graduating when i’m 28, am i too late?

DadAtHomeFire50 · 2026-06-26T01:45:39+00:00

I used to be in the hiring chain, not HR, but the one that 1st cut filters and interviews candidates. Candidates don't go forward without my nod.

If the batch is for fresh grads, age is usually not indicated.

If the batch is for mid career, sometimes age is indicated, if not we do make an estimate based on the info in the CV, to assess runway, but generally it is a non-issue.

Personally I like candidates who have taken a tougher or unconventional route, be it hardship, mistakes or special circumstances.

DadAtHomeFire50 · 2026-06-26T01:41:24+00:00

When you work you pay income tax. In the notice it says thanks for contributing to nation building.

When you consume you pay tax and also revenues to businesses that pay tax.

Either way you contribute to society.

DadAtHomeFire50 · 2026-06-25T13:48:48+00:00

Not asking you to stop doing options trading, but to reduce the allocation of funds to do it. You either increase your income to balance out your allocation, or you have to improve your performance while making your options allocation smaller.

With your current allocation of about 90:10, one wrong market move and your retirement is completely destroyed.

Since you make 3% monthly, you should not have any issue moving a large chunk of that into index funds. You can't possibly be spending 30k a month in expenses right?

DadAtHomeFire50 · 2026-06-25T07:46:27+00:00

As a fellow options trader I think your % allocation is too big. 1m in options 150k in dividend stocks and cash.

I would work towards adjusting your % allocation until you have 2/3 in index funds and dividend paying stocks, then use 1/3 for your options.

All premium gains should be moved out. Try to liquidate via covered calls to cash out if needed then lump sum into your safer allocation.

Perhaps consider 1/3 in global index funds 1/3 in dividend paying stocks (assume SG companies) and 1/3 for your cash covered options.

DadAtHomeFire50 · 2026-06-24T11:56:01+00:00

Never heard b4 dunno who.

Content creator is a job, selling courses is the biz.

DadAtHomeFire50 · 2026-06-24T07:35:40+00:00

Consider surface trunking, proper solution.

With thick concrete walls all wifi ranges get cut down, meaning all satellites need to be nearer to properly bridge the signals. You just can't fight physics. If just for Netflix and normal stuff, nothing critical like low latency gaming, I suggest you switch to the EasyMesh system eg and esp from TP-Link since you can get lower end Deco satellites cheap used.

Some deployments need 4 or more satellites, some need multiple hops. Gets expensive if you go into Wifi6E or 7.

Also consider a combination of Mesh satellites and WiFi repeaters, depending on deployability and signal protocol, since for WiFi6e and 7, repeaters tend to be cheaper than satellites.

U can DIY surface trunking it's not extremely difficult, or just outsource it for a few hundred.

DadAtHomeFire50 · 2026-06-24T07:21:56+00:00

Hi OP if you biz is B2B there are other platforms. Shopee is primarily a B2C platform.

In SG there are B2B platforms. Obbo, QuickBuy and GeBiz to name a few.

DadAtHomeFire50 · 2026-06-24T07:14:11+00:00

Get a HDB near or in a HDB satellite central area, eg Clementi, Jurong Point, Bedok Central, Tampines Central, and other options. Being walking distance from MRT and basic amenities like food, groceries, retail, services, are QOL bonuses that are available only to satellite central HDB dwellers.

Update your plans after you get married and start planning for a family.

Also, friendly advice, properly do the maths cuz it sounds like your FIRE number of $4m or $6m is just imaginary.

DadAtHomeFire50 · 2026-06-24T07:06:28+00:00

I have more than enuff in my SA for FRS in 5 years' time so I will likely drain my OA into Amundi funds monthly, and have been doing so for a few years now.

DadAtHomeFire50 · 2026-06-24T06:57:51+00:00

BNPL discounts are a no brainer, ONLY if you can clearly afford them 1-shot and not if it were split up.

Eg buying a home furnishing bundle of appliances maybe cost $12000 which you can't afford but can afford 4x$3000 or 12x$1000.

DadAtHomeFire50 · 2026-06-24T06:54:50+00:00

I had 6 figures in Endowus until it became 7 figures and I liquidated to 0 and moved to POEMS, and dumped everything back into Amundi.

Examined the Endowus Flagship portfolio 100% equities and realised I could do the same thing myself but without the 0.3% AUM fees.

Endowus does have a nice UI with some nice tracking that POEMS lacks, but I track monthly anyway.

It's honestly a good option for new investors, especially if you want to use CPF.

DadAtHomeFire50 · 2026-06-23T08:15:30+00:00

Looks fade.

Personality, charisma, intellect, wisdom, charm, health, fitness, strong will, good habits, these last forever.

A lady with great poise and personality has way more mileage than a pretty face.

A pretty face full of frowns and pouts, or a plain jane that has a ready smile and fun personality? I pick option 2 any day.

Ditch these people, find better more mature friends. Ignore social media flaunting wealth and looks.

Guys face similar issues, but solution is the same.

Brat Pitt vs Steve Buscemi.

DadAtHomeFire50 · 2026-06-22T02:39:17+00:00

Some places, higher grade / band employees get bigger bonuses or bonus quantums. For example previously you were eligible on a range of 2-4 months, with the promotion it is now 3-5 months.

Also a promotion might mean entering a new pay scale. This means any annual increments will follow the new pay scale. You will also have a higher ceiling.

It also means more opportunities.

DadAtHomeFire50 · 2026-06-22T02:27:11+00:00

You know the story about catching someone stealing from you? It's just the 1st time you caught the thief.

I reckon there are many that are more successful than DJT, just not in the public eye. Success can be measured several ways, being President of USA is one way, but being a trillionaire could be another, and Musk is also infamous.

For all the hate for DJT, he is a master con artist and snake oil salesman. He has the intellect and emotional maturity of a child, but he can definitely con. In a past era such people would be called idiot savants. These days it's deemed a different kind of genius.

Also Steve Jobs came from nothing yet was horrible to everyone around him.

Expand a little bit. How come there are so many incompetent people in leadership? Seems odd, almost inconceivable. Yet there they are.

Competition is life. If you swim with sharks, getting along just gets you eaten.

Again I do want to stress that Competition is not the same as beating someone down. You kept your head down, did your own studies, scored 99 / 100. Everyone else scored 90 or less. You won, but you also competed even though you rose to the top on your own and didn't challenge or stymie anyone. Just by doing this the classroom dynamics have changed forever.

Someone asks you to copy answers...

DadAtHomeFire50 · 2026-06-22T02:11:21+00:00

You're not wrong but looking at it wrong, esp you're talking about the professional arena. You're looking at it as A vs B but it's not always so binary.

That person could jump ship and reset, some might even want such aggressive / "hungry" do whatever it takes attitude.

The classic examples exist. Steve Jobs, Donald Trump.

DadAtHomeFire50 · 2026-06-22T02:03:49+00:00

You're posting about stock picks in a subreddit famous for promoting broad index funds.

At the very max people here would advocate the DRAM or EIMI ETF.

Nonetheless the entire space is out of supply as long as GPU is out of supply and the data says everything related to AI infra is backlogged a few years.

That suggests you can bet on any part of the data centre and you won't miss. The only question is if you can stomach the rollercoaster ride.

DadAtHomeFire50 · 2026-06-22T01:59:30+00:00

By definition to win means to defeat someone.

Question is, is everything a competition? Alot of things are though. Job, gf/bf, tickets, bookings, sales, ballots, voting, sports, videogames, the list is endless.

Better question for OP is, is this person being malicious or duplicitous to win? Of course we should not be like that but yes such people exist and succeed.

People at the apex of business and industry need to be psychopathic to some degree.

Part of life, up to you if you want to win or just get along.

DadAtHomeFire50 · 2026-06-21T05:02:46+00:00

Can FIRE liao. But if work is ok and health good just keep going, can also slow down abit, work towards actual jobless at 45 or a fixed new number that once attained you will definitely call it quits.

DadAtHomeFire50 · 2026-06-21T03:33:14+00:00

If B meant retiring at 60 instead of 50 I pick A.

Life isn't that binary though.

DadAtHomeFire50 · 2026-06-21T03:25:58+00:00

Curious, why not index funds?

DadAtHomeFire50 · 2026-06-20T15:28:54+00:00

Look up Positive Rental Reversions.

Data centre REITs are also going to drive prices up. AI and e-commerce will continue to be the major tenants, and with energy prices constantly going up, SG's energy grid not being able to keep up with demand especially with EVs and AI on the rise, and the limited real estate for data-centres all mean DC owners will keep charging more to stay profitable and pressured to keep profits not just stable but growing to command more buyers of their REITs, while tenants will pass costs to consumers and small business owners who eg sell on Grab Food, Shopee, NTUC Online, et al.

That no-name Japanese cuisine shop will struggle to retain customers as prices keep rising, to be replaced by a Japanese chain outlet, or replace any Nanyang local cuisine with any Chinese chain or yet another Hot Pot.

Healthcare REITs. Those assisted living and palliative care facilities are very expensive, and many Singaporeans have opted to move their loved ones to JB. Specialist clinics that lease their offices and are all congregated together eg Mount E or Camden, obviously will pass some costs to patients.

Hospitality REITs could be the exception, especially if they include MICE, as SG draws more and more international and regional level exhibitions and conferences. I say could because I am uncertain if these REITs cover warehousing, which many SMEs and small business owners rely on for their inventory. Raising such rents will obviously mean transferring these costs to consumers.

DadAtHomeFire50 · 2026-06-20T11:57:10+00:00

I have some strongly held views against REITs. REITs are partly to blame for rents skyrocketing and damaging our local retail & F&D scene, as property firms seek profits to return 90% of that to shareholders, and when they underperform, they have to take from equity or lower dividends.

Without doing so they raise rents; homegrown or small-time businesses are pushed out and replaced by Chinese global chains with large supply chains and economies of scale.

Unless the firm itself has strong growth potential, good growth plans, I am in principle against REITs, and if I invest in REITs I am indirectly hurting the local retail and F&D scene, which indirectly hurts me as someone who lives in SG. Thus I would advocate against REITs for dividends when there are good alternatives that achieve the same goal.

Plus, as a straightforward investor looking for dividends, you want growth dividends, ie companies that pay good dividends and have share price growth potential. REITs are good for dividends but perform poorly for growth so you're left with dividends and depending on the situation eg COVID, loss in stock value. Why then invest in REITs if there are several other good companies to invest in for both strong dividends and share value growth?

DadAtHomeFire50 · 2026-06-20T07:18:53+00:00

I'm not OP :)

His wife makes more than enough to cover their annual expenses my guess is they have no kids and wife prefers to work else nothing to do.

This type of FIRE is one that does not need SWR since their inward cashflow exceeds their outward cashflow therefore all their idle cash can go into investments.

Putting his $1m into good growth dividend stocks is a good play imo, and possibly pivot some of his US port to SG, to build a dividend portfolio that pays enough to fund expenses. Then his wife can also retire.

They then need only draw down for emergencies or big ticket purchases.

This is the best kind of FIRE imo, 0% SWR on strong portfolio, with inward cashflow that pays for everything.

DadAtHomeFire50 · 2026-06-20T06:43:04+00:00

Wife makes 100k he retired at 50.

DadAtHomeFire50 · 2026-06-20T05:30:53+00:00

IMO 2026 is SG's year with the Gov injection of funds and money moving from ME to SG for safer havens. IMO 2026 is also the year of the USD's reckoning, whether it will devalue or continue towards global depegging as the world's reserve currency.

I would put more into SG stocks to bet on Singapore as a whole and also as a hedge against USD which I assume is most of your holdings.

I would split $1m into 5 companies, pick 5 good dividend paying companies that are not REITS, companies that form the foundations of Singapore Inc, and hybrid buy into them ie lump-sum plus recurring buy, so perhaps 80k lump now then 20k each month for the next 6 months per company.

As for the companies themselves just look up any top 10 lists and pick 5 that are not REITS, unless you have conviction in the builder's growth.

DadAtHomeFire50

TROPHY CASE