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  1. vamjok

    2023 Investment Report Card.

    if buy and hold CSPX is better than VOO or SPY mainly because of the withholding tax, and also because CSPX is a acc ETF that does not re-distribute its dividend (better). It automatically use the dividend to buy more shares. So if intend to hold it for more than 10 years or more, CSPX is better...
  2. vamjok

    2023 Investment Report Card.

    your tactics reveals your situation. It is more for wealth preservation and slow passive income. most likely you are someone already hit your wealth goal, no debt and can throw letter in your job with zero worries. congrats, hope to reach your stage 20 years later when I retired.
  3. vamjok

    2023 Investment Report Card.

    The kind of company you becomes shareholder (aka their boss) in if you put your money in these ETF. way better than all kinds of shaddy fund they tried to sell to you, and best of all I bet none of them buy their own product with their own money.
  4. vamjok

    2023 Investment Report Card.

    to all insurance agents/bankers that sell ILP, trust me there is a special place in hell for scammers like you with zero conscience.
  5. vamjok

    2023 Investment Report Card.

    initial capital you can put in whatever amt you want. its like your own bank account. can just sign up for yourself at IBKR website. Payment is same as how you do a transfer your friend.
  6. vamjok

    2023 Investment Report Card.

    another of my most stupid move is to use UOB roboinvest. put in 11k now becomes 9k with the so call professional AI robo nonsense after 3 years. blame the market for lousy return. I blindly don't even bother to look at price and just buy these 2 ETF with zero financial knowledge beat them by...
  7. vamjok

    2023 Investment Report Card.

    ibkr as brokerage. CSPX: snp500 LSE ETF QQQM: Nasdaq100 NYSE ETF everything easily google
  8. vamjok

    2023 Investment Report Card.

    there should be really a special place in hell for insurance agent and bankers that sell those stupid products. pick up investment by myself and merely blindly DCA into index ETF like CSPX and QQQM (90:10). Investment return so much better when I do it myself and way much cheaper with 5 digits...
  9. vamjok

    2023 Investment Report Card.

  10. vamjok

    Australia 35C Sinkies grateful?

    In Singapore we call this Monday. Heat wave LOL....laugh
  11. vamjok

    [Sg] 36-year-old Singaporean Triathlete Choo Ling Er kena hit by car from her back while cycling, broke her spine in traffic accident on Christmas Day

    this lady is super fit.... few years ago i saw her strava.......I see her pace for running 42km is machiam run 2.4km under 10 min pace....
  12. vamjok

    [Video] - Jap youtuber picked up lots of blue jellyfish to eat at home

    he actually knows what he is doing, knowing what is protein toxin and cook it to denature it and it will loses its native activity = our stomach will treat it like any other cooked food.
  13. vamjok

    Things you should never do on an airplane

    cannot la...some flight above certain attitude outside can be -50, inside the plane u will still cold like fuck. dun use u sure shiver
  14. vamjok

    [Sg] - Woman lying on the floor at AMK MRT station platform, unconscious or dead?

    i saw a video on facebook a lady of same dressing tried opening the MRT door while its moving. then say she trying to die. suspect on drug
  15. vamjok

    Serious PAP's New Astor 30 Missile Defence System Now Ready!! Can Kill Flying Oppies Up To 70 km Away! Oppie Samsters Now Scared?

    to make sure they cannot dismantle current plane as spare parts. so must whack everything
  16. vamjok

    Serious PAP's New Astor 30 Missile Defence System Now Ready!! Can Kill Flying Oppies Up To 70 km Away! Oppie Samsters Now Scared?

    got....our lousy wifi and 5g network. u fly in halfway will jammed end up no signal. that is our best defense
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