Lady, You Can Be Free

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• Congrats & great to see your update! Very impressive! 👏👏👏👍👍👍

• Thanks Lynn, hope all is well with you !

• Hi Lady,

  Good to see you're well and updating your blog. It's starting to grow moss already :)

  Are you going to take some profits for your US Tech stocks in light of the fed tapering move and ATH valuations?

  How much funds do you usually keep in your warchest to take advantage of bargain hunting?

• Hi Robin,
  Yes, will definitely be trimming away some weeds. I don't really have a disciplined % in terms of warchest.

• Just curious, are you still working? If I am you, I will retire already

• Hi John,
  How to make your retirement life as meaningful as possible is even more challenging than making the ends meet sometimes.

• Agree!
  Although I really looking for days that I can read peacefully and enjoy the life

• Hi John,
  Hope you find your peace and zen soon.

• Which counters will you be trimming?

• HI Xx,
  Not sure. Still thinking.

• Very impressive investing performance!

  Well done!

• Hi CreateWealth8888,
  Thanks! Long time no talk. Hope all is well?

• Wow! Congratulations! Glad all is well with you, and thanks so much too for updating. You are truly an incredible inspiration to me, thanks again for sharing your on-going journey!

• Hi J,
  Thanks! Let's look forward to a covid free and Huat Huat 2022!

• Hi any strategy to learn from you, in my portfolio i also have most of the stocks u own but don't have the same result , most all in red except TESLA
  Please advise thanks!

• Hi S,
  Well, having convictions of why you bought certain stocks and be able to hold it through when it's in the red is what will make you the winner eventually. When you buy a stock, ask yourself, did u buy it coz someone told you to buy it or did you read up about the company and is fully convinced that the company is worth buying and holding on to. Next, when the stock took a downturn, ask yourself, did the story change? Are you still convinced that the company is still going to make it down the road? If yes, then you have nothing to worry about. Else, run and bite the bullet. Hope this helps.

• Hi thanks for the reply. Very grateful that you actually replied. Actually, now that I am in my 50s, I’m wondering is it too late to follow your investment strategy. Any advice on how to grow up my capital through the stock market or any other ways while taking a more conservative approach.

• Hi S,
  Here are my suggestion
  1. Ensure that you and your wife has maxed out the CPF SA account so that you get a guaranteed stream of income for both you and your wife as a baseline for retirement.
  2. Understand how much you are spending for monthly expenses today and where are the fats. Can you cut out the fats?
  3. Start working with your wife to define the kind of lifestyle both of you want for retirement and how much that translates into.
  4. Understand your risk profile. Are you the kind who can sleep well when your portfolio drops 20-50%? That would determine the kind of investment you should venture into.
  Hope this helps.

• Hi, it’s good to see you update your blog. Your blog is our inspiration for me and my partner to invest for our future.

• Hi Dominion,
  Thanks for the kind comment. Wish you n your partner success in your investment journey.

• impressive! did u get the passive via the dividends or capital gains?

• Hi T,
  Thanks! Dividends.

• Hi there,

  Congrats on your achievements!
  I am always inspired by your posts. Hopefully we don't have to wait another year to see another post of yours. What have you been up to?

  Regards,
  Gerald
  https://sgwealthbuilder.com

• Hi
  I find your blog inspiring. I am still learning..... I am trying to work out a money management strategy to buy consistently.
  1. How do you decide much funds to allocate between the US markets for capital gains and the Singapore market for dividends?
  2. Do you dollar-cost average into the markets monthly or buy stock per quarterly?
  Regards

• Hi JK,
  1. I don't have a formula. If you look at my investment history (my blog is designed based on a timeline). I used to be heavily concentrated in Singapore stocks and dividends, however, I started switching to US and China after noticing that the Singapore blue chips are lagging in their transformation in view of competition. Now I hold two main portfolio - one for growth (US, China), one for dividends (Singapore)
  2. Nope. I don't do dollar cost averaging.
  Hope this helps.