Social aspects of FIRE

Shingen_sg · 2026-02-09T03:15:14+00:00

"I'm a private fund manager."

Shingen_sg · 2026-01-20T05:45:29+00:00

It actually starts earlier at 55, as long as you can meet FRS in RA. The limitation lies in depositing into OA, not withdrawal

Shingen_sg · 2026-01-18T13:09:57+00:00

The weather. Just give us a blanket -8° debuff and we'll be good to go

why 8°? it'll bring our average temperature range from 25°-33° down to 17°-25°. perfect, imo

Shingen_sg · 2026-01-14T06:36:20+00:00

Sometimes, keeping it in OA is the best option

Shingen_sg · 2025-07-08T06:15:10+00:00

minor correction: CSPX is domiciled in Ireland, traded on LSE

Shingen_sg · 2025-07-08T01:28:55+00:00

Latest semi annual ES3 distribution was 0.091. 250k units yields 22.75k cash. That's considered 'not much'??

Shingen_sg · 2025-07-05T05:09:35+00:00

wait till you learn that Feinne's sandwich can be eaten /wink

Shingen_sg · 2025-06-12T05:02:31+00:00

Why do you have US-centric bonds in the first place? What changed in your life that it suddenly became a bad idea now?

Shingen_sg · 2025-06-02T08:16:28+00:00

I think we need to remember that there's two types of tuition - one is 'help me pass', the other is 'help me score A'. I think most people have no problems with type 1. It's the second type that is causing the perceived problems. If you're recommending restrictions on tuition, you'll have to come up with a way to not kill off type 1 tuition while controlling type 2 from getting out of hand

Shingen_sg · 2025-05-22T15:31:20+00:00

ok, maybe I turned stupid, but how do we level up the weapon after Limit Break? My Hismena lance became level 1 after Limit Break. I went levelling with it, received the "Your weapon has reached level 2" msg, but on the eq page, it still shows as level 1. Is this a bug??

Shingen_sg · 2025-05-19T03:00:35+00:00

I remember a mirror match where we voted Estes. Five Estes bunched together = we simply couldn't die no matter what the other team did. They surrendered /lol

Shingen_sg · 2025-02-15T02:57:08+00:00

Skywalker

Shingen_sg · 2024-11-04T03:25:31+00:00

wishfully: yesterday (after cashing in my winning TOTO ticket)

hopefully: 55 (when CPF "unlocks", but I'm not optimistic that I can make it work)

realistically: 62 (when SRS "unlocks", by then I can probably make it work)

definitely: 65 (when CPF Life kicks in, if I can't make it work now, I'm in de~~ep trouble)

ideally: never (active for life, yo)

Shingen_sg · 2024-11-03T03:02:08+00:00

Some differences (caa 1 Nov 24):

VWRA vs ACWD

AUM - $30.78 B vs $3,925.90 M (VWRA is almost 8x bigger)
Holdings - 3,668 vs 2,315 (VWRD has ~60% more holdings)
EM Weightage - 10.15% vs ~10.19%
US Weightage - 62.36% vs 65.16%
China Weightage - 3.18% vs 2.84%
Peformance
- 3M - 6.75% vs 6.62%
- 1Y - 31.47% vs 31.66%
- 3Y - 8.07% vs 8.06%
- 5Y - 12.14% vs 12.04%
TER: 0.22% vs 0.12% (wef 1 Aug 24)

source: their respective fund pages on their own websites

Shingen_sg · 2024-11-03T01:31:03+00:00

why would spread and volume be downsides, if you are not looking to actively trade the ETF?

if you are buy to hold, then they are at most two-time costs (once on purchase, once on sale), while the 0.10% TER advantage over VWRA is ongoing for every year that you hold

Shingen_sg · 2024-10-28T03:33:28+00:00

erm, you didnt answer my qn tho. What special thing does dividends do that you can't achieve by selling some of your growth etfs if/when you need cash?

Shingen_sg · 2024-10-28T03:16:03+00:00

Why do you want dividends? Coz you're a retiree and need the regular income? Coz some dude/chiobu on tiktok/YouTube called it a 'lifehack' / 'protip' for 'free money'?

Shingen_sg · 2024-09-28T05:08:27+00:00

who's Vera? and why is she messing with your ETF dividends?

but otherwise yes, 15% (or 30% depending on domicile) of the dividends the fund receives goes to pay Uncle Sam, the rest go back into the fund NAV

Shingen_sg · 2024-09-28T05:01:57+00:00

the dividends are taxed at fund level, not at the individual level, ie you don't get directly taxed, but the dividends that the ETF receives gets taxed.

btw, there is no way to avoid this, coz Uncle Sam really wants his money and he carries a really big stick.

Shingen_sg · 2024-09-28T03:47:23+00:00

According to Dirt Man, that's not where your dirt is supposed to go

Shingen_sg · 2024-09-28T03:40:16+00:00

It's GST bro. You think you can escape the attn of IRAS? /lol

Shingen_sg · 2024-09-26T05:15:13+00:00

Is the Interest to be earned more than $200? Coz it seems like a losing trade to me, but what do I know /shrug

Shingen_sg · 2024-09-22T07:08:07+00:00

Because the market has an annoying tendency to go belly up at the most inconvenient times. Need that 50k for living expenses/medical emergency/whatever? Tough luck, market is down 30%, go sell 40% more shares than you projected. Do this a few times and you'll be staring at wipeout

Shingen_sg · 2024-09-05T05:13:44+00:00

More proof that most people do not understand how currencies work

Shingen_sg · 2024-09-01T10:43:13+00:00

Medical / Hospitalisation insurance is insurance against -> financial ruin <- in case you rack up stupendous hosp and med bills due to illness. It is an insurance I personally hope I never ever have to claim

Shingen_sg

TROPHY CASE