About

I'm a self taught investor in constant pursuit of financial freedom.

Ever since entering the workforce at the age of 18; like any other young adult; I was eager to pamper myself with that hard-earned monthly salary. It was only in my mid 20's that transformed my approach in managing my finances.

As I ventured on this journey of trial and exploration in maximizing returns of capital employed; in other words: "making my money work like crazy", I was able to derive a sustainable model in cash-flow generation with risk managed for capital preservation.

I hope that this blog is able to help others who have trouble managing their finances which makes them feel caught up in a never-ending rat-race.

Get in touch with me today to learn more.

Gambling

This one is a classic!

Ask any uncle or auntie and they will tell you that it is a small investment to a big dream.

Been there, done that. Odds of actually becoming financially free: 0.0001%

Chances are that you will be better off not starting unless you have all the luck in the world to spare.

Real Estate

High capital required if you have intent to invest as an individual. It gets tougher with the new property cooling measures in place of 17% ABSD for the second property with adjusted TDSR.

There are other ways to go about these rules, it is however accompanied with certain risks.

Equities

Not businessman or businesswoman material? No problem, buy some shares to own a part of a business.

The interesting part is, which business do you want to have a share in? It takes more than just homework.

Important-things-about-Unit-Linked-Insurance-Plans-ULIPs (1)_edited.jpg

Forex

Currency markets possess volatility. Without proper guidance and risk management, you may lose your capital.

Leverage can increase your returns as well as the underlying risk.

Cash and Cash Equivalents

Comes in many forms ranging from cash savings, fixed or structured deposits to endowment plans.

Returns are not appealing and rarely beats inflation.

Commodities

Commodities are typically employed in a portfolio as a hedge against inflation.

It requires understanding of the inverse correlation to traditional asset classes such as stocks and bonds.

stack-different-singapore-dollar-banknotes-closeup-164961516.jpg

ILPs or ULIPs

Different name, same smell. Unit Linked Insurance Plans (ULIP) or Investment Linked Policies (ILP).

I would very much prefer my investments and insurance to be separate. Conflict of interest may arise which may compromise on the desired investment or protection objective.