Sadded to miss earnings, expectations were low but results came in lower

Stoks

STI 4937.38

• Gupta power as Keppel continues to hit aths this year, making the index flat despite largest component dropping 4% this week.
• Considering to include STI now into PF if garment continue to pump although getting expensive for some of the blue chips.
• Biggest highlight for the week was DBS earnings and had troubles sleeping on Sun.
• Results came in early morning and all I saw was earnings didn't hit expectations despite record revenue.
• Reason was higher 15% global minimum tax and also lower NIM which was expected.
• Loan interest was still a higher percentage of income vs non-interest income.
• Due to Q4, some of the fees were lower but overall numbers were lousier and even the mighty DBS can't outperform the lower rate environment.
• TSS also mentioned than 2026 income will be even lower than 2025 income which was around 11B.
• Expect a lot of volatility so best to keep DCA at a controlled pace.
• If recession happens, wealth mgmt will take a hit from lesser investment.
• Sold some DBS in anticipation of lower share price in this coming period.
• Did some stupid pf moves and increased basis by almost $1.
• Got new positions into AIMS, FCT and tiny fomo into 9CI and BN4.
• Kena pumped and dumped by BBs for OCBC, cleared all and won't be touching them for now.
• Earnings for other 2 banks on 24th and 25th in 10 days time, looking at DBS result, doubt to see much upside.
• If DBS rebounds on mon so be it, else may just consider 100shares every dollar down.
• Feels like this 2yrs of upside may be over for now, 1x in share price not including divs since Jan24.
• Share price going back to 50 is very possible but I don't want to sell in hopes price will go there.
• Timing the market hasn't been very successful for me, best not to touch it wo any reason.

SG P/L 664236.63

Down-ed approx 60K rabzz

1.2596 USD FX

+ AIMS/9CI/BN4

Life

• Budget 26 will be giving me 1.5K cash this year, best update was 20% in tobacco tax. Take that cb smokers.
• CNY is in 2 days, got to see all the usual stuff again.
• Just going to cruise and take whatever comes.
• Eve on Mon, Day 1 on Tues and lion dance on Sat.
• 1 year anniversary for my 16200, time flies but looking at economy this year, don't think will have any 'upgrades'.
• Have been feeling unmotivated this past week, wondering if the 'money' I have is causing the downfall in myself.
  
• Yes, it's a fortunate thing to not worry about finances but the lack of drive is slowing affecting me...pkl