Monthly Archives: December 2019

STI movement in 2019

The Straits Times Index (STI) was moving up and down like a yoyo in 2019. End of Month STI Change over previous month Dip from high happening in the month Start 2019 3,068.76     January 3,190.17 3.96% Dip February … Continue reading

Posted in Financial Management

Looking back at 2019

The economy We started 2019 with uncertainties. The major ones were the US-China trade conflict and the on-going exit of United Kingdom from the European Union (Brexit). The world was seeing an economic slowdown with most countries trying to ease … Continue reading

Posted in Life Journey

How was my family expenditure for the year – 2019?

It is the end of the year. For 2019, we have tightened our belts and spent less in face of slower economy. We spent 22.7% less compared to 2018. I tracked big-ticket items over the year. The following table shows … Continue reading

Posted in Financial Management

Towards Zero Waste Nation

This National Environment Agency (NEA) initiative – Towards Zero Waste Nation – is a step in the right direction. Government grants are available to support ground-up initiatives that drive waste reduction and recycling in any of the three key waste … Continue reading

Posted in Social Issues

Electricity and water usage reduced in 2019

Electricity and water usage from January to December 2019 came down when compared with 2018 figures. Electricity was down 5.0% and water usage was down 4.5%. January to December consumption       2018 2019 Change Electricity (kWh) 2,220 2,109 … Continue reading

Posted in Life Journey

Investing in Retail Bonds and Preference Shares

I had invested in 4 retail bond counters and 1 preference share counter listed on the Singapore Exchange (SGX) during the Initial Public Offerings (IPO). They did well. The market value is currently 3.28% above IPO cost. The overall return … Continue reading

Posted in Financial Management

Outcome of Investments in 2019

I was apprehensive over the state of global economy at the start of 2019. I decided then to be cautious in investing this year. In fact, I sold off four unit trusts to reduce exposures to risky assets. The two … Continue reading

Posted in Financial Management

Spring Cleaning starts early

Today, I started cleaning all windows of my home. This is the first step of spring cleaning for the Chinese New Year. I spread out the work over several weeks before the Chinese Year. I am of an age that … Continue reading

Posted in Life Journey

Resolutions set at the start of 2019

Towards the end of 2018, I wrote that I would be making some resolutions for 2019. Some resolutions are specific and results can be measured. Waste less – water, electricity, paper towels Write Volume 3 of Living Investments Less screen … Continue reading

Posted in Life Journey

After the dust settles, back to fundamentals

We know that Brexit is going ahead and President Donald Trump had decided to withdraw the threat of new tariffs on China export to the US that was intended to take effect on 15 December. This knowledge impacted the stock … Continue reading

Posted in Financial Management