• 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…

  • frugal

    Should you take the scrip dividend? (DBS)

    On Monday, I received a letter from DBS. (This is how it looks like.) It was to inform me of DBS’ latest scrip dividend scheme. Ever since DBS announced this, I got pretty excited. As a new investor, most of my “gains” were from capital gain (the price difference between the stocks you sold and bought) or dividends. Although I am pivoting my strategy towards a lower exposure to dividends, I was still curious what this scrip dividend scheme will provide for me. Naturally, I googled online. The first result was from the DBS website itself. So the Scrip Dividend Scheme (SDS) “provides shareholders with the option of receiving their…