My Sweet Retirement Top 10 Financial Posts in 2018

We are finally in the last month of the year 2018! When I started MySweetRetirement website, I have never expected to make it so far. Given my busy work schedule, I only have time to do research and analyze stocks at night. Writing personal analysis of stocks allows some form of structured thinking and guidance towards my final decision whether to invest or not to invest in those stocks I found.

At the end of every month, I will review and update my stock portfolio. This allows me to have a quick overview of my investments and not over-allocating my monies into any single stock. In short, I am planning for a well diversified stock portfolio.

I hope you have enjoyed my posts so far. Likewise, I have benefited from your comments as well.

Below are the top ten posts in the year of 2018.

#1 My Personal Analysis of Singtel

My Personal Analysis of Singtel

#2 Why I Switched to DBS Multiplier Account

Why I Switched to DBS Multiplier Account

#3 Goodbye Suntec REIT

Goodbye Suntec REIT

#4 Fixed Deposit Promotions in October 2018

Fixed Deposit Promotions in October 2018

#5 Earn More Interest With DBS Multiplier Account + Singapore Savings Bonds

Earn More Interest With DBS Multiplier Account + Singapore Savings Bonds

#6 CIMB Bank 9th Birthday Fixed Deposit Promotion

CIMB Bank 9th Birthday Fixed Deposit Promotion

#7 My Personal Analysis of Silverlake Axis

My Personal Analysis of Silverlake Axis

#8 September 2018 Singapore Savings Bonds is 2.44%

September 2018 Singapore Savings Bonds is 2.44%

#9 Profit Update After A Month of Mining Ethereum

Profit Update After A Month of Mining Ethereum

#10 What To Invest Now?

What To Invest Now?

My Sweet Retirement Mid Year Checkpoint 2018

Time files as half a year of precious time has gone. This year, the U.S Fed has been raising interest rates, impacting the prices of REITs. On a positive note, there are opportunities as prices of REITs dipped slightly. It is unclear whether REITs can maintain their full year DPU but we shall monitor and see over the next few quarters.

Recently, I received my performance bonus at work. I have expected a lower payout as compared to last year. This is the first year I am on the role of a manager and I am glad I did well but did not exceed the expectations of my company. As a result of lower payout, I need to be cautious in deploying my cash into stock investments. Read More

My Sweet Retirement Annual Review of 2017

We have two more days before we say goodbye to the year 2017 and welcome the year 2018. As usual, this is the time where I reflect on the goals that I have set last year and also plan what I hope to achieve next year.

One thing I am glad is that My Sweet Retirement blog is gaining popularity and has survived more than 2 years. Gaining popularity is not really the objective of this blog. I started My Sweet Retirement to ensure that I have doing my due diligence in stock investing (My Personal Analysis on Stocks) and also financial planning (stock portfolio).

1. Achieve 15K of Passive Income (Not Met)

My total dividends collected this year was S$7,350.31 (Read more My Total Dividends Collected For 2017). What a disappointment. Most REITs are getting expensive with yield around 5% to 6%. As there are no major crashes this year, there lacks an opportunity to scoop up quality REITs at cheap prices.

2. Travel to at least 2 countries (Met)

As work gets more stressful, I was always looking forward to get out of Singapore whenever I can. I plan to cut down on travelling next year. The money saved from air tickets, accommodation and food can be invested for more passive income.

3. Drive to Work (Met)

I bought a new car somewhere mid of the year and has been driving to work since. Having my own transport certainly saves me a lot of travelling time. Expenses went up due to car loan, car park, petrol and car maintenance. They are still manageable.

I managed to squeeze in time after work to jog once or twice a week. Health is wealth!

4. Buy Gold (Not Met)

Gold prices have been high throughout the year and I will think it is foolish to jump in at this time. The disadvantage of holding physical gold is that we need to ensure the seal that comes with the gold bar is not broken else there will be some loss when selling the gold back. Gold coins with the high spread makes investing in gold coins non-lucrative as well. With the above considerations, I did not manage to land my hands on any gold.

What went well in 2017

1. My Wife Stock Portfolio

This year, I added two stocks which are Tai Sin Electric and SBS Transit to her stock portfolio. I am very conservative when adding stocks to her stock portfolio because she seldom tracks them and I am doing most of the tracking for her.

2. A Job Promotion

I was promoted to manager this year which I never blogged about. It was a promotion unexpected. As I have more responsibilities now, I also spend more time at work. Managing people is a totally different thing as I have to ensure my team is efficient and not just I am efficient.

3. Self Improvement in Stock Investing

Being determined to improve my knowledge in investment, I attended investment seminars and did a lot of self reading. I attended InvestX Congress 2017 By The Fifth Person which I felt was a really excellent event for investors to learn and share. With the knowledge I learnt, I did my personal analysis on various companies I spotted. I did a total of 6 personal analysis in 2017 of the following.

Why I Bought Into Mapletree Commercial Trust

My Personal Analysis of CapitaLand Commercial Trust

My Personal Analysis of Tai Sin Electric Limited

My Personal Analysis of Frasers Centrepoint Trust

My Personal Analysis of SPH REIT

My Personal Analysis of ISOTeam

I may not always be right in my stock analysis but I did my due diligence with my limited knowledge before I buy a stock!

Planning for the year 2018

1. 11K of Passive Income

I am not going to give up on this but as 15K seems a jump too far, I shall lower my goal slightly a bit.

2. Read (at least) 6 Books

If you have noticed, I have not done much book reviews this year. I have been so busy with my work that I did not have time to complete reading the books I bought. In fact, there are still two books sitting on my table untouched. Not all the books I read are related to investing though. Some are related to self improvement.

3. Contribute to SRS Every Month

I really need to set aside an amount for contribution to my SRS account. Similar to last year, I also did my SRS contribution at the very last minute which is this month. I shall set a goal to contribute at least S$500 to my SRS account every month in 2018. This is for the purpose of reducing the income tax I have to pay in 2019.

4. Jog (at least) twice a week

I still think I have not put in enough time to exercise. I really need to shave off some time from work and allocate those free time to exercise. Health is Wealth!

Last but not least, I wish all readers and fellow financial bloggers a Happy New Year in 2018!