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Website title: Investment Moats – Wealth Mentor for Financial Independence

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Message History

One of our advisers looked me up over the weekend because the adviser was reflecting on what transpired in the markets over 2025, but also over the last two years and wonders what are the sub-lessons he/she could learn from the markets.

Firstly, I think that is a good habitual practice. You got to know where we are today, what transpired in the very short term (1-y...


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At the start of the year, I would usually report how much I spent in the past year. In this post, I will share my spending in the year of 2025.

I learned from somewhere that we would usually allocate our income with this framing:

My Spending for today – These are our current expenses. My Spending in the past – These are t...


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I am still on holiday now but I got to work on Gilgamesh, my personal project on and off while travelling around.

I used to have someone ask me if they would like to invest only in financials, or invest only in financial companies in their kid’s long term portfolio is a good idea.

With how well the local banks UOB, OCBC and DBS is doing, not to mention J...


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What if I tell you that if you invest in a MSCI World tracking ETF, such as the IWDA using


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I have this Telegram group member Rootie who was asking us about how we look at a medical sinking fund. If you wish to join my Singapore Financial Independence Telegram, you can join here.

Here is both his question:

...


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