About me

Hello Everyone

Welcome to the blog.

My name is Brian and I am the author of this blog you are reading which touches on personal finance and investing related matters. Thus far, I have written over 650 articles since I started back in 2011 and my passion towards educating to become a better investor remains strong.

I am currently working as a financial controller in a logistic industry and have been working in the corporate world for the past 9 years.

I am happily married to my lovely wife who is a housewife and takes care of our two children - both boys.

I started this journey when I was at the age of 24 right after I started my career and have loved every moment since. My goal is to achieve financial independence at the age of 35, which in my definition has a passive income that would cover 1.5x of my expenses.

Warren Buffett quotes it best when he said:

"Someone is sitting in the shade today because someone planted a tree long time ago"

It is true because the onset of planting a tree takes hard work, efforts and most importantly patience but as time goes by, you'd be able to enjoy the fruits of your hard work.

If you are reading this and are inspired to start your own journey, you'd make that very first step but there will be more to come. In this regard, please feel free to contact me and I would be most willing to help you to the best ability that I could.




83 comments:

  1. Inspiring blog!
    i am still a uol student and just curious about how to get started and how to go about doing it( opening account, picking the first stock and buying it ) If you could do a How-To tutorial would greatly appreciate! thanks alot

    ReplyDelete
    Replies
    1. Hi Andrew

      You flatter me. I don't think I am in a position to do a "How to Tutorial" as everyone's state and conditions are different. However, if you would like to view how I started, you may view the post which I have made recently.

      http://foreverfinancialfreedom.blogspot.sg/2012/08/confession-of-my-investing-journey.html

      Delete

  2. Thank you so much for your Sharing..I am very impressed with someone who is 27 years old and so knowledgeable in the Real Market, especially in the Financial Market..I am a Grandmother Auntie in my late 50 need to learn many things from you..When I was 27 years old, I am already in debt, HDB loan, car loan, renovation loan...etc..

    Keep Up the Great Job..

    Warmest Regards

    Auntie Grace

    ReplyDelete
    Replies
    1. Hi Auntie Grace

      You are not old certainly :)

      I am still learning everyday and it's great learning them while still young. The road to learning has and will never end ^^

      Delete
    2. Thank You for the Reply..

      Yes I am always learning especially from all my Special Colleagues and many other young tutor like you..

      Blessed Weekend.

      Auntie Grace

      Delete
    3. Thank you Auntie Grace

      Journey never ends and we'll learn as we walk along the same path together :)

      Delete
  3. This comment has been removed by the author.

    ReplyDelete
  4. “...Everyone has a dream of the things that he or she wants to do in life. But as often in life, you get distractions in life that makes you decide to postpone your plan.” - I can totally relate! Who wants postponements and hindrances? No one, but distractions are part of our lives just like debts. At some point, we have to face them, pass through them so we can focus on what we really want to do in life without something getting in the way.

    Jaden Allred @Toronto Bankruptcy Advice

    ReplyDelete
    Replies
    1. Hi jaden

      Thanks for visiting my site.

      Disruptions are part and parcel of everyones life and I am glad I found that out early and take actions early. There are lots of people I know who doesnt take actions amidst all the problems they claimed they hv and its sad to hear that.

      Delete
  5. Hi B,

    I chanced upon your blog and I'm really impressed by what you have achieved these 3 years. I also have a blog which I just started actively blogging. We can exchange blog links if you want. My blog is: sgyounginvestment.blogspot.sg. Do let me know. Thanks!

    ReplyDelete
    Replies
    1. Hi SG YI

      Thanks for visiting my blog. You may not know this but i hv been a common reader of your blog too!!! Its great to know that there are more younger people out there these days who are ambitious about their future plans.

      Sure will do to exchange links and motivate for one another ;)

      Delete
    2. Hi B,

      Thanks for supporting my blog. I really didn't know you've been reading my blog. Its great to hear that! Haha.

      I've added your blog to my blog list. Thanks and have a great day! I'm really glad to find another young person who's blogging about finance and investment. It just makes blogging more fun to know more people. :)

      Delete
  6. Hi B,

    Just found your blog from another financial blog. I too, have a website where I teach people about options trading. Please check it out and let me know if you're keen on exchanging links! Thank you so much!

    Pok Chow
    www.optionssingapore.com

    ReplyDelete
  7. Hi B,

    I am Wilson, co-founder of Stokflok. I would like to contact you regarding working together but I am unable to find your email on your site. Could you email me at wilson@stokflok.com?

    ReplyDelete
  8. good day,

    I am a big fan of foreverfinancialfreedom and have ready plenty of your articles on shares investment on fundamentals. keep up the good work and selfless sharing!

    Is it fine with you for my website to be featured under your blog roll?

    www.SingaporeStocksTrading.com

    ReplyDelete
    Replies
    1. Hi Anonymous

      I've used your technical analysis most of the time as well.

      I've added you to the link.

      Thanks and keep the great work up.

      Delete
  9. Hi B,

    Its impressive to meet like-minded people like you who share the same dream as me! I am 22 this year and my journey to financial freedom started 2 years ago. I plan to achieve financial independence before Age 30. I love what you are sharing!

    I documented my investing journey and thoughts. Let us exchange blog links.

    Check out mine at:
    http://ratpacksg.wordpress.com/

    Cheers!

    ReplyDelete
    Replies
    1. Hi Ratpack

      Thanks for sharing. I've visited your blog. They were great. Hope to see more posts from you :)

      I've added yours to my blog. See ya around.

      Delete
  10. Hello B,

    its amazing that you almost accumulated quarter of a million dollars within a short period of time.

    I have too started my investment journey a few years back, would you be interested in exchanging blog links? I added your blog to mine already.

    Mine is at: http://liewcapital.wordpress.com/

    ReplyDelete
    Replies
    1. Hi Xliew

      I've been reading your recent posts. They were well written and articulated, especially on a fundamental analysis portion.

      I've added your links to my blog. Hope to see more from you :)

      Delete
  11. Hi B,

    I like how you manage a personal voice through your posts which some investment blogs lack.

    My investing style is a little different, preferring the way of Passive Investing. Let us exchange blog links.

    Mine is at: http://wengeleo.wordpress.com

    P.S. How do I subscribe to your blog?

    ReplyDelete
    Replies
    1. Hi Wengeleo

      Thanks for visiting my blog.

      I've visited your site too and it looks like a great start and dream you are in now. I'll add your blog link in. Like you, I am also a student in SMU on a Master batch currently studying there ;)

      Delete
  12. Hello Ivana und B, I know how hard it is to break out of the normal work and retirement system. But the good thing is that it's possible and dividend growth is definitely one way to achieve an early retirement. I've done it too and I'm very happy with it.
    I wish you all the best to achieve your goals of a financial freedom at the age of 35. Ah, I've added your site to my blogroll. My readers should be inspired by your way of life. Best Regards Tom.

    ReplyDelete
    Replies
    1. Hi Tom

      Appreciate your readership.

      I will be following your blog as well ;)

      Delete
  13. Hi, Nice site I enjoyed reading it. Thanks for sharing. Would it be possible if I contact you through your email? Please email me back. Thanks!

    Aaron Grey
    aarongrey112 at gmail.com

    ReplyDelete
    Replies
    1. Hi aaron

      You can contact me at brianhalim723@hotmail.com should you wish to pm me anything.

      Delete
  14. Hi B,

    Great blog. I'm starting out on my journey fresh out of college and a year's work and your blog has been really helpful and motivating. I have a question here, though. How did you arrive at your projection numbers? I can't seem to figure out the math here.

    Cheers!

    - Daryl

    ReplyDelete
    Replies
    1. Hi Daryl

      Thanks for visiting.

      I hope it helps you on motivating and how to start investing from young.

      The projection you see above is simply having to inject a capital of 60k a year continuously along with dividends projected at 6% reinvested over time. You would then get a figure you see above.

      That is a goal I wish to achieve but acknowledged it can be hard at times. Im just trying my best to achieve them.

      Delete
    2. It still doesn't make sense. Would suggest that you re-check your formulas in your spreadsheet.

      Delete
    3. Agree with Anonymous. I still cannot figure out how you arrived at those numbers.

      Looking at your portfolio, as at 10th of Feb you are roughly on 342K which is actually ball park to the projections you would get if you assumed 60K capital injections and 6% dividend which is reinvested.

      Would appreciate if you elaborated on how you arrived at the actual projected numbers above. Wondering if there is something I'm missing.

      Love the blog below and very inspirational!

      Steve

      Year Start Capital Injection  Dividend End Capital

      0 $100,000.00 $60,000.00 $6,000.00 $166,000.00
      1 $166,000.00 $60,000.00 $9,960.00 $235,960.00
      2 $235,960.00 $60,000.00 $14,157.60 $310,117.60
      3 $310,117.60 $60,000.00 $18,607.06 $388,724.66
      4 $388,724.66 $60,000.00 $23,323.48 $472,048.14
      5 $472,048.14 $60,000.00 $28,322.89 $560,371.02
      6 $560,371.02 $60,000.00 $33,622.26 $653,993.28
      7 $653,993.28 $60,000.00 $39,239.60 $753,232.88
      8 $753,232.88 $60,000.00 $45,193.97 $858,426.85

      Delete
    4. This is how the computation works. the return is based on the starting capital, and the injection of funds would likely to be that the funds will be in at the end of first year. Thats how the computation works

      Delete
  15. Hi B, wow, I wish I had the insight to have started saving/investing at your age but sadly, I was too busy spending and getting into more debt! As you say though, it's never too late to start and I am now totally committed to saving towards financial independence. Good luck with your journey!

    ReplyDelete
    Replies
    1. Hi Weenie

      Thanks for your kind comments.

      There's never too late to start. I've read your posts. I think you'll do well in times to come and reach FI.

      Take care and all the best.

      Delete
  16. Hey B,

    Fantastic blog you have going here, and you're making amazing progress towards your goals!

    Have only read a few posts so far, but there's some really great ones already I've read, including surviving the bear market and the firefighter gene.

    Hope you keep your fantastic momentum going and can continue to inspire your many readers!

    Cheers,

    Jason

    ReplyDelete
    Replies
    1. Hi Jason

      Thanks for visiting my blog.

      Appreciate your comments and good to see that you liked the post.

      You are doing very well yourself and best of luck with the family situation on home matters over there.

      Delete
  17. Hi B I'm a daily fan of yours. I've decided to start blogging as a amateur investor. I have already put u inside my blog list. If possible can come and visit my humble blog if u dont mind can link me as well.
    http://makemunnygrowmunny.blogspot.sg

    Cheers!

    ReplyDelete
    Replies
    1. Hi jfree

      Thanks for your support. Really appreciate it a lot :)

      I've linked your blog in my archive. I've also visited your blog to say hello. Good to see that you are beginning to blog as well. Hope to see more from you around :)

      Delete
  18. I'm still starting in the world of financial freedom and finding blogs like yours always makes me keep on pushing :) I follow you!

    ReplyDelete
    Replies
    1. Hi Sergio

      Thanks for visiting the blog.

      You have a great site that I have just read. Keep it going.

      Delete
  19. Thanks for sharing your annual success. I am following a similar strategy to add $50,000 in fresh capital every year until retirement. I am happy to see that this is working very well for you.

    ReplyDelete
    Replies
    1. Hi Dividend Dreams

      Thanks for visiting.

      That was an initial target for me but recently I find it increasingly difficult to do so with families. I'll probably will have to do less unless my job gives me increasing income over the next few years.

      Delete
  20. Inspiring , along the way , do bring along some friends and family members as well , so that financial freedom can be there for them too :)

    ReplyDelete
    Replies
    1. Thanks Kendrick :)

      The more people we can influence the better it is.

      Just don't pick stocks for them as it's giving them the wrong signal. Hahahaa

      Delete
  21. Very inspiring blog and thank you for your sharing.

    ReplyDelete
    Replies
    1. Hi Anonymous

      Thanks for your support and kind comments :)

      Delete
  22. Hi B,

    Thank you for sharing! I chanced upon your blog as i was visiting other financial blogs to learn more about investing and the path to financial freedom. Just one question, how do you arrive at the 100k starting capital?

    ReplyDelete
    Replies
    1. Hi Anonymous

      Thank you for your kind comment and support.

      My starting capital was through savings from the work I've done prior to starting for investing. I wished I could have invested earlier I might catch the bottom during the gfc ;)

      Delete
  23. Hi B,

    I have recently only started reading your blog, what an amazing wealth of insight and research! I'd like to thank you for your kind sharing and research, it's given me a different perspective on how to valuate companies.

    Could I ask you what your profession is? I am curious because it seems your salary is quite a lot for you to be able to pump in such a significant amount money into your portfolio monthly.

    ReplyDelete
    Replies
    1. Hi Machi

      Thank you for your support and kind words.

      I worked in the logistic industry as an accountant/finance manager role at the moment. I wouldn't say it's a very high salary but it's probably where the market is offering in terms of 7 year experience accountant/finance manager across the sectors. Just glad to be doing relatively fine on that front :)

      Delete
  24. Hi B,

    Thanks for the info, no wonder your insights for stocks are quite thorough!
    Many thanks for sharing and keep up the good work!! Really appreciate your humbleness and selflessness and also all the best in your job :) (May you retire soon!!)

    ReplyDelete
  25. Hi

    Love reading your analysis and detailed sharing. I'ld like to feature u in my blogroll if it's ok. And all the best for your aim of being Forever Financial Freedom!

    ReplyDelete
    Replies
    1. Hi Calvin

      Many thanks for the inclusion.

      Delete
  26. Hi B,

    Since you are in Logistics industry. Mind to share what's your thoughts about Logistics industry in Singapore, and its future outlook?

    Thanks.

    ReplyDelete
    Replies
    1. Hi See Kay

      The logistic industry is extremely cost competitive now, much more than before and customers are much more demanding now with their requests for a supply chain activities for instance. They are not simply looking at one particular chain but looking ahead to suppliers who can provide them the best of all the supply chain activities from head to toe. We call this the 4PL in industry terms, which covers the range of activities much more than 1PL or 2PL in the past.

      Delete
  27. Hi B,
    I just came across your blog. We have remarkably similar goals and investment approaches. My goal is to achieve a portfolio of $1M by age 40, with dividend income of $50K per year. My biggest holding is China Merchant Pacific, with 80K shares. Vicom is also one of my favourite stocks. My portfolio is $500K at present, so I'm halfway there. =)

    ReplyDelete
    Replies
    1. Hi Vingaard

      Looks like our goals are pretty the same there and even some of the share holdings are pretty much the same with CMPH and Vicom. You are much ahead of me so I trust that you will hit your goal which is now more than halfway through already. The next recession could be a make or break for your goal.

      Delete
  28. Even with the 5% recent drop, you are well on your way into your 9 years retirement plan. When I first started out at my job, I saw a one of the guy who had retired, then come back to work. I asked him if he could change one thing about his financial strategy, what would he have done? He told me, he didn't save enough (more like EARLY enough). You started in your early 20s, that put you at such a nice position in your late 20s. Great job, man! Thanks for sharing.

    ReplyDelete
  29. hi,

    a long time fan of your blog. just wondering, if you have managed to hit your projected target of 2.1k mthly passive income for 2015?
    if no, what are you plans to achieve it? if yes, how are planning to continue to maintain it?

    ReplyDelete
    Replies
    1. Hi fooztreasures

      I have not managed to meet the target in 2015 actually. My target would be to hit $2k per month by 2016. Lets see if market weakness could help me along the way.

      Delete
    2. with the SIBOR increasing, i am thinking of paying off partial house loan (~300k left) or using that sum of monies to buy more into the markets with the current downtrend.

      what are your thoughts?

      Delete
  30. So overall, how was the return? I am worry about the recent fall in China. Singapore certainly cannot escape.

    ReplyDelete
  31. was wondering how do you manage to have a yearly capital injection of $60,000? Thats like $5k every month. It's either your income is real high or you spend very little each month. That's very impressive at a age of 30. I have been keeping track of my expenditure and it seems that it is almost impossible for me to even save $2k a month. Btw I am in my late thirties.

    ReplyDelete
    Replies
    1. Hi Lulu

      I'm currently working as a Finance Manager with 8 years of working experience, so I hope this provides a sense of how much I am currently earning.

      In my blog, I've always advocate and promote the importance of human capital. Not only should we focus on our investment but it is also important that we do take importance on how much our human capital is worth fighting for.

      Delete
  32. Hi FFF,

    I have been following your blog for years and am now inspired to have one of my own. Would really appreciate if you could visit it as and when possible and provide me your invaluable insights/opinions on my posts. I would also be honored if you could include me in your blog list. Blog's www.investmentlynchpin.wordpress.com

    Cheers,
    Aspiring Lynch

    ReplyDelete
    Replies
    1. hey AL,
      i just started a wordpress blog too, eventhough i noticed most of the bloggers use blogspot. still trying to figure my way around the wordpress site.
      how do you add a blog list in wordpress?

      Delete
    2. B,
      once i figured the above out, do you mind if i add you?

      Delete
    3. Hi AL

      I have left a comment on your blog and also added you to the link. Hope to see more from you ahead :)

      Delete
    4. Hi fooztreasures

      Yes definitely.

      Please let me know your blog as well so I can follow your investment journal :)

      Delete
    5. B,
      uncle here, not very tech savvy..
      the blog is quite messy and very "urgh"... not sure how to describe.
      maybe i should switch to blogspot. haha

      anyway, here is the link..
      foolishchameleon.wordpress.com

      Delete
    6. thanks for the maiden post, B!

      Delete
    7. Hi fooztreasures

      My pleasure to do so.

      I've added your blog to my link :)

      Delete
  33. Hi! I enjoy reading you blog. i am 20 this year and have cash savings of 10k. for a start, what kind of investment products do you recommend? I will be saving along the way when I enlist in the army soon too!

    p.s. what are your thoughts in investing with p2p lending in singapore?

    ReplyDelete
  34. Wah, u can save 60k to invest each year, is really impressive. My annual income is only RM70k only. I am JB Siew from Malaysia. Am also strong believer in dividend stock. Mainly invest in Reit in Singapore.

    ReplyDelete
  35. I am impressed. May I know if you are on track for FI at age 35 in 2020? :)

    ReplyDelete
    Replies
    1. Hi Cheryl

      It looks like it will fail for a while, but it'll be a close race to the end :)

      Delete
  36. Hi B,

    Interesting portfolio you have there. I see that you are a FCL investor as well. Any takes on their high leverage?

    By the way, I am also from the logisitcs industry!
    Do check out my blog too!
    http://tobidortosell.blogspot.sg/

    ReplyDelete
    Replies
    1. Hi Frowns88

      I don't think the high leverage would be the most worrying factor for FCL.

      Ah, fellow industry!!! perhaps we could engage some time.

      Delete
  37. Hi B, I love reading your blog and would like to exchange blog links. :)
    fattyandslim.wordpress.com

    -Leong Chin

    ReplyDelete
  38. Hi
    Thanks for the insights. I have a question. For Year 2, how do you get $245,920.00?

    Thanks

    ReplyDelete
  39. These are very impressive numbers given your relatively young age.

    -Othalafehu

    ReplyDelete
  40. Why you even bother dude?
    forget about investing, you might have regular small wins but one occasional big loss is going to wipe you clean and back to sq 1.
    Don't invest, focus your energy on something else

    ReplyDelete
  41. Great blog! Given your background getting a late start with investing I'm interested in your thoughts on the following rule. Before investing you should:
    -have an emergency fund
    -eliminated credit card and student debt
    I am a proponent of getting your house in order before learning to invest. I recently received some push back on the student debt component. No one really questions the emergency fund of credit card component. Do you think you should eliminate student debt prior to investing?

    Josh

    ReplyDelete
  42. Inspired by your blog and investment strategy. I will tell my sons to read your blog and learns from you through value investing and attaining financial freedom like you...

    ReplyDelete

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