Final summary of 2025

Stoks

STI 4646.21

• What a strong year for ex-US markets, thanks to the uncertainty of DT.
• Liberation Day was a scary one, woke up to see almost 150K drop that day.
• Focus-ed fire majority into DBS, glad that it worked out. Since then a very scary bull till now.
• Not so good for USD, which has fallen more than 5% YTD.
• Went out of US positions since the start of Nov and fully into Asia markets only.
• DBS was an outperformer again, 36% with dividends paid vs 26% ES3.
• Highly likely due to commitment of short term upcoming dividends and potential SBBs if sp goes under 50 next year.
• Doubt to see another 20% performance for them in 2026, would be good if it can hit a decent 10% since sp is too expensive per lot.
• Could see higher volumes if SGX reduces board lot sizes.
• OCBC started to play catch up with more than 20% gains as Q3 wealth performance was better than DBS.
• But banks wasn't the best as all smaller blue chips like OV8 and Z74 all did so much better from the EQDP program i believe.
• US is just unstoppable with the AI and now PM hype, done with it for now unless shit happens which will also spread to SGX and HKEX.
• Shall see whether next MyLifeIncome will pay the same as 2025.
• 2026's plan will be to DCA into LINK and 3416 if market continues to sell them down. 3416 will be a hedge but will be good if it can generate a 10% from it's CC strategy.
• Here's the ending post of wishing for a 'good' financial 2026.

Life

• Quite a non-productive year ngl, didn't do much of stuff in 2025.
• Travel was non-existent, only travelled twice this year. One to KL during Feb and the other to the kelong during Oct.
• Supposed to go TW but fren had issues due to his mistakes.
• Most happening thing was BIL langa my car in June and ended my car ownership temporarily.
• Car condition was so bad that insurance just told me to scrap, bad thing was NCD became 0 although it was expected before verdict.
• Ofc lost out some market value even though most of the rest could be salvaged.
• Got a new car for sista after she realised how she needed one for her stuff.
• Official moveout was in end Sep and MW schedule changed from 4 days to now 2days from Sun night to Tues evening walk to GM' house.
• Had a current stubborn chalazion since Oct and due to position making it hard to poke so just leaving it there till it goes away.
• If it's gonna to be permanent, hopefully it will deter future occurrences. 
• Bought 2 RLX this year again, one on 14 Feb and the other 22 Aug. 16200 and a 16610 which was supposed to be my first RLX last Oct.
• Changed phone from Redmi to Honor 400 lite, at least camera is so much better.
• Next year plan to at least try solo travel and also consider Invisalign.
• Also starting back on stamina improvement and also IPPT trg for next window cycle.
• ICT in 2 weeks time, high high key cannot slack as much but more pay is good i guess.
• Going for NYE countdown, kk la make it compulsory every year but the rest is negligible.
• Sec sch fren will finally repay his debt of 3k next March after 4 years.
• Hope to see 2026 a calm and average year, less is more, if buying opps come so be it...pkl 

Rough estimate from 31/12/24 to 31/12/25, PFDIV will be more accurate

Based on PF value, it is around ~28% gain but based on P/L it will be a 62% gain.

Withdrawal was 10.2K for 2025, some was offset by govt payouts and also PARF rebates.

71KSGD 3.68KSGD 33SGD pro-rated for DIV 2025.

2025 Closing (TIGR changed format so can only do manual)

US P/L 277508.04

SG P/L 647203.83

HK P/L 108456.12

2024 Closing

Proves that high can go higher for now.

R + UR P/L $386960.20

1.2803 USD FX

Precious metals not stopping, DBS reached aths. Last post of the year.

Stoks

STI 4636.15

• As per title, last post of the year before closing post next Wed to sum up entire year.
• First time STI managed to close above 4600 as local markets shot up on Mon and Tues over enthusiasm from US market last Fri.
• DBS went above 56 thanks to the first 2 days of unexpected rally but still managed to closed above for the first time.
• LINK had some rebound to close above 35, not going to buy more above 34.
• Dividends will come in next Wed, hope FX to show some mercy and stop dropping.
• Precious metals continued going higher and higher as inflation and weaker dollar expectations continue to fuel them.
• US markets managed to see some recovery which also means good news for international markets.
• 2.5 trading days left for the year, perhaps one last push into 2026.
• Given how there will still be massive liquidity, 2026 could be another 15% return for SPY.
• It did reached ath today and then sold down, QQQ still has some room to go up.
• Considering to do some weekly US options play since DXY is coming down.
• Bought 1 new small HK CC etf position similar to JEPQ, no wht and could benefit from a flat market next year.

SG P/L 643775.73

HK P/L 114637.50

Up-ed approx 34K from DBS, still waiting for the pullbacks.

1.28 USD FX

+ 3416 

Life

• Went for Xmas party at sista house with everybody.
• Guess this could be a frequent thing next time.
• Did some random cuttings and was enjoyable.
• Not much things till next week meetup for NYE, boring but ya...pkl

Touched 52w high and went down. Fake CPI data for eoy rally.

Stoks

STI 4569.78

• STI managed to hit 4600 for the first time after DBS became SG 2nd RMB clearing bank after ICBC. 
• Based on this, means more RMB will be coming here to be washed.
• Touched 56 and almost 1.7m pf value.
• But the good news didn't last for it as it continued selling down towards Fri.
• OCBC was different, BBs are now trying to push for 20 despite no current tailwinds or new buybacks.
• DBS lost it's 55 support level, should see it trend lower to 54 next week based on 20sma.
• Last buy was at 54.2 using dividend, still got around 55K SGD for slow buys.
• US CPI data came in on Thurs, fake as fk at 2.7% vs 3.1% expected. 
• BLS must have gotten pressured by Trump to pump the markets, another round of pump for all the chip stocks.
• Hope to see some love come over into our local markets as well.
• LINK finally saw some double bottom in the D chart, shall see whether it continues towards 38 or to 33s.
• Not planning to buy above 35 for now.

SG P/L 608049.94

HK P/L 113791.03

Down-ed approx 3K even after LINK div

1.2892 USD FX, DXY up with markets. 

Sold SGX for tiny profits, should have held lol.

Life

• Went to Sista house, made the chocolate tarts using the new tart moulds.
• But forgot about the smaller size and thus tart shell tasted a little burnt as the cocoa powder was over-baked.
• Will have to change temperature and timing next batch. Perhaps 160C 35min next.
• Chrispmas next week but not much happening cause like that.
• Heard that MW was underweight from checkup, weird that he still felt heavy when carried...pkl

Final cut for the year

Stoks

STI 4586.45

• Final cut for the year as expected.
• STI managed to break ATHs as part of the index continued to rally higher except for DBS.
• OCBC also went to ath but me no have, YTD already up 15% wo dividend included.
• DBS managed to reclaim back 55 but pf value is still 9K away from 52 wk high on 6/11.
• Currently being dragged down by LINK, down slightly under 10% for now.
• Waiting for them to release the cash payment option.
• Still down for the week but looks like to have found a bottom hopefully.
• Else buying spree continues next week.
• Cash pile still high at 5% given I sold reit etfs for LINK.

SG P/L 612610.30

HK P/L 90913.94 

Up-ed approx 21K as DBS recovers again.

1.288 USD FX, should see even lower next year.

Bought more LINK as long under 35

Life

• Finished last day of Tarts class at SSA.
• Made chocolate, lemon and salmon tart, will be trying to make a new batch next week at sista's house.
• Went there for a ADJD cook, was not bad but can be improved the next round.
• Drove car back after almost a month of not driving but motor skills are hard to lose once used to it.
• Chalazion still stubborn but oh well, see how it goes...
• 2more weeks to eoy, should be going for NYE meetup...pkl

Nothing much to update

Stoks

STI 4531.36

• Flattish week for local markets, OCBC managed to hit aths as BBs continue to buy them over DBS.
• Added more CLR and CFA this week but in small amounts as cash portion is limited.
• LINK continues to go down with no tailwinds, lowest was under 35 on fri this week after ex div.
• Will likely see 34s if sell down continues next week.
• Div amount still not reflected in PNL portion, CS said it was a choice dividend but def would pick cash over shares at this point.
• Fed meeting next week, should see a cut as expected else markets would crash.
• However, a cut would also mean their economy is rabz.

SG P/L 589678.20

HK P/L 93073.88

Down-ed approx 7K since LINK div not reflected

1.2914 USD FX

Life

• Went for first lesson of tarts, made cheese tarts and potato puffs.
• Surprised to see previous chef in the bigger class of 21, became her partner since class was in odd numbers.
• Last minute trip to Olive for meal with sista.
• Such good timing with spare tarts, may go over next week again since direct bus is available.
• Bad choice to open kitchen window, fking dogshit lvl 3 smoker...pkl