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Emails on investments and the CPF.

Sunday, April 9, 2017

I have been spending more time on a new hobby. Online gaming! 

No, don't worry. It is not of the casino variety. It is a MMORPG. 

What is this? Massively multiplayer online role-playing game. For more information: MMORPG.

The game is "Neverwinter" by Dungeons & Dragons. I am amazed that something like this is available to play free of charge! 

I remember "Diablo" by Blizzard was quite pricey. I waited for the price to come down before buying many years ago.

Anyway, if you get the feeling that I am spending less time blogging, you are right. So many hobbies and so little time. Cham.

It is so realistic but nowhere like SAO (Sword Art Online) of course. I wonder whether SAO's gaming technology would ever become reality.

Can you spot "Neverwinter"?

Reader #1:

Hi AK, I'm your new blog follower since last mth and wanted to ask you what's your advise on an effective approach to investment planning.
I remember you were saying need to have war chest (to take advantage when mkt downturn), emergency funds, investment etc but how do you apportion if let say I have $100k? Thank you.

Welcome to my blog. ๐Ÿ™‚
I dun give advice. I am not allowed to. I am just a blogger talking to myself ๐Ÿ˜‰
Anyway, without knowing your situation well, I can only talk in general.
So, I believe this blog post might interest you:
And this:

Watch the video:

"How To Build A Budget?"

Reader #2:
Hi AK, i have been one of your silent reader and have benefited much from your blogs.
Today, i saw that AEM share price has dropped by quite a lot. But i don't understand why
I suspect it may be due to the bonus offer that was exercised today
But i don't understand what does the bonus offer means
And i cant find much info on it as well
Hence, i will like to consult you and learn at the same time

I am not a consultant. I am just a blogger. ๐Ÿ˜‰
I am not allowed to give advice de. ๐Ÿ˜ž
Anyway, this is the first time I have heard of AEM. Not familiar with this.
Bonus issue?
"Bonus shares are shares distributed by a company to its current shareholders as fully paid shares free of charge."

Reader #3:
Hello sir,
Would you advise for
1) OA = 40%
2) SA = 60%
or ????
No need for MA ? Bcos got insurance liao.

Always need MA. ๐Ÿ˜‰
How much you want to put in each CPF account depends on what you want to achieve.
SA is for retirement funding. Cannot be used for anything else. ๐Ÿ˜‰
(Of course, if our CPF-SA were to exceed the FRS by quite a bit when we are 55, we could withdraw a tidy lump sum from our CPF-SA while the FRS goes into our CPF-RA. We could then use the withdrawn money for anything we want.)

Remember, AK is not a consultant. 

AK doesn't give advice. 

AK is just a blogger.


gagmewithaspoon said...

you are not just a blogger! but a wise one! =) thanks for helping many to take baby steps towards a more achievable financial freedom

AK71 said...


Thank you for the kind words. I am glad. :)

Unintelligent Nerd said...

Hi AK,

Thanks for the recommendation. Just finished watching season 1 of SAO. Interesting concept really. If I were stuck in their situation, I don't think it will bode well for me.

It's one thing to play as a melee character and another thing to fight bosses as the melee character.

(I think I'm weird. I visit your blog for the anime recommendations >.<)

AK71 said...

Hi UN,

It is safer to recommend watching anime than to recommend buying stocks. ;p

SAO season 1 is the best. Season 2 not so fantastic.

Watch Log Horizon next. If you like SAO, you would like that. :)

Try MMORPG to get a feel of being stuck in the gaming world. I am spending a lot of time in the world of Neverwinter now. :p

Unintelligent Nerd said...

Hi AK,

Finally completed watching Log Horizon. It's nice too.

Hmm. Just for laughs, but would you invest in Shiroe REIT Limited?

Trustee-Manager the same leh: Round table.

But financing source is infinite: Kunie Gold.

Geographical concentration in one city only.

The Chairman "disappeared": Krusty

Kekeke. Dunno whether CEO divested to Server Pte Ltd at a gain or loss? XD

AK71 said...

Hi UN,

Shiroe was a scary smart fellow. I wouldn't want to be his enemy. LOL. ;p

If I were trapped in the game with him, I would probably end up working for him. :)

Laurence said...

Well, looks like winter is coming to Singapore.............

Temperatures dip below 23°C on Wed evening, expected to fall further
Today Online, 10 JANUARY, 2018
SINGAPORE — Parts of Singapore saw its temperatures dip below 23°C on Wednesday (Jan 10) evening, and this is expected to fall to as low as 22°C in the coming days.

Can you spot "Neverwinter"?

AK71 said...

Hi Laurence,

Feels like Genting Highlands. Love it. ;)

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