After the Budget 2024 announcement recently, the local 'Pro-CPF 1M65' community immediately went into meltdown mode. CPF-rich members were bemoaning the removal of the CPF SA shielding hack. Here is my personal quick take on this issue. Perhaps some lessons to be learnt.  Unlike other bloggers or influencers out there, I never ever talk about CPF shielding because it is a loophole in the system. Its removal is very much expected. It is called a ‘loophole’. Loopholes are meant to be closed eventually. When shielding was heavily promoted in the mainstream media in recent years, I knew ..read more

Equity Portfolio Cost: S$596, 851 Equity Portfolio Market Value: S$767, 106 Equity Portfolio Unrealised Profit: +S$170, 255 (+28.5%) Portfolio XIRR (FY2023): +11.3% (inclusive of dividends) Dividends Collected (FY2023): S$40, 139 (+15.6% yoy) Total Cumulative Dividends (2010 - 2023): S$281, 645 Current Cash & Cash Equivalents (SSB/T-bills): S$37, 000 (*All figures are accurate as of 29 September 2023) Portfolio Actions in Q4 2023: Accumulated more Sheng Siong at S$1.54 and S$1.56 Accumulated more DBS at S$31.80 and S$32.60 ..read more

  Equity Portfolio Cost: S$559, 160 Equity Portfolio Market Value: S$704, 902 Equity Portfolio Unrealised Profit: +S$145, 742 (+26.1%) Portfolio XIRR (9M 2023): -7.6% (inclusive of dividends) Dividends Collected (9M 2023): S$33, 201 (+18.7% yoy) Total Cumulative Dividends (2010 - 9M 2023): S$274, 707 Current Cash & Cash Equivalents (SSB/T-bills): S$43, 000 (*All figures are accurate as of 30 September 2023) Portfolio Actions in Q3 2023: Initiated a position on Sheng Siong at S$1.50 Accumulated more UOB at S$27.95 How I Prepare ..read more

(Total cumulative dividends: S$263, 709) Portfolio Cost: S$556, 740 Portfolio Market Value: S$713, 536 Portfolio Overall Unrealized Profit: +S$156, 796 (+28.16%) Portfolio XIRR (1H 2023): -3.7% (inclusive of dividends) Dividends Collected (1H 2023): S$22, 203 (+35.1% yoy) Total Cumulative Dividends (2010 - 1H 2023): S$263, 709 Current Cash Warchest: S$21, 470 (*All figures are accurate as of 30 June 2023) Portfolio Actions in Q2 2023: Full divestment of Nvidia at +37.8 gain Full divestment of Microsoft at +27.1% gain Full divestmen ..read more

(Total cumulative dividends: S$249, 321) Portfolio Cost: S$589, 075 Portfolio Market Value: S$740, 355 Portfolio Overall Unrealized Profit: +S$151, 280 (+25.68%) Portfolio XIRR (Q1 2023): +12.14% (inclusive of dividends) Dividends Collected (Q1 2023): S$7, 814 Total Cumulative Dividends (2010 - Q1 2023): S$249, 321 Current Cash Warchest: S$36, 723 (*All figures are accurate as of 31 Mar 2023) Portfolio Actions in Q1 2023: Accumulated OCBC at S$12.30 Accumulated UOB at S$28.90 Accumulated Mapletree Industrial Trust at S$2.33 Long-Term Compo ..read more

Build A Foundation and Compound It The average Joe on the street has been affected by escalating inflation since early 2022.  Even those people who have supposedly achieved FIRE are starting to struggle with expenses because their passive income could not keep up with inflation. We are facing a cost of living crisis across the world. It is during periods like this that I am glad I have built a substantial dividend portfolio. The growing cash flow from my portfolio enables me to improve my quality of life, gradually. 13 years ago when I started my investing journey, my strategy was scoff ..read more

  (Total cumulative dividends: S$241, 507) Top 12 Core Holdings (30 Dec 2022) Portfolio Cost: S$547, 093 Portfolio Market Value: S$679, 301 Portfolio Overall Unrealized Profit: +S$132, 208 (+24.17%) Portfolio XIRR (FY2022): -13.06% (inclusive of dividends) Dividends Collected (FY2022): S$34, 712 + US$61 Total Cumulative Dividends (2010-2022): S$241, 507 Current Cash Warchest: S$17, 000 (*All figures are accurate as of 30 Dec 2022) Portfolio Actions in Q3 2022: - Accumulated more Baba (9988) at HK$83 - Accumulated more Apple at US$130 ..read more

(Total cumulative dividends = S$234, 741) Portfolio Cost: S$552, 454 Portfolio Market Value: S$675, 927 Portfolio Overall Unrealized Profit: +S$123, 473 (+22.3%) Portfolio XIRR (9M2022): -17.1% Portfolio Year-to-date Returns: -11.46% Dividends Collected (Q3 2022): S$11, 532 Total Cumulative Dividends (2010-2022): S$234, 741 Current Cash Warchest: S$11, 000 (*All figures are accurate as of 30 Sep 2022)  Portfolio Actions in Q3 2022: - Accumulated more Frasers Centrepoint Trust at S$2.18 - Accumulated more CapitaLand China Trust at S ..read more

  (Total cumulative dividends = S$223, 208) Top 12 Core Holdings (30 Jun 2022) Portfolio Cost: S$552, 309 Portfolio Market Value: S$717, 725 Portfolio Overall Unrealized Profit: +S$165, 416 (+29.9%) Portfolio XIRR (Q1 2022): -11.43% Portfolio Year-to-date Returns: -5.9% Dividends Collected (Q2 2022): S$10, 980 Total Cumulative Dividends (2010-2022): S$223, 208 Current Cash Warchest: S$33, 700 (*All figures are accurate as of 30 Jun 2022) Portfolio Actions in Q2 2022: - Accumulated more Ascendas REIT at S$2.73 - Accumulated more CapitaLand ..read more

  (Total cumulative dividends = S$223, 208) Achieved  S$16, 430 in 1H 2022 passive income, representing a 10.4% rise compared to 1H 2021. As the world frets about another impending recession, I just look forward to a new CD season. Every dividend payment day is a happy day! Most people might treat dividend growth investing simply as another style of investing. But to me, it is much more than that. It has always been a pursuit that centered me, calmed me. Especially during these turbulent times when the markets seem to be crumbling. Dividend investing is discipline. Div ..read more