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What’s Next After Achieving Financial Freedom?

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These 2 blog post from my friend about life after achieving FF prompted me to “ kaypo” and write something about my life after FI since 3 years ago… this is the question where many “F.I.R.E to be” should ponder along the journey of achieving FI. Financial independence is not about being rich but is the experience of having enough….and the most important question people often overlook is “What's Next when you have achieved Financial Independence?”.

How To Spend Your Year End Bonus ?

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<This article first appeared in “Seedly” on 13th  Dec 2017 , one of the leading social network for investors who believe that anyone can achieve financial freedom with the right tools and the right mindset .  ( here ) >


Time flies and we are at the end of 3rd Qtr 2017 with Thanks Giving just around the corner and follow by Christmas celebration. I guess most of the investors including me are happy with their investment returns in 2017 as STI is up by 15.2% YTDand if you are the lucky one who have invested in Banking ,Electronic/ Chips Manufacturing stocks and few selected property counters, your returns should be much higher than STI. " Gong Xi-Gong Xi "

Well, most of the employee will also be receiving their Year End Bonus in Dec or early Jan ( if you are not in the industries which is still struggling with “downsizing or right sizing “ as below survey quoted. You may at least get something ….

4th Qtr 2017 : Dividend and Portfolio Update

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Is time to see many update from financial bloggers  on their year- end portfolio review  and total dividend to be collected in 2017 , including B (here ) and me of course.

Time flies , as usual with the last company to have announced the financial result , I will try to tabulate the total dividend to be collected in 4ht Qtr 2017 and total amount for full year 2017 vs 2016.
Dividend & Interest Income  for 4th Qtr 2017 = $40,576.95 This is about  $3696 lesser than  4th Qtr last year of $44,273
Total 2017 =  $185,623 vs 2016 of $195,547( down by -$9924 )

Thank You & Good Bye “ CROESUS Retail Trust “

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This is the 3rd company in my portfolio being privatized after Sim Lian and ARA Asset Management.  I have blogged about “ The Good or The Bad “ of privatization before (here ).
As I mentioned before “  Whether privatization is good or bad for shareholders, I’m sure it depend on your entry priceand in the eye of beholder.”

Q&A : Bitcoin

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What is Bitcoin ?

(from Wikipedia ) Bitcoinis a worldwide cryptocurrency and digital payment system called the first decentralized digital currency, as the system works without a central repository or single administrator. It was invented by an unknown person or group of people under the name Satoshi Nakamotoand released as open-source software in 2009. The system is peer-to-peer, and transactions take place between users directly, without an intermediary. These transactions are verified by network nodes and recorded in a public distributed ledger called ablockchain.

CPF-Investment Scheme – My Experience

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CPF-IS has been a hot and never ending topic since DPM Tharman made a comments in 2016 that “the scheme was not fit for purpose “ because over the last 10 years, more than 80 per cent of those who invested through the scheme would have been better off leaving their money in the CPF Ordinary Account.
He said that over the last 10 years, more than 80 per cent of those who invested through the scheme would have been better off leaving their money in the CPF Ordinary Account since the Ordinary account still give member a 2.5% interest.

The Importance of Behavioral Finance in Investment Decisions

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Finally , one of my favorite and top Behavioral  EconomistRichard H Thalerfrom University of Chicago won the 2017 Nobel Laureate in Economics , joining other top behavioral economist like Robert J. Shiller and  Daniel Kahneman  in the list of Nobel Laureate.
He has been recognized by many insightful research link to economic decision and psychology like Endowment Effect “ and “ Mental Accounting “ and also a writer of many best-selling books in economics and behavioral finance.
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