Head, Heart and Habit

Head Heart Habit

Recently, I came across an article in SIM University newsletter. SIM University’s education philosophy was mentioned which are three H’s – Head, Heart and Habit.

Head: Professionally competent and job-ready, with strong applied skills

Heart: Socially conscious with a desire to make positive changes in society

Habit: A self-directed learner with strong work ethics and values.

Being a SIM University graduate myself, the education philosophy are really meaningful to me and I reminded myself constantly of the above values in my work and in stock investing.

1. Head

I cannot say I am professionally competent in stock investing because this is not my full time profession. I relate this core value to the knowledge I have accumulated throughout my journey in stock investing. By applying the knowledge I accumulated, I screen for stocks that meet my criteria of a good stock (Growth + Dividend).

2. Heart

We must not become arrogant for our win in selecting the winning stock. I know some investors became arrogant when they make profits in stock trading. At work, we should also not become arrogant when we climb up the corporate ladder. We should lend a helping hand whenever our juniors need help.

By starting this blog My Sweet Retirement, I hope to share my stock investing journey and learning with readers out there. I also pledge to donate to a charity organisation when I am not so financially tied up with all the high cost of living expenses. I am glad that I now donate to a charity organisation through giro monthly. This is my way of contributing back to the society.

3. Habit

When I started my journey in stock investing in 2008, I lost all of my investment which amounts to almost a total of 6K. It was pure speculation. I lost it all. Having learnt my lesson, I started reading books about value investing and attended stock investing courses. I learnt that stock investing needs patient. Today, I have accumulated a stock portfolio  that gives me a return of 5.5% dividends annually.

I am still constantly learning and growing my stock portfolio.


  1. Hi Sweet Retirement,

    the 3H factor is great! Good to hear that charity is one impt factor for u.

    Losing early and small is always good.

    Also like that you mentioned patient. To add, temperament is very IMPT too! Patient can only means you wait longer, but if ur portfolio drop 50% one day and it amount to huge losses, u need the right temperament to be still able to use your “HEAD” approporiately.

    Stock portfolio of certain return is only accurately justifiable over long term at least 15 years. The last 7-8 years is not an accurate reflection of reality where market were clearly manipulated to produce the ballooned investment yield.

    Just my humble opinions n hope it helps in anyway possible.

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