About me

Welcome to my blog on my journey towards financial freedom.

I'm 29 years old now and living in a small island city called Singapore. I started this blog in June 2013. My background is in Engineering. Later on, I went on to pursue a degree and graduated with a Bachelor of Economics.

Have been an investor for 8 years now and enjoying every bit of economics, finance and investment. I have a passion to teach others on the importance of good financial habits and the importance of investment. This blog aims to make finance simple to understand in our complicated world.

I started out reading books on personal finance when I was in army at the age of 22. First book I read was rich dad poor dad by Robert Kiyosaki. Thereafter, things started to progress as I dug deeper and found out how the rich and successful manage their money.

Some points I found out about rich people:

1) They are frugal
2) They do not rely on one source of income but they seek to create multiple sources of income
3) They are passionate about the things they do and life in general
4) They are always learning new things
5) They invest
6) They read a lot especially keeping updated on current world affairs

These are some of the points I discovered in the process and I've been changing the way I live my life by developing good habits in managing my money and investing wisely.

About me and my Journey
I was just an average student during my school days. My worse subject was mathematics and I failed it when I was in primary school. During secondary 1 and 2, I still keep failing maths and a F9 grade was common. If not for a good teacher I met in secondary 3, I wouldn't have manage to get a B3 for my O'levels. Its an irony that my interest is in finance now given the amount of calculations and maths involved. I used to hate that subject but not any more now.

Started my first job after my O'levels while waiting for my results. I have no idea why I ended up in a sales job promoting Starhub's cable tv and broadband service through door to door sales and road shows. I was only 16 years old at that time. It was a good experience as sales taught me how to conquer the fear of rejections and learn how to sell and communicate better with people especially strangers.

During my polytechnic school days, I had the chance to go overseas for an internship program. This was a unique program as what I was going to do was totally unrelated to my engineering course of study. I was going to Vietnam to teach English. Sounds more to me like an overseas community project. It was another memorable experience which I would never forget. Teaching taught me communication skills once again and built up my confidence to interact and speak with people.

It was until during my army days that I started to think about my life. I thought that I should start planning for my future and make full use of my time. I wanted to take control of my financial future.

Started out investing in the stock market by buying my first stock which was Singtel. Made a bit of money and was overly confident. At that time, I didn't know anything on the analysis of a company's financial statements, their business model and valuations of a company's stock price. The worst stock I bought was NOL which was bought at a high of $2.20. It went all the way down to $1.10 during the European debt crisis in 2011.

The lesson learnt taught me a very humbling lesson and my real journey of investing starts from there onwards. I have developed an even stronger passion for investment since that incident. I talk about personal finance and investment constantly and I'm happy that to date, I've introduced the world of finance and investment to many of my friends and we're able to discuss and learn together along the way.

I've managed to achieve a 4 figure profit and a double digit % return from the stock market in 2012 and am still learning along the way. My goal is to save at least 100k by the age of 28. My total passive income for 2014 came up to be more than $3000. Passive income in 2015 is already more than $3500 as of April 2015. I invest primarily in income generating assets for the long term. My target will be to have at least an annual passive income of 10k by the age of 30.

Here's my Investment XIRR achieved since I started tracking in 2014:

2014: 19.29%
2015: 6.10%
2016: 9.78%

I hope that through this blog platform, i can reach out to many more people and meet many other people who share the same passion as me. Its my passion to share with others that we should all take charge of our own financial future.

If you're new to my blog, feel free to look at this selected list of articles that will help you get started on your personal financial journey and learn more about growing your money through investments.

Contact me
You can email me at sgyounginvestment@gmail.com to contact me.

If you have any queries on getting your housing loan or want to refinance at better rates, email me at sgyi@homeloanwhiz.com.sg for a complimentary consultation. Find out more about the services I provide here: http://sgyounginvestment.blogspot.sg/p/mortgage-consultancy.html

Subscribe to SG Young Investment to receive notification of new posts here. You will receive a Free Ebook "Investing your first $20,000" once your subscription is confirmed.

You can also Follow me on my Facebook page and get notified about new posts.

80 comments:

  1. Hi there!

    Just saw your blog and I am liking it! I too am a "young" investor. I'm turning 21 and I have a few friends the same age as me trading as well. I like finding people whom I can relate to!
    I have sent you an email:)

    Thanks
    Pok Chow

    ReplyDelete
  2. Hi Pok Chow,

    Thanks for your appreciation of my blog. I'm really glad to meet you too :)

    I've checked my email but didn't see any email from you. Maybe you sent to the wrong email add? Let's communicate through email and you can email me again. My email add is sgyounginvestment@gmail.com

    ReplyDelete
  3. Hey there!

    I have resent already. Did you receive it yet?

    Thanks
    Pok Chow

    ReplyDelete
  4. Hi Pok Chow,

    I've received your email and replied you back. Let's communicate through there :)

    ReplyDelete
  5. Hi! I am at the age of 28 this year and i have just read the book 'Rich dad Poor Dad'.. it insights me the way it had for you. i have returned all my accounts knowledge to my teacher and now i want to gain my financial knowledge. Do you have any good books to recommend?
    My ultimate aim is to still live life as per normal without having to depend on my income! :D
    Cheers

    ReplyDelete
    Replies
    1. Hi Peggy,

      Glad to know you're taking actions for your financial freedom. I have read a lot of books on finance and investment. A book worth reading is "The five rules of successful stocks investing" by pat dorsey. There's a new book by adam khoo on "winning the game of stocks". It is sold in book stores all around singapore now. You can check it out.

      Since you're an accounting graduate, I'm sure you'll pick up the skills of investing quite fast. Investing is all about reading company financial reports.

      All the best to your journey towards financial freedom. You can email me if you need more information. I'll be willing to share. :)

      Delete
  6. Hi! I am 35, hope not too old :) I come across your blog and is impress by your mindset of investment at an early stage of your life. Will be great if we can exchange pointers via emails as I am obsessed about finance all these yrs esp so in past 6 mths though I come from an engineering background.
    I also started investing 3 years ago like yourself. I been reading daily news my broker email me every day and weekly magazine the edge. Because of my job change for the last year which free my time, I been also like you started to read lots of books aside from stock analysis and magazines.
    One of my fav is Warren Buffett as a person. A good book I just completed is "Buffett Beyond Value" though its better to read warren buffet biography snowball prior to that to understand.
    Like you, I invest for long term and blue chips only. To add spice, I buy volatile small cap stocks, but only in industry i work in currently. It had work well for me though not fantastic!

    Happy new year for now! Gav

    ReplyDelete
    Replies
    1. Hi Gavin,

      35 is not old at all. Still got loads of time to compound your wealth. Thank you for your kind words. Sure we can exchange pointers via email. Just email me anytime. I do buy small caps also as I think they have more potential than blue chips. Its like an SME which still have room to grow as compared to a big company. Of course must balance with some stable blue chips stocks in the portfolio.

      Its the last day of the year. Happy new year to you too!

      Delete
  7. would you advocate trading in forex?

    ReplyDelete
    Replies
    1. Hi,

      Forex is the easiest to learn but the hardest to master. Nevertheless, I've seen some of my friends make consistent profits trading forex. Its up to individual to discover if they are suitable for it. Hope it answers your questions :)

      Delete
  8. I'm happy that you had since a long term plan and especially at since a young age, as it's not very common i would come across a person our age that understands the importance of personal finance and investing. I would also suggest that you could consider to donate to charity because besides the tax deductions it gives, it is also trait of the rich to donate to charity so that the unfortunate could help themselves.

    http://www.iras.gov.sg/irashome/page04.aspx?id=1274

    Ps: Reviewing a charity financial statement before donating can help a lot especially on choosing a charitable organisation

    ReplyDelete
    Replies
    1. Hi,

      I do donate to charity. The tax deductions are an additional bonus. Thanks for your comment :)

      Delete
  9. I stumbled upon your blog when one of your posts (on marriage and housing costs in Singapore) was reproduced on a Singapore news website. I found the post, and your blog to be very informative especially for anyone who is financially savvy or financially aware. Good on you for the effort on writing this blog. Keep up the good work and research. It is very inspiring, and I'm almost motivated to do the same, and have been thinking about doing it although time does not easily permit me.

    ReplyDelete
    Replies
    1. Hi Jemapela,

      Thanks for your encouraging words. I will definitely write up more informative articles.

      Delete
  10. Hello, I find your blog rich with insight on the financial world of investing that it has drawn views from even students like me. As students still studying, we do not have the capacity to earn a salary. Nonetheless, do you have a guide or some tips for students to grow their money/ advice for ways to invest?
    Cheers!

    ReplyDelete
    Replies
    1. Hi,

      Its better to start investing when you have a steady stream of income. If you have savings of more than 10k, then it'll be a right time to invest. For students, it's a good time to start learning and reading up first. There are many books you can borrow from the library or buy from popular bookstores. There are also free investing seminars organised by SGX. Check out their website at SGX academy.

      If you want more information or guildance, you can email me. I'll be able to reply you more in depth through email.

      Delete
  11. Glad to come across ur blog while doing my asignment, I am 22 this year working and studying for a degree, I also read rich Dad poor Dad this year as my first book. Hope to learn how to start investing as a beginner from your blog as I hv zero knowledge on this and vry keen on the journey of financial freedom! Will definitely be back to read all the post during my free time!

    ReplyDelete
    Replies
    1. Hi Elaine,

      I suppose your assignment is related to finance? We're the same working and studying at the same time. Its tough but its definitely worth it. In these few years, you would have earned and possibly save up an amount which far surpasses your friends who're studying full time.

      You read the book rich dad poor dad at the same age as me. :)
      Its just the beginning of greater things to come. Feel free to read all my posts and ask me any questions you might have. Just email me anytime :)

      Delete
  12. Yes it's an assignment on managing your personal finance. Thank you for your posts, it was definitely useful on my assignment, Thanks for setting up this blog, can't wait to finish reading everything since your first post in 2013. (=

    ReplyDelete
    Replies
    1. HI Elaine,

      Glad you found my posts useful. Hope it helps in your own personal life too. Happy reading :)

      Delete
  13. Hi,

    This is a great blog. Have sent you an email.

    Harley

    ReplyDelete
    Replies
    1. Hi Harley,

      Thanks for your email. I've replied accordingly.

      Delete
  14. Hey I just found ur blog. I'm 19 and I have no idea where to start... Internship made me realise I can't work for life. :( Any suggestions? My email is flameangel48@yahoo.com.sg

    ReplyDelete
    Replies
    1. Hi,

      Thanks for writing in. I'll send you an email to follow up :)

      Delete
  15. Hi i stumbled upon your blog a few days back and have sent you an email regarding my queries.

    Am just checking to see if you have received my email titled "greenhorn to investing"

    My email is wilsonlimws18@gmail.com

    ReplyDelete
    Replies
    1. Hi Wilson,

      Have replied to your email :)

      Delete
  16. Hi there, I have just come across your blog, and it really got me thinking about my future, and I certainly do not want to depend on a 9-5 for my life.

    I am a 21 year old undergraduate, leading a simple lifestyle here. I am a bit overwhelmed by the entire world of investing as I have no prior knowledge about it at all.

    I looked around for resources and people recommended books like The Intelligent Investor and A Random Walk Down Wall Street etc, and things like investment seminars..

    I hope to have your perspectives on making the first step into this journey of financial freedom.
    Contact: yaphc@hotmail.com
    Eager to hear from you!

    ReplyDelete
  17. Hi Han Chiang,

    I'll email you in awhile. Give me some time and I'll get back to you :)

    ReplyDelete
  18. Hello, this is Keith I am 19 and am new to this, have been value investing in local growth companies for several months now and hope to learn more from you.

    Also, I am keen on learning about short term trading and technical analysis to better time my entry and exit, however I am not sure if that is necessary. Could you share your opinions on this? Thank you :)

    ReplyDelete
    Replies
    1. Hi Keith,

      Technical analysis is a useful skill even for long term investing. It helps us to determine better entry and exit points in our investment decisions. But, learning TA for trading is a completely different thing. Trading is very different from value investing. Feel free to email me if you are keen to learn more :)

      Delete
  19. Hi: I chance upon your blog and read some of your posts, but the one that i am particularly curious is how can a couple afford marriage and HDB. In all manners and breakdown you gave, i think you did an excellent job.

    But it could have been better if its as par investment, rather than afforbability - i mean you see, marriage is not exhaustive money arithmetics benchmark to 4-rm HDB or anything more or less - anyone can do the math literally, even have the money, yet still cant "afford" marriage. Why?

    Bec. marriage (+HDB and all matri. assets for the matter) is a concept of vested interest between two parties - something often unknown, forgotten and only remembered again when the divorce court enact this illusive concept in the event of.

    As an illustration, for the marriage to take precedence, even if the couple cant afford 4 rm HDB, for the sake of, they purchase 2 or 3 room flat, then that couple is viewed much better off than those who don't even have marriage, what more HDB.

    If you do the math correctly, the ones that got their houses no matter how small compared to the those who has none, is the worthy investment as vested interest between the 2.

    I suggest, if you dont mind see marriage as an investment, similar to how much you bag stocks, fx, or shares, etc. Your first kid is also investment, similar. because when you're older, you turn to see your own marriage and kids, as how significant you are to have from the beginning. Your own significance i.e. (to your family, society, whatever you're good at) is the one that really equals wealth. Not the porsche, cigars, brands, hanging out at posh parties, etc.. there are significance, I wont deny but you dont need such, really.

    I belong to the generation after you (>40), so I am kinda old school now when I see whats happening to the generation today, I felt lucky to be where I am, however yet as a S'porean, I cant help to say the generation need quite some rehab and re-education about the marriage thingy, sorry to say.

    Sincerely,
    Fellow sg.



    ReplyDelete
    Replies
    1. Hi,

      I would think that marriage and having kids is more than just investment or anything. It is something that we can't value it by money.

      However, planning for a marriage, for a kid is important especially in our current times. Too many people are getting into trouble because they over leverage on debt. People are actually still getting married but end up not having kids or having just 1 kid because they got no money. Their savings are wiped out for their wedding and cpf wiped out for the house. This is what is happening now. If we can go for a more affordable wedding, a more affordable house, then perhaps having kids would not be that much of a concern. If young people learn to save up much earlier in their lives, then they would be able to start a family much easier.

      Having said that, even though I'm single, I'm already saving up for a wedding, for a house and kids. Like what you said, this is a significant part of our lives. Yes we don't need all the Porsche, brands etc. I don't really go for that also. I'm happy and contented with just a simple life. Life is more than just money. Its about the experience. But we don't want the money aspect to end up giving us bad experiences.

      Delete
    2. Im glad you understand the meaning of a simple life. but i can almost doubt even that "simple life" is just not getting any simpler from the way you sound. the ladies of today's generation, some and few whom I spoke with won't exactly buy into all this simple philosophies bec. the show of wealth is just so painfully visible in s'pore. and this is another issue altogether.

      Delete
    3. Yup, I know what you mean. I've been trying to instill the concept of frugality in a lot of my blog posts. Search frugality on my blog and you'll be able to see all the posts.

      Indeed more and more people are chasing wealth just for the luxuries. There needs to be more financial education inculcated in our society. Not just education but a change of mindset altogether. But don't worry, I know quite a few people who are frugal too (ladies included). Even if it means changing one person at a time, financial bloggers will keep writing and doing whatever we can.

      Delete
    4. i hope you don't get me wrong. I am against frugality. that's not simple life which i meant, certainly not at all, in fact it complicates beyond anyone can handle.

      i know a good too many people by the time they reach my age - nice, educated, somewhat frugal - but this particularly good friend of mine since schooldays together was as frugal as anyone can typically get. Funny thing is he has a govt. job that pays around 5K and after he got promoted he earns a fixed variable of another couple of thousand, however due to his frugality, he keeps aside marriage, home, family, etc. all he does is saving. the other thing he does is keep saying im doing this for future marriage, dream house, etc, so im doing the right thing.

      that was around 10 years ago.

      now, where we both are today?

      myself I owned my own "simple" 4 room HDB, along with my "simple" wife we're raising our own small family. we're happy we still have savings. and our flat has risen in value many times from when I bought which was more than decade ago.

      whereas he finally decided to quit the frugal saving regime, spent out in marriage to the girl (more like auntie by now) he's been dating for 10 years, and just started out a painful 600K mortgage to own his first "simple" 4-rm HDB, which is so much condensed than mine. worse of all, his "dream" wife, after seeing the mortgage bills was too scared to put her own name in the mortgage deeds alongside his.

      his savings, the result of decades of frugality goes from beyond a hundred thousand reduced to living paycheck to paycheck. the price of homes by the time he finally decided has gone many times up. he's struggling everyday complaining why is he giving so much into this marriage, when he's better of without it. he wants to go back to his single frugal life again after the govt sent letters for our eldershield coverage.

      Fellow_SG

      Delete
    5. Oh no, your friend must have regretted the marriage. That is not frugality to me. Its being cheap.

      I'm glad you're happy with your simple family. Thanks for sharing the story. In your friend's case, he really waited too long. Most of us just need about 2-3 years to prepare for a wedding and starting a family. Like you said, the value of starting a family is the significance. Its the balance between spending money and saving money. We don't want to go into either extremities.

      Delete
    6. your welcome, although i realised what i just shared isn't so unfamiliar. seemingly good couples falling into marriage cracks.

      well what can i say, you can prepare for as short or as long x no. of years - it all depends not on the guys - the bride calls the shot, she sets the wage. 2-3 years can already be dragging esp. ladies in 30s, a great deal of anxieties and angst is on them. if she really wants to be frugal with that, mind you, their wombs are not plastic. it has wears and tears, it has age limits. and thats another set of finances altogether.

      Delete
    7. That's why girls generally marry earlier than guys. Before 30 for most of us would be a good gauge.

      Delete
    8. yup. before 30.

      more than I can actually count all those people I know - hardworking professionals - IT guys, marketing fellas, teachers and ancilliary civil servants, one is even a top litigator from stat bank side - got married at least after 31-32, bluntly put count fingers in one hand, didnt last long. I attribute this - including their running into financial woes - to their late marriage as the source.

      Delete
    9. Maybe most of us desire to marry early but its may not be easy to find the right partner sometimes. That is another issue altogether. Haha

      Delete
    10. ...and that issue has become national one, one that has got a lot to do with wealth, money, future... foreigners replacing our birth rate. not to mention jobs, business, opportunities, etc, even becoming snap citizens.

      all bec. at its roots, s'poreans "cannot find the right partner".

      Delete
    11. I have to find one soon too. If not I'll be joining the 30 league very soon.

      Delete
    12. Hi, i truly enjoyed both of your conversations above. I hope to encourage my 2 girls to prepare themselves when we return to SG for good after migrated 8yrs ago!

      Delete
    13. Hi,

      Wow that conversation is already 3 years back. I'm now already on my way to marriage. Great to prepare your kids early.

      Delete
  20. Hey there SGYI, you have an amazing blog here. I'm 22 this year and I hope I'll be able to start a portfolio by this year. I want to thank you on behalf of the many people who reads your blog, inspiring stuff. Keep it up!

    ReplyDelete
    Replies
    1. Hi Akhim,

      Thank you for your kind words. All the best to you!

      Delete
  21. I am 43 and have been in market since 1997. Investment is all about hot money at different cycle it will be in asset, cash, bond and stock. The best time to invest is when it is in the cash cycle.

    ReplyDelete
    Replies
    1. Hi,

      Thanks for the experience sharing. Do you think now is the cash cycle currently or is it coming soon?

      Delete
  22. Hi sgyounginvestment,

    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. Hi AL,

      Thanks for your support all these while. Sure i will add yoir blog to my blog list.

      Cheers!

      Delete
  23. hi,

    interesting blog. we have quite similar profile - engineering, by trade but investing by choice..

    just wondering, how did you make the transition from engineering to finance?

    with so many choices in finance, why mortgage consultancy?

    cheers,
    foolish chameleon
    https://foolishchameleon.wordpress.com/

    ReplyDelete
  24. Hi SGYI, I stumble upon your blog searching for reviews for Taiwan trips. I'm very impressed with the rest of your blog besides the travel reviews. Can tell much effort has been put into it.

    Hope you achieve your target passive income soon!

    ReplyDelete
  25. Hey Sgyounginvestment!

    I'm an aspiring amateur financial blogger/writer that just started out. Would u be kind enough to provide feedbacks on my blog or even 1 post? (Or just add me to your blog list) :x Lastly, i truly appreciate what you have taught the public (Including me) about how important financial literacy is.

    That's my blog link:
    https://financialveracity.wordpress.com

    Hope to hear from you soon and have a blessed week!

    Cheers

    ReplyDelete
    Replies
    1. Hi Clive,

      Thank you for your kind words. Great blog you have there with lots of information on different topics. Keep it up!

      Delete
  26. Hi ! Sgyonginvestment ,
    I have sent you the email on gmail address ,,, seems can't get through ..
    I am STE and just starting my blog to share my view on invemeng with fellow investors in Singapore . Since I'm very new to this " world of blogging " , wud appreciate your guidance and advise as I m not so tech savvy .
    I would be much appreciated if you cud add mi blog into your blog list .

    https://stestocksinvestingjourney.blogspot.sg/

    Thanks a lot ,,
    Best regards.

    ReplyDelete
    Replies
    1. Hi STE,

      So sorry but i didn't receive your email. Your name seems familiar and when I went into your blog, its confirmed you are the one who wrote on AK's blog before. I wnjoyed your posts :)

      I've added your blog to my blog list. Do add mine as well. Thanks!

      Delete
  27. Hi SGYI,

    Have u ever try to make $$ from forex trading before?

    ReplyDelete
    Replies
    1. Hi,

      Nope I've not tried it before.

      Delete
    2. would u try it to build up your portfolio faster?

      Delete
    3. Hi,

      I would focus more on stocks investing as of now.

      Delete
  28. Hi I just come across your blog and i think it motivate me to invest as well! nice!

    ReplyDelete
  29. Hello!

    I'm a 24y old and glad to come across your blog because I have no knowledge of the share/stocks etc whatsoever.

    Thanks! :)

    ReplyDelete
    Replies
    1. Hi,

      Hope my blog helps to get you started :)

      Delete
  30. Hi, I am 24 years old this year and came across your blog while discussing with my friend about the cost of marriage. I started to save this year after I cleared my school debt last year Dec and is coming close to my goal of 10kfor this year. Just wondering if you have any idea about what kind of insurance and the best saving plans we should buy to safeguard ourselves at this age financially and in the future. And what is unneccessary to buy. Because there are so many and I don't know what are the ones that I should get now and whats not. Because my insurance agent will just recommended all haha. I bought quite abit? But not sure if they are necessary at all. Would be happy if you could give some advice on this.

    ReplyDelete
    Replies
    1. Hi,

      Sorry for the late reply as missed your comment previously. For insurance, just get hospitalisation and some term insurance for death and critical illness. Remember insurance is mainly for insurance needs. For savings plan, you should build up a habit of saving on your own. One way to do it is to auto transfer an amount to another bank account which you will not spend on.

      Delete
  31. I am impressed by your passive income of 3k, mind sharing how you managed to do it. Through stocks or other means.

    ReplyDelete
    Replies
    1. Hi quitHO,

      Passive income is generated primarily from stocks. My blog does generate some income too though not a lot.

      Delete
  32. How do you quantify passive income. Income where the investment have been recuperated.

    ReplyDelete
    Replies
    1. Hi quitHO,

      Passive income is an income that isn't earned from a day job. From stocks, it is from dividends.

      Delete
  33. Are u 28 yrs old this yr or 31?

    ReplyDelete
  34. Dear SGYI,

    I am currently a student and am hence looking for ways to grow my portfolio. I am confident that my salary upon graduation will be on the higher side of 5k a month and hence would like to understand the basics of investing now.

    I am intrigued by your amount of passive income and would it be possible to share with me your investing tips?

    Could I email you if possible?

    Thanks


    ReplyDelete
    Replies
    1. Hi,

      With the income you're looking at it'll be much easier for you to accumulate wealth. Congrats. Sure you can email me

      Delete
  35. Stumbled on your blog today; very inspiring and I must cultivate that good financial habits of yours. I'm already 36yo this year. :(

    I need to quickly save up and start procrastinating. - DK

    ReplyDelete
    Replies
    1. Hi,

      Thank you! Not too late to start. All the best!

      Delete
  36. Hi, would u mind to share what are the stocks you are holding now?

    ReplyDelete
    Replies
    1. Hi,

      I have lots of reits in my portfolio namely Capitaland mall, suntec, croesus, frasers cpt, frasers cpt trust, frasers htrust, ascendas htrust, CDL htrust, capita com trust. I also have STI ETF, QAF, kingsmen creative, OUE.

      Delete