Phoxchop

Category: Personal finance

  • Expected returns projection 2025

    I decided to pull expected return projections from a few big names in the asset/fund management industry for easy access to information (and for fun). I have seen many laypeople projecting returns of stocks quite loosely based on historical data. A common estimate is in the ballpark of 7-10% p.a. nominal returns. This estimate may…

  • Short term financial goal solutions

    Recently, I’ve been struggling on where to save money for a house down payment. This is typically not a huge problem if you have regular CPF contributions, but I am in a unique situation where my default CPF contribution is really low. Unfortunately, CPF does not allow specific top-ups into Ordinary Account (OA), you can…

  • US TIPS for a Singaporean investor?

    Treasury inflation-protected securities (TIPS), are bonds introduced by the US government where the principal (amount you loan) rises or falls with inflation. Many developed countries also offer inflation-protected securities, for brevity I will just call them TIPS too. TIPS are a popular and useful investment tool to protect against unexpected inflation. They are especially useful…