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

$STI ETF(ES3.SI)$   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

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 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

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

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

$Schwab US Dividend Equity ETF(SCHD)$   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]  

Given that uncertainty in the markets is rather high, a good earnings season would help instill some confidence in the markets. With banks having unrealised losses and facing the possibility of losses on mortgage loans (when borrowers default) due to the high interest rate environment, I think that good earnings results from banks would help give everyone confidence that the financial system is resilient and can withstand a degree of stress. A strong financial system is essential for a strong market, giving people the hope for the end of the bear market and the start of a bull market.

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]  

$VANGUARD INTL EQUITY INDEX FUND INC TOTAL WORLD STK INDEX FUND ETF SHS(VT)$  [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] 

$Schwab US Dividend Equity ETF(SCHD)$   [Cool]  dividends AND price appreciation? Yes please [Cool]  

As long term investors, it is important for us to identify long-term macro-trends as these dictate the direction the global economy would move in for the long-term. An aging and shrinking labour force: causes and a solution? According to macrotrends.net, birth rates are falling, death rates are rising and life expectancy is increasing. All these factors point to a single macro-trend — an ageing and shrinking workforce. Something that the semiconductor manufacturing industry stand to gain from. Chart of global life expectancy from birth. Source: marcotrends.net Chart of global deaths per 1000 people. Source: macrotrends.net Chart of global births per 1000 people. Source: macrotrends.net Fewer people entering the world, would lead to fewer people entering the labourforce in the future. Alth

$Schwab US Dividend Equity ETF(SCHD)$   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]  

$VANGUARD INTL EQUITY INDEX FUND INC TOTAL WORLD STK INDEX FUND ETF SHS(VT)$  [Cool]  It ain't much, but it's honest work [Cool]  

I recently purchased $VANGUARD INTL EQUITY INDEX FUND INC TOTAL WORLD STK INDEX FUND ETF SHS(VT)$ as I believe that it is a good way to attain the average yearly return of the global stock market at about 7%. This ETF is based on the FTSE global all cap index. This index is market cap weighted, which is something that I really like as it adds on to winners and cuts out losers without me having to sell and buy them individually.  This strategy would save me the trouble of adjusting international and US stock exposure ratios in my portfolio. Since it is impossible to predict the future precisely and accurately with complete certainty, a strategy that automatically allocates more resources to fundementally strong companies in the long-run would be

$Schwab US Dividend Equity ETF(SCHD)$   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.

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)

$VANGUARD INTL EQUITY INDEX FUND INC TOTAL WORLD STK INDEX FUND ETF SHS(VT)$ 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]

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