Book Giveaway: My First Book

ETFs book from drgohhk

“Books are the plane, and the train, and the road. They are the destination, and the journey. They are home.” ― Anna Quindlen As I said before, there are three important things in life: “Have a kid, Plant a tree and Write a book!” I am privileged enough to write… Continue Reading

My USD portfolio performance in 2023

gray rolled asphalt road under cloudy sky

“Courage taught me no matter how bad a crisis gets … any sound investment will eventually pay off.” — Carlos Slim Helu The year 2023 has proven to be among the best years so far for my USD portfolio. Actually I am not happy when the market is up, during wealth… Continue Reading

Can Malaysians buy Singapore Saving Bond (SSB)?

Singapore saving bond

“Money grows on the tree of persistence.” – Japanese Proverb As a long term investor, I am very particular about asset allocation. Besides putting my money in EPF ( KWSP) voluntarily monthly to maximize to MYR100k per year, I also invest in USD denominated ETFs/bonds and SGD-denominated Singapore stocks and… Continue Reading

I am debt free now, what is next?

man jumping during sunset on a beach

“Debts are like children – begot with pleasure, but brought forth with pain.” Yes, finally, I am debt-free now after working for almost 22 years! Even though it might have taken me longer than others to be debt-free, I am happy that I have reached this financial milestone. The very… Continue Reading

The bear market is coming? Are you fearful at this moment?

The bear market is coming

“If you aren’t thinking about owning a stock for 10 years, don’t even think about owning it for 10 minutes.”- Warren Buffett “This bear market will be different! I know it, it is coming!” My friend, Mr. Tan who is a property developer repeatedly told us in our Whatapps investment… Continue Reading

Dividend from ETFs-Getting better Now

close up shot of a typewriter

Do you know the only thing that gives me pleasure? It’s to see my dividends coming in. -John D. Rockefeller There are a few surprises that happen to my USD denominated portfolio in 2Q 2022. As you know, I opt for VUSD and VWRD as my equities ETFs, both ETFs… Continue Reading

SGD/MYR is now 3.19, what can you do as a Malaysian?

“Time is more valuable than money. You can get more money, but you cannot get more time.”Jim Rohn The ringgit depreciated to its weakest level against the Singapore dollar (SGD) on Tuesday (May 24) 2022, after the exchange rate surpassed 3.1993. As a Malaysian, it is heart-breaking to see MYR… Continue Reading

Maximize EPF/CPF contribution to boost your retirement fund

“The price of anything is the amount of life you exchange for it.” – Henry David Thoreau I am once again reminded the inexorability of life cycle after attending Qingming (清明节) this year. Due to Malaysian MCO, the last time I came to my father’s tomb was 2 years ago. It… Continue Reading

How worried should you be while investing during a bear market?

young troubled woman using laptop at home

“The true investment challenge is to perform well in difficult times.” Seth Klarman Most investors hate bear market. No one likes to see their portfolio value drops during a bear market. But the truth is during wealth accumulation phase of your life, bear market might be a friend rather than… Continue Reading

My Portfolio Performance in 2021

person holding a smartphone

“I don’t look to jump over seven-foot bars; I look around for one-foot bars that I can step over.” — Warren Buffett As we are entering the year of 2022, it might be a good idea for me to write about my portfolio performance in 2021. I do not expect… Continue Reading