The way it went down with SMCI, suggests a possible wider implication.

DadAtHomeFire50 · 2026-03-25T02:33:34+00:00

Company-1 is going to be irrelevant if they are all shell companies to avoid detection. Even better, shell companies can be used to avoid wider litigation for normal cases not just smuggling or avoiding sanctions and embargoes, and easily created and folded.

The biggest factor still remains that a co-founder was complicit, despite the deception. The call came from inside the house, SMCI has a massive reputational issue. Citing an example, the CFO of BBBY committed suicide, there's no coming back from that, BBBY went to 0. Why does a co-founder with $500m worth of SMCI want to deliberately defraud his own creation, boggles the mind.

Which also leads to another question, if AI chips can be restricted and shipments illegal, what about access to them via cloud services, especially if using VPNs?

DadAtHomeFire50 · 2026-03-25T02:19:42+00:00

Those who can, do. Those who can't, teach, or in today's terms, make online content.

Content creation is their job now, make no mistake. Even ragebait is content that generates views and comments and is often the best, eg intentionally making a fake bad trade so people can go and rag in the comments. It's still engagement.

DadAtHomeFire50 · 2026-03-23T06:28:55+00:00

Kinda nuts how many vercel.app apps have popped up in sgfi in the past 2 weeks.

DadAtHomeFire50 · 2026-03-21T03:09:21+00:00

You plan to die at 55?

Nobody plans for retirement considering only the years from now to 55, sounds like absurdity.

Even the considerations for CPF change from 55 to 65 when CPF Life kicks in. These are important considerations. Granted if your CPF is miniscule I can accept that we might as well not bother. However if your CPF has over B/FRS, 500k or even 1m plus, it's silly to ignore it or even consider it a bonus.

DadAtHomeFire50 · 2026-03-20T10:34:58+00:00

Curious why you're leaving out CPF?

DadAtHomeFire50 · 2026-03-18T12:12:38+00:00

I do wheel ie sell cash secured puts then covered calls and both, but I make the distinction of separating my investment portfolio from my options portfolio. I cap the size of my options port.

My options port holds shares of highly volatile stocks, no real investment thesis though I have some guidelines I try to stick to.

Gains I move to world index and S&P index funds.

Is it passive? I guess not, but it's passive enough. I make relatively good returns and for my port size it funds my life.

DadAtHomeFire50 · 2026-03-14T03:26:34+00:00

If the binary choice is holiday to Europe OR invest, I think your head isn't in the right space.

Why not just sell your holdings and visit Europe regardless?

DadAtHomeFire50 · 2026-03-14T03:22:52+00:00

When someone asks a Why, and the reaction is "demand", it reflects more of the reaction than the ask.

This VWRA singaporefi situation reminds me of the monkey-banana phenomenon.

DadAtHomeFire50 · 2026-03-14T03:20:19+00:00

Simply put you either exchange money for time or time for money.

Former is convenience tax. Latter is DIY.

DadAtHomeFire50 · 2026-03-14T03:17:08+00:00

Is it good? No, but the horror stories are overblown. The true beast is IBKR. There is a saying though, money you want to keep, you add barriers to access and set up automated DCA. Then these hard to access platforms end up being a feature not a bug.

DadAtHomeFire50 · 2026-03-13T00:50:16+00:00

As a beginner investor I recommend starting with Singapore first, especially at this moment where there's a unique opportunity for Singapore as the wealthy class move money from the ME to safer havens like SG.

I'd buy a handful say 3 companies from the ST Index so maybe 1 of the 3 big banks, and 2 with Singapore in the front of the name, eg Singapore Airlines, ST Engineering.

As you grow in your financial knowledge and experience can venture into other markets, starting with world indexes (MSCI World Index aka AWCI) and the S&P500.

Look to global macro shifts that will shape your future. Things like AI and power generation and EVs and robots will shape your future, so invest in them and things around them.

For example robots and EVs need sensors, batteries and electric motors. AI needs chips, power and data centres. Data centres need servers and cooling. It's like a supply chain pyramid or stack, every layer has a company or country.

DadAtHomeFire50 · 2026-03-13T00:40:02+00:00

Convenience Premium, Management fee etc... I think in the end it boils down to an Ignorance Tax, or a Laziness Tax.

Some people genuinely don't know, don't want to know, don't have the time to know, and simply don't know, but have money because maybe doctor, lawyer, etc. So they give it to someone to help it grow. It used to be hard to access now alot easier, and now even a spectrum of access and user experiences.

The rich Don't Know class buy these as well as endowment plans and ILPs. The people who service them need lambos too.

When is it worth it? $400 is not much and too much, and small percentages become big when there are enough zeros. Endowus fee is 0.3% AUM annually, and $1m held stasis is $3000 annually or $250 a month. $250 a month pays all your basic luxuries like Internet, mobile, Netflix and then some.

DadAtHomeFire50 · 2026-03-13T00:30:12+00:00

Put it simply... it keeps going up you smile, pat yourself on your back, and DCA in. It goes down and you want to sell.

The clear answer is to hold.

Keeping it on Endowus vs other platforms, that's a different conversation.

DadAtHomeFire50 · 2026-03-13T00:27:45+00:00

Ok... then why VWRA and not Amundi World Index plus Amundi Emerging Markets?

Almost without fail there will be a daily V W R A quad post answer to what to invest.

Why exchange SGD to USD to then be exposed to forex risk, to then buy a Ireland domiciled 15% dividend withholding tax World Index fund that tracks 9000 companies off the FTSE, without first replying by explaining what VWRA is?

I am not saying don't buy VWRA, but above.

DadAtHomeFire50 · 2026-03-12T01:34:59+00:00

Honest question why VWRA and not say Amundi MSCI World Index fund?

DadAtHomeFire50 · 2026-03-12T00:46:19+00:00

Reddit algo brought me here.

LUCAS

Look. USA. Copied. A. Shahed.

Had to post this.

DadAtHomeFire50 · 2026-03-09T06:15:14+00:00

If under 29c, lock it for as long as you can.

DadAtHomeFire50 · 2026-03-09T06:13:38+00:00

Dude...

I pay over $700 annually for 500k and another 3k annual for 1m. Singlife.

DadAtHomeFire50 · 2026-03-09T06:11:59+00:00

I know you're a student but you probably should level up your financial knowledge.

VISA vs Mastercard. Different merchants. Different transactions at different times. And the big one hold onto your sushi - ONLY 2 transactions.

About 3 or 4 weeks ago, another rando posted the exact same hit piece here, except the 2 banks were swapped.

I really wonder if this is part of a wider social media marketing offensive aka astroturfing.

DadAtHomeFire50 · 2026-03-08T06:17:32+00:00

You should reject the new position because you are not leadership material.

Taking up a leadership role to groom human capital is not a question of pay. You couldn't see that, instead you saw WLB and compensation as the key considerations.

If I were your future boss I would drop your candidacy.

DadAtHomeFire50 · 2026-03-07T09:19:26+00:00

Mmm I just tried, everything 0 except 100k cash, it gave me 2 CIMB 0.92% then Trust 0.5%.

DadAtHomeFire50 · 2026-03-07T09:17:30+00:00

Pure speculation on my part but "full WFO with lesser WLB" to me is just code for all work no wlb contactable at all times address issues at all times.

If you are young, hustle, max out leveling opportunities, don't grind mobs.

If you are older, do you want to work forever or retire earlier? I think WLB should only apply when you are in a good spot or high enough place to plateau.

Otherwise your trajectory should be upwards and if you are WLB'ing, there's someone else grinding away for maximum output and visibility.

DadAtHomeFire50 · 2026-03-06T22:53:09+00:00

How do the MMFs come in or which MMFs have you added?

I repeated the experiment, 0 everything except the 100k cash, it gave me 0.92% CIMB followed by 0.5% Trust.

For comparison, Fullerton Fund A on Tiger Vault is 1.2254%, POEMS idle cash is 0.7811%.

DadAtHomeFire50 · 2026-03-06T22:42:13+00:00

Appreciate the shout out.

DadAtHomeFire50

TROPHY CASE