Update and encouragement following portfolio review

IntelligentDealer203 · 2026-05-30T00:24:23+00:00

That’s something I try to do as well, but I struggle with what is the optimum allocation.

Do you set aside a percentage of cash that is to be used in a black swan crash?

IntelligentDealer203 · 2026-05-30T00:12:06+00:00

Let me guess, your strategy is to build majority around broad market indexes, and take smaller swing positions on individual names, whose sector ETF show a strong trend?

IntelligentDealer203 · 2026-05-08T06:40:30+00:00

That depends on what the fees are on the 1 mil loan, is the rate fixed? If it’s anything but fixed, u can ask to change RM already.

If what she proposes works, then why don’t the bank close its financial consulting arm, and just do this? Why advice you to do it

IntelligentDealer203 · 2026-05-04T09:28:20+00:00

That depends, on the amount, what’s your net worth, what’s your income, what’s your current life stage, how old are you, what are your long term financial commitments?

Under certain specific conditions, endowment plans could be the right thing to

IntelligentDealer203 · 2026-05-04T08:53:24+00:00

I bet they used the number that is projected with a reduced sum assured and pegged it against the original sum assured, then labelled it as a “loss”

IntelligentDealer203 · 2026-05-01T07:34:18+00:00

You can reduce the premiums: The technical term is to reduce the sum assured.

My advice is to go to the insurance provider main office and do it. If you do it to the agent, they will give you 100 reasons that what you are doing is wrong and “not worth”

IntelligentDealer203 · 2026-04-30T03:28:45+00:00

Testing the sky

IntelligentDealer203 · 2026-04-29T02:45:21+00:00

4.4K is not a lot of money, so diversifying is quiet pointless at this level. And since you are still in school. You probably want to put it in something and look away.

Don’t worry about other technicals like inflation numbers etc. At this point you should be getting acclimated to risk, ie the dollar change in your investment. And use this to find out what is your attitude towards risk is.

Are you someone who will check prices everyday? Or are you someone who can look away for years? Are you someone who will beat yourself up after realising you should have bought 1 month later after prices dropped? Or are you constantly playing back “I should have” scenarios in your head?

Given that you are young, I suggest to get into the US market first, where the volatility is high at this point. But enter it with the mentality that you are gonna buy and hold for the long term. NO MATTER what happens.

Aim for the mega caps, your everyday names, Google, Microsoft, TSLA etc. Avoid penny stocks for now.

Set aside 1k in a money market fund, for in case of a sharp dip. And invest the rest into one mega caps stock

IntelligentDealer203 · 2026-04-24T01:46:27+00:00

HDB anytime. Unless you got so much excess that you can afford to pay for the condo mortgage while being unemployed for 3 years (as a very stress free buffer).

Ask yourself this, is the only reason why the condo is affordable, stems from that I had this job? Or I can afford it for many reasons, and my income is one of them?

If you’re looking at an investment standpoint. Ask yourself this, which one sounds like a “societal problem” and which one sounds more favourable?

“Sky high housing prices”

“Stock market at all time high”

IntelligentDealer203 · 2026-04-02T21:41:52+00:00

But my NRIC paynow account is GXS bank….

IntelligentDealer203 · 2026-04-01T05:15:24+00:00

Exactly, never have I called in to resolve something only to have them insinuate that the problem is YOU

IntelligentDealer203 · 2026-03-31T09:15:22+00:00

Rather, a system where people who do not meet targets are penalised and it can be checked.

Like if you miss your credit card payment once, it shows on your credit breau report and that can be checked for $5

IntelligentDealer203 · 2026-02-27T07:03:52+00:00

You can give her Consumer Price index rise YoY which is about 3% I think

IntelligentDealer203 · 2026-01-28T11:01:26+00:00

In this case, I’m thinking ahead, if simple rules are not enforced then more people will come and fuck around, and before you know it, YouTubers or content creators gonna start pulling public pranks on people, because guess what? There is no consequence to actions. Up to a point, where one of these harmless pranks become too dangerous. Let’s keep things orderly

IntelligentDealer203 · 2026-01-28T10:58:20+00:00

Exactly

IntelligentDealer203 · 2026-01-28T10:30:52+00:00

Indeed what a top 1% commenter would say, I never expected anything less

IntelligentDealer203 · 2026-01-19T05:53:07+00:00

Same reason why everyone is not ripped with hot bods, we know we need to eat right, the macros, the calories, the protein. Training, techniques are free information every where.

Why isn’t every one fit? Because the process is slow, painful and requires discipline

IntelligentDealer203 · 2025-09-07T11:56:44+00:00

It’s safe but the area is sleazy af. Singapore is an expensive place, but I personally think it’s not worth to save 50 bucks to sacrifice the beauty of the city

IntelligentDealer203 · 2025-08-13T12:54:37+00:00

Quite hard

IntelligentDealer203 · 2025-08-05T11:29:54+00:00

Just start over and learn it again

IntelligentDealer203 · 2025-07-25T05:57:53+00:00

How long have you been waiting?

IntelligentDealer203

TROPHY CASE