Singaporean Talks Money: November 2021

Sunday, 28 November 2021

How much fiat cash VS stablecoins are you holding? | How my allocation is

I saw an a great article by Investment Moat recently on stablecoins where he broke down the different types and the risks involved. I found it a very interesting topic as the interest rate is really much more attractive compared to the traditional banks. How much of your portfolio are you holding fiat and are you moving them to stablecoins? I started asking myself this after seeing how stablecoins are earning a huge interest compared to fiat. Of course, this is not a recommendation for any actions as there are certain advantages to holding fiat as well considering the primary medium of exchange for goods are still in fiat. I am sharing more of my experience and what I plan to do on my allocation.

Why hold fiat?

Holding fiat and having liquidity for it is important as it is still what we use on a daily basis for purchase of food, necessities and paying our bills. It's still very important to have a certain amount of fiat depending on your circumstances for example if you have a family that depends on you or if you have mortgages and debts to pay, you will need a larger pool of fiat available for usage.

We usually hold our fiat in banks for example in SG we usually have them in DBS/POSB/OCBC or UOB. In Singapore, your deposits are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law.

In the event a Deposit Insurance (DI) Scheme member bank or finance company fails, all of your insured deposits with that member are aggregated and insured up to S$75,000 by the Singapore Deposit Insurance Corporation Limited (SDIC). - Taken from https://www.sdic.org.sg/

I am sure you have heard of concerns over inflation and the Fed printing money. Chicken Genius has also mentioned in his recent video on the increase of money in the system know as M1, the M1 money supply is composed of Federal Reserve notes—otherwise known as bills or paper money—and coins that are in circulation outside of the Federal Reserve Banks and the vaults of depository institutions. Paper money is the most significant component of a nation’s money supply. From 2020, there has been an exponential increase in the M1 supply.

Hence some say to invest your money especially since the supply of fiat is increasing at such a rapid pace, your fiat will in the long run decrease in value and investing it allows you to keep up or even grow your money. I do make sure that I have enough fiat on hand for my daily necessities and 6 - 12 months expenses or salary depending on your circumstances, for me, I keep 6 months of expenses in my bank and for the rest, I invest them.

Why hold stablecoins?

I came across the term stablecoins when I started dabbling in cryptocurrencies in late 2020 but I didn't really hold stablecoins until I came across Hodlnaut which pays me interest on the stable coins.

I hold fiat-backed stablecoins (USDC) because I already have an emergency fund built up and also some cash being saved up monthly. With the excess fiat, changing it to stablecoins allows me to earn a much higher interest than leaving it in the bank however I like to emphasize that stablecoins are not insured by the SDIC and carry some form of risks. Stablecoins are cryptocurrencies that attempt to peg their market value to some external reference. They maybe pegged to the USD (USDT or USDC), achieving price stability via collateralization or through algorithmic mechanisms of buying and selling the reference asset or its derivatives.

Stablecoins are being scrutinized by the regulators as they are growing and impacting the financial markets however there is currently no controlling authorities to intervene and manage the demand and supply of currency to maintain price stability. They do not have a central authority to control prices when required hence to individuals with a low risk perception, they seem more dangerous.

I hold stablecoins in Hodlnaut and Celsius to earn interest and at the same time to buy the dip when there is, Hodlnaut allows for 1 withdrawal a month once your account has been set up for 30 days otherwise a withdrawal fee applies when you withdraw but using the token swap allows you to buy within the whole ecosystem with no extra fees which I love.

Also, being exposed to yield farming which I mentioned in my previous video/article has also made me convert more cash into it. It's been a new experience and I am still learning along the way.

Conclusion

As I build up my cash position, I am also putting the extra into fiat stablecoins (mostly USDC) and to be honest, I always end up swapping it for ETH (itchy fingers!) so the stablecoin positions is always moving because I always think in terms of ETH growth and it is more worth it to be holding ETH than stablecoins. But I like the alternative that stablecoins provides to fiat. Of course, fiat and stablecoins are not equally the same and you need to figure out the most comfortable allocation for yourself. Hope you guys enjoy my content. Thank you.

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►FTX: https://ftx.com/#a=41877278 (If a new user signs up with my referral code, I will receive 25%-40% of their fees, and they will get 5% of their fees back)
►Use my referral link https://crypto.com/app/evwynu4g57 or code: evwynu4g57 to sign up for Crypto.com and we both get $25 USD :)
► Where I buy my stocks
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References: https://www.investopedia.com/terms/s/stablecoin.asp

Sunday, 21 November 2021

Will there still be a job for me after the age of 40? | Job security and uncertainty

What do you think of your current job security? For me, job security is really just something that applies maybe to certain positions or certain levels in a company, I haven't really experienced any job security since graduating from University. This is because I have been in a contract job after I graduated and ever since then have only held contract roles.

Jobs are no longer as secure as skill sets and job scopes changes as per the company's needs. Downsizing and cutting cost seems to be the norm in the ever-changing pandemic situation. I have to admit the job I am holding is not directly impacted by the pandemic but the effects of the pandemic is far-reaching.

PMEs - Professionals, Managers, Executives

I came across this article the other day on CNA and it wrote about examples of how very qualified and willing to work individuals who are older (PMEs - Professionals, Managers, Executives) are finding it hard to get a job even with retraining from government support. It wrote about how a former managing director, Siva has been looking for a job for seven years ever since he was retrenched at age 52. If you think about it, that's a tough situation he has been facing, looking for a job for 7 years is long. He was let go in 2014 due to plummeting oil prices and was earning about $10,000 and have about 30 years experience in the industry, earning $10,000 I have to say is a pretty comfortable amount if you do not have huge commitments.

He has taken up IT courses and project management but have been told that he does not have the relevant experiences and that he might be too highly qualified for the role which is one of the main reasons he received. WSG mentioned that Mr Siva shared at the time that he had expected remuneration on par with his last drawn salary. He’s since lowered his salary expectations but still wants to be in work that can utilise his skills and qualifications with him doing freelance QA-related work but he still is looking out for a full-time role.

Another individual, Mr Helmy Osman, 50, who set up his own events planning company after leaving his job in 2019 unfortunately had to close his business due to the pandemic. He got a contract job although it was a quarter of what he earned and he got it after numerous submissions and interview sessions. He has a TikTok account and have gone for digital course but was told he was not digitally savvy enough.

Sandwiched generation

Many PMEs are also having to deal with being the sandwiched generation, with children and parents to take care of. This poses huge pressure on them to ensure that they have their job especially so if their parents depend on them for allowances or necessities. Employers also worry about the commitments that PMEs have especially so for individuals who have taken a break due to their kids which was also explained by Ms Jayasree Balakrishnan Pillai, 40 years old who took a 2 years break to care for her 3 children. She explained that many companies asked her personal questions on her family commitments and some expected her to take a pay cut but eventually she managed to find a job that gave her an increment from her previous job.

What I think

I do feel that every job has the possibility of being replaced considering the rapid pace of innovation and automation. Companies are restructuring to face the changing situations and employees are made to adapt or leave if they are unable to keep pace. I do feel that in my current company and I think it has also instil a huge drive in me to take charge of my finances as I do not know how long I will be employed and whether will there be a job for me when I reach my 40s.

Thinking about the future is good in a certain sense as it prepares you for things and makes your goals more concrete as you prepare yourself. But of course overthinking can cause anxiety and I do try my best not to think too much about it. I heard this online, "Thinking about the past produces pain, thinking about the future produces anxiety, learn to be in the present and live now."

I do not have a solution to ensure job security but I believe financial planning is the way to go. I have noticed a rise in financial planning information in our local news scene from TODAY to CNA and even Straits Times. I think Singaporeans are seeing the need for investing as a buffer for retirement and having just a main income from work or trading your time for money is not the only way to grow your money. Here are 2 videos (Part 1 & Part 2) I came across on CNA and I think definitely we can see a lot of advocating of financial planning and retirement fund (CPF was heavily mentioned in the part 2 video haha) in the past year since the pandemic. Hope you guys enjoy the content. Do like my pages to stay informed every time I release new content. Stay safe and happy that Covid-19 curbs are easing up from 22 Nov 2021!

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► Where I Buy my Cryptocurrencies: Gemini (Receive $10 of bitcoin after you buy or sell $100 after signing up using https://www.gemini.com/share/558gylyhg)
►FTX: https://ftx.com/#a=41877278 (If a new user signs up with my referral code, I will receive 25%-40% of their fees, and they will get 5% of their fees back)
►Use my referral link https://crypto.com/app/evwynu4g57 or code: evwynu4g57 to sign up for Crypto.com and we both get $25 USD :)
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Thursday, 18 November 2021

Setting up Metamask and connecting to PancakeSwap | Staking and earning

*Please note that returns are not guaranteed and even your capital are not guaranteed as the prices of CAKE fluctuates and this is considered high risk so do your own due diligence and start small.

I have been hearing decentralised finance and how you can earn up to 3 digits % APY on it and was always intrigued but with no process sources that can really onboard me, I have mostly stayed with centralised finance like Hodlnaut and the exchanges (FTX, Crypto.com, Gemini) to earn about 3% - 12% APY. I was already pretty satisfied with the returns but of course, I knew there is higher yield though it might also be riskier.

Just the other weekend, I came across Chain Debrief's video on YouTube teaching how you can create a metamask wallet and accessing Pancakeswap and other platforms to yield farm and get up to 70% APY. The tutorial is really simple and easy to follow, do go take a look, I will also be doing a short tutorial on how I set up everything.

Getting introduced

The whole concept was really cool as they explained how banks were earning huge amount from the deposits of people like you and me but what we get back are sub 1 interest rates. The video from Chain Debrief is a step by step video where they will show you how you can create your metamask wallet and then add the Binance Smart Chain Network before connecting it to Pancakeswap. I have to say I think I am pretty late to the game as Clinton (one of the speaker from Chain Debrief) mentioned that the APY was previously 3 digits but have since dropped to 2 digit as more people stake and it becomes more stable.

Setting up the Metamask Wallet

If you have experience setting up a cold wallet (ledger or Trezor), this set up is pretty much the same with a password and seed phrases to be written and kept securely. I used the Firefox browser as that is my usual browser but google chrome works fine with it too. After that, you will need to add the BSC Mainnet which is as shown below or here.

Buying BNB to transfer to Metamask

I use FTX to buy BNB and then after buying it, I transfer is to my Metamask, when transferring, copy your Metamask address and use the BSC network to send it over. It should be in after a few minutes. You will then connect your wallet and swap BNB for CAKE to be able to stake it in the pool.

Using Pancakeswap

You can then go to Pancakeswap and at the top right hand corner, click connect to wallet. It is pretty intuitive and all you need to do is wait for it to connect. After which, you can click Earn at the top left corner and then proceed to pools. You will come to a page showing Syrup Pools and the first option, Auto Cake where you earn Cake by staking Cake. Do note that you will require BNB for transaction fees and because Pancakeswap is a automated market maker (AMM) on the Binance Smart Chain. You will need to swap your BNB for CAKE before enabling staking and there are gas fees throughout the whole process so do keep some BNB for the fees.

After staking, you will be able to see the returns and there is even ROI calculator where you can anticipate how your returns might look like, do remember that the APY fluctuates and is not fixed. But it is a really cool feature to have as you can see the numbers. *APY fluctuates and value shown below is not confirmed.

Cashing out your returns

You can then swap the CAKE tokens for BNB and send it back to your exchange. I will be using FTX exchange as after you have send your BNB via the Binance Smart Chain to FTX, you can then sell the BNB to USD and then exchange it to SGD before sending it over to your bank account.

If you were to send your BNB to Gemini and then get USD, do remember that there will be a charge of $10 for DBS if they were to receive a foreign currency like USD. So for me, I think if I were to cash out my returns, FTX would be the best choice.

My experience so far

I have shared my cryptocurrencies portfolio previously and most of holdings are in Bitcoin and Ethereum. I have utilised HODL for most of my cryptocurrencies and only recently have got into yield farming since my portfolio has reached a certain size. Of course, those who started earlier really got the juicy APY and I am just so intrigued by this whole system of DeFi. Returns are definitely not guaranteed but to be exposed to something that has substantial returns are crazy after years of chasing for the 1% interest rate from banks. This definitely comes with a larger risk as the CAKE token could drop drastically diminishing my profits, there is always the risk as we can also see that within 1 year it had a high of $44 and is currently at about $16. I am still very new into this and I only put in a small amount, although this means that my returns are low, I am still getting used to it and am comfortable with that amount. Do remember to do your own due diligence before getting in. Hope this video has been interesting for you.

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Sunday, 14 November 2021

Do you love dividends? | Why I have slowly moved away from dividend investing and what am I buying?

Dividends was a huge driving force behind why I started investing back in 2017. I loved the concept of having dividends paid out by holding a certain stock, I mean who don't love a constant payout of money throughout the year? However, with my investment returns not turning well with dividend investing due to my small capital, I have moved away from dividend investing and more towards riskier but higher growth stocks and assets.

Aiming for that cashflow monthly or growth in portfolio value?

As I have shown in my previous portfolio reviews, I tabulate the dividends I receive monthly and annually I receive about a 3 digit amount which to me is not bad. I liked it but my portfolio was growing at a low pace as dividend companies tend to be stable in their prices means no fluctuations and what more when they are SGX-listed companies. Hence, I changed my strategy by investing my money to US stocks as well as cryptocurrencies. I think being young, I wanted to take on more risk plus volatility with my money on asset that can grow at a faster rate.

Putting cash to other areas as I have a constant income

I have stopped investing in dividend companies or rather SGX listed stocks like REITs as I divert my cash to US stocks and cryptocurrencies like many others as the returns are really attractive. Of course, I have to say that the market have been in an uptrend specially so for the US market as interest rates are low and the Fed has been printing money to buy assets hence maintaining the prices of assets and the market.

I watched some videos and some mentioned that once interest rates are raised, there might be a stock market crash but no one knows. We will have to see how it goes. With my salary coming in every month, I put a portion to stocks and another portion to cryptocurrencies before splitting the remaining amount for expenses and savings.

How am I investing?

This year, I have really seen the growth of my portfolio and to be honest, I started investing in 2017 but the growth was slow when my portfolio was small.only in 2021, did I really see the effects. In Q1 2021, my portfolio was at $40,000 plus (crypto + stocks), Q2 2021, it grew to above $50,000 and Q3 it went to $64,000.

In Oct 2021, with Tesla shares hitting $1000, my total portfolio is now about $80,000. VWRA and VT which are the next few substantial holdings are also hitting ATH. Of course, the market doesn't only just go up but I have found a way of investing that I am comfortable with and that is to dollar cost average. Even though I might missed out on the lows but at least there is a fixed routine of putting in money.

I came across a few Seedly community questions where people asked, "VOO is now at ATH, should I wait before investing or should I just invest now?" I too also face this dilemma, especially so every month, it hits ATH, I will wonder should I save it up first before investing but knowing myself, it is better to have a regular investing plan then to time the best (bottom point) to invest because by then I wouldn't dare to put my money in.

With the strong market sentiments and the growth of the stock market, it is pretty scary thinking about when the next market crash is coming. I haven't experienced any market crash and when it comes, I am sure I will be shocked. So, I am also trying to build up my cash position and maybe keeping a portion as stablecoins to earn interest on Hodlnaut. So that is my plan currently. Just staying invested and keeping to my DCA plan towards the end of the year. Hope you guys enjoy this summary, do hit the like button and subscribe to my channel. Thank you:)

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Wednesday, 10 November 2021

Is being too frugal bad? | Being frugal got her 2 properties at the age of 32

Saw an article recently from South China Morning Post on how a lady saved her way up to having 2 properties however Chinese netizens are criticising her due to the way she is living. I think it is really harsh to be giving negative comments about how one is living their life if they are happy with it although her way of living does affect her husband.

Summary of the article, you can read the full article here

The article is titled, "Money-saving tips from a Chinese millennial who owns two properties". It's a great title and I would say that it attracts a certain audience particularly the millennials especially so in a time when properties are so high. We all struggle with property rising but wages staying and even fresh graduates are having a tough time finding a job. The article focuses on Wang Shenai whose is frugal to the point of being stingy. She is 32 years old and owns 2 properties in Nanjing.

Over the past 9 years, she has saved 90% of her salary to buy 2 flats in Nanjing, she is married with 1 kid. It has received large number of views, about 500 million times on Weibo but of course, many are debating whether her extreme lifestyle is worth it. She feels anxious and nervous when she spends money and her husband uses a mobile phone that is so outdated, it only has enough memory for 1 app.

Some said that there is no meaning to life living like that and that the media should not be promoting this kind of lifestyle, others supported her for being wise in saving and getting 2 properties at a rather young age. She said property gives her a sense of security hence she don't mind spending all her money on it.

The money tips which she provided are:

Do not buy new clothes; try to borrow old clothes from friends
Only use public transport, and try to find discounts if possible
Never join feasts
Stay away from luxury products

My thoughts

I think the tips that she provided are really useful as a guideline, not saying that you have to abide by all of it but if you can just choose 1 or 2, I am sure it will help in saving a portion of money. Of course, some would say that the lifestyle she is living is very extreme where spending causes nervousness and anxiety but it's really on an individual level. She feels more secure with having properties at the expense of not enjoying luxuries or experiences but if she likes it, that's good. I think there is always something to learn from everyone. Having 2 properties is a dream to most and she has achieved it however she had to sacrificed some things as well. Her frugality has moved to the point of being stingy and I think that is something that might need some adjustments (?) since she already has 2 properties on hand. Definitely, I am in no position to talk about how she is living her life but a lot of sacrifices has been made. I find myself frugal but stingy is not for me to evaluate but for others to say, haha. How would you live your life?

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Saturday, 6 November 2021

Setting up a Crypto.com account to get the Crypto.com Credit Card

If you have been keeping up with my posts and videos, you would know that I have a FTX and Gemini account that I use to buy my cryptocurrencies. I do also have a Kucoin account just to buy Algorand which is one of the alt coins that I am DCA-ing into every month. Crypto.com offers more options than Gemini as it offers over 150+ cryptocurrencies compared to Gemini which offers about 50+ cryptocurrencies. I am also creating an account after seeing so many reviews on the crypto.com credit card, I have decided to also create an account to buy some CRO to get started. Matt Damon has most recently also became the face of Crypto.com

Setting up my Crypto.com account

I set up my account basically just using the app (Crypto.com) that I downloaded. After downloading the app, you will be prompted to use a referral code if you have, you can use mine if you would like to create an account (both of us will get USD25 once you stake for a Ruby card or above, referral code: evwynu4g57). Next you will have to do the normal KYC, providing your details and ID. Then creating your log in credentials and a log in passcode. The verification was pretty quick for me, all in a few hours. You can choose to view the prices in USD or SGD, which you can also update in settings anytime after that.

Creating and using StraitsX (Xfers) account to transfer SGD to Crypto.com account

To get funds into your account, you can transfer from other exchanges eg using Gemini to send DAI over for your purchases, just make sure you copied the correct address. Otherwise another easier way is to create a StraitsX account, which was previously known as Xfers. I had a Xfers account as I used to use it for Binance.sg it's really simple where after you have created an account, you have to use a bank account that is under your name and transfer your funds to the bank account of StraitsX then your funds will be available under the fiat tab. The funds are send over pretty quick.

Putting in your buy or sell orders

Buy is simple, just click at the bottom centre and you will be able to put in your buy or sell orders accordingly. Since I deposited SGD in, the prices I purchased in are set in SGD. So far, I have bought some CRO and will slowly build up that position and then apply for the card. Having different exchanges can be confusing but mostly, I buy and move them to for example, my Algo to my Algorand wallet, ETH and Bitcoin to Hodlnaut or cold wallet while I stake SOL and LUNA. So it's really about transferring the holdings around.

Another thing that I like about crypto.com is that you can create recurring buys through weekly, bi-weekly or monthly. This is really for those who wants to automate all the investing which is great. I haven't really explored this function yet.

Why I am going for the credit card

The Turtle Investor wrote about the card a long long time ago and recently released another article on it. It really explains the benefits of having the card and how the rebates work. The card benefits differ based on the amount of CRO you stake but it's interesting to have a card that give you rebates back for Netflix and Spotify. I am thinking of getting the card but you will need to purchase and hold the CRO for 180 days approximately 6 months and then you can transfer it back to your wallet. I am debating on this point as I want the Jade Green card but it requires $5000 SGD worth of CRO and for me, it is a rather large amount to begin with and I will also need to lock it up for 6 months. Otherwise, I will go for a Ruby Steel card first which requires $500 worth of CRO but to upgrade in future, a SGD 50 is needed for the replacement card. Overall, after downloading the crypto.com app, I would say that I am so far pretty pleased with it. Staking of CROs can further amplify the benefits you get just like with FTX with the FTX token.

If you are considering to open a crypto.com account, you can use my referral code otherwise, you can give Gemini or FTX a try too.

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Affiliate links/Codes:

► How I Protect My Bitcoin using Ledger (20% discount code): Get your ledger from HERE (Using my affiliate link will help me where Ledger will pay a small incentive that's not from you but from them) - USD$25 discount coupon: THANKS-SHLRTVJ or THANKS-V35SSK5
► How I earn interest on my Crypto (Hodlnaut): https://app.hodlnaut.com/signup?r=_JF037Nb0 Get USD20 equivalent for your initial deposit of at least USD1000 on any of the supported asset by using my referral link
► Where I Buy my Cryptocurrencies: Gemini (Receive $10 of bitcoin after you buy or sell $100 after signing up using https://www.gemini.com/share/558gylyhg)
FTX: https://ftx.com/#a=41877278 (If a new user signs up with my referral code, I will receive 25%-40% of their fees, and they will get 5% of their fees back)
Use my referral link https://crypto.com/app/evwynu4g57 to sign up for Crypto.com and we both get $25 USD :)
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Sunday, 28 November 2021

How much fiat cash VS stablecoins are you holding? | How my allocation is

Why hold fiat?

Why hold stablecoins?

Conclusion

Sunday, 21 November 2021

Will there still be a job for me after the age of 40? | Job security and uncertainty

PMEs - Professionals, Managers, Executives

Sandwiched generation

What I think

Thursday, 18 November 2021

Setting up Metamask and connecting to PancakeSwap | Staking and earning

Getting introduced

Setting up the Metamask Wallet

Buying BNB to transfer to Metamask

Using Pancakeswap

Cashing out your returns

My experience so far

Sunday, 14 November 2021

Do you love dividends? | Why I have slowly moved away from dividend investing and what am I buying?

Aiming for that cashflow monthly or growth in portfolio value?

Putting cash to other areas as I have a constant income

How am I investing?

Wednesday, 10 November 2021

Is being too frugal bad? | Being frugal got her 2 properties at the age of 32

Summary of the article, you can read the full article here

My thoughts

Saturday, 6 November 2021

Setting up a Crypto.com account to get the Crypto.com Credit Card

Setting up my Crypto.com account

Creating and using StraitsX (Xfers) account to transfer SGD to Crypto.com account

Putting in your buy or sell orders

Why I am going for the credit card