Start Over 시작: Final summary of 2024

Stoks

Good year for STI esp local banks which all 3 rallied more than average 27, 28 and 44% for the year.
Reits are still lagging behind as rate cuts are expected to slow down or even reduce as inflation stays sticky.
With trump taking over in 3 weeks, inflation is bound to come back high give he plans to cut rates and turn on the money printer.
US performance was low compared to SG portfolio due to my constant buy and sell but surprisingly managed to beat SPY but not QQQ.
November was a good month for stock market after trump won the election, sending a massive pump to stocks and crypto related to him.
TSLA went back to aths and reached high of 488 before losing steam, no time for hindsight 20/20, will laugh if it goes back to 200 and those long term investors lost all their gains.
BTC broke previous highs and went to 107 before closing at 93 this year, seems like a 3year bear every cycle before making new highs. Luna vesting is completed.
Given how markets are seemingly expensive and many are calling for a crash this coming year, doubt it will happen and we will still see a green year again.
If not, will slowly dca 2K max every week for 30 weeks if it so happens to have a consecutive 30 down weeks.
Going QQQM and VGT for peace of mind and exposure to US markets. Some IBIT for why not.
Hearsay DBS and OCBC to increase div this year and possibly a special payout for the latter.
Still have around 40K for SGD bullets, hoping banks can increase div so I can lock in the gains without having to sell the stock to realize the gains.
Received a letter from Singlife saying first payout for MyLifeIncome will be on the start date of every policy year which is Mar and Aug.
Upcoming payout will be 1922 which happens to be 3.7% annualized based on premiums paid.
Should things go south, will cancel the policy since capital is guaranteed and SV is officially more than premium paid.
Here's wishing to have a 'good' market for 2025.

Life

Biggest update would be, got my first gen 16570 'D' serial for my 30th this year on Nov.
What an irony give that I told myself no luxury goods motto last year.
So far largest amount paid for something which can only be used by 1 person at any point in time.
Went into local rep tele group, managed to clear one of my Omejas and traded the AP for a Hulk.
6 reps bought this year, best value would be the starbucks. Would have saved alot more if I knew about Andiot/Necoclock.
Sold all my chinese watches for a loss as expected.
Looking forward to another purchase in 2025 if all goes well and I hit the 2nd milestone of 1.5m pf value size.
Other than watch purchase, no large ones were done. Bought a new redmi and managed to get silver for previous and current window.
Next one will start on Aug this year but should be no issues if I continue the weekly runs.
ICT in 12 days, good time to chill with familiar faces again.
Have the feels to learn Korean to sing K songs and also do braces for 2025's resolution.
Lesser styes for this year, total of 5 hope to keep the number to 3 this year and aim to get lesser over time.
Jan, June, Sep, Oct, Dec.
Car is left with 13 months before scrap, next update will be me starting to view a parf Avante from 2020.
Left with about 7 mths about Burden Wang moves out.
Stopped climbing as well for this year, left with 7 payments for AIA life policy.
Investment interest from trader fren has ended, remaining 3K still in progress with pri sch fren.
Wishing for a healthy 2025 for families and friends...