recent days. This will basically give you a quick headline summary of the 3 top news and my quick thoughts on them. One of the greatest growth stocks of this year, Netflix, suffered more than a 10% drop in share price after they announced they missed analyst expectations for earnings per share (EPS). My thoughts: Most people who read the article would be wondering why Netflix suffered such a significant drop in its share price…

  • frugal

    My thoughts on Roboadvisors (Part 2 – Endowus)

    Endowus Management Over at the Endowus team, they are also backed by formidable people with great experience. Their CIO is the former CEO and CIO of Morgan Stanley Investment Management Asia. Their COO was Grab’s technology and payment lead. There are many other capable leaders there as well that I will not mention. However, their Personal Finance Lead, Sheng Shi, has really brought the company and the people together. He has become sort of the glue between the firm and the investment community. Being an avid member of the Seedly community as well as watching the Endowus webinars made me realise that Sheng Shi does a really great job being…

  • frugal

    My thoughts on Roboadvisors (Part 1 – Stashaway)

    With the rise of the fintech scene in Singapore, there is an increasing interest in putting your money in roboadvisors, so that they can manage your money for you. Although I believe it is a very wrong statement to believe in (because no one cares more about your money than you), it is still a fuss-free and easy way to park your money for some form of growth. I will be launching a three-part series about my thoughts on three roboadvisors in Singapore, Stashaway, Syfe and Endowus. At the end, I will conclude with some of my suggestions. The series will be released every other day. Stashaway Management Surprisingly, Stashaway’s…

  • frugal

    The one book that all beginner investors should read

    Ever since learning about managing personal finances and investing, I have also been reading a lot. I used to not read at all. Since my primary school days, I have not touched a book willingly, without it being a requirement to read it in school. I just don’t really like reading in general. It can be boring, it puts me to sleep, and I just feel like I have better things to do other than read. However, I realised that nothing really sums up information more completely than a good book. I started off with Rich By Retirement: How Singaporeans Can Invest Smart and Retire Wealthy. I felt that it…

  • frugal

    I am selling the Straits Times Index and here is why

    Oftentimes, beginners should start with passive index investing. I strongly agree with that. One of the most popular methods would be the Bogleheads’ three-fund portfolio. It indicates that an investor should purchase one bond fund, one international equity fund and one local equity fund. In the Singapore context, some use our CPF as our “bond fund” and the S&P 500 Index as the international fund. Logically, the local equity fund would be the Straits Times Index (STI). It has ticker symbols ES3 or G3B. Although there are merits to the Straits Times Index, I personally feel that it is not the best index a Singaporean investor can dip his money…