Random Ramblings On Lowered Bank Interest Rate

Earlier today, OCBC has announced that they are lowering their interest rates for their savings account, marking the fourth round of revision since May last year. Of course, other than OCBC, other banks have also lowered their interest rates over the past few months as global interest rates continue to remain low. For OCBC, starting …

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Ark Greatly Affects Our Strategy – Here’s How We Are Investing Moving Forward

Over the past few weeks, we were consuming even more content around the US market and we thought we wanted to share more about what we learnt and how that is shaping our capital allocation moving forward. The main content we were consuming were those by Ark Invest's Cathie Wood. We can only say we …

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We Committed Our First Short Selling Mistake!

Earlier last week, Mr Budget made a stupid mistake which we thought we wanted to share more here. As we have previously mentioned, we are actively looking to sell off our Singapore shares to fund our increased appetite (a better way of saying "greed" haha) for US stocks. Hence during the recent rebound of the …

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Why We Redeemed Our SSB and Sold Our DBS Shares

Hi everyone, earlier today, both Mrs Budget and I have made a few transactions and we wanted to share some of them here. First, we redeemed our Singapore Savings Bond which we purchased 2 years ago. When we bought the bonds, we had the intention of keeping it until maturity 10 years later, with an …

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Relooking At Our Investing Strategy After Our US Portfolio Repeatedly Hit All Time High

Over the past few weeks, Mr Budget’s US equity portfolio has swelled from S$80,000 end of last month to now over S$100,000, hence hitting a new milestone in his investment journey! Most of the gains are due to gains from his existing counters, which are continuing to hit their all time high.  We only made …

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Our Current Thoughts On The Local Economy, Investments, And Personal Finance

Following our usual updates on our monthly financial transactions, our monthly expenses update, as well as our Syfe updates, we thought we wanted to share a bit more about where our headspace is right now in terms of our journey towards financial independence.  On our end, although every month Mr and Mrs Budget continue see …

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