Q1 2025

 










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On... Delaying Retirement

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Before you reach your first million, you should not take your foot off the gas pedal. If you really want to retire or retire early, consider reducing your expenditure. Not talking about small items like having a coffee but big ticket items, say values of more than 10k AUD. Because the wonders of compounding works in reverse when you spend big, it can significantly delay your retirement. I ran a few scenarios to compare what our spending do to our retirement planning. These are very simple scenarios with very rough numbers. You can do this for yourself and see how your spending delays your retirement. That should help you think twice before you go on your next big purchase! The chart below shows 3 scenarios. For all scenarios, it assumes the starting investment capital of 130k AUD with a portfolio return of 10 percent per annum. I assume you can retire when you have grown your account to 1 million AUD. Scenario 1 ( Blue ) is the Base Case. Scenario 2 ( Grey ) is a scenario of the impact...
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On... 2024

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2025 marks the starting of the eight year of my investing. 2024 is a bumper year for me ( see below Figure ). My Net Worth broke All Time High in 2024 with a growth of 45% ( Largest growth so far ). The earlier part was pretty good and trending upwards until circa April 2024. It then started to dump and luckily reversed in December. ROI for my Portfolio is 7.9% ( ROI since Inception ). For the latest Portfolio Updates, see  Portfolio Updates .  In 2024, I started to include shorter term trades after listening to the 'Top Traders Unplugged' podcasts. They recommended diversifying across time frames to capture all possible upsides. The short term trades have a holding period of days to roughly a month. This year ( and consistent with the past few years ), Buy and Hold largely outperforms short term and mid term trades. Does it mean that I should revert to Buy and Hold? I think probably not. It just means that the market structure favors Buy and Hold but we do not know how the st...
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On... Crypto AI, NFT2.0?

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AI seems to be the buzz word recently. Is this sector legit or are we in NFT2.0? NFT's were supposed to change the world in 2021, but sad to say that was a speculative bubble that popped within a year or so. Trading volumes peaked in January 2022 at about $17.6 billion, driven by hype around projects like Bored Ape Yacht Club and CryptoPunks. By September 2022, volumes had crashed roughly 97%, with average NFT prices dropping from $4,000 in early 2021 to under $1,500 by mid 2022. Fastforward to Q4 2024, something else exploded into the scene that caught my attention. Terminal Truth was released and it got the attention of Marc Andressen who funded it with some BTC. At around the same time was the Virtuals protocol explosion with AI agents such as Luna and AIXBT. So begins the AI space race, but I was not ready to dip my toe in yet. Raol's talk about the Economic Singularity also piqued my interest thereafter. The question was, how was I going to invest in this sector? If AI wa...
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