I will take the market return and be happy with it – because I know the odds of beating the market over my investing lifetime are slim.

Warren Buffett

Chairman & CEO, Berkshire Hathaway

Exciting Times – Smartly Beta & More

Exciting Times – Smartly Beta & More

A really busy month for me. Resigned from my previous job, took a one-week break and started a brand new chapter in a totally new environment with a 100% different job scope. Exciting times indeed! Squeezed out some time to attend yet another gathering organized by... read more
Surrendering My AIA Prime Life Policy

Surrendering My AIA Prime Life Policy

Back in the days when my days were occupied by Sega video games, my parents bought an AIA Prime Life policy for me. Subsequently, I took over the payments of the policy once I’m capable of doing so. Below is the projection of surrenders value provided by the... read more
First Pot Of Gold From HDB’s BTO

First Pot Of Gold From HDB’s BTO

A huge amount of flyers have been mysteriously appearing at my doorstep in recent days. Ah, 5-years is up, no wonder! Remember in earlier post about finding our first pot of gold? Many of us have been generously provided with the chance to obtain one, in case we... read more
My Favourite Comic Strip – Calvin & Hobbes

My Favourite Comic Strip – Calvin & Hobbes

Seemed like I have a fair bit of blog posts on non-investment related stuff lately. Probably due to the short getaway to Hong Kong after I tendered my resignation when I had plenty of time to reflect and think. Missus went on a work-related trip and I tagged along to... read more
Job Change : Well-Wishers & Nay-Sayers

Job Change : Well-Wishers & Nay-Sayers

There is something about a job change that triggers reactions from people in so many different ways. Never mind that hardly anyone knows what has been going through my mind, or the exact scope of my new job, or even where I would be working at. Seemed like everyone... read more

The Worst Thing That Can Happen

What is the worst thing that can happen to you? I really, really like this quote in particular from BeHappy. They sell and ship really cool canvas prints globally – you can click on the image below to go to their site. (image credit : behappy.me) The worst thing... read more
Budgeting vs Expense Tracking

Budgeting vs Expense Tracking

Two weeks ago, my storage water heater promptly stopped working for no reason. The wall switch still shows a lit LED, which meant that the problem likely lies with the storage heater itself – but exactly which component that is faulty, there is no idea of... read more
Taking Responsibility Is Scary

Taking Responsibility Is Scary

You know these ads about investments in MRTs and underpass? As I strolled leisurely along the air-conditioned underground tunnel, I vaguely remember a time when I was rather impressed by them. That was a long time ago when I knew very little about investing and... read more

About Me

Hello there! I’m Kevin, otherwise known as the Turtle Investor. I am a Singaporean in my early thirties, love to travel, married to my lovely wife with no kids at the moment. Welcome to my blog where I write about index investing as well as random stuff related to personal finance. Thanks for dropping by and hope you enjoy reading! Be sure to like my Facebook Page and join our Index Investing Group by clicking the icons below!

Start With The Best Posts


Index ETFs Dividend

ABF Singapore Bond ETF A35 : Annual
a) 02-Jan-2015 >> SGD$0.0305
b) 04-Jan-2016 >> SGD$0.0265

SPDR STI ETF ES3 : Bi-Annual
a) 31-Jul-2015 >> SGD$0.049
b) 29-Jan-2016 >> SGD$0.051
c) 29-Jul-2016 >> SGD$0.042

Vanguard VWRD ETF : Quarterly
a) 17-Sep-2015 >> USD$0.32272
b) 17-Dec-2015 >> USD$0.27453
c) 17-Mar-2016 >> USD$0.28440
d) 16-Jun-2016 >> USD$0.50865
e) 15-Sep-2016 >> USD$$0.3560

Link Exchange

Feel free to drop me a comment or send me a message via the contact form if you’re interested in link exchanging and building up a SG finance network.

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In the 1980s, a famous Wall Street experiment by Richard Dennis taught a group of 23 ordinary people, known as The Turtle Traders, a system to make extraordinary money. In the same light, I feel that everyone has the potential to be a Turtle Investor and achieve financial freedom if they make the effort to do so.


The Turtle Investor believes in Index Investing, and feels that it is the most reliable method of achieving the best returns with the lowest risk. Index Investing is simple, easy to understand and has a wealth of resources that backs it up.



The Turtle Investor is a Singaporean in his early thirties. Married with no children, he has a moderate risk appetite and believes that with sufficient time and knowledge, everyone can learn how to invest.

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