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Making data driven investing decisions
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Disclaimer
This is a site to publish my findings and research which are based on data science to aid you in your decision making process for investments in stocks and property, particularly in the Singapore market. This site may also contains affiliate links which I may receive a commission if you press on these links.
Please take note that all data and information provided on this site is for informational purposes only and do not represent investment advice. Posts presented are purely representations of my work. There is no guarantee on the accuracy, completeness, suitability or validity of any information on this site. Please consult a financial professional for professional financial advice.
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Can the Average Singaporean Really Retire at 40 With $1 Million?
I recently came across a survey suggesting that more Singaporeans are aiming to accumulate more than $1 million and retire by age 40. At first glance, this sounds ambitious but achievable. After all, Singapore has one of the highest household wealth levels in the world, CPF balances compound over time, property prices have appreciated significantly, and investment knowledge is more accessible than ever. But it got me thinking: How realistic is this goal for the average Singap
datascienceinvestor
Jun 15 min read
Which FIRE Is Actually Suitable for You?
Over the past few years, FIRE (Financial Independence, Retire Early) has become increasingly popular. But most discussions around FIRE assume it is a single destination. In reality, FIRE is not a fixed outcome. It is a function of: your life stage your asset structure and more importantly, your liquidity This raises a more useful question: Which version of FIRE is actually suitable for you given how Singaporeans build wealth? The Starting Point: FIRE Is Just a Formula Most FI
datascienceinvestor
May 34 min read
Your Career and Your Home Are Not Separate Decisions. They Shape Each Other More Than You Think.
We often talk about career planning and housing upgrades as if they sit in separate compartments. “Should I take this higher-paying job?” “Should we buy a $2M or $2.5M home?” Most people make these decisions in isolation- evaluating salary, commute time, mortgage affordability, or interior space. But in reality, these decisions interlock . One impacts the other far more than most people realise. Over the past few months, as I discussed with like-minded individuals about long
datascienceinvestor
Nov 30, 20254 min read
FIRE via Bitcoin Compounding
Everyone heard of the eighth wonder of the world- compounding. So what happens if you take the asset with one of the best CAGRs in the...
datascienceinvestor
Nov 10, 20243 min read
Singaporeans Are Saving Less
When you look at the recent statistics, it's a little alarming that Singaporeans are hitting rock bottom in savings rate in recent years....
datascienceinvestor
Oct 31, 20243 min read
A Simple Table to Visualize Your Number of Years to Retirement
It's usually not easy for you to visualize how far away are you from your retirement goals. Hence, I thought of putting some simple data...
datascienceinvestor
Jun 16, 20243 min read
Are You Planning Your Retirement Right?
I was watching this CNA documentary titled "Tips On How To Calculate & Reach Your Long-Term Saving Targets" last weekend. In this...
datascienceinvestor
May 5, 20244 min read
Can The Average Singapore Household Achieve Millionaire Status?
Being a millionaire seems to be the pinnacle of financial success for many of the average person on the streets. Being one of the richest...
datascienceinvestor
Mar 24, 20243 min read
Maximizing Your Annual Investment: Strategies to Grow Your Money for Retirement
For any financially savvy person, managing an annual investment plan is key. Beyond putting aside funds for mortgage, living needs, and...
datascienceinvestor
Nov 19, 20235 min read
The (Almost) Complete Guide to Achieving Financial Freedom
For many, the main purpose behind investing is to eventually achieve financial freedom. In the world of personal finance, financial...
datascienceinvestor
Oct 14, 202311 min read
How am I building my retirement portfolio?
It might still be many years before I get to retire. However, it is important to get started early for time to be on your side (think...
datascienceinvestor
Aug 12, 20234 min read
Can your portfolio survive a black swan outcome?
When you are making retirement plans based on your portfolio results, it always pays to be a pessimist rather than an optimist. This is...
datascienceinvestor
Apr 9, 20234 min read
Shifting your investment strategy at 40
It's worthwhile to note that there isn't usually one single investment strategy to use throughout your life. At different stages of life,...
datascienceinvestor
Mar 19, 20233 min read
Planning your way to Coast FIRE
Last week, I wrote an article on the importance of savings and emphasis that prioritizing savings is often a neglected topic. In that...
datascienceinvestor
Mar 5, 20234 min read
Saving is more important than investing for most people
I feel that not enough has been mentioned about saving money. For most personal finance articles, the focus has always been how to invest...
datascienceinvestor
Feb 26, 20233 min read
Portfolio 2022 Review- What am I doing in 2023
What a year for the market. Wall street ends 2022 with the biggest annual drop since 2008. It's a tough year for my portfolio too. Here's...
datascienceinvestor
Jan 1, 20235 min read
This can help you determine how successful you are in your retirement plans
One of the bloggers (Of Dollars And Data) I followed published an interesting article this week. It's about how much growth you can...
datascienceinvestor
Dec 3, 20222 min read
Inflation may be a retirement dream eater but you should stay the course
The inflation situation in the US does not seem to slow down with data showing that it has hit 8.5% in March. This is a new high in four...
datascienceinvestor
Apr 16, 20224 min read
Want to retire early? Read this
More and more young people are now considering to retire early, or rather pursue F.I.R.E (Financial Independence, Retire Early). In a...
datascienceinvestor
Nov 15, 20214 min read
Glide paths (retirement)
If you are preparing for retirement and haven't heard of glide paths, you should take a pause here and read this article. Glide paths...
datascienceinvestor
Jun 16, 20213 min read
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