is it going to this and that because like friends around us at this age are, are like having cancer, so and then perfect like they're healthy they are like they look happy and everything but, they just got it so you also questioned about it like okay like you know will I have it also and stuff


these are things that we always worry about so,


ya correct so I guess really have to be very, optimistic, instead of being pessimistic, yes, have you gone any loss in your life


true, for me (hmm) like you like loss of grandparents, uh, but at that point of time (hmm), , I mean I feel is


so I I somehow I feel is like , at that point of time I feel they're old already so probably is like (hmm) is better for them relief them from the pain also, maybe that's why uh,


I don't feel as much sadness as, as the I mean as it is because I feel is like it might be better for them, that they are not so uh in pain anymore and they actually been through like a, quite a lot and they have uh all the grandkids with them and stuff so I felt that


, it was okay but I'm not sure whether is it because , that's my maternal grandmother, so I'm not sure is it because I'm not too we we don't live together so , not not too sure like maybe it's not as close but I always talked to myself about what if like my paternal grandmother


was to passed away because we are actually very close she was the one that brought us up since young and we are living together, and , for that I just not sure how I I guess the emotion at the point of time during the loss will be very different because I think it's much closer to heart


but uh, I wish that day wouldn't come but I know it will and uh, uh, but I but I also know that when that day comes is , she has really really lived her life, to the fullest already ya but just know whether we can deal with the loss yeah


correct (hmm)


and just now I told you uh actually I felt trapped and helpless when I couldn't get a job, yeah alright, how about for you do you have a time you felt trapped and helpless,


okay, what was the saddest moment of your life


do you have a saddest moment, actually I think I I, I also not really okay I think I have a saddest moment in my life, that is when , something happened and I felt very


betrayed and uh, the feeling is so strong that you felt like, you felt like the knife is like cutting through your heart it was really really like, so sad it's like, ya at the


feeling is really undescribable it really just feels so is like your your heart is like aching kind, yeah but uh, ya so (hmm) when, I mean I wouldn't want to go through that again but it was really at that moment you were so you feel that


, you have like you can't feel anymore then when suddenly, , ya I think that is also at my saddest moment there, I actually thought , the


I mean my lord is there I mean I I accepted him and because I felt so helpless already I felt so like so numb about everything only this, external force can help me, so I I did them the feeling is really very very unbearable so I I wouldn't want to go through that again lah for the sadness moment in life


part two positive experiences, (hmm) first question what's your best birthday present, why, for me my best birthday present I would say would be this year


particularly because, the actually yeah I received for a good news just before my birthday that I was , uh pregnant, so is actually a very, uh, happy news for us because, we have been trying for very long and


actually it was a really a, a a, a blessings from god I think because uh we were actually going to go for our second IVF, just, (hmm) supposed to be in June as well but just before we uh actually uh


we are waiting for my first cycle to come, and then we receive this news so I, I think this is like the best the present I have for myself, what about you michelle, (ppc) can you hear me


get what okay


ya I guess so you're always working


okay alright uh, what is a comfort oh you say first, sorry, oh I say uh what is the comfort food that you can always rely on to cheer you up


for me I'm a food lover, so anything any food also can cheer me up, but uh, uh I think the thing about it is I think our hawker food right like, uh you know like the, fried #hokkien mee# and then Satay the #bak chor mee# all these right chicken rice is really the comfort food that we it's like I mean I won't be tired of it like #bak chor mee# you know keep eating will still very yummy


like is something like you know when you go to europe for long, you just really crave for it you really just want this comfort food the first thing you think of when you actually landed at Changi airport it's like okay let's go for a #bak chor mee# you know for some, going for breakfast so that is for me lah all these will cheer me up what about you


ya and I love Mala food too, yeah you're right , fast food is happy foods


because it's super unhealthy , okay (hmm) okay


ya actually I travel quite a lot, but I think one of the more memorable travel experience I have is actually with my family because is a first family trip that we have, I have four sisters so mine my second sister actually joins us from uh australia


to so we went to japan together, uh it's really our first ever trip because my father has been working like since young like twenty four seven he really got no rest day back then he actually only rest on like, the first and second day of chinese new year that's all so it was really a very precious trip because all of us the four sisters and our parents are there together


and me I I felt like (hmm) is like we going out then we can bring them to go around and enjoy food enjoy the, you know the scenery and everything like spend quality time together in japan uh


, but it was so very memorable because, I actually had a argument with my mum, yeah it was very bad one that we actually, out of like I don't know the trip is how many days but we didn't talk for like, about, two days I think yeah


so it was it's something, that we learn as well because , I think there's different expectations because is the first time that we're travelling together so everybody have different objective, uh about what they want to do, and uh of course I also I realized that my mum will also have her own


own set of like mindset and thinking when comes to travel so I think there's a lot of give and take so back then I was actually quite (hmm), I mean we really never talk is the first time like I think she never talk to me she really never talk to me so it was really memorable in that sense until now I still always tell my friends about it


yeah but uh, I mean it's good at ended up uh my second sister that helped to make peace, like uh and then a whole family is back again to enjoying that trip so overall the trip is still very nice and I'm still looking forward to it like


when is the next time we can have this trip and I really hope it will be soon after the COVID that we all can go travel again maybe somewhere different and we can better manage each other since now that we know we have a experience we know that what actually appease each and each one of us


we know what to do how to plan it I I hope it will be a better one, uh can create even more memorable memories in yeah for our next travel so this is my travel experience, yeah


so michelle what are the things that you're thankful for


yeah I guess this is the thing that, ah I mean this COVID nineteen really make us realize, , I think really everyday we're just thankful that, we are all safe healthy I think health is really very important, because no matter how much


I think no matter how much we have money or luxury or whatever things that we have, if we don't have health we also cannot like enjoy it, so I'm also very thankful lah for that all my friends and my family are all very safe healthy and yeah so I continue to pray that we are all in good health and actually


I'm also thankful that this period of time actually we have more family time together, don't you agree like really families are really spending more time together, like never before and everyone is like closer and having more bonding time together this is also something I'm very thankful for


yeah, oh actually you're right I think this is probably the biggest blessings in disguise as well is a terrible thing


for this COVID but then yet, somehow it I mean I heard from my friends also that this thing make them realize also like, you know they they family is so important and everything and I mean to me as well it it is really like family so important and having someone to be like together to fight through all these things is also very


comfort thing so I I I agree with you this is like the biggest blessing in disguise I'd say, yeah, (hmm) maybe to end off maybe we can say what is , what how would you describe your perfect day


so perfect day for you is not working doing what you can do ah, yeah I guess now that the, it's true that uh I think a perfect day is really like, , having the luxury do not be constrained by anything and do what you want to do so


for me now I think like a perfect day is also like what you saying like waking up at a time that you want, uh with no worries about work anything, , probably you want you can just make breakfast and then watch TV and then uh meet your friends and have a like over a cup of a coffee I think like is very simple but but it's just it feels so perfect right


debate topic


uh actually I do not have any uh HDB loan uh because I do not own a house yet and uh but I have a intention to getting a home loan in the next year to get a house so I thought of


I thought about it to take out a HDB loan because uh HDB loan interest is rates is high uh even though the HDB loan interest rates higher, but it's a fixed rate throughout the year and most importantly I do not have act to come up with any cash beside the deposit of five thousand and the rest can be deducted from my uh CPF uh OA account and balance uh I can get from from the HDB loan


so should I take out uh any bank loan I have, I think I need to make sure that I have enough like maybe five percent cash and twenty percent of the CPF the bank loan as the loan can I think bank loan only can up to seventy five percent


so uh overall thinking that uh I think HDB loan is more manageable in that sense lah, and, uh


(hmm) if I taking a bank, loan in the future I think I will need to see the different package at the moment because given the situation now where interest rate is low I will lock myself up to maybe two to three years fixed interest rates package


and now the average is about maybe one point four eight to one point five percent versus the floating rate is about one point three something or more, so in comparison I think I would choose a fixed rate


at, for this moment lah, yeah


, uh


, yes I'm intending to buy HDB so I'll most probably go to take a HDB loan, I would say most of my savings are in CPF lah so hence I would choose the option of HDB loan where they will wipe out of my CPF OA account


and hence I am definitely going to use a CPF to pay the down payment as well as the money repayment if possible so that on my end I do not need to fork out too much cash lah


(hmm) I would think investing property in singapore is still pretty safe as singapore land is limited hence the land price will be always increasing


price prices has been on an upward trend as well over the years so I think as long as we have holding power and predict price will increase in the future in the long run, uh that's my that's what I think lah


I'm not too so savvy with the investing in shares so hence I think the next best alternative is to invest in property however property investments require large capital so it's not so easy to invest especially where government ruling of uh


ASBD make it more difficult to invest in multi properties and some of the uh ruling that HDB requires so however as far as I'm concerned if I have the means I will definitely invest in the property


so uh if I have the saving and the cash lah uh but I will say start with a HDB first and slowly I'll upgrade from there because after all HDB will get more grant, and also in a way cheaper lah


, yeah correct


uh, uh, because I stay in in a uh, north area so if probably I would get if possible I can get maybe north north area so because is nearer uh to my parents' house and also I'm so used to this uh environment at this area if not uh


the maybe I also quite like the east side yeah


and I, and yes I heard something about this also but uh because I haven't really uh really talk to uh then the HDB uh loan or any bank yet so I do not have a so so called the full details yeah


(mmhmm)


(hmm)


uh the cheap the comparison between the bank and HDB loan the lawyer fees is roughly from what range like


so, oh so other than uh to deduct all from the CPF OA and all that we still have to like fork out uh a bit of cash in a way right


oh


oh okay


, oh okay yeah all these you can do by the CPF uh online also right to assess


sorry uh ya yes of course


yeah yeah actually I heard is not some I think the total amount you uh get the loan you have to pay back the the full amount also


okay


uh not too sure about this


twelve percent is is not a small amount so if if considered doing that that means you must uh really have uh


huge sum of amount saving to get go into this kind of investment ah, yeah


and the second property must be a private also right


so if in a way if want I want downgrade from a private to HDB I have to sell off my private


so if all this down grade right uh is there any effect on the loans, and, and can we go back for the second property can we go back to HDB to loan or I have to go to a private yeah if a second property can I go back to HDB to get the HDB loan or I only can choose private


yeah because uh right now uh I'm single and uh in the near future there's a possibility I'm not going to marry so uh I also heard that uh for single scheme we only can buy like uh two


one room flat for BTO so this this rule haven't changed at yet right


(hmm) okay, but


, uh, personally I would prefer not to take the two room the one room, flat but if I really have to but


because uh, if I get a second hand uh housing I might need to pay out more cash so I'll I'll have to see my budget also if the really budget cannot uh is a constrained to me then maybe I really have no choice then I have to go back to the BTO one room yeah


uh yes, correct, because of the uh I'm not too sure because uh, because of the loan also uh, because second hand resale uh flat the loan will be higher and the cash everything might be need uh I might need to fork out cash lah in a way


negative experience


what made me stressed uh I guess my work made me very stress because I'm in the industry of uh retail buying and uh because of a trend move very fast uh all the things that


we need to get to be done everything have to be fast like sometime we have to do a big project within one month we have to build up the whole project and bringing out the things and the expectation, from uh, the bosses and actually I've been around for this uh


this line of work for many years but actually these three years uh with this company are very stress in a a way because uh, because of the the nature of the job is very stressful already everything must be fast and uh you must be because everyday we are negotiating with a a lot of suppliers so during negotiating part is very stressful because you are playing in a game leh you want to get both party want to get the best of out of it so


this part of negotiating part is really stressful already so other than the the stress part of the work and I get a lot of stress from the working relationship in this company because uh the culture here is a bit uh very different from what uh I used to work


in and everyone is not working as a whole team they're working for their individual team so the as a whole company last time when I were it's like uh the GM were came come come up with a plan


and everyone agreed to do it and the whole company work together and urged try to achieve the sales, to make it happen but in this company is like they want things to make it happen but everyone just, uh so, so aware of their own KPI and become very selfish in a way and


so in all these kind of political it uh working, come uh situation right everyone become so selfish and they just try to like, protecting themselves and uh but in front of the big boss big bosses everything uh we will work together as a team but at the end of the whole whole scene is not this way so


is very very very stressful that uh you have to make things happen that your your your big bosses want you do but behind the scene you have to go through a lot lot of uh red tapes, so day to day I'm in a very stressed mode because even after my


working hours or even of the sometimes I still have to answer a lot of question from the internal party and external party, so it's very stressful so everyday I'm very stress with my work and other than work stress I also very stress with my own personal uh


financial part because I'm on a huge loan and every month, I have to really very uh carefully plan my financial part so every month I also in the stress eh not too sure whether this one will be enough for to to last me for the month and


have to very of what I spend so yeah this also kind of like stress me out a lot, the, money and financial part yeah


then what do you often worry about ,


I guess is the same lah I always worry about money because uh other than I have my own loan to, take care of and, plus the family also uh, like you mentioned earlier the debt is always in debt


so always, thinking at eh when's the next time we going to help him to, to clear again, the debt is like every sometime is some, sometimes he, you thought is over already but it come again yeah so this is a thing that he we always worry about


and the other thing is also worry, I guess health because uh, I guess uh I'm very stressed and uh my health is like not, going very good especially when you're aging also so now at the age of going to !wow!


getting older in the mid life already so is like uh maybe you'll call mid life crisis or what always a worry about a lot of things like the future the career is it what I want and


then the money and then the health whether because as you grow older age uh a lot of things that when you're young you're doing like maybe late night all that and you think is okay because when you're young your body can take it but now, uh because body's getting older and the kind of stress level we're taking


at, it become a it will lead to a lot of uh health issue and, to me health is very important if without health you've got nothing so it's like !wah! this is quite a big worry, part also yeah


yeah I guess


day to day there's a lot of things to worry lah so , basic line uh basically so just tell uh just to be happy and keep healthy lah as possible


ya (hmm), (hmm) yup uh, throughout these few years uh my grand


grandparents uh passed away, uh, is, (hmm), the kind of feeling is that uh is a very mixed feeling because they're all old already and


uh with a lot of health problems so uh, when they passed away is a mixed feeling oh it's good for them because it's a relief they are not suffering from this all kinds of illness like basically although they are living by not living in a good state of life so you have to like stay at home lie down on bed that kind


so to me this is not living in a way of living so when they passed away I'm happy for them they they are relieved from their, so called the pain and the suffering but uh in a way sad because you'll never ever see the the person again lah so it's a very mixed feeling yeah


yes I agree


yeah true, but I guess this is a part that everyone will have to go through yeah losses yeah, okay so do you do you have a time a time when you felt trapped or helpless


oh ya for me uh, uh, uh, actually I always felt trapped and helpless because


naturally I'm not a very outgoing uh and good at talking and presentation thing but my job require me to do a lot of this so sometime when especially uh presenting to uh


doing presentation and uh selling ideas uh somehow you will have a lot of ideas and a lot of things to share you want to tell you want to sell but because I'm a uh, good talker I cannot talk very well and so every time I wanted to sell a a idea up but because due to uh the way how I cannot present it very well for myself so I felt very helpless and trapped like actually I know


how to do it what how to go about, or that it's just that I cannot say in a I can't present in I cannot say beautifully, paint a beautiful uh picture to people lah so sometime if uh some people are very into uh listening to your words and ideas so if they're that kind of person then you cannot paint the beautiful picture to them is very difficult to sell sell the ideas to them so even though you in your


mind you know uh how how well you will go all that, but because uh you can't present it well then you might not get uh, approved in a way so it's very hard to me is very trapped and helpless is very is something that is something that I can I think I can do it I have the ability and capability of doing it just that I I cannot sell it well so it's like this is a thing that I felt very trapped


a lot of time like uh I can't present it well lah so it become like a sometimes !aiya! if sometimes I can do it I can uh I have no issue doing it it's just that the presentation part uh, held me back so in a way uh sometimes when go for interviews like eh you think that you do it well yeah so this this area in


this talk presentation part uh actually help give me quite helpless quite a lot of times ah because uh, in the daily life we really need to do a lot of this kind of presentation or talking out there ya and apparently in this era uh this is what people always expecting good presentation of yourself ya so I feel quite helpless and trapped


(hmm), I'm, , I also (hmm) saddest


(hmm), not really like in


oh


(hmm), for my best birthday present ah uh, uh, are, for me will be I able to get leave because I very able to approve my leave


because uh I'm very very busy at work and uh it's very hectic so uh to get a, leave on my birthday eh I able to rest and do things that I, like, during my leisure time without thinking about work so is a


happy and blessing present for myself because yeah because the rest of the more physical things like the presents whatever present my friends or family give me I'll happy because it's a thoughts


also so to me is more for the leave to able to rest is more on the emotion part uh yeah, , okay so uh yup, it's okay you go ahead yeah yeah yeah you can go ahead


uh my comfort food will be spicy food and fast food for spicy food is because uh everytime when I stress or I get tired I have a very huge craving on


on spicy especially like Mala and after uh as many as during lunch me and my colleague will we were like once in a once in a week we will go for Mala uh hotpot or <mandarin>麻辣汤:ma la tang</mandarin> because we want something spicy to make ourselves more appetizing more relaxing


ya to spice up the life and, for for fast food is something uh since young I loved fast food for I always say fast food is happy food


, ya so ya it's always unhealthy food is happy food, but as a getting older aging try to make my comfort food to be more healthier so I'll right now my comfort food is to blend smoothie


and, okay uh actually maybe uh you can describe one of your, described one of my most memorable travel experience uh actually because I love to travel I travel quite uh


a bit especially the asia part uh actually most ah I'm very torn apart between these two country the first one will be uh south africa and Tibet because uh maybe I just talk about a bit of both lah because to me both is equal


is equally uh most memorable for me lah, for south africa uh there's a few points that's very memorable because before we go into before uh, we planned to go to south africa we bought the air ticket everything and we started to do planning but surrounding all my friends been telling me why you go africa and because I'm going with my two other girlfriends and we're not we are not taking any travel


uh agency plans so what we are doing our own uh DIY travel plans so uh everyone was saying south africa so aren't so not safe like at night you cannot go out uh and is not safe to drive uh along the road all that there's a lot of a lot uh negative uh


feedback from a lot of friends and so throughout the planning of the whole trip is very intense because uh we have to do a lot much more planning that the usual country like when we book uh the result we have to see from the


destination A to B what's the road trip how long is it so in between why or is there any petrol station or we try to not too in between there's a different destination too long because a lot of people told us that the road trip is very dangerous you will get hijacked


or get kidnapped in between so we have to do a lot of planning go to like see the google map, and then do the uh the the the number of hours per trip out there and make sure that we call every single uh hotel to make sure, what kind of facility and uh what's the nearby all that so you make sure that uh the hotel that we book nearby is safe and then uh is not too far from the airport so we know you traveled too far also so before we go there there's a lot of a lot of a lot


planning to do already and, and, when we reached there uh is very uh the first, moment I reached there uh the first few day actually after I reached there travel around it kind of change uh the mindset like everyone is saying oh how how dangerous it


I was like actually is not so danger as we think but weird but you also cannot let your guard down lah because you have to be very careful not to flash our, money and your maybe handphone all that so what what you do there you'll have to very careful but overall I


I can say the African there are actually they're very they're very nice and , I love talking to them everyone was saying that uh the the the blacks are very scary all that uh is a kind of misconception from everyone actually they're very warming and they welcomed us and they helped us and they know that we are three girls travel


in africa there's also in the hotel people they're very friendly they helped us to do a lot of uh bookings all that and make sure that we are safe also and uh so to me is not as scary as what we think and the most memorable part of south africa of course we went to see the natural zoo the wildlife


zoo and is really that kind of feeling is very different and, and, because you just go around the, the jungle with the open space then you see all kinds like the the five kings of the wildlife, and the close contact with the animals is really very magical especially when you see the animals just walking roaming around your cars and then you get to see a lot of animals that you don't see usually in


in our zoo yeah and all come in a pack like you see elephant up like in singapore zoo you see like one one or two elephants or one or two lion but in the African wildlife uh zoo is you can see one whole pack


and it also depends on your luck whether you get to see them or not ya because it's a wild wildlife experience and, and, I also in south africa I did something there, uh, uh is very pleasant and I so surprised I will do that I do skydiving


and it's very memorable for me is because uh I afraid of height and it took me a lot of guts to do this and I never regret it doing it is really, very beautiful and eye opening you can see everything from the top ya so to me this


trip is it's very memorable, other than the culture part, to see the and the own experience of taking a risk to do what I dare not do what I usually dare not to do yeah and the other trip I want to say uh maybe the Tibet


and I went to a Tibet trip is a very cultural trip and it's also not easy trip because of the high altitude all that uh go there we're not feeling too well everyday we have to take like medicine to, equipped it to equalize our altitude


and from, there I learned a lot uh the people there is very peaceful and they very happy and I get to see a lot of uh the culture there that I don't see in our daily life in our modern city because our in modern city we're so busy with all the with work


with all the billboard and all the, so call the spotlight of like, to shopping trend the, fashion trend this are we're all busy chasing all these in the modern city but when you go there you so peaceful you just looking at the scenery it will just blown you away and


the life there is so simple but uh it's very memorable for me at Tibet other than the culture is because we also went to visit uh mount everest base camp all that through there uh I see, like example a few things that it took me away is because there's no water there's no toilets you just really they basically just do do uh box of uh area and you just pee and uh do your business on the ground


and you have no water to bath or even to wash face all that, so they just take the river water and then boil so everything is so precious to them but but the because I stay on uh live with uh family for a night there and they're very simple they just need like family around them then they just chit chat and then talk


looking at at night they would look at the sky together and then they just eat simple drink simple but they're still so happy, be so compared to what we live in the modern city is very different so I get to see a very very different side of the world ya


maybe you can uh ashley you can talk we also mentioned that you also love to travel I believe you travel a lot of countries yeah


okay uh


I'm very thankful is to have good health especially at this uh time this situation of COVID nineteen it involved the whole world since last year november and we see a lot of uh


people around the world, getting this infection and pass off all that, and I am very thankful that right now my me my friends my close friend and my families are all very healthy and still fighting together with this uh infection


and so I everyday I very thankful that uh me and my family and my friends are all, healthy and living happily ah


ya actually during this two three months uh is also very thankful that uh we all get to so called lock down at home


and we get to spend a lot of time with the family that usually that uh we don't get this kind of luxury of time, because every day we have to work and then if during the off day we might go out with friends so we might not have so much time to spend with the family so with this during these two three months


we really cannot go anywhere we just stay home so at home we get to know each other more in a way ya because you'll have to interact more usually we only maybe with the parents at home only got a few hours five six hours, uh of interaction or even lesser than that but during these two three months uh from day to night lah


so we get to know each other more and what uh each other like and don't like and we also get to do more things that we usually don't like we start to cook together and then uh watch TV all that and do a lot of discussion


because we have really a handful of time with us so we really can do a lot of bonding lah is that just that if after the circuit breaker lock down is over everyone start going back to their usual so called usual life I think we might not have the this kind of luxury of time to spend with the family lah


so quite thankful that actually, is a, biggest blessing in disguise I guess in a way lah


my perfect day is I can sleep in and don't need to wake, up early for work just, sleep in naturally and wake up and wake up have a cup of coffee, stare and do nothing and then uh I can maybe make sometimes to meet friends and just chit chat over talk about anything yeah this is my perfect day just not working yeah


yeah


(ppl) yes


financial related topic yeah


, , okay


, ah , yeah yeah, okay


similar I mean I mean yeah similarly I also uh invested in a unit trust recently uh I didn't venture into other things like uh maybe the higher risk kind uh like shares and ETF and so on and so forth uh so personally I will be sharing my own experience about unit trust lah


and uh I my own my own view is that it actually uh because I don't have so much time due to my work commitment I don't have time to monitor to uh to, to look into investments so much so I actually leave it to the experts like uh for unit trust wise they have like a a portfolio so the fund manager itself would


be uh I would say they will be offering their expertise so I just follow their strategy and and uh towards their direction lah, I mean is that is that something that you you do for yourself well


okay


okay okay, okay yeah so I was mentioning earlier I like the the the fact that


that a unit trust is a actively managed uh uh fund so uh I mean it's aligned towards my time horizon because my personal view for investment is that uh I mean I, I can't time the market I can't say like uh it's going up it's going down or what but I'm uh more realistic wise I'll give it a timeframe so for me wise uh I'll I'm I'm looking for more towards a medium to long term


so uh I mean ultimately I'm I'm thirty so in in my thirties so I don't uh expect myself to be using the money so soon and I am keeping it for long term so perhaps a ten years margin but there are some funds that I'm actually looking at more uh towards shorter term like maybe uh one year to two three years


ya, is that is that your similar like your time horizon that you are looking at as well, ah okay


uh nah uh uh just uh just purely into uh unit trust as well as I mean my own insurance products like uh endowment and so on and so forth, yeah so I didn't really venture into uh trading or any other sorts of uh investment apart from unit trusts


yeah but I do I do have some like I do have some uh uh friends that do like involved in FOREX and and I heard about it it's like quite quite uh I would say risky because the volatility is there it uh it can be quite a huge uh like change overnight that kind of things yeah so I'm a bit


uh my my risk appetite will not be suited for that at the moment, nah,


(mmhmm)


okay ya I mean that that that is something uh uh beyond our expertise lah we are more fixated I would say experienced in in uh our unit trust investing so I mean what kind of, platform are you using, like for your for your personal uh investing yeah


yeah okay yeah


okay okay yeah I mean I've heard I've heard of uh fundsupermart uh recently so I actually went into it as well uh previously I would say I I got my investing through uh agents lah through through uh insurance agent, so after that I found out about this platform which I I decided to venture into it and do my own investment


so uh I mean like what I shared earlier I do have a time horizon lah that I work with, yeah so seeing that current market like we we know that this uh COVID thing is happening so, uh everything drop and uh for us for us we we take this opportunity to uh to go inside this uh investment so what we do is I mean for for me I personally feel like uh dollar cost averaging would be a good strategy lah over a long term


but at the moment I'm also like uh trying to go in lump sum because I'm hoping to uh to catch this opportunity lah which is to to see the uh recovery yeah so I believe that this my own uh sentiment is that the the market itself will be recovering lah


I mean I mean that that's what we always do when when uh something happens in a market like for example back in two zero zero eight they have their financial crisis yeah so I think same thing wise it it's a matter of time we'll probably the economy will be recovery, uh will be recovering but uh I don't know when I don't know how long uh I hope I hope it's it's maybe between uh this few this few I mean I won't I hope it won't take so long lah maybe one year two year or maximum five years I mean that would be good lah


ya ya ya , yeah yeah


uh as of now all my investments are on my own uh I mean I mean previously I do have uh do have uh like investment uh done uh through an agent yeah so I mean good and bad is that uh I mean because now I'm more knowledgeable I actually went to read up and I


and I feel like I can do it myself lah yeah previously I've done through agent uh it could be through products, ya like certain products that offer me uh like uh exposure or uh offer me to certain funds which I can't I cannot uh be able to access as a retail investor ya


of robo adviser oh yeah heard before quite popular like everything in the internet now is talking about robo adviser yeah I also heard one of them closed recently I don't know what happened also, yeah I heard that one of them closed so for me when it comes to robo adviser first thing you must make sure that it's a trust trustworthy lah that must be something that you know that in the event of anything happen the money would be


I mean the money will be there lah like the company uh bankrupt or what I don't know yeah do do you invest in robo adviser,


okay, (mmhmm)


yeah , uh like I said earlier probably at at this moment I'm I'm uh because the time horizon is the most important thing for me apart from that uh which I mentioned earlier already lah but the the next thing would be uh being knowledgeable being uh


uh you must understand what are you investing in so I mean my personal view is that I'm actually investing in value added companies ah companies that are that I see a potential to grow so so I don't just see on those kind of very very expensive kind of companies like uh


I mean their their price is so expensive but but I'm looking more towards the long term growth, meaning like I do foresee lah for example ah like let's say during this COVID period I see that eh some companies are uh some, companies I feel will thrive in this kind of environment because uh during the COVID thing we see that oh we have to work from home we have to use uh rely on technology a lot okay uh even uh let's say the FNB business I mean hawkers are all uh


not even allowed to operate but the delivery part the the part where the people order and everything like that, it starts to thrive so I mean just an example only for me I see uh, those kind of companies that thrive in this kind of environment, yeah so so more more towards technology or or what and I invested those kind of uh in those kind of sectors in those kind of companies


I would say maybe dollar cost averaging lah I'll go it I go in every month uh in a couple of uh dollars you just go in every month, yeah that's that's for my long term, yeah okay


okay yeah okay


yeah I mean this this is uh ya lah I mean we have our own strategy uh depends on like I said it depends on the maybe the time horizon so uh, the the best way is to diversify lah I I don't believe uh like like to hundred per cent just park into one idea so for me I I


I go different direction I agree with you I agree with you that we have to do the uh we have to make sure that this company you have to read on the company's uh, uh growth we must make sure that the company's also growing like it can be expensive but potentially it still have uh uh potential to like let's say grow even further so the companies play a part and the time horizon and I think the last part is your own risk appetite lah


so for me I'm okay I'm okay to this after all this money that I invested is my spare money lah it's not like my rainy rainy day funds or my uh funds that I really needed for my daily expenses it's a spare money where I put aside oh why not I just invest


so uh that brings me to the part where I I realized that I am able to take maybe twenty per cent to thirty per cent uh, uh volatility means that today uh today I I opened the I I invest and next moment I see a thirty per cent drop I still can stomach it lah but beyond that a bit scary lah so I would say more it's it's like more towards moderate aggressive yeah I mean what about what about you for your risk appetite


okay (mmhmm) okay


, okay yeah that's yeah can so but I mean I mean because you, just enter into this uh investing thing do you feel like it's it's similar to uh gambling like they always say that uh investing is like a sort of gamble because you wouldn't know whether it's it's going to uh go which direction do do you agree with this then


okay


uh I I think I think it has both similarities and differences lah it it it depends because for me uh gambling sounds like it's uh I mean you are you are going to something without the knowledge uh without, uh control but for investing wise you probably have more control over the uh uh certain things but what I'm saying is you are unable to time the market perfectly you are unable to to beat the market


okay so so that's somehow similar to the to let's say gambling because let's say for example if you were to to uh gamble casino or what I mean the casino is a is the so called the, the market lah I would say and and they are very definitely very strong no matter how you can never win them okay so so for me the only difference I would say probably is the the fact that investing if you are a knowledgeable investor and a cautious investor you know what you're going into uh that is


that is uh I mean with the you probably have more leveraging lah more control lah, whereas gambling you know that sometimes the it's based on the your pure sentiment your feeling your your luck you feel like it's luck and everything so when it comes to that aspect maybe


maybe it's very different from investing already because investing you still can do your homework but for gambling wise uh as much strategy as you can right it still based on on luck lah lah so I I do hear like a lot of people they they have their own strategy but probably that's more towards self restraint


the strategy wise is more towards uh ah I would say maths lah trying to increase the probability that they are going to win yeah but when it comes to the control total control over winning or losing it's, it's actually more towards uh luck I would say it's more towards luck


yeah so that one is a bit different because in investing wise you still have you still can do market research you still can do uh your own your own uh studying lah before you go into something, nah


uh options for cash strapped ah, I don't really know much about options to be honest lah but uh I do know that it's quite uh that means there's leveraging the leveraging factor in it, so you don't really need a lot of money to to go inside uh to go inside it lah it has a leveraging factor so uh that's one thing I feel it's maybe safer for


for investors that uh don't want so much risk exposure, but if you asking me about cash strapped I mean the fact that the person is cash strapped probably uh they have to prioritize other things other than investing lah I mean do you agree with me yeah


(mmhmm) okay okay ya


okay okay, alright can thank you


yeah , negative experiences, okay


, (hmm) ya


for me I I mean the greatest fear is probably the loss of a loved one uh similar to you I lost my dad in a unexpected uh circumstances so uh it was, I mean this month it will be the the death anniversary lah so happen to be four years since he passed and uh similarly uh everything was good everything was fine perfectly fine uh uh like having having your father uh doing


uh things as a what what a father do lah and and when suddenly life happen uh death, death occurs and take the person that you love most, definitely it's very striking, uh it it does traumatize me in certain extent because he he suffered a heart attack uh uh when he's at home


ya so I mean I mean for me it's it's alarming because it happened at home I I couldn't I don't know what to do when it happened because he didn't know that he has an existing conditions, he actually had no conditions beforehand so when it strike it strike uh fatally and and that left a mark in my life lah and I mean probably the greatest fear is not is not really uh in it's not really like uh death


specifically more towards the the loss of a loved one for me yeah it's like it just suddenly you can I don't like to lose things ah it could be friendship it could be like a a relationship it could be, uh the loved ones yeah so for me that's


maybe one of the things in life that that make it so uh, worrying lah because because like even the loss of a pet like when I lose my pet I'll be so upset and so uh so uh sad lah like uh it leaves it leaves a burning mark in in me lah


yeah, phobia ah uh, not specifically lah I don't I'm not scared of insects and everything like that but there is one phobia I realize I realize I might have is the phobia of holes they call it like trypophobia or something like that


like you you see a lot of uh regular patterns of holes, yeah so I don't holes yeah holes yeah so for example like uh if you see those kind of uh uh facial kind of uh, videos of people uh removing the blackheads and everything like that or some some other zoomed in zoomed in uh photo of microscopic photo of uh say uh those kind of holes those kind of cell it somehow give me a very uh uncomfortable feeling you know


yeah, yeah yeah


, okay


I mean yeah, okay oh


okay okay, , right, uh very angry


uh I I would I would say exploitation, that means you get to witness uh people or people exploiting things, like in in this current world we do see lah there are of course events where people are very kind and people are very helpful and everything uh but but there are certain


certain things that I do observe that that is, it's uh something that I really hate lah, which is uh exploitation taking advantage of people and it's very very common, uh uh the least to say like uh in this current world lah and I mean because people are all I would say they want to have their they have certain goal certain have certain uh motives in certain things so when it comes to that


the fact that they are not genuine and try to exploit people does make me uh lost a bit faith lah like in in the fact that uh we do have to weigh uh if the person can be trusted or where be it like a business partner or it could be uh a cooperate like collaboration of uh certain projects and everything yeah


how about how about you for you,


I mean that that's that's probably fall to the fact that the person is uh like a hypocrite right hypocrisy right


okay


yeah but that that is for more towards the uh personal work and everything lah but when it comes to say in in uh world affairs like is there a issue that you feel upset over uh and and you feel like the world have to do something about it


, yeah, okay but I I think something that applies very very uh, I would say applies to us at this moment is probably the I mean coming into phase two right uh people are going out and I mean related to the COVID thing probably that's something that you also experience where like there are certain people that that didn't ah didn't practise social responsibility


so they they actually think for themself and they jeopardise other people's uh safety, yeah and and and and they the fact that they justify their own, the actions, uh with selfish reasons so that for me that is uh being uh I would say uh that means they lacked the empathy lah they don't really think about others they think about themself and and for me ah it that that's a that's a downer because


if a person doesn't think about others in in this uh in this uh current situation and we just uh care for ourself I mean that's that's the reason because it takes just one person to do it and and the thing will escalate yeah so for me I I do feel like that's the side where we have to improve as a society


like uh now even though we see maybe uh everyday there's ten COVID nineteen cases but it actually increases ever since uh after the circuit breaker it actually increases, yeah


I mean the self adequacy part aside uh I I do refer to more towards like uh practise the social responsibility meaning that if they say don't go out uh social distancing they uh there are people that at times try to go against the the rules lah so for me that is


I mean it doesn't take much to to follow the rules but sometimes they just want to test the system or they just, just uh don't practise self restraint lah yeah so for me that that's probably that part lah but uh I do agree with you like some people I don't I don't not everyone has the same level of uh


that they can help they can help someone at the same level like even a donation a charity but not everything is about monetary lah so I I do feel like the world has to do something about it by being more uh uh probably show more empathy, I mean that's that's what I I feel lah


ya ya,


, , I mean I mean uh there are there are tough times ahead yeah I do I do see that uh this probably will take some time to fully recover uh some couple some countries has already uh uh overcome


uh but but, like I said they're probably this has something to do with our community cooperation lah we have to we have to really stick to what what is told and everything and not and not try to uh push to the limit lah and if we if want to really move forward as a society probably the first thing we do is to conform to certain uh safety and health health


health uh safety measures lah I mean that's the very basic as a human we should do to help each other, yeah, yeah what about that part yeah


angry to watch I mean too I I like I like you I watch too many movies lah but if you ask me to pick one of the recent one I would say I watched this korean show called , life of a married couple I think uh it's a korean movie uh about uh affairs and uh


like uh cheating and uh that kind of event lah of uh husband and and wife lah so when I actually watched that it, uh somehow at certain certain scenes it got me really really angry because of the I mean it does it does uh reflect how ugly things could be


uh behind behind the scene it could be the the the couple the husband and wife the family looks very happy and everything but behind the scene they are actually uh uh doing things that, that is affecting lah affecting the children and everything like that so I mean that's that's something that really disgusts me lah


oh okay


okay


, I think that that goes into more I would say uh more of a racial or probably like a


it it is a more severe thing lah because because yeah, definitely yes yes


okay, ya I mean the I I think you are referring to the to the uh recent event lah the policeman ya so so


for me I also feel like this is uh uh this something that has been existing in our in uh society and has to be has to be err, done lah has to be kicked out lah of the society because this is definitely something that shouldn't exist at this moment it's hard to prevent but uh we do see some people doing it as well and and that's that's the ugly part of life lah like uh you do see this kind of events and and it's hard to kick out


it's it's very hard to remove but but uh the best that we can do now is to I mean to do our part everyone to do a part and and uh say advocate uh anti racism, yeah, I mean even even to the aspect that some people


like, find fault in everything like for example when someone just put uh black lives matter right it for me it's a perfectly fine statement because at that moment it's about the uh the black life being oppressed and everything like that but but there are people there are certain minorities that say oh why should you put uh black lives matter so why not all lives matter


that kind of thing so it's it's actually finding faults out of thing these are these people mentality is just to find faults uh in everything that you do and that that is something that is very it's it's hard to remove from life lah because there are certain people that does this kind of thing and that disgusts me lah


, definitely I mean, there are times where people are helpless uh people people in need of help but you feel helpless probably because of uh the fact that they experienced uh health conditions like cancer yeah so I do have uh loved ones that uh experienced cancer experienced health issue but


uh you feel helpless you you just you just couldn't help I mean even specifically to my in my dad's situation I I feel like I couldn't help, ya so so that is actually that is actually uh, something that really really uh I mean you wish you can do everything you wish you are well equipped in in the medical equipments you wish that you are well equipped with the skills of uh CPR and everything like that but uh things happen so I mean that is something that really


make like uh traumatised me lah, yes, yes


positive experience, yeah, I mean we we I mean we always see the quote that uh I mean it's always good to be alive uh and and I mean uh to be to be because instead of being an animal an insect or or plant or an object yeah it's good to be a human alive and trying to achieve your dream so


I mean the fact that we are alive we are able to breathe we are able to uh feel I mean it's it's a really amazing thing we have, uh we are like I know I know I've seen I believe you've seen some quote before right it's saying like the chances of being uh, a human in in in earth right it's it's uh very very slim so for us for me to be alive is is a is a good thing lah I mean life is good and bad lah but definitely the the positive side is that we do have uh you you will get to feel more things


you get to experience more things so I believe we are both, we are both thirties years old mah right so so still have a long way lah , yeah yeah


yeah but apparently that that makes it so exciting because like uh we are able to troubleshoot we are able to critical uh thinking to analyze things


to to feel things so so in that in that form like those challenges happen to be making life interesting instead of being very bored, like I mean we can compare certain certain phases in life whereby we get to experience different feelings for example I mean in the past we just go to school when you're young you go to school and if it becomes a process I mean kind of boring because you keep on going doing


back and forth the same thing yeah but uh the the back then when you're young you don't really think much about uh about the future lah so I mean study you are told to study so you study, but along the way I mean because you are experiencing okay you maybe learn from people around you and everything like that that's I think that that is why we are both like uh even though we go the same path we maybe go to uh uh say secondary school junior college university so on and so on it's a standard path but


along the way we experienced different thing so that makes it so different make make us evolve differently and and experience different thing so for me the fact that we are all different all very unique and we respond differently to things, and it makes me feel very excited to embrace the challenges lah up ahead yeah instead of being boring like just sticking to a routine


and just doing the same thing over and over again and you don't feel the euphoria or or the happiness in achieving certain goals, ya correct ya but for for you, sorry for for yeah


skills to be proud secretly proud to be having ah uh, I'm not sure whether this is secret secretly ah because I do I mean it's not really a a physical skill or what it's more towards like the ability to be more to feel people to be more


uh empathetic and and understand deeper so for me that that is something that I realized I do have I do possess uh how does it help me , good and bad yeah if you feel too much sometimes you can be very sensitive but it I use it to my to my uh to my benefit lah like I'm able to feel people I'm able to understand them so uh people around me feel like uh I do truly understand them and care for them


yeah what about what about you do you have a do you have like a, certain skill yeah,


yeah yeah


yeah, even with the the existence of uh google map they they can't really , ya, but I I mean it it it shows that you are a very good uh travel companion lah yeah you do I mean if I if I were to travel and and someone bring me around without me uh looking through the map to to guide them I mean it's also a very good thing yeah


okay , yeah but but speaking about the your your skill and everything like that uh I mean in life it's it's you are able to use it to to guide you in in in the form of like uh holidays and everything like that lah but in in in let's say personally your own uh ambition and everything does it help you


because having a good sense of direction it it does reflect that a person say they know they know what they want is it is it that is it like that for you, !haiya! ah okay


okay okay , uh I would say yes it depends on the mood ultimately if I sometimes I I I choose to unwind uh if I feel


stress or I feel uh uh I need I need uh to unwind okay what I would do is uh workout so I mean sweating uh perspiring it out everything it helps it gives me adrenaline it makes me feel like uh energetic and and, uh like I am achieving towards one step towards my goal so that is one way I unwind uh other ways I might be engaging in sports like I love I personally love football soccer I love to play soccer uh so I I get competitive in that aspect lah and and it gives me the confidence and


and the I would say the joy in in playing so on other days I might just want to uh, chill with uh like chill with a nice scenery maybe sip a cup of wine uh a glass of wine or a cup of whiskey yeah that's that's my my way of unwinding lah


okay, ya


ah okay okay what kind of what kind of what kind of genre of movie like uh uh do you usually like to watch


yeah, historical movie ah okay


okay yeah I I mean, I I I get what you mean because I I like those kind of movies where it has an element of truth in it it could be like a let's say one hong kong movie about the firefighting uh firefighting so even though they it's it's a movie lah but


they reflected the it somehow you can feel feel that because it's based on a true event it it gives you a lot of the fact that uh this thing actually happened and it makes you uh probably learn from certain lessons that they they taught you, so yeah I I I do agree that uh having watching movies could be a form of uh relaxation okay


but hello,


hello hello hello hello suddenly cut off, still


same for me is it mine is still ongoing, okay, okay


yes, yeah so which part of asia yeah correct surprise surprise in life uh


somehow I I I'm not a person that get easily get surprise because somehow I can maybe like uh anticipate certain things lah like birthday surprise uh or what so I mean the greatest surprise if I were to have to choose probably is uh uh certain birthday gifts that I have from people that uh that care about me lah


so I mean I do expect I do anticipate because when a person ask me uh what's your address or stuff like that I probably know that something's going to come my way lah but uh I mean the fact that the the gift is something that I didn't expect it could be a uh like a uh


I I myself personally I don't use branded stuff I'm not a person that chase after brands uh spend money on expensive goods but uh I got a gift uh uh this protega, wallet so uh for me it's probably the most expensive wallet that I ever receive lah and and that is probably the greatest surprise I have in in so far in my life lah


, , !wow!


oh okay, a key a key for freedom , ah yeah


okay okay, , ah yeah


I mean in in terms of uh in terms of tangible stuff yeah it's it's for me uh these these are like for example receiving gifts is probably one of the biggest surprise lah, but there are other areas that I also do have uh uh surprise it could be like uh from travelling from experiencing different culture lah so so for for your wise you do you have like any specific uh uh recollection that


that uh when you travel you had something that surprised you like could be the culture a unique culture of a certain country, !whoa!


okay


ah ya okay <NEN> or something like that, okay


yeah


yeah yeah I I I've been to korea a few times I the very first, time I went korea was from a school trip so it is the most one of the most memorable one because I it's my first time going there and that was during the the start of the K pop thing


ya the K pop craze so when I go there I was like uh quite surprised that not everyone looked like a K pop star and uh ya and but, but like I I went to specific like uh places like the DMZ demilitarized zone which for me is a very uh I'm very amazed by the fact that there's a huge space in between north korea and south korea


so I I've seen the in the movies and everything like that but I've never been to the place before until uh this geography trip that I went okay so so yeah so, no no worries I'm not entering the the restricted zone I'm just at the tourist area so so it's quite it's quite amazing because uh I get to be at places where I've seen on TV only like uh like for you you said about palace and ya I also quite amazed by those kind of palace uh in in korea


because they have similar like uh ancient history wise is like is like a bit like china like that that means they have a emperor like emperor empress that dynasty kind of feel okay but the the fact that they they built everything through, their own uh their craftsmanship is so good so precise right I'm like oh I I myself personally not a


very Artsy not very good in art so when I see someone do something so amazing it's like !wow! it's like uh it's not even the work of a nature it's it's the work of of mankind so for me it's very amazing lah, but if you really ask me to choose one that leave me in awe like really really uh uh the best experience in travelling I would say it's my graduation trip because I've been I've been to three countries straight for uh uh thirty days twenty eight days specifically it's uh japan korea and taiwan


ya and it's not the it's not really the mainstream kind lah I don't go to, just the the the the urban area I don't go to the town area I go to the areas where they have uh let's say crater you know the the Jeju where we went to this area that there's a crater


crater like uh after earthquake there's a very huge hole but and it's filled with water and and the reflection is so nice, so for me those are really interesting thing you don't see in singapore, like singapore you see all the uh you don't see nature that well lah


about the like #bukit timah# nature reserve which is one of the highlights in singapore uh when it comes to the nature nature park lah, uh but in overseas it's overwhelming because you get to uh enjoy the weather as well, yeah so uh different kind of with the four seasons it's it's amazing lah


yeah, , , ya ya correct, oh yeah yeah


yeah snow highlight


luckiest or proudest moment ah, uh let me let me let me consider


I would say, probably I mean this is not a greatest achievement in life but it somehow I do feel very lucky to be experience it is is uh during my university days where I'm playing for hall sports, and I have uh like it was it was three years of uh because it university is four years so for three years we couldn't make it to the


to the #sepak takraw# uh finals we always uh choke up in the semi final okay and and uh just a headstart like we are not uh the the my hall itself is not a really a sports hall that means there are other dominating sports hall, in uh they are very good in sports but we happened to be the underdog and we are always trying to fight out of the semi final berth


so on the fourth year I mean apart from hard work and everything like that we do have a stroke of luck, uh because for me it's everything that works along the align with me lah like if you work hard you will you will work for the luck so I I do feel very lucky to be experiencing because I was one of the batch that uh experienced being the final and winning the final


and at the same year we also went to uh soccer, final for the first time in my four years so, for me that is like a a collection of hard work and and luck and, it left me a very very positive experience in my uni life yeah what about you what about you


, , ya , oh okay that's nice lah


okay yeah, and thank you


financial related topic, okay so I'll go first so uh okay uh


I have I have experience in doing unit trust and unit trust to me is like uh putting in the money in and leaving it there to grow uh and you yeah you will see how how how much the growth will be lah actually


so in in leaving it to grow there right there's no fixed time so there's like a uh can be short term or can be long term it depends on, uh how much I I would actually uh view view it to be actually either performing or under performing lah yeah so what oh what what about you ah


(mmhmm), yeah so so for shares right so why why I don't do shares is because I I've heard from my my friends lah uh whether true or not true that for shares when you want to buy it's easy but when you want to sell it can be quite difficult to sell and


if let's say the market do freeze and don't allow you to sell, so your the value of your shares may fall by the time you can actually sell, yeah so and and usually people who do shares they do trade in a high amount and so having limited capital so I don't really uh venture into shares lah and


yeah as as for electronic uh as for traded funds ETFs, and I don't really know much about it so that's why I also don't do them either lah,


(mmhmm), ya actually for me now short term is is uh is what I'm looking at lah


MP three to five years yeah that's because of maybe incoming uh or rather I do not want to over commit because I may have commitments in the future that I cannot foresee yet so so as of now is the short term is good lah so what about what about other products do you do like uh committee FOREX or futures


okay so I mean


all right so my my experience on FOREX is I had this one friend uh who I who I actually knew uh while serving my army lah so this guy is actually a full time FOREX trader so he doesn't work at all he just


sits in front of computer every day and look at the market yeah he really trades in and out, he does big uh, big time trades at least like I'm not too sure but I believe it's minimum hundred thousand for him at one shot and so I would he I was like asking him uh more about this back then ah it was ten years ago memories so he was sharing to me that actually


FOREX FOREX is like trading in currency so in a way a zero point zero one grow or drop could mean a lot in a matter of seconds and because the currency moves uh every minute, and at the end of the day it could be uh it could be it it it could be a huge profit or a huge loss also lah as well


so so commodity wise I I commodity is like gold or silver and what I know about them is pretty standard lah just, follow the price lah this one I not sure if there is a faster or or easier way to trade there but if from what I know it's just like buying gold and


and then see the price whether it goes up or goes down lah yeah but I believe over the years gold did, uh went went down and now probably it's already uh came up came back up lah from where what what I last saw the price was, yeah so


well for, actually for for my unit trust right now I'm actually using uh fundsupermart so uh yeah so that it just uh I find the platform just easy to use lah or uh anyways is uh one of my friends actually introduced to me lah


so since it's easy to use and I just trade without hassle and I I just went went ahead with it lah and just play around with it ya,


ya it just that that's true that's true because right now I also believe that we are in the recovery phase the market so it's actually a good time to do our so called small time investments lah , okay but in in yeah in any case so do you actually I don't I don't use uh do you have uh let's say adviser to help you do with your investments current investments now or you are doing your own


then have have you heard of robo adviser, oh


(mmhmm) yeah actually I no personally I also do not I actually I don't know what is robo adviser but only


so to me is I I I okay so in the news that one of my friends did mention to me about robo adviser where this one person will help help you manage your funds but it is because it's like doesn't even look like a big company to me so I personally I don't I didn't


find that this person is actually quite credible yeah so I I didn't actually go ahead with it lah or or did any any research on it lah for a matter of fact, right so what would your investment strategy be like


but okay so so actually so mine is actually slightly different from yours lah for me it's I other than just the name I would also look at, where their uh current, so called market value lies lah so slightly different from yours you will still put in uh if it's even if it's high you still put in as long as you believe that you you think you


grow lah forever uh however for myself I actually look at uh how low it was and how high it is now and then whether I whether I start, or to invest in this or not is it will be based on


where the market value is now lah so like recently I I I was looking at this uh this this this fund that is actually at is probably one of it's lowest, right now as compared to when it was high so I actually actually started to uh make my investment into this particular fund lah yeah so


I mean, unlike you want to hold actually go and check whether it'll grow or not mine is just more more simple lah ,


(mmhmm) , so for me I'm actually just starting I just started so uh it's like more like uh trying out and see where it goes for me lah so instead of just like setting aside a a fixed monthly amount in my on my own I just leave it there lah instead of leaving it in the bank I just put it inside


these one one or one or two of these funds lah just to see where it goes yeah so I'm actually really new to it and I'm just trying it on my own yeah so


, yeah so in in a way of course uh one way to look at it is


both are not not guaranteed right so you also wouldn't know whether whatever you put today will it earn, the only difference is the time frame lah so uh gambling is more like a five seconds ten seconds or one minute thing


as compared to investing which is like one year six months (uh huh) minimum six months I guess, up to like ten years kind of a thing yeah so so some of the aspects is similar is is that I I believe lah both uh both person who's looking in investing and doing gambling both are trying to earn money


just whether a fast way or a slow way or uh luck by luck with it because both may you may need some luck, investing the luck is that eh you got you got your views right, this company really grow at end of the day and you know your money's is is growing as well along with the company yeah so it's kinda like gambling to me whether you guess correctly what why opens and close or whatever so what about you do you think is like similar


(mmhmm)


okay so I heard that actually options are are for cash strapped investors do you do you know anything about it


(hmm)


mention about it I personally I don't have I also don't know what is options lah it's more like someone's trying to introduce me uh more, you know different alternatives lah yeah so I eh yeah but I only know that you know it's it's related probably related towards stocks and shares should be


yeah so you may need like different accounts to do it [lah] like C_D_P yeah whatever


you okay okay, negative experiences all right so actually my greatest fear is death right so


dying is actually my greatest fear I actually, uh actually I think of it most of the time lah especially at a time like this where uh every day you see people dying so actually even my dad passed away last year, so I was quite


sad and scared of course lah so but personally if I mean my own personal fear I've always been afraid of death lah and that uh so every time I hear someone died because of uh heart attack or or fall down you know it can be life can be so fragile that you know can just fall


one day and just passed on the next ten minutes later or even have a meal and maybe just half an hour later also passed on so, and I I never know like when is my time coming, and whenever I think about it I also get I I really get scared lah so what about you yourself


(mmhmm) so do you do you have any phobias


holes like holes, (mmhmm)


and so uh for myself right I have a phobia of getting into a swimming pool or actually water in fact lah I mean of course not not bathing but like swimming pool lah swimming


because I actually when I was young I actually almost drowned and so ever since then I I actually don't dare to go swimming so over the years of course I tried to overcome it, and, like like during army you know they teach me how to swim and all but I couldn't really manage to get it get the hang of it so and even now I'm I think I'm okay to go swimming pool but I probably


will not be able to learn swimming I mean I I guess it's quite tough for me to learn uh could be mental issue or whatever even though I I find it I don't think it's like that hard or whatever but, it could be mental block already because I already almost drown once I was uh being pushed into a pool while playing with my friends lah but because uh back then I also didn't know how deep or whatever and didn't know I don't and didn't know that I didn't know how to swim as well I was very young lah actually


so I almost drowned lah and twice in fact twice, uh the first one was quite lucky actually I dropped right to the bottom but there was a ladder next to me so yeah I climbed that ladder like literally climb ladder because I was at the edge of the pool lah but uh err I was very young at the time like nine years old


so I was nine years old and I was very short, so I dropped right to the bottom of the one point one point eight one point two meter pool I guess, and, there was a was a ladder next to me that I actually managed to climb up yeah I didn't even know how I how I even get past it


like managed to open your eyes in the in the water and then you know just climb up the ladder also but oh well but yeah so so that's that was my experience of life lah until now so I guess uh water is something uh swimming pools is something uh not not for me lah


so and also uh other than fear do you have uh any you know any moment where you were very very angry instead of or being frustrated or angry either one


so for me I'm maybe not so noble to think of uh other people's uh needs lah but but if you ask me being angry so, it's not just an event for me but rather, so I believe in principles so if let's say uh someone says that you cannot do this because it will lead to this and when when that person actually does it themself I will feel very angry because I I believe that you know you you you don't you don't preach what you do yeah


so in in this, yeah so so, and and because of this right I I feel that uh so there was one time where you know


someone actually told me to to do some to do something about about uh about work lah so it was a work thing so and so I I was supposed to do a report and the person was was delegating work to me saying that uh


, you you actually have to do this lah right so and and also gave me some points how to do but you know when when it comes to the person working themself the same the same thing they actually did it differently lah but of course maybe work wise you I also I was frustrated it's because


I mean the person could have told me an easier way or you know a different way or maybe don't have to restrict my way of doing things but yet they that the person did it lah I mean I was new and all but uh so it can't be helped also lah maybe but I I just I still feel that it was I was quite angry about that lah


like I said actually I'm not very noble I don't really, don't really dive deep into world affairs or uh something bigger other than my own bubble lah so uh


(mmhmm)


yeah so


, yeah so it's actually it's actually quite hard to care for others if let's say uh the the the the same situation it isn't isn't already uh so called taken care of for yourself lah like me example if if I I myself as example let's say my family has not enough uh food or money


so I won't be able to help others as well so in in this sense that I I believe that it's not like they don't care or whatever but it's just that maybe they also cannot help much so they actually don't care because they can't help or they can't they can't change a thing


yeah correct, (mmhmm)


so actually yeah so in in this this current situation my uh I'm just worried how how long things would uh how long this will this go on lah I mean of course we I'm sure everybody wants this to be gone as soon as they cans but I I also have a feeling that it will not be gone so soon


so and I'm afraid that if this goes on uh our jobs and lives will be affected very very much lah and and once it's it's it's going to pick back up right, things will become more expensive like I so I'm our standard of living will be one notch higher again because inflation again so it it might be even more expensive than before this started


yeah


(mmhmm) so so do you, do you do you have you know an image or a scene when you watch a movie and you got really angry to watch


so as for myself right so there was this scene I was watching uh it's actually quite few years back lah so this the quite and it's a quite popular movie so it's #ip man# #ip man# two actually so uh the last fight scene right was fighting these uh uh british or american boxer lah ha


so so so during the the but the build up build up that made me angry was that uh how this how this person uh keep keep on so called uh looking down on the chinese community and that more and saying that they are weak lah and all


and you know so much so that, when #ip man# actually defeated this person uh there were actually moviegoers at the theatres ah people start clapping and like cheering, so uh it it was you know it was like I mean but of course from before


before we actually you know saw it witnessed #ip man# defeating this person we were we were feeling like this person should really be you know punished in a way you know like so angry that he should be you know beat down to a pulp or something, yeah


ya it is some you you you get a very oppressed feeling lah so you get an oppressed feeling you know ah it's supposed to portray that lah actually so and it ya it's actually it happened long long long ago so it's it's not it's not it's not it's not it's not unreal it's real


so even today uh there'll be some oppression just that we do not feel it or we do not really witness it yet lah but there are oppression going on lah especially the US what right now so singapore in in


yeah correct but


so, (mmhmm)


so, so do you do you have any a time where you were you actually saw someone in need and unable to help them


so but uh so coming back to me right so I I feel that there was so actually I okay so you know that there are beggars in singapore, so you see them on the streets trying to sell tissue,


okay I won't say beggars lah but more like they're they're really poor thing right now so that maybe in a very poor uh condition could be family issues or you know just whatever but okay so what I'm trying to say is so there are people who are sitting on wheelchair playing music uh trying to earn some money or they're just trying to sell tissue to make money


so I when I was travelling to cambodia okay then the people that actually beg are very different kind of people they have so so there was this one place that I went to but I do not know why there are there are such people there lah


so there was this this this temple we went to visit uh but during this at this place right so there are like people who lost their leg lost their hand like and they really just crawl around not even in a wheelchair like lying on the floor a bucket


so it I was shocked I was shocked of course, but you know it's an experience for me lah to to see that, uh it's very different from what singapore is lah actually singapore, I would say even the beggars here are very comfortable they are very well in a way very well taken care of the people there are very poor thing and I cannot help them because I know that no matter how much I help I couldn't help them one


positive experience all right so what makes you want to be alive as a ya human being, yeah


so so yeah I I I think , this this this feeling or rather this uh so called human ah life right life is actually one word is yes quite amazing other than other than amazing I feel that it's


it's like uh it's like okay you always wonder like you know where uh where do you come from you know uh standard questions lah, like how all these things was created you know then you'll be really you know then then uh


it's it's it's more like trying to you know uh do the things that you're being told then actually staying alive also uh has its pros and cons right you can like you say enjoy and all but there's also times where we think that


uh there might be some challenges ahead like we need to overcome also lah, yeah yeah


ya


true so what do you what do you think that you know do you have any skill that you're actually uh secretly proud of having


so yeah so for for me right I I think that I I have very good directions lah so I mean uh


if I compare around my own my own friends right my own circle of friends when whenever, uh we I mean in the past lah now probably may not be relevant but ten years ago if without smartphones people asking you where to go here how to go this there and that I was I'll always be able to answer how how to travel one so I'm actually and because I have a good memory


I'm able to actually remember uh like let's say I I, I go where go to this place before maybe by car or whatever I can still remember the road and I remember how to travel after time so even if I'm left alone you know I can always go to the place on my own without without much uh much help needed lah actually I didn't even need any help lah yeah and then


of course seeing my friends sometimes they're like telling me that eh they actually get lost they're very bad at directions you know they don't know, uh where to go or even how to go or maybe now actually even now with the help of it's map right some people don't even know how to read map as well I so I mean


yeah


ya it's it's not a talent or whatever lah but I'm just you know happy that ya you know at least I won't get lost lah , yeah


maybe maybe actually uh not not too sure of that lah but I know that I can plan things well that that's a that's it it may come along with that I'm not so sure but yeah I know I'm a good planner, okay so do do you have a favourite activity to actually uh relax unwind


okay so I mean uh yeah lah but I know exercising is a good good uh activity to unwind but not everybody's so hardworking as you lah so I'm actually quite, quite lazy and I mean even though I try to tell myself to run often


but I end up procrastinate lah so end of the day I think my my most like since young lah I think my favourite activity since young is just to uh watch a movie you know, just stay at either stay at home or go theatres lah but but either way is I like to watch movies so yeah so so movies you know just uh while watching you can either eat or drink you know right so


uh and just listen to what, or what the movie shows you lah but of course you must just I just try to make sure that I don't I don't watch boring movies lah otherwise I may fall asleep lah , but there are actually


yeah so there are actually uh actually millions of movies right so from all kinds lah but if you ask me , all the while I like comedy movies lah I'm sure because most people like to laugh right, so it's funny and all so comedy than be it uh romantic or whatever but I think in recent years now I'm actually quite uh interested in the past so more like


history ya historical war movies or whatever you know or even even movies depicting uh true stories, like yeah yeah,


yeah but that's why I but I believe right every movie be it how far fetched ah a small part of it is true because I always be


ya ya ya ya ya, wait do I have oh the recording just keep it on right


and he not sure oh shit actually I also got another problem uh my my my phone blacked out eh then how ah


oh it's it's gone already it's gone already, but it's it's ten minutes recorded ten minutes recorded, yeah


yeah it's not moving so I have play record or submit now how, now, okay


okay, okay okay all right okay, okay so yeah so we were back to movies yeah but okay I so I think what what will you be your best surprise what what what what actually made you surprised the most yeah


actually actually for me my my best surprise is when my mum actually bought a so called like silver silver or gold chain for me lah so


I actually never expected it lah being a being a guy of course right but nowadays then the chinese say that you know when you reach twenty one years old we must have a gift lah right, so he gave me actually a key like a silver ya a silver key I mean it's just like ya like just a key right and uh it's supposed to lock open a lock or something like that lah right so


yeah chinese believe about that lah uh but but but and also but other than that I've not been one to be easily surprised uh but probably that would be my most surprising thing ever lah I experienced ever lah yeah so so


(mmhmm)


yeah so I was I I have been to korea uh nine years ago lah so actually that was my one of my first trip uh as a adult lah I was without my parents and just friends


so actually my my my yeah my first trip uh overseas yeah so so it amaze me right something is saying that the place is very huge very big of course a lot of people you know very difference from singapore of course


so a cultural difference is there the food that we eat also is different how they live everything and also you know we went to this place uh one of the so called uh uh what you call it uh


the where where the emperors actually live lah palace palace sorry, so they ah we actually went to the palace so, yeah the those those korean palace lah so what what what's amaze me is you know or rather this experience right left me so so in awe right is looking at how the rocks were built


without machines they're all man made but yet each each stone brick is so nicely carved and it's huge it's very thick you know it's like you just you cannot imagine how they actually do it how they're able to do it without machines


just using maybe, yeah the big knife and and stones or whatever you know, and managed to build such a big grand palace and it's very very big super big


why did you are not you are you are you are you are not afraid of being shot ah ,


yeah correct


oh okay,


yeah I mean of course lah we all like winter lah because singapore is so hot right so I'm sure we all like like cold countries cold places yeah we just want to


stay there for a long time well but but other than that you know , yeah I've also been to snow snow countries yes yeah I've also been to japan as well yeah but that's not my I mean being japan is because I've already uh been to korea so japan is nothing new lah


oh other than the fact that it's really clean so uh to me it's it's also another big place lah and then yeah so what do you think that uh there's a moment where you feel luckiest or or and or the proudest or whatever moment do you have that moment


so so for me the luckiest moment of course is when I managed to


finish my degree actually because because I I I'm not really a studious person lah so I actually really don't study much and somehow even though without much studying I still can manage to pass so of course I didn't do very well lah but still I felt quite lucky


I literally really didn't study much but yeah and as as for proudest moment right so there was this time where actually I started learning pool so I just spent all my time playing pool in during my studies instead of studying really, but but and also I played until a point that then I actually won something so to me I've never won something as well on my own so it's uh really proud for me lah for that matter


financial related topic, okay so we'll work


ya okay, okay okay okay I'll start the rest first ah uh five years ago that would be when I was seventeen this is like year five and then you have five uh I guess !oi! so seventeen was actually when


I started getting my own uh, cards like a bank card and whatnot I ya I can't really remember so and it was because it was also the first year where I'm living away from my family so they also started giving me more money


uh and because of that and it was very easy to spend lah because I had a card now so one financial advice that I would give myself would be to kind of like, not see the money coming into me as like something that I can immediately spend away like maybe just save a bit ya uh what about you


okay we'll have, okay uh let's go on to the second question uh should I DIY or get a financial advisor to plan my finances uh you go first


okay


uh I'm hard no for financial adviser for any part of my finances uh, may maybe because I I try to like learn myself also lah I like I follow some vlogs then I talk to people uh because like in I'm in business school


uh so I can meet like people who kind of know how to plan finances they pretty good at it so they kind of like teach me this thought and I also don't really trust some financial advisors, uh I feel like all of them are out there just to get commission


so that's a bit of a trust deficit there but I also understand like for people who may not have the time to like read up so much it might be better to get a financial adviser lah cause ultimately you still do get some benefit out of it ya


(mmhmm) ah ya


ya I I guess it it it's a very important thing lah to trust the person that you're handing your money over to, ya (mmhmm), ya definitely okay uh next question okay, okay


okay uh so my current cashflow uh because I'm a university student I still get some allowance from my parent and uh I also have uh a bulk of money like mostly save from national service that I invest in uh stock markets


so and that's two types of cash flows lah uh the first one which is my parents allowance I use it for my daily expenses uh food petrol, uh entertainment that's a lot uh I would save about maybe uh a hundred or two hundred out of it and the whatever cashflow I get from investment uh like would any like gain or when they payout like dividend


I don't touch it at all I I don't take it out and spend it, I just leave it there lah cause uh I feel that my parent's allowances are, sufficient like I mean I could get spending more but I don't really want to lah it's more on of like a savings thing cause there is some drift lah by of in all this investment so I just leave it there you know if anything happens to that money I'm okay with it but ya I don't really take it off


uh what about you


okay okay, oh okay


okay so that one is like a transfer from a sort of mutual fund in taiwan to one in singapore, right okay, uh


what's what's the money for like what do you do you when do you plan on like withdrawing it how long do you want to keep it invested, if it's too personal you don't have to answer ya


uh okay (mmhmm) oh okay


(mmhmm)


okay, uh okay okay okay can alright uh I think we can move on to the next question, uh okay, oh okay what can you do to earn extra income or to improve your income level


okay, uh I I guess it will be a bit different from us since we're student uh you go first, (mmhmm)


okay uh I think for me at this moment ya like what you said lah uh I think studying is already something I we're doing to help to earn extra income uh but in terms of like earning money now I


don't think it's important for us to be we can get given that both of us like kind of get allowances from our parent and I think it's quite sufficient we should I think it's best that we focus on like our studies and getting internships that like thinking of what we doing later lar ya


ya, yeah okay I think you can go to the next one


uh yes I do have a habit of saving uh ya so like I say lah uh I have like my parent's allowance then I have the investment so the investment money it's already kind of like saving I never really touch it


uh and then for the allowance where I'd save like a small part of it, uh how I make sure that it saves is by I've I have two different bank accounts lah so the moment I get my parents allowance I transfer the amount that I want to save like immediately transfer it out so that I don't see the money and if I don't see the money I won't spend the money


so if there's an emergency then I will transfer from that bank account to the my current like bank account which I spend money from lah so uh for the savings bank account I try to make it as inaccessible as possible I don't download like the app on my phone


uh you know like if I need to touch it I'll have to go to my laptop manually log in and then transfer it out so that's like my, self created barrier of entry to make sure that it's used as savings lah ya


okay uh


okay, uh the next question is how do you spend your money and which expenditure justified and what have you been spending too much on you can go first


okay


okay, uh how do I spend my money okay uh uh like I only spend the allowance from my parents giving uh so


most of it goes to food lah then transportation wise uh because like my motorcycle is paid forth and that's money already so the only thing I need to covers are petrol parking and servicing


and it it counts sum to like about fifty Dollarish a month that's not too bad uh, in terms of what then uh I mean tend to saving from my allowance right actually I did do use it for like big ticket thing like uh if I go for like vacation because uh my parents don't pay for my vacation


so the allowance savings is for like those kind of big ticket item or if if I I want if I want to buy headphones which I need to get soon, uh so what, so what am I been spending too much on uh I think the problem is that I don't spend on things unless somebody tells me like you need to go and find this like I don't I don't even bother like changing myself until like it's completely worn off


so I I I don't think it's ya like in a way saving is not necessarily always a good thing lah I think sometimes it's okay to spend of it to make your life better ya so that's something I can work on lor


(mmhmm)


okay uh jason that's your response for question seven right, is it is that your rest okay, ya okay can can uh let's see okay I guess okay for like most near term big ticket expenditure or as which is mostly I think travelling uh what I'll recommend is basically what I do lah have two different bank account the more you get allowance


transfer that whatever amount you want to save but it doesn't have to too much but make it reasonable, uh you know get it out of sight so that we wouldn't spend it uh but like in the near future like for is like since you will be going out of uni you'll be having job how to save for like for example a house


uh frankly I'm not too sure cause I'm guessing like we would start with uh HDB, right most probably if you get a house it will be a HDB and this kind of things can be financed with like from your CPF money which is kind of contributed from your salary and your employer's contribution


and given that we're both citizens uh we are entitled to quite a lot of uh benefits, like for example if you live near your parent you get a certain amount that sort of stuff uh so I think said like for a house there's not much you need to worry about in terms of paying back for it cause it's all quite covered lor I don't see much that we need to worry about


for when it comes to like things about house except for maybe like the ten K downpayment, I did ya can okay pass on


[oh] I think we are out of time (ppl) that's all right okay


eh okay negative experiences oh, okay so I think for this section uh like if you know any of us are uncomfortable just let other person know lah uh we'll just skip the question okay uh but we'll just go through the list uh let's start with the first one on what frustrates you


okay uh for me okay I guess uh maybe in the context of my uni life in business school there's a like we do do a lot of uh teamwork like project based stuff where we have made to work in a team


and uh what I'm really frustrates me and I think this is like the most frustrating thing for me recently for the past few years uh is that like some people like they because they know they're in a team, and they know that there are some people in the team who would want to do well for that particular module


so they kind of leverage on that and decide not to put any effort, and I think it's not fair for the other people working in a team, uh so I I find it very frustrating and I I know that like some of the other people that I've worked with like even though they put in the effort like when we discussed when we talked about another team member was not putting in any effort like when I talked to them about like telling the prof about it or writing peer evaluation like they very reluctant to do so


so one way I'd try to uh combat the frustration is, by submitting peer evaluation for members I'm not satisfied in but I mean that doesn't necessarily mean that I've marked everyone down uh for example like some of my team like there are other people who contribute really well and I make it a point to like give them like five out of five like tell them like they did this this this and it was really useful to the team


uh because I think like ultimately, it's only fair to like recognise people for the work they do and to point out people who don't contribute as much ya, ya


(mmhmm), ya , ya definitely like I I don't look out for people who produced like A plus work or something I just just put some effort you know put some effort put some time


ya it's I don't I think he's only start to ask ya okay uh let's move on to the next question uh what's the worst thing you've witnessed and kept quiet about


okay, oh worst thing oh I don't know if it's the worst thing but it's a recent thing the recent negative experience uh ya so like I mentioned thursday ah uh I help out with uh swabbing operation at dormitory so we have to work with


different groups of people and one of them would be the dorm operators, and I I guess like the dorm operators in singapore that's like very different type of that you know like some of the dorm administrators they they don't treat the foreign workers really well which is good