About Myself

I am an Accountant by training and is currently working in a global MNC. During my free time, I enjoy reading up on topics such as stock investing, insurance planning and property investment. Since 2012, I have started penning down my thoughts on certain financial matters while striving to achieve financial independence. Being through the 2008 global financial crisis taught me that one should never leave one's own financial management to the so-called experts such as Financial Advisor or Unit Trust Manager. It is important for one to learn how to manage one's own financial matters. Till today, I am still learning from investment discussion forums and investment blogs and is delighted to pick up skills and tips from other like-minded folks in our ever growing vibrant local investment community.

You all can also refer to some of my life stories and thoughts on daily issues in "MY JOURNAL" page.

Please subscribe and follow me on my YouTube channel setup in August 2023.

Investment Philosophy 

I no longer subscribe to the traditional buy and hold forever strategy advocated by many mainstream "value" investors. Buying and selling at different market cycles are also important in capital preservation and realization of profits. When a business dies (some of them will eventually lose its economic moat), continue holding on to such companies forever will mean drowning with them in a race to the bottom of the sea with no return. Look at what happened to once thought of as invincible and government backed blue chips like Singapore Press Holdings, Sembcorp Marine and Singtel.

Investment Approach:

1. My blog emphasizes monthly income generation, using dividends and bond interest as key cash flows;

2. Aims for sustainable growth through dividend reinvestment and gradual portfolio scaling;

3. Uses leverage modestly (margin loans) but tracks repayment closely to avoid overexposure.

Also, I learnt over the years that one just could not time the market perfectly (those that claimed they can do it are just talking nonsense). 

But I guess overall, I am still more of an "Income" investor with a greater focus on generating passive income from dividends and bond interests. 

Investment Income For Life

A Chief Financial Officer (who worked for international banks previously) whom I met during an accounting course told me that an accountant who wants to adhere by professional ethics at work first needs to achieve financial independence in order to withstand pressure from the higher up who wields considerable power in any organization. This left a very strong impression on me. 

Who dare wins.....create your own passive income and achieve financial independence. Be in control of your own destiny.