What We’ve Learnt This COVID19 – Price Levels, Selling And Coffee Can Portfolio

Hello everyone!It’s been a while again since we last updated here! As usual, we want to write as much as we can, but haven’t really come out with much topics to update here. So if you have any topics suggestions, or any questions - please drop us a comment below - we love reading them! …

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monthly updates

What Have We Done This Month Towards Our Financial Goals – April 2020

So April has came and gone now. 33% of 2020 is now over. For the whole of April, both Mrs Budget and myself had been mostly staying at home due to the circuit breaker. While everyone else is doing a monthly portfolio update, we thought it is more meaningful to document what we have done …

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The Current Market Crash Pushed Our Retirement Goal Back By 3 Years, And It Might Get Worse

So the market dived another 8-10% or so yesterday.  Every retail investors is probably mass selling and taking profit off their positions now. There were reports that trading firms are overwhelmed and true enough, when I log into Vickers, I couldn’t even connect to my account. This truly is a once is a decade / …

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We Care Less About CPF Life’s Rate Of Return, More As A “Forced Savings” For The Compound Interest

Recently Mr Budget received a comment from a reader (thank you! We love reading them!) commenting on the CPF scheme. Ronald shared his views that I should do a calculation on the CPF Life annuity scheme to see if it is a fair deal before committing so much into CPF, after all CPF contribution is …

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Baby Steps For Our Retirement Planning – Regular Top Up Of Our CPF Special Account

One of the many stuffs that Mr and Mrs Budget set out to do this year is to top up our Special Account via the Retirement Sum Topping Up Scheme.  With the receipts from the wedding angpaos recently, Mr Budget has used the receipts and went ahead to top up S$7,000 to his Special Account. …

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The Best Personal Finance Decision Mr Budget Made In 2019 – Expenses Tracking

Regular followers of Mr and Mrs Budget will know that we track our expenses monthly. We have been publishing our monthly expenses since the start of this publication and if you have missed it, here’s our expenses for October, November, and December. Many might find that tracking expenses is a tedious thing to do, especially …

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Our Portfolio Is Probably Lacking A Roboadvisor Component – Here’s Why

Earlier last week, after reading our post on the ideal minimum salary range and the thoughts on retirement, Syfe reached out to us to have a chat with us on our financials. We subsequently agree and met up earlier today.  If you didn’t know, Syfe is a roboadvisor which adopts a hybrid model - there …

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Civil Servant’s 0.1 Month Bonus – What It Means And What Are We Doing About It

So one of the biggest news yesterday was the announcement of the annual bonus for civil servants. If you have not read it, basically, according to the Public Service Division, most civil servants will get a year-end bonus of 0.1 month this year, with a one-off lump sum payment of S$250 to S$1,500. Of course, …

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monthly updates

What Have We Done This Month Towards Our Financial Goals – November 2019

So November has came and gone now. While everyone else is doing a monthly portfolio update, we thought it is more meaningful to document what we have done this month towards our financial goals. Mr BudgetPosition Added: Lendlease, Ascendas REIT, Powermatic, SE, PDD Take Profit: Frasers Logistics Trust, Asian Pay TV Trust Mrs BudgetPosition Added: N/A Take …

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