In Investing, Would You Rather Build Skills or Take the Easy Route?

Recently, a programmer in Singapore shared his experience online after calling an electrician. The repair took just 40 minutes but cost him S$300, which translates to S$450 per hour. But look closer, high hourly pay ≠ high income. From an investing perspective, this looks a lot like high-volatility assets. Would you choose: A. To upskill yourself and take on side gigs? In investing: sharpen stock-picking ability to capture high-return stocks. B. To stick with your main job and easy way to get stable income? In investing: add high-dividend stocks, and reinvest dividends.

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avatarSpiders
09-17

What I’ve Learned from Investing and Trading and How It Mirrors Life

Investing and trading has always been more than just a way to grow my money—it’s a hobby, a challenge, and, in many ways, a mirror reflecting how I handle life. Sure, wins feel amazing. But it’s the lessons I’ve learned along the way—the missteps, the surprises, and the moments of clarity that have stayed with me the most. Lesson 1: Don’t Be Overconfident I remember the first time I really believed I had it all figured out: TLT. I was convinced the price was too low to ignore. “If the Fed lowers interest rates, this will skyrocket,” I told myself. I bought in, thinking patience was all I needed. TLT is still my largest holding today, and I’m confident in its potential but I’ve learned patience has limits. The price didn’t move as fast as I expected, and many days I’d watch it linger below
What I’ve Learned from Investing and Trading and How It Mirrors Life

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avatarxem
09-16
Build skills, it essential to learn and unlearn knowledge and keep on learning
Hi. Option B should be more crucial in comparison. High div stocks like banks and reits are cornerstone for long term investment. That will ensure stable and regular dividend even when you are retired from work. Nevertheless keep a small portion like 10-20% of your investment portfolio for option A to leverage on the volatility of certain reputable counters. Cheers. [Smile] [Smile]
Whether to choose A or B depends on when the investment journey begins. When I was young,  I held a day job and had side income from royalties and some odd one-off jobs. This left me with little time and motivation to explore the world of investment. When older, with retirement looming, there are no energy for side gigs and I began to be aggressive on the investment front. However, time is not on my side and I cannot take risks at this age. This led to choosing B by default but still doing A (stock picking and investment in growth stocks) as a minor satellite portfolio.  Cash Boost Lucky Draw Hey friend! Tap to help me out and get a mystery gift for yourself—check it out now! https://tigr.link/s/30CCk4I
Everything u choose A or B have its own meaning to it, especially with ownership of characters of each person is different. Some would choose A but doing B , some would be having best of both world … some would say results don’t lie but I would want to highlight something , those mistakes that each made will be the stones for further path , so till one day when we meet … our path cross and many will see each other there 🙏❤️🌹
Stick with main job and get stable income is easy… minus off your expectations of increment and bonus and ladder of corporate profile .
I would choose to upgrade my trading skill set ! It’s no mean feat to find a master and learn from . I wish I can faster get my hands on them and upgrade !!
does my $CONL 20260116 24.0 PUT$ (sold on 4 Apr 2025) provides better return than term deposit of 5% per annum? To calculate the rate of return (ROR) and annualized rate of return for my put option, i'll need to consider the premium received and the potential profit or loss. *Given Values:* - *Put Premium Received*: $420 - *Strike Price*: $24 - *Expiration Date*: January 16, 2026 *Rate of Return (ROR) Calculation:* The ROR formula is: ROR = (Profit / Investment) x 100% Since i sold the put option, my profit is the premium received ($420). The investment is the margin required, which is the strike price multiplied by 100 minus the premium received. *Margin Required*: ($24 x 100 shares) - $420 = $2,400 - $420 = $1,
avatarkoolgal
09-13
🌟🌟🌟I would adopt a hybrid strategy which is :  My main job to provide a stable income and add in side gigs like giving tuition to provide an additional income.  Plus   upskilling my knowledge in investing and invest in dividend ETFs to provide a passive income.  That way I have the best of both worlds. As Warren Buffett likes to say :  "Never depend on a single income.  Make an  investment to create a second source." He also said : "If you don't find a way to make money while you sleep, you will work until you die." Therefore my main job is my active income engine while my investments are passive income. @Tiger_SG @TigerStars
avatarSpiders
09-12

In Investing, Would You Rather Build Skills or Take the Easy Route?

Recently, a programmer in Singapore shared an interesting story online. He called an electrician for a repair that took just 40 minutes—and the bill came to S$300. Do the math, and that’s an eye-watering S$450 per hour! At first glance, it seems like a no-brainer: “Wow, high hourly pay = high income!” But if you dig a little deeper, you realize that high pay doesn’t always translate to high overall income or long-term wealth. This got me thinking about investing. In a way, it’s not too different. You can go the high-volatility route—spending time and effort sharpening your stock-picking skills to chase those exciting, potentially huge returns. Or you can stick to the “stable income” route—investing in high-dividend stocks and reinvesting dividends to grow your wealth steadily over time. Of
In Investing, Would You Rather Build Skills or Take the Easy Route?
avatarSachy
09-12
100% A. Love a bit of risk/reward. Brings a bit of excitement to life as well as sharpening a skill that will help you throughout life
avatarAN88
09-12
build skills
Surely my first choice is option A.  Investing is itself a life long skill and in order to maximise your returns, you need to build your own skillset, adapt to suit the situation and keep your antenna tuned omnidirectional.  Maybe, when you're too tired or busy, look for good dividend returns via option B or invest in ETF and Indices. Happy Investing!
avatarSN19
09-11
I will upskill myself in what is important and focus on what matters in my main job. The gig and main job aren’t the core — the what is important. Right now, the what is AI. If your skills and job are connected to AI, they complement A (gig) and B (main), while C becomes your transferable skill. In stocks, that means choosing companies with strong AI tech. From a trader’s perspective, it’s the same principle: the what is looking at fundamentals for long-term investing, the value is building skills (like AI) that keep paying off, and the time is knowing when to act — because investing in the right thing at the right time compounds both in career and portfolio. Tech and AI can now be applied in almost everything — the key is reapplying it in a way that’s meaningful to you. Try using AI l
avatarMHh
09-11
I would like to be greedy and have the best of both worlds— Afterall, why settle for one when you can have both. Sticking with my main job and getting a stable income is what gives me stability to continue to have the appetite to tap on high volatile but high return opportunities. By having a steady income, i know I will always have cash flows in that will help with my retirement planning. However, the high volatility and high return opportunities are the ones that will be the catalysts that propel my portfolio. In investing, risk appetite and risk management would be key. As I do consider myself young now with sufficient runway, I can afford to have a greater risk appetite and allocate a significant portion of my money into riskier assets with the aim of getting greater returns. Howev