SSB, T-bills, DBS and UOB. Plan for December. Simple.

That is in all probability going to my remaining weblog put up for 2023.

Planning on taking it straightforward for the remainder of the month in the case of social media.

Have been a bit too lively in the previous few months on YouTube.

Now, going to spend extra high quality time with myself.

Having the ability to play three video games on a regular basis on my new gaming laptop computer makes me very pleased.

That’s what retirement is about.

It’s about being pleased.

A couple of issues to speak about.

1. T-bills and SSB.

The Singapore Financial savings Bond being provided this month is providing a shocking 3.07% p.a. 10 yr common yield.

Gorgeous for the flawed cause since final month’s supply gave a pretty 3.4% p.a. 10 yr common yield.

I feel I’ll give this one a miss.

Am I veering away from my plan to maintain shopping for Singapore Financial savings Bond so long as the yield is above 3% p.a. or not?

Nicely, the plan was to switch CPF Voluntary Contributions with Singapore Financial savings Bonds.

I’ve already carried out it with cash meant for the CPF in 2023 and 2024.

2025 is figure in progress and there’s actually no hurry.

Within the meantime,  I’ll proceed to strengthen my T-bill ladder.

The final T-bill public sale had a cut-off yield of three.8% p.a.

Hopefully, it stays there for the auctions occurring this month too.

2. DBS and UOB.

I nonetheless wish to enhance my funding within the native banks.

OCBC is already a really giant place.

So, the concept now could be to develop my positions in DBS and UOB.

For me, the inventory costs so as to add could be between $30 to $30.50 for DBS and nearer to $26 for UOB.

3. Taking it straightforward.

I’ve been pondering of taking it straightforward in the case of investing for a while.

Nonetheless, after a latest recording with The Fifth Particular person, I’ve been serious about it much more.

The choice to retire early was a giant step for me.

I used to be all the time a worrier and I nonetheless am a worrier.

Nonetheless, I satisfied myself that I had adequate monetary assets to retire early.

Then, in retirement, I started to query if I actually did have sufficient.

I continued to take a position for revenue and enhance my passive revenue in retirement.

Lately, I’ve been telling myself to take it straightforward and that I’ve sufficient monetary assets to not have to fret.

I’ve had some success however one thing Adam mentioned through the recording hit residence.

So, I might merely simply purchase extra Singapore Financial savings Bonds and T-bills any more and nonetheless be fairly snug.

Threat free and volatility free.

Do not should do anything.

This might be one other section in my life, if I ought to do that.

To be trustworthy, I quite prefer it.

Anyway, that is all of the speaking to myself for now.

If AK can discuss to himself, so are you able to!

Merry Christmas and Glad New 12 months!