Here is how I would decide how many stocks to hold: As all matters regarding personal finance, it would depend on the individual. A number that would be suitable for one person may notbe suitable for another.  1) Risk tolerance: How are you able to take loss? Are you fine with losing 100% of your investment? [Thinking]  Or is any number in the red going to give you sleepless nights?[Gosh]   Diversification with more stocks would reduce concentration risk but would likely reduce your upside. After all, fortune favours the bold! 📈[Miser]   2) Investing skill and experience: Are you an expert in your field, allowing you to find market opportunities that the average person cannot spot? [Thinking]  How long have you been invested in the sto

As a dividend investor, it is quite curious be heavily invested in a broad market ETF instead of a dividend focused ETF like $Schwab US Dividend Equity ETF(SCHD)$ , $Vanguard Dividend Appreciation ETF(VIG)$ or $Vanguard High Dividend Yield ETF(VYM)$ . I decided on a portfolio allocation of: - 50% $VANGUARD INTL EQUITY INDEX FUND INC TOTAL WORLD STK INDEX FUND ETF SHS(VT)$   - 50% dividend-growth ETFs I did this for a few reasons: 1) To diversify into international markets, being able to capitalise on emerging markets as well as developed markets. This allows me to lower my risk as a 100% e

My 2023 investment decisions in review: 1) My choice to purchase ETFs as the bulk of my portfolio was and is still a wise decision. It allows me to readjust my holdings according to a set of rules without buying or selling any stock, saving money from transaction costs. [Miser]   In addition, it is done automatically every quarter. This saves me time from analysing stocks and keeping up to date with related stock news. [Cool]   Although this strategy would mean underperforming or keeping up to pace with the market, it would save me my most precious resource - time. For those who aspire to attain higher than market returns, careful stock picking from deep analysis would still be the way to go. [Happy]   2) Speculation in hindsight

Yes, here's my point of view: I mainly follow financial advice from Youtube as the video format tends to be longer in duration and can therefore delve deeper into the topic discussed.  I prefer videos that are evidence-based and with little bias towards their holdings. The topics of videos I watch are usually about the macroeconomy or about investment concepts such as margin trading and risk managememt. These help me to better understand the macroeconomy and learn about financial concepts. [Miser]   Occasionally, I would watch videos on portfolio reviews to get inspired [Happy]  . However, by their very nature, it is impossible for financial advice from Youtube or TikTok to be the best as everyone's personal financial situation is different. Fin

$VANGUARD INTL EQUITY INDEX FUND INC TOTAL WORLD STK INDEX FUND ETF SHS(VT)$ An update on my VT position [Cool]   I believe that slow and steady is the way to wealth[Miser]  

A must-do for Chinese New Year is to gather for a reunion dinner. After all, it is very rare to have a time when almost everyone is free to meet for a meal together and catch up on each other's lives. [smile]

$VANGUARD INTL EQUITY INDEX FUND INC TOTAL WORLD STK INDEX FUND ETF SHS(VT)$  [Cool] A "buy the whole world" strategy[Cool]   Why spend time trying to pick the best apples, when you can buy the whole apple tree[Cool] 

Day 8: Fortunately, I have not. [Happy]   Here's 3 reasons why: 1. I have done my due diligence.  I deeply understand the stocks and ETFs I invest in. I am comfortable with their growth and risk management plans, allowing me to sleep comfortably at night. [Grin]   2. I made sure that the risk I take is within my risk appetite. I have a long investment time horizon and would have more time to recover from sudden unexpected losses. I use only funds that I do not require in the short term and am comfortable with losing 100% of it.   3. As a dividend investor, I am more concerned about the stability, sustainability and growth of dividend payments rather than the change in stock price. As long as company fundementals&nbs

$Schwab US Dividend Equity ETF(SCHD)$   Day 7: A common misconception is that when the stock price of a company goes down, the dividend payment would likewise go down to maintain the dividend yield percentage. However, different companies would have different dividend policies. Some pay a percentage of their revenue, some pay a predetermined amount and may slowly increase it with time etc. So it is important to do your research into comapnies you are investing in for their dividend payments and determine if their dividend payout policy is one that you are comfortable with. Remember to do your due diligence and happy investing! [Happy]  

$Schwab US Dividend Equity ETF(SCHD)$   Day 6: An update on my SCHD position, hoping to snowball my dividends [Cool]  [Miser]  

$STI ETF(ES3.SI)$   As a dividend investor, I am considering a purchase in ES3.SI for its relatively higher dividend yield of about 4%.  It contains many companies that have a strong moat in Singapore such as $DBS GROUP HOLDINGS LTD(D05.SI)$  ,$SEMBCORP INDUSTRIES LTD(U96.SI)$  and REITs that hold prime real estate within and outside the country.  With the US Central Bank begining to consider rate cuts, I am confident that REITs would be able to refinance higher interest rate loans for cheaper and allow for more sustainable future development and growth. With that tangent aside, I like the idea that I would be able to

$Vanguard Dividend Appreciation ETF(VIG)$ Day 5: I love VIG for its methodology of choosing companies that have consistently grown their dividends for 10 years. This shows that the companies have strong confidence in their ability to pay shareholders. These companies usually have a high profit margin and therefore are able to continue to increase their dividend payouts even in more difficult economic periods.  These companies are also unlikely to cut their dividends as they are conscious of the types of dividend-loving shareholders they attract and how they would react to a cut in dividend payout.  Remember to do your due diligence and happy investing! [Happy]  

$Schwab US Dividend Equity ETF(SCHD)$   Day 4: I would be loading up on SCHD soon as they are at a low P/E ratio of about 15.  As many people favour growth stocks in anticipation of rate cuts, I believe that large-cap value stocks would continue to be undervalued and is a buying opportunity.

$Schwab US Dividend Equity ETF(SCHD)$   Day 3: Today was a good day for SCHD [Happy]  I am documenting my journey with these posts [Cool]  

$Schwab US Dividend Equity ETF(SCHD)$   Day 2: Sometimes people ask me why do I invest in US dividend ETFs/companies when I have to pay a 30% tax. It is because it is something I'm willing to pay in order to receive dividends from these high quality companies (that usually have international sales).  Buying an accumulation fund would defeat the purpose of my goal of living off the dividend payments.  Buying and selling growth stocks/ETFs would probably yield higher returns but I wouldn't want to be in a position where I have to sell when the market is down, having peace of mind that dividend payments would most likely continue to be paid out despite of market conditions make me feel more confident in my

Day 1: Just bought 7 shares of $Schwab US Dividend Equity ETF(SCHD)$ , I plan to continue to load up on this ETF to get those DIVIDENDS [Miser]  [Miser]  [Miser]   It's the slower path to growing wealth, but I prefer it this way with a lower volitility. Also, I love the fact that I can possibly live on dividend payments in the future without selling the initial capital [Cool]  [Cool]  [Cool]   For those worried about inflation: the dividends are able to grow and (hopefully) at least keep up with inflation[Sly]  

$Schwab US Dividend Equity ETF(SCHD)$   My goal with investing is to generate a passive income stream that I would one day be able to live off.  I personally think that SCHD is the ETF for me to achieve my goal. It invests in large capitalisation, value stocks that tend to have good cash flow and lower volitility. The dividend payouts are consistent and significant at about 3%.  Furthermore, it has a high 5 year dividend growth rate of above 10%. With dividends reinvested, I believe that I would reach that goal one day.  Slow and steady wins the race! [Cool]  

No I will not be investing in Bitcoin Spot ETFs for several reasons: 1) If I were to want exposure to Bitcoin, I would simply purchase the cryptocoin myself instead of an ETF with an expense ratio that reduces my profit. 2) The idea of investing in a currency for growing wealth, albeit fiat or crypto, does not make sense to me. It would be akin to me wanting exposure to the US Dollar or the Japanese Yen. Currencies are not income generating and their value is equivalent to the demand for the currency. Since their value is not tied to something concrete such as a product or service, I think that the value of bitcoin is purely speculative and has no place in my portfolio. This is just my opinion and is not investment advice. You should perform your own research before purchasing any sec

1. $Microsoft(MSFT)$   2. $Pepsi(PEP)$   3. $MasterCard(MA)$   4. $McDonald's(MCD)$    5. $Broadcom(AVGO)$   6. United Health (UNH) 7. NextEra Energy (NEE) 8. Caterpillar (CAT) 9. Abbvie (ABBV) 10. Realty Income (O)