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And I thought Covid-19 was bad enough...

As I type this blog post, the Americans and Israelis are one month into their war with the Iranians. The Straits of Hormuz is occasionally shut, but reopened whenever the Iranians “feel good.” From news reports, the strait is either opened to Iran’s allies or to tankers that have paid a hefty “toll fee” of up to USD 2 million for safe passage. Imagine this… if someone paid you 2 million dollars a day (and who knows how many tankers pass through daily), would you suddenly open up the strait, return to normal, and collect nothing? Probably not. If someone is willing to pay, there will always be someone willing to sell. Clearly, the strait is being held hostage. Before the war, about 20% of the world’s oil passed through it. If this issue is not resolved, the global economy will take a serious hit. I’ll leave out the detailed facts and figures in this post and instead focus on the possible outcomes—and what you can do to take advantage of this situation. I call this an opportunity beca...
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My Epic Fury Anyhow Buy Strategy

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  There you go! If you chance upon this blog, this might be something interesting to get you started. Otherwise, we will come back again in 5 years time and complained "WHY I DIDN'T BUY MORE???" Should have, could have and would have... War is bad and people die from battles but life goes on and we try our best to make the best out of everything that we can lay our hands on. Good luck with this! This is not a financial advice. Just sharing my plan for investment if if if the market falls another 20% from here. This post is time sensitive and this post and blog is based on my personal experiences thus the naming "Anyhow Buy Strategy". Don't take things too seriously. 18 March 2026 (Stock Price) GOOG - $309, NVDA - $182, AZMN - $215, META - $622, MSFT - $399 Let's check back again in years to come or at least after the war ends...
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Road to 1 Million! Are you one of them?

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The Million-Dollar Question: Are You One of Them? Based on the 4% rule, if I have USD 1,000,000 invested and it generates an average return of 4% per year, I can withdraw USD 40,000 annually—about USD 3,333 per month—while preserving the value of my capital over the long term. If USD 3,333 a month is insufficient for retirement, the solution is straightforward: Accumulate more than USD 1 million, or Achieve a higher sustainable return. There are no shortcuts—just arithmetic. Now, consider geography. If I take that same USD 3,333 and spend it overseas, the purchasing power changes dramatically. In countries with lower living costs and favourable exchange rates, this monthly amount can stretch much further. What looks modest in Singapore can feel abundant elsewhere. Suddenly, the idea of retirement transforms from survival to choice. On paper, it looks like the perfect plan. But imagination without action leads nowhere. My own journey started nine years ago. Yet real actio...
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5 Years Good Service Medal

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  If investing and trading for 5 years earns me a medal, I will gladly wear it. The photo above shows a SAF Good Service medal. If you have served your national service well and you went through your NS-men reservist diligently, you will be awarded with this medal 100%. The criterial is easy, you need to perform your NS duties with a positive attitude with satisfactory service, be competent during in-camp training and provide meaningful contribution to the SAF. Sounds simple enough but if the same requirement is used on the world of investing and trading, getting a Good Service Medal might not be as easy. Simply showing up is not good enough.  
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I am half way there... 5 more years to go! My goals for 2025/2026

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Today is 15 August 2025... I am starting to put this on record before the actual anniversary day, 22 August 2025. I want to have more room to write about my 2024/2025 journey and there is so much to share. I started my trading and investing journey almost 5 years ago during the turbulence times of Covid-19. Not only has this journey change my way of living but it has also allowed me to take a step back from my daily life to constantly reflect about the life I want and how I should live it. Recently, I stumbled upon a YouTube video, Financial Freedom is Easy, after you learnt this  which is about business marketing and the creator mentioned about Time Freedom vs Financial Freedom for his "lifestyle business". He mentioned that financial freedom is what everyone is aiming for but actually it is time freedom that they are looking for. I pondered about this for a moment and his words does hold some truth. You see, most of us live through the Singapore Dream where we go to school,...
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Thinking too much...

We are our own worst enemy. Humans think too much. It took me four years to work on my financial health — four years of compounding interest, four years of dreaming about early retirement, four years of procrastination. Thinking back, did I know I needed to take immediate action? Definitely, yes! So why did it take me four years to finally get things going? The answer is simple: priority . Investing simply wasn’t my priority. It was more of a want than a need . 🏜️ A Perspective on Priority Imagine being stranded in a scorching desert with no source of water. Not a sip in three days — and soon, you’ll die of thirst. Your body will be so dehydrated that you'll be too weak to move. Hallucinations will set in, and eventually, you’ll fall into a coma and die a slow, painful death. At that point, water isn’t just a need — it becomes your only priority . Now, imagine you find a broken bottle with some liquid residue inside. It could be dew, rainwater, or something unknown. Wou...
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"Finally... I want to start my investing journey, what should I do?"

“I get asked this question a lot: What should someone do when they’re ready to start investing?” It’s a great question—but one that can feel overwhelming. There’s just so much information out there, and diving into it can be intimidating. Most people start with one simple goal: to grow their money and improve their financial situation. While that’s definitely a solid reason, it’s just one of many. Others include beating inflation, retiring early, or building passive income streams. The truth is, the motivation to start investing is deeply personal. Everyone has their own reason—something compelling enough to push them toward that first step. And that first step? Don’t underestimate it. Many people never take it. The decision to start investing can’t be forced. It has to feel right. Like eating, drinking, or sleeping—no one needs to remind you when the time comes. You just know . We often hear the phrase: “Action speaks louder than words.” That’s true, but when it comes to investing, ...
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