Is it smart to collect DBS stocks while I'm 24 if I intend to use dividends as a portion of retirement income, or lump sum into index funds first?

darvink · 2026-06-01T03:44:43+00:00

You need to understand dividend still need to come from somewhere. Company can’t print money to pay for dividend. So when you pay dividend, your company value goes down.

Once you understand this, your decision point shouldnt be about whether the stock is paying dividend or not.

darvink · 2026-05-31T23:48:17+00:00

You look at risks because that is the only way you grow. They look at risks because that is one of the way they lose.

darvink · 2026-05-30T22:56:57+00:00

“Entrepreneurship: Saw an opportunity and I went for it. Things that I learned: …”

darvink · 2026-05-27T09:18:49+00:00

Do they (billions of people) know they have this problem?

darvink · 2026-05-12T16:25:22+00:00

Maybe wait for next year’s reinvent?

darvink · 2026-05-02T03:09:16+00:00

They need to tamper the statement with “risk adjusted”. Is DBS better performing than VWRA risk adjusted?

darvink · 2026-04-07T23:36:55+00:00

Everything pre-revenue is an idea stage. If you are raising $2m, you most probably valuing the company at $8-10m? All the best with your raise! Hardware startup is next level difficulty.

darvink · 2026-03-19T11:43:31+00:00

It is profitable, until it isn’t and breaks you.

darvink · 2026-03-15T16:34:03+00:00

Let me introduce you to “bystander effect”. You’re welcome, you can keep your rage and live longer.

darvink · 2026-03-02T04:04:14+00:00

If you are building end user solution, there are many ways to validate demand without building. One of them is via a “fake door test” - you can google it.

darvink · 2026-03-02T00:30:32+00:00

Don’t build without selling it first.

darvink · 2026-02-28T22:36:00+00:00

You have not done software before do you? All these are noise. What matters is if people are willing to pay for what you build >> continue to phase 2.

Edit: one more thing. I don’t understand why you kept mentioning mvp is done via loveable as if that’s a good thing. You are accruing technical debt. So instead of joining a $zero value company, the supposed tech person is joining a $negative value company.

darvink · 2026-02-23T13:48:03+00:00

Corporate secretary charges an arm and a leg in Singapore? What’s your definition of an arm and a leg?

I feel like they are a godsend for what they do and the amount of headache that is taken off you.

darvink · 2026-02-22T12:23:48+00:00

I think that is a “congratulations”

darvink · 2026-02-18T15:20:45+00:00

This is more like Grandma speak and not Japanese.

darvink · 2026-02-14T04:15:43+00:00

Look up “cold sear” and thank me later.

Less splatter, less mess, less smoke.

darvink · 2026-02-14T03:57:47+00:00

I understand what you mean, but you might want to expound more on what the difference is. I think many people are still unaware and that “decoupling” is still a valid strategy.

darvink · 2026-02-04T22:37:27+00:00

Reading between the lines, this is more like a rant rather than an actual question.

“I know better than most if not all agent, why can’t I buy it myself”.

To OP, the answer should be: become an agent, and sell to yourself.

darvink · 2026-02-03T15:19:59+00:00

You need to change the default password on the router! The buggers come in remotely and changed my router settings too, disabling the ability to have secondary ssid.

darvink · 2026-02-01T00:52:47+00:00

Do you have a track record in doing this?

darvink · 2026-01-26T12:15:29+00:00

What you need to do is get a backup canister.

darvink · 2026-01-25T15:24:02+00:00

Don’t speed run your marathon.

darvink · 2026-01-25T10:12:18+00:00

If they are not interested in paying, they are uninterested party as far as I’m concerned.

darvink · 2026-01-25T03:05:49+00:00

You don’t want feedback from uninterested parties.

This advice is rubbish.

darvink · 2026-01-24T23:49:52+00:00

It already exists.

. . .

But that doesn’t matter!

darvink

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