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Tan Kel Vin

Been investing since 2017, likes to compare credit cards, phone plans, insurance during free time just to squeeze out $1

Tan Kel Vin

Youtube Educationer at Kelvin Learns Investing (@ahvin2020)

About

Been investing since 2017, likes to compare credit cards, phone plans, insurance during free time just to squeeze out $1

Credentials

Youtube Educationer at Kelvin Learns Investing (@ahvin2020)

Tan Kel Vin

Youtube Educationer at Kelvin Learns Investing (@ahvin2020)

  • Answers (17)
  • Questions (1)
  • Reviews (0)

GrabPay Card

Credit Cards

Cashback

SG Budget Babe

Check out https://www.whatcard.sg/?q=grab for the list
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Investments

Personal Finance 101

Personally, I feel it's much better (and cheaper) to just read Seedly, and watch those personal finance Youtubers like: Andrei Jikh: https://www.youtube.com/channel/UCGy7SkBjcIAgTiwkXEtPnYg Graham Stephan: https://www.youtube.com/channel/UCV6KDgJskWaEckne5aPA0aQ (or even mine if you want: https://www.youtube.com/ahvin2020) Hardwarezone forum: https://forums.hardwarezone.com.sg/money-mind-210/ Reddit: https://www.reddit.com/r/personalfinance/
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Investments

Stocks Discussion

COVID-19

Ask yourself these questions. - Do you need the money now? - Did the reason for buying your stocks changed? - Will it recover in the long term? - Overall, if you do not need the money now, and you still feel your stock has fundamentals and will recover, rather than pulling out, it's time to buy more as you will be able to benefit from this "special discount" when it recovers.
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Stocks Discussion

Investments

Interactive Brokers

FSM One

SAXO Markets

SGX

The Fifth Person

NYSE (New York Stock Exchange)

If you want to try trading. Absolutely try in a test account first, otherwise you are guaranteed to lose your capital. Check out YouTube tutorials on how to day trade. Learn the basics from babypips.com. Only trade for real if you manage to consistently produce results in your test account.
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Investments

FIRE Movement

Stocks Discussion

STI ETF

ETF

S&P 500 Index

This portfolio is to achieve these: - match market returns : of 8-10% on average - lowest possible fees : 0.1% to about 0.5%, compared to mutual fund which is at least 1% - no need to manage investment: fund self cleanse by removing stocks which no longer fit to be in a fund and replace with another better stock The local + international index will make it more growth portfolio. The bond index will make it more income portfolio. Personally I modified the fund to be as such: - local fund: Removed. STI ETF is very bad as banks as telcos has a very large percentage in it. Hence it is not as diversified as S&P. Furthermore, I am not convinced Singapore's index will outperform US index. - International index: I use IWDA + EIMI. Both reinvests dividends so i do not have to manage the dividends. The 2 of them covers developed (IWDA) n emerging (EIMI) markets. So I have the broadest diversification possible - Bond: Removed. Our CPF acts as a bond already. Also, I have long time horizon to invest, hence i would sacrifice stability of a bond which gives 3-4% to get a higher return of 8-10% from international index funds
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Investments

Online Brokerages

Stocks Discussion

S&P 500 Index

NYSE (New York Stock Exchange)

Check out the comparison: https://financialhorse.com/stock-brokers/ Personally I use Interactive Brokers even though they have a 10USD commission every month. You can also consider Saxo which is 0.12% commission of your portfolio.
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Economics

Stocks Discussion

Investments

It will cause a rally, you will notice the market has been going up the since Tuesday. Whether it is temporary or long term, it's all hindsight, aka no one knows
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Investments

ETF

Interactive Brokers

S&P 500 Index

! Comparing side by side in Google Finance, VUSA seems to perform slightly better than VUSD. VUSA: Listed on US Exchange (30% withholding tax) VUSD: LIsted on London Exchange (15% withholding tax)
Answer image preview
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DBS Multiplier Account

Standard Chartered JumpStart Account

You can check out this blog by seedly to figure out which is best for you: https://blog.seedly.sg/best-savings-accounts-singapore/ Here's their tool to help you decide: https://seedly.sg/tools/savings-account-calculator
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COVID-19

Investments

Stocks Discussion

Savings

If you plan to enter the market, any plunge is good to enter. Set a target price which you want to buy, then buy as long as it hits it. Then with this you will have 2 scenarios: - drops even more: buy even more at better discounts - price increase: you have already a good position compared to those who dare not buy on a once in 10 year discount Compare with the hold back strategy: - drops even more: dare not buy - price increase: research found that the best recovery comes after a crash, you'll be missing on the best recovery of your lifetime That research: https://www.jpmorgan.com/securities/insights/the-beauty-of-doing-nothing How to invest in a market crash: https://youtu.be/Eaz42HYPp58
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