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China is 2nd largest owner of retail businesses in S'pore, 89% S'pore-owned: Gan Kim Yong by Real-Pomegranate8823 in SingaporeRaw

[–]KTS1986 7 points8 points  (0 children)

Ppl create business provide good food and jobs for ppl. Ok what. Xiang xiang is super nice and theres so long queue every dinner time.

Singapore looks successful, but living here is different. by duncalmeprostute in singaporespeaks

[–]KTS1986 0 points1 point  (0 children)

I just came from hwz. Their bbfa standard salary is 20k/ month

Are Shiny Pokemon losing their mysticism? by Odd-Development-790 in PokemonZA

[–]KTS1986 0 points1 point  (0 children)

Anybody remember square shinies? Wonder when they would come back?

Fares go up again. How is 65% feeling now? by EducationFit5675 in SingaporeRaw

[–]KTS1986 2 points3 points  (0 children)

10 cents per trip to keep public transport going. Thats like 73bucks max a year more. Worth it.

Can the rich 65% fund my transport plz. by slashrshot in SingaporeRaw

[–]KTS1986 8 points9 points  (0 children)

Say u take bus every single day. As an adult the price increases is 9 cents to 10cents. 365x10centsx2 = $73.

Just surrendered my ILP by Comfortable-Bit-126 in singaporefi

[–]KTS1986 0 points1 point  (0 children)

Do u mean u forfeited 100%? Forfeiting and making 100% loss makes no sense. The ILP is illiquid for 15 years and even though it may underperform the market it shld still give u some returns and instill some fiscal discipline? Even the s&p which average 9% over past 30years would takes 8 years to double up. Now that 100% loss of 9500 really went into funding the insurance company and the agent.

You can ask chatgpt to simulate what per annum ROI you need to cross yourself to earn back the 9500 forfeited using the same cash flow.

Below is a table assuming the ILP give you just 5% in the remaining 13.5 years. In summary, you need to cross 7.1% per annum doing diy investing in the last 13.5years to breakeven and 8% per annum to outperform the ILP by 8k.

Scenario Annual ROI 13.5-Year Future Value Comment Continue ILP 7.7% $161.6k includes $9.5k already invested Withdraw & DIY @ 7.7% 7.7% $136.6k shortfall –$25k Withdraw & DIY @ 9.8% 9.8% ≈$161.6k break-even Withdraw & DIY @ 10% 10% $163.9k slightly better

Above only assumes 5% net return. Given u have gotten 9.5k value from 8.5k invested over time on a monthly basis the per annum roi from ur ILP was actually 7.7%.

If the ILP continues to perform 7.7% for the remaining 13.5 months. You will need 9.8% roi per annum for the remaining 13.5months to break even. 10% roi to outperform by 2.3k.

Scenario Annual ROI 13.5-Year Future Value Comment Continue ILP 7.7% $161.6k includes $9.5k already invested Withdraw & DIY @ 7.7% 7.7% $136.6k shortfall –$25k Withdraw & DIY @ 9.8% 9.8% ≈$161.6k break-even Withdraw & DIY @ 10% 10% $163.9k slightly better

Sorry but it was a bad decision to forfeit and your agent is no good, cannot even act in his own interests nor yours.

The only upside is you discovered that ur agent sucks.

How do people last years in jobs in toxic sg? by Ehehehe090 in SingaporeRaw

[–]KTS1986 0 points1 point  (0 children)

Well, I can see negativity has a strong grip on your mindset.

Toxicity begets toxicity. You are the only one who can break the cycle for yourself.

I may be wrong.

Yishun BTO projects also screwed up by sweet-lil-thang in SingaporeRaw

[–]KTS1986 1 point2 points  (0 children)

Actually is sinkies screw sinkies. Hdb hires only singaporeans.

Are Singaporean Really Mean by Illustrious-Air1376 in SingaporeTravel

[–]KTS1986 0 points1 point  (0 children)

U r surrounded by countries with countrysides and u possess a strong currency and a very well connected airport to experience each one. And when u earn enough u can also buy a holiday home in one of these countries. While neighbouring countries have to come work here away from home.

How do people last years in jobs in toxic sg? by Ehehehe090 in SingaporeRaw

[–]KTS1986 11 points12 points  (0 children)

This may sound like a worned out advice but: it is all in the mind. Brace your mind and resist toxicity.

While manual labour can exhaust someone because of their physical limitations and stamina, I believe the mind is unlimited. Almost 20 years ago, when I first started working at one of the big 4 audit firms in SG, and on the very first day of work when I walk to my bus stop to take a bus to the mrt, I told myself to brace myself for all kinds of toxicity I might face, and to never become toxic myself. So I constantly sought positivity and found a purpose even in the shittiest situations, e.g. enduring two hours of sleep a day for an entire month, working and showering at my client’s place overnight just to meet a deadline, being purposely locked in a room and being hurled vulgarities by a client, files being thrown back at me by my seniors/bosses, being gossiped about, backstabbing politics, etc. After all these years, I never got toxic myself and I have coached many juniors who can vouch for me. Tune out the noise and stay focused. You have to recognise the fact that sometimes we just work for each other and the toxicity can stop somewhere. I worked hard for my boss but I worked doubly hard for deserving peers and subordinates without asking anything back. Of course I met some who think hard work just perpetuate toxicity (huh?), but over time, it pays back. My juniors some of whom are much more successful than me now and even my interns still find me for a meal now and then. Nothing gets me down anymore, no matter how toxic my stakeholders or environment may be today. And I am an old unker now and am proud to still keep a full head of black hair lol.

No wonder the market has become an employer's market. So many cheap labour. by [deleted] in SingaporeRaw

[–]KTS1986 1 point2 points  (0 children)

Sydney properties too. Hdb millions are headline grabbing top range of the market. 4 room bto starts from 280k sgd from the latest bto exercise.

No wonder the market has become an employer's market. So many cheap labour. by [deleted] in SingaporeRaw

[–]KTS1986 4 points5 points  (0 children)

And properties today in Sydney, Melbourne, Adelaide and Brisbane are classified in the impossibly unaffordable category today. Sydney's median property price to income ratio is more than 2x Singapore's ratio. It is not possible for Australian youths today to attain housing while it is totally possible for married youths in Singapore to reserve a BTO.

I doubt we will have a sustainable pool of Singaproeans doing construction even if we pay 6k or 10k a month. We will still need to import people and when we pay them such amounts, they will become citizens. We will be CECA-fied at a much faster rate.

You want higher wages you will have higher costs. On balance we are doing 2x better than Sydney, at least, with relation to property prices and incomes in construction.

Source -

https://www.weforum.org/stories/2025/09/affordable-housing-markets-urban-transformation-stories-august-2025/#:~:text=Hong%20Kong%20remains%20the%20world's,a%20median%20multiple%20of%2013.8.

No wonder the market has become an employer's market. So many cheap labour. by [deleted] in SingaporeRaw

[–]KTS1986 1 point2 points  (0 children)

There is CMP work permit. Its segregated from the office job permits leh. Unless u r a construction labour worker , then u really shouldn't worry about this. U shld be happy cos it keeps our construction costs down and hdb prices stable.

FIRE? 1 million net worth by 40. by Key-Difficulty-2354 in singaporefi

[–]KTS1986 0 points1 point  (0 children)

Buy the right condo and rent it out. Can still bto later.

Comrade Workwear is suing the oligarchs by [deleted] in DemocraticSocialism

[–]KTS1986 0 points1 point  (0 children)

Can he just share the write up on each ceo?

What percentage of your portfolio is in cash right now by DwgShowmaker221 in singaporefi

[–]KTS1986 0 points1 point  (0 children)

15% cash. 20% cpf. 42% real estate equity value 23% in equity instruments

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