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How I Am Planning For An Early Retirement In Singapore (Guest Post)

How I Am Planning For An Early Retirement In Singapore (Guest Post)

Most people aspire to achieve financial stability to enjoy their retirement with peace of mind. My dream is no different from others. Since I entered the workforce, I have been working towards achieving financial independence before the age of 35 and having an early retirement. The journey which I took has pushed me out of my comfort zones at times, and it’s tough.

Thankfully, my wife has been supportive of my decisions and goal.

Happy woman on the sunset in nature in summer with open hands

This post was originally posted here. The writer, Brian Halim is a veteran community member and blogger on InvestingNote, with username known as 3Fs and 1700+ followers.

When we had our first child in 2014, my wife had to quit her job to care for our son and deal with the household chores. This decision had a direct impact on our savings and lifestyle. It was not easy to manage the additional expenses with a single income.

We began to tweak our strategies. Unnecessary spending was reduced. We also started to save aggressively and managed to save about 40% of the income over time.

But savings alone will not be enough to achieve our goal.

The various investments I had made were relooked at to find ways to grow our income. For it to be sustainable, we need our income to grow at a rate of 8% per annum. I looked at the various options that were available and performed allocations based on prevailing market conditions.

These are some of the investment tools which I currently have on top of my current equity portfolio:

SPDR Straits Times Index ETF

The SPDR STI ETF was introduced in 2002 and is managed by State Street Global Advisors, while the Nikko AM STI ETF was introduced later in 2009 and is managed by Nikko Asset Management.

The main benefit of investing in the STI ETF is that the investor gets to gain exposure to the 30 blue chip constituents of the benchmark index through a single purchase at a very low cost.

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Finding Investment Ideas That Suit You (Guest Post)

Finding Investment Ideas That Suit You (Guest Post)

This article, Finding Investment Ideas that Suit You was originally posted here. The writer is a veteran community member on InvestingNote, with username known as GrandpaLemon.


Back when I was a teenager, I remember waking up every morning and zoom into the back of the Straits Times Finance section, trying to see if there is any news I can capitalize on. Internet access was still not prevalent. Newspapers and magazines such as ShareInv become your financial advisors. Teletext and “expert” friends become your source of tips. I grew up with Sharejunction, Valuebuddies, and Hardwarezone with the introduction of network access.

As the years went by, however, things started to change. I found myself overwhelmed with ideas from sources that I never even considered. Instead of going out and looking for ideas, I started to get flooded by them day and night from emails, venture capitalists, fund managers, and business executives.

While all these “hot” tips always look exciting on paper, it boils down to one problem: they’re people who want to sell me on an idea.

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