Showing posts with label Wealth Creation. Show all posts
Showing posts with label Wealth Creation. Show all posts

Monday, August 28, 2017


Dear readers, there are Six Good Ways to get rich:
1) Through inheritance
2) Through marriage
3) Investments
4) Win TOTO or 4D
5) Be an Employee and work
6) Be an Entrepreneur

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Saturday, April 29, 2017


Wealth Creation
In this digital era, we are in an age of what some call an age of "collective wisdom". Thanks to social networking platforms, blogs, apps, forums, the chorus of the crowd is pervading almost every aspect of society and that includes investing.

We now have blogs with authors giving their perspectives on stocks. We now have apps that update investors with news and update with regard to certain stocks. We now have website that group investors' discussion according to the name of stocks. Thanks to blogs and Youtube, analysts' views on certain stocks could now reach beyond their customer base: the whole world can now access the information with the click of the mouse.

Thursday, April 13, 2017

Random Musing from Tom K

I am an employee and I can identify the corporate rat race. Many have used the metaphor of a treadmill to exemplify the incessant pace of work. Basically most employees wake up early and work hours of overtime. The result is an imbalance of other aspects of life if one gets more of this rat race.

The only way to get out of the rat race is to be financially free via business and investments. A number of folks do enjoy being in a work they love and are decently rewarded though. Its great for them.

Wednesday, April 12, 2017


wealth creation
I was reading a book when I encountered the concept of “System” once again. I am always so familiar with Systems and Processes and was so adapt in it during university days, always scoring well in subjects involving intricate processes and systems. But more importantly, after university, I continue to believe that the concept of “Systems” need not be confined to what was taught in my university days, “Systems” theory is applicable to our everyday lives and in relation to the theme of this blog, I would like to pro-offer what a System of wealth creation looks like.

Tuesday, April 11, 2017


Wealth Creation
Many of us are employees with the main source of income being our employment income. This income is needed to support our living and it is the savings from our income, that is the portion of our incomes minus away all the expenditures which we could put together and decide what to do away with it.

Most of us save what we have left minus all the expenses and experts always advised us that savings are subject to the effect of inflation such that the monies we have left in banks (which earn very little interest rate) are not so much after some time due to inflation. We are always encouraged to invest but some choose the wrong investments, lose capital and end up worse that what he or she could be if he had just saved and not dabbled in investments.

Sunday, April 9, 2017


Wealth creation
I have been working hard at work and I am still considered a good employee, a good worker though I might not be the most perfect. These days, I have been grappling hard with a heavy workload and this workload would be increasing in breadth and depth over time. Hence I would be spending more time at work understanding more about the company’s business more in-depth. Being a man who is from an analytical background, I have not much of a problem in understanding and doing things revolved around KPIs, timelines (this sounds like a portion of a CV to be given to a potential employer), that is anything systematic; but the more difficult parts of a job is to deal with human issues, politics, and so on and so forth.

Thursday, February 9, 2017


As more and more individuals become financially educated, they seek more pathways towards wealth creation, not just from working hard to earn a living. Investing education firms have flourished and they span from Forex, Value investing to Technical analysis and momentum trading. Investors who wish to hone their investing skills often sign up for the investment courses so as to learn from those who have “achieved it”. Congrats to those who have actually profited from these investing courses.

Tuesday, February 7, 2017


Once in a while, we will read that some companies retrench their staff. For the retrenched staff, I feel for them and hope they will be able to get other jobs soon. Against the current macro climate, the government is encouraging all workers to broaden, deepen and diversify their skill sets. This is the right strategy as new industries will emerge and these necessitate new skills. The government has also launched the laudable SkillsFuture incentive to provide impetus to the national-wide upskilling movement.I think individuals may want to match their passions with the skills that they want to deepen their expertise in, e.g. cooking.

Monday, January 30, 2017

This stock has advanced over 10% since mid January 2017

On 10 Jan 2017, this stock closed at $0.70 before starting its another rally to reach $0.78 on 27 Jan 2017, the trading day on Chinese New Year eve, in the process effecting a good 11.42% rally. I used the word “another” as this stock has been rallying all along from $0.315 in November 2015 to the current price. This stock has its stock price multiplied by almost 250%, earning its well-deserved “multi-bagger” status among Singapore stocks.

Tuesday, January 24, 2017


There are more and more investing websites, platforms, forums, blogs and apps on the internet dedicated to the discussion of Singapore stocks. This is a good thing since more discussions will lead to more sharing of knowledge, opinion and insights about different Singapore stocks. This is important as it is risky for a retail investor to buy into a Singapore stock without too much knowledge or “homework” carried out. This is healthy to Singapore’s stocks eco-system as more retail investors take the path of self-empowerment towards their personal investing decisions.

Monday, January 23, 2017

66.3% increase, what is it?

Ever since I start working, beside focusing whether my stocks portfolio goes up or down, I am also focused on how a sedentary lifestyle behind a computer means to my health. For health is wealth. And if spending close to ten hours a day sitting behind a workstation is not enough, consider this: I also have to indulge in some good food on some workdays to escape from the stress and politics of worklife. I also feel the blues at times thinking that I am what Robert Kiyosaki termed as a “E” (Employee) quadrant. What are the results of this all? The result: increase in two aspects and a paring down in the physical attributes of my body! Haha you might have thought its about monies! Two areas increase of three attributes hence a 66.7%

Sunday, January 22, 2017


The corporate rat race is unrelentless and the cycle keeps going: spending too much time at work and worst of all, I wonder how many of us find pleasure in our work? And we come back home late at night, only to spend that little time left with our families and on our pursuits. And for some, despite giving the best of their time, energy and youth at work, they are laid off when the company is not doing well. And trapped in this daily hectic schedule with little time for our own selves, it is no wonder that many of us feel “trapped” in this rat race: wake up when the alarm clock sounds first thing in the morning, rush to work, work for eight to twelve hours a day and then rush back home to catch some sleep. The cycle continues and continues until one decides to opt out from the rat race either voluntarily and involuntarily.

Saturday, January 14, 2017


We are into the first two weeks of Year 2017. How is your working life so far? I asked as I believe most of us are employees and hence we spend a lot of time at work. I asked as most of us have one main source of income for which we spend most of our working hours at.

Wednesday, December 7, 2016


When it is December every year, I would review how much I have earned through the year and most important of all, how much I have saved through the year and whether the savings have met the savings targets set at the beginning of the year.

Wednesday, November 30, 2016


Though we have not come to December, but probably it is time to do a little review of my investment portfolio now and probably just “edit a little bit” of my portfolio where applicable when it comes to December. In December, the macro event for the stocks markets as the global financial community believes will be the interest rate hike decision by the US Federal Reserves and I am not sure how it might affect my portfolio. Alright, enough of my self-mumbling, let me share with you my investment portfolio for year 2016.

Saturday, November 26, 2016

Civil Servants’ Bonus: my research

The Public Services Division announced yesterday that the year-end bonus for civil servants would be 0.5 month. This bonus, together with the mid-year bonus of 0.45 month would bring the total bonus (over and above the 13th month salary) to 0.95 month for a civil servant. I am not a civil servant but every year I would look forward to the announcement of the civil service’s bonus as a guide to how much bonus I would be getting myself. This is reasonable since civil servants’ bonus are pegged to the performance of Singapore’s economy for which other employers reportedly might take reference to.

Thursday, November 24, 2016

Who wants to be a Millionaire?

In a global wealth report just released yesterday, Singapore’s wealth per adult now stands at US$277,000 in 2016 and this effectively means that Singapore is the seventh top economy in the world with the highest average wealth per adult. With USD $1 now equal to SGD $1.43, this means that an average Singaporean adult has around SGD $396,000 wealth. The same report also states the there are 150,000 millionaires in Singapore though on the other side of the scale, 18% of Singapore’s adult population has wealth below US $10,000, compared with 73% globally.

Friday, November 18, 2016

All retail investors should do this FIRST

It’s that time of the year when many of us review the resolutions that we have set for the year and see whether we have achieved the goals we set in various aspects of our lives. I believe one such aspect of life where many of us have set our goals in are our financial goals: how much we aspire to save or earn in this year.

Wednesday, November 2, 2016

Why Investing is your Greatest asset?

You read the title correctly. It is not investing in an asset but investing as an asset. You might ask how can investing be an asset? An asset is defined as something that puts monies in one’s pockets, according to Robert Kiyosaki. Do I mean the above is that investors leave his investment portfolio to his families and friends and this is considered as an asset? But as we all know, not all investments are profitable. Many investors may be better off leaving their monies in banks than incurring financial losses from their soured investments. Nothing is further from the truth.

Thursday, October 27, 2016

Secrets of Successful Investing REVEALED

I always think that time flies especially after stepping into the workforce. We are entering into November of the year. I believe a lot of us spend many of our best and working hours at work and it will be no surprise if many of us do not like or hate our jobs. It is a blessing for those who love their jobs, create value through their jobs to others at the same time and get handsomely paid for it all. Think successful entrepreneurs and professionals. For those of many who are in a job and stick to it though it does not pay much, there are only two things you can do where it comes to your financial expectations: lower your material expectations or look for alternatives.
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