This message may be a bit more personal, but I think it has something to do with investing, financial independence, the usually useful topics I write about.
My brother sends me this message by: (Long post) 1m by 31
Even without reading it, I just thought to myself: “He did fxxking.”
I thought how well Dreamz International went this year, my friend XB’s portfolio should do reasonably well. This will give him a big leg.
I never thought it was going so well.
I am really happy for him. Just happy for my friend Pound. Really relive what an emotionally difficult 6 months has been for me personally.
Both blew off the market these few years. Extatic because of how challenging life has been for them, compared to their colleagues. The biggest role of returns is to buy a decent life to live.
Every time someone asks me: “Kyith, I’m just from the university, what asset management or asset -building advice do you have for me?”
I have written this message for them: how you can become rich (realistic) and remain rich.
This message is in fact based on what many have distilled as the evergreen formula to eventually become rich:
You have to do reasonably well with 3 things in life:
- Earn more
- Optimize your expenses
- Book your return in the long term for the difference of #1 and #2
Ultimately, your money will worsen.
I would tell people that most of us have done two things very well. Most will earn and optimize their costs well and simply give the market a market trend. Some who do not like to lower their expenses, they had to do the other two pretty well and most would earn damn well.
My friends XB and LBS did not have the best career in the situation (you have to trust me). It was about that there is so much optimization that you could do. So they were allowed to do the only thing they could do: Invest FXXKING well.
When it comes to investing, the ‘basic rate’ is that most people cannot choose shares and do well in the long term. As real shares choose and have a good return, they trust enough to be convicted of using more money, to depend on their income planning next time.
So they have to do what we have told our customers of providing to do: keep a strategic (an actival location that does not change too much about a period of 10 to 60 years) and systematic portfolio. Implement this with cheap, worldwide diversified, well -implemented, systematic funds.
I believed so much in that (and still after this message) that I completely turned my portfolio into it.
XB (and also LBS) has built up this entire FXXKING comparison of me.
People would ask me how they did it:
- Should a decent piece of good work income, right?
- Should a high concentration have in something like Tesla or Nvidia, right?
- Worked for a long time in a decent company like Apple and has many built -up shares, right?
- Invest in the US shares right?
- Must had happiness with crypto right?
They did none of these.
They did 180 degrees on whatever rich formula that Kyith came up with:
- Concentrated fewer than 10 securities portfolios.
- Strategic investment philosophy but a high turnover strategy.
- A fundamental sound investment philosophy that requires sufficient efforts and sufficient refinement.
- Hong Kong and Singapore shares (I say shares, but they end with many apparently obscure name Singapore and Hong Kong Small Caps) that have been mocked in the past decade.
- None of your Alibaba, Tencent, Meitan, DBS, UOB, OCBC, IFAST Bullshit.
- Perhaps some of the dead shares in Singapore and Hong Kong that considered you nonsense.
Exactly what I call, pure, fundamental, income momentum and ratings driven, concentrated investing. You may think that I am biased, but because of my lens I have a crazy respect for people who do non-technical charts, not some market cycles nonsense, concentrated portfolio, not happiness by buying something, but just follow a fundamental healthy investment strategy that alone Keep running the portfolio time and time again.
Because in my opinion it is so difficult to do well and do well.
Fxxk the costs.
With Stocks Cafe, which uses XB to follow its portfolio, you can see his annual Xirr. What is not shown in this Xirr table is his XRRR in 2025, which is 157%. Pure dirt.
The capital flow shows how much capital he has injected into his portfolio since 2014.
Negative means that he has achieved money. Probably take money out to attend his Korean K-pop concerts in Korea. Guy Turn a net capital of $ 96k in $ 1 mil probably more than 7-8 years In obscure HK and SG Small Caps. XB is really not lucky at work. There were the days that he complained to me why
When I was asked: “Kyith, if I have $ 10,000 as a new graduate, how would you advise me to invest?”
My experience in the past, based on my individual stock investment experience, would be to split them into two equal chunks:
- The first lump to invest with Interactive brokers In something like the Arrive” VWRA or Judah.
- The second lump, if you have an affinity with an investment strategy … give it a try!
With this strategy you can contrast time what I think is a fundamental healthy strategy that should help most people to build decent wealth (#1) to fulfill your appetite that you could potentially be great in your own investment style (#2).
You have to feel enough pain (which invests enough) to ultimately learn the lesson.
Because deep down, when I had a conversation with readers, customers from different layers of life I know … I always remember that there is XB.
Some of them can become XB and I don’t want to kill their dream.
My colleague Sean Coincidentally, a lecture with a group of young adults gave up on Friday Personal Finance 101: Money Hacks for fresh graduates.
I would be a gamble, his advice would not be something near what XB did. And interesting is that it is not that XB, my friend LBS, do not know these things. They thought this would also suit them. But she threw life a curve ball and they really have to depend on investments to create a path for herself.
Sometimes I can understand whether a prospect, a customer or a reader that I happen to have a conversation with my conviction about the strategy that I think they give them a great chance of success. Some of them will continue with their large investment experiences that invest in individual shares. They can ask about our low planning efficiency and whether we could ever achieve the good return that they could have achieved by investing in the Nasdaq QQQ, S&P 500.
Most readers could feel how buy-in I am with the investment philosophy of Providend in general, but may wonder if my eyes have found the large personal individual stock investment and if I had been an individual stock investor, my conviction would shake.
Well, I have been an individual stock investor and perhaps that is why a reader would always lean in my content (and also a personal conversation with me), because I have seen both parties. And I have seen pure dirty atmosphere such as my friend GG, Ser Jing (now with The Compounder Fund), my close investing friend Nick, LBS and of course XB.
The advice I gave is because I know at a deep enough level how filthy return comes about. My return is not good, but that does not mean that I have no seats in the front row to see great.
Have you ever seen what they look like in great self -doubt? Have you ever seen them ask if they can get income from how they are currently investing in the long term?
I have seen them in those situations and more.
If you want to see that the degree of work XB would achieve a return of 900%, these two post would probably shed light (1 And 2). It is so ironic for me that a person who just wants a decent analyst course cannot get his foot through the door in funds that I doubt has a lot of doubts about.
So yes, I ask you to do what I said, with the lens that these people I mention exists and you can change $ 96k to $ 1 mil in 7 years.
But I think I am stray.
Take an arc XB.
Thank you for the fact that I told people to do.
If you want to trade these shares I mentioned, you can open an account Interactive brokers. Interactive Brokers is the leading cheap and efficient broker I use and trust to invest my investments and trade in Singapore, the United States, London Stock Exchange and Hong Kong Stock Exchange. This allows you to trade shares, ETFs, options, futures, forex, bonds and funds worldwide of a single integrated account.
You can read more about my thoughts about interactive brokers in These interactive brokers Deep Dive series, Starting making it easy and financing your interactive broker account.
Kyith is the owner and some writer behind investment canals. Readers coordinate investment canals to learn and build stronger, stronger power foundations, how to have a passive investment strategy, to know more about investing in Reit’s and the notes and bolts of active investing.
Readers also follow Kyith to learn how to plan well for financial security and financial independence.
From 2004 to 2019, Kyith worked as an IT operational engineer. He is currently working as a senior solutions specialist in insurance. All opinions about investment canals belong to him and do not represent the views on providing.
You can view Kyith’s current portfolio herethat uses his Free Google Stock Portfolio Tracker.
His favorite investment broker is Interactive brokersAs a result of which he is able to invest in the effects of various stock markets around the world, at very low commission rates, without retention, near spot currency rates.
You can read more about Kyith here.
#number