Finally my high blood medication is off

From Pills to Power: How Intermittent Fasting Set Me Free from High Blood Pressure

It’s hard to put into words how it feels to walk out of the doctor’s office and hear the words: “You no longer need medication for your blood pressure.” It felt surreal. Like I had won a long, personal battle that no one else truly understood. But here I am—48 years old, living in bustling, food-loving Singapore—and officially medication-free. All thanks to one unexpected change: intermittent fasting.

The Start of the Journey

Like many Singaporean men, I’ve spent most of my adult life juggling work stress, family responsibilities, and the pressure to always be “on.” The usual suspects—long hours at the office, late-night suppers, and sedentary routines—slowly crept up on me. By the time I hit my early 40s, my blood pressure was consistently high. My doctor called it “Stage 2 hypertension.” Not ideal, but not surprising either.

I was put on medication. First one pill, then two. I hated it. Not just the side effects like fatigue and cold hands, but also the idea of being dependent on pills. It felt like I had lost control over my body, and that scared me more than the numbers on the machine.

Discovering Intermittent Fasting

I stumbled upon intermittent fasting almost by accident. A colleague casually mentioned he had lost weight and felt more energetic just by skipping breakfast. I was skeptical. I mean, we’re in Singapore—the land of kaya toast, kopi, and hawker center breakfasts! But I was intrigued.

I started reading up, watching videos, and slowly eased into a 16:8 fasting schedule. That means fasting for 16 hours and eating only during an 8-hour window—usually between 12 pm and 8 pm. At first, it felt odd. I was so used to starting my day with food. But after a week or so, I noticed something interesting: I felt lighter. Not just physically, but mentally too.

The Changes That Followed

The first thing that happened was weight loss. I dropped around 5kg in the first two months without changing what I ate—just when I ate. My blood pressure readings started trending down. I felt more alert during the day and slept better at night. I had fewer sugar cravings, and surprisingly, fewer mood swings. My energy levels evened out.

Encouraged, I became more mindful about food. Not obsessed—just aware. I still had my occasional laksa or chicken rice, but I cut down on processed snacks and sugary drinks. Water became my go-to. I also started walking more, especially after dinner. Just slow, meditative walks around the park or my HDB block. Nothing intense, but consistent.

The Doctor’s Surprise

After four months, I went for my regular check-up. My doctor raised his eyebrows when he saw my blood pressure numbers. “This is much better than before,” he said. “What have you been doing differently?”

I told him about the fasting. He nodded thoughtfully but didn’t seem convinced. Still, he reduced my medication. That was the first small victory.

Then came the moment. After reviewing a full year of normal blood pressure readings, my doctor looked at me and said, “Let’s try taking you off the medication.”

It was like hearing I had passed an impossible exam.

How I Really Feel

Relieved. Empowered. Free.

I no longer feel like a prisoner to my condition. Intermittent fasting gave me a sense of control I hadn’t felt in years. It’s not just about skipping meals—it’s about breaking cycles. The cycle of constant snacking. The cycle of stress eating. The cycle of feeling tired, bloated, and helpless.

I feel younger. Sharper. My clothes fit better. I have more energy to spend with my kids and less irritability after long days. My relationship with food is healthier. I’ve learned to appreciate real hunger, and to savor meals when I do eat. Food tastes better now, honestly.

But most of all, I feel proud. Proud that I took responsibility for my health. Proud that I didn’t settle for lifelong medication. Proud that I showed my family what’s possible with discipline and consistency.

Intermittent Fasting in a Singaporean Context

Let’s be real—fasting in Singapore is not easy. Our culture revolves around food. From morning kopi to midnight prata, temptations are everywhere. But I learned to adapt.

Instead of breakfast meetings, I suggested lunch catchups. I learned to say no to office snacks politely. I packed fruits and nuts for my eating window. I even started bringing homemade food to work sometimes. On weekends, I shifted my eating window slightly so I could enjoy brunch with the family.

The beauty of intermittent fasting is that it’s flexible. It’s not about punishment—it’s about timing. And once your body adjusts, it becomes second nature.

Final Thoughts: A Word to Fellow Men

If you're in your 40s, struggling with blood pressure or weight, I want to say this: don’t wait. Start with something simple. You don’t need a fancy gym membership or a strict keto plan. You just need a commitment to give your body a break from constant eating.

Intermittent fasting might not be a miracle cure, but for me, it was a catalyst for change. It gave me my life back. And the best part? It’s free. No subscriptions. No supplements. Just time, discipline, and patience.

Today, I feel more in tune with my body than ever. I’m not perfect—I still enjoy my char kway teow now and then—but I do it with intention. And that has made all the difference.

If you’re reading this and wondering if it’s possible—yes, it is. If I can do it, so can you.

Trade war with US, Europe, China, India, Russia and predicting how these major economy benefit or lose

Trade War: How the US, Europe, China, India, and Russia Gain or Lose

Trade wars have become a defining feature of modern geopolitics, shaping economies and influencing global power dynamics. The ongoing tensions between major economies like the United States, Europe, China, India, and Russia have far-reaching consequences. In this article, we will analyze how these nations are involved in trade disputes, what advantages or disadvantages they face, and predict how they may benefit or lose in the long run.

Understanding the Trade War Landscape

A trade war occurs when countries impose tariffs, sanctions, and other restrictions on each other’s imports and exports. These measures are usually intended to protect domestic industries but often lead to retaliation, creating a cycle of escalating tensions. The key drivers behind global trade conflicts include:

Protectionism and safeguarding domestic industries
Political and strategic rivalries
National security concerns
Technological competition
Market dominance and economic leverage

The trade war landscape has evolved significantly, with the US leading disputes against China, Europe, and Russia, while China and India are also engaged in their own economic battles.

United States: Leading the Trade War Charge

The US has been at the center of global trade conflicts, particularly with China, Europe, and Russia. Since the Trump administration, the US has pursued aggressive trade policies, imposing tariffs and restricting access to critical technologies.

Potential Gains for the US:

Revival of Domestic Manufacturing: Higher tariffs on imports encourage local production, boosting domestic jobs in certain industries.
Tech Supremacy: By restricting China's access to advanced technologies, the US ensures its leadership in AI, semiconductors, and other key sectors.
Reduced Trade Deficit: By imposing tariffs and renegotiating trade deals, the US aims to narrow its massive trade deficit with China and other nations.

Potential Losses for the US:

Higher Consumer Prices: Tariffs on imports increase costs for American consumers and businesses.
Retaliatory Measures: Countries like China and the EU impose counter-tariffs, affecting US exports such as agricultural goods and automobiles.
Supply Chain Disruptions: Many US businesses rely on global supply chains, and trade restrictions increase costs and production challenges.

China: The World’s Factory Under Pressure

China has been the primary target of US trade restrictions, facing tariffs, tech bans, and political pressure. However, it has responded by diversifying trade relationships and boosting self-sufficiency in critical industries.

Potential Gains for China:

Strengthening Domestic Industry: The trade war has forced China to invest in domestic semiconductor production and high-tech industries.
Diversifying Trade Partners: China has increased trade with Russia, India, and Southeast Asian nations to offset losses from US sanctions.
Belt and Road Initiative (BRI): China's global infrastructure projects provide new economic and trade opportunities beyond the US market.

Potential Losses for China:

Loss of US Market Access: Many Chinese companies, including Huawei, have been banned or restricted from operating in the US.
Capital Flight and Economic Slowdown: Trade war uncertainties have led to declining foreign investment and economic instability.
Supply Chain Vulnerabilities: China's reliance on Western technology makes it susceptible to sanctions and restrictions.

Europe: Caught Between the Giants

Europe has faced trade tensions with both the US and China. The EU is striving to balance economic ties while asserting its own trade policies.

Potential Gains for Europe:

Stronger Trade Relations with Asia: The EU has strengthened economic ties with China, India, and other Asian economies.
Increased Export Opportunities: With the US restricting trade with China, European companies may fill the gap in certain sectors.
Technological Leadership: The EU is investing heavily in green energy, digital technologies, and regulations that could give it a competitive edge.

Potential Losses for Europe:

US Tariffs on European Goods: The US has imposed tariffs on European steel, automobiles, and other goods, harming industries.
Dependence on Russian Energy: Sanctions on Russia have created an energy crisis for Europe, driving up costs for businesses and consumers.
Economic Uncertainty: Brexit and internal political tensions further complicate Europe's economic resilience.

India: Balancing Economic and Strategic Interests

India is both a participant and an observer in the global trade war, managing its relationships with China, the US, and Russia.

Potential Gains for India:

Manufacturing Boom: As companies look for alternatives to China, India has positioned itself as a key manufacturing hub.
Tech and Defense Deals: Strengthened trade ties with the US have led to increased investments in defense and technology sectors.
Export Growth: India's pharmaceutical and IT sectors benefit from trade diversions caused by US-China tensions.

Potential Losses for India:

Dependence on Chinese Imports: Despite tensions, India relies on Chinese goods, and trade restrictions can hurt domestic industries.
Rising Energy Costs: The Russia-Ukraine conflict and Western sanctions on Russian oil have increased India's energy import costs.
Trade Deficit Concerns: India’s trade deficit with China remains high despite efforts to boost local manufacturing.

Russia: Sanctions and Strategic Realignments

Russia has faced severe economic sanctions from the US and Europe, especially after its invasion of Ukraine. However, it has found alternative markets and strategic allies.

Potential Gains for Russia:

Increased Trade with China and India: Russia has redirected its energy exports to China and India, securing alternative revenue streams.
Energy Leverage: Europe’s dependence on Russian gas has given Moscow significant geopolitical bargaining power.
Self-Sufficiency: Sanctions have pushed Russia to develop domestic industries and reduce reliance on Western technology.

Potential Losses for Russia:

Sanction-Driven Economic Decline: Western sanctions have cut off Russia from critical financial systems and reduced foreign investments.
Loss of European Market: The EU has actively sought alternatives to Russian energy, reducing Moscow’s economic influence.
Technological Backwardness: Restricted access to Western tech could slow down Russia’s industrial and military advancements.

Predictions: Who Wins and Who Loses?

Winners:
- India: Poised to benefit from global trade shifts, gaining investments and manufacturing growth.
- China: Despite US pressure, China is diversifying its economy and strengthening global trade ties.
- US: While facing higher domestic costs, the US retains technological and economic dominance.
Losers:
- Russia: Sanctions and economic isolation pose long-term challenges despite short-term energy gains.
- Europe: Rising energy costs and trade uncertainties could slow economic growth.

Conclusion

Trade wars are reshaping global economies, creating both risks and opportunities. While the US, China, India, and Russia pursue their economic and strategic interests, Europe finds itself navigating uncertain waters. As the world moves towards a more multipolar economic landscape, businesses and investors must adapt to these shifts. In the long run, nations that embrace innovation, diversify their economies, and build strong trade relationships will emerge as winners in this new global order.

Crash Buying S&P 500 strategy to consider

Crash Buying the S&P 500: How to Capitalize on Market Downturns with a $150K Fund

Market crashes are often viewed with fear and uncertainty, but for smart investors, they present golden opportunities to accumulate high-quality assets at discounted prices. The S&P 500, a benchmark index for the U.S. stock market, has historically rebounded from every downturn, making it an attractive buy during crashes. This strategy, known as "crash buying," involves systematically investing in the index when markets decline.

If you have $150,000 to deploy during a market crash, how can you do it wisely to maximize long-term gains while managing risk? In this article, we will explore three strategies for crash buying the S&P 500 effectively.

Why Crash Buying Works

Before diving into the strategies, it's essential to understand why crash buying is a powerful approach:

Mean Reversion: Historically, the S&P 500 has always recovered from crashes, often reaching new highs within a few years.
Valuation Advantage: Market downturns lead to lower price-to-earnings (P/E) ratios, making stocks more attractive from a valuation standpoint.
Long-Term Compounding: Investing during market lows increases the potential for higher long-term returns.

With these benefits in mind, let’s explore three different ways to execute crash buying with a $150,000 fund.

Strategy 1: Lump-Sum Buying at Target Valuation Levels

How It Works:

This strategy involves deploying large portions of your capital when the market reaches specific valuation levels. Instead of waiting indefinitely for the "perfect bottom," you set predefined levels based on historical valuations, such as:

When the S&P 500 drops 20% from its all-time high → Invest 50% ($75,000)
When the S&P 500 drops 30% → Invest 30% ($45,000)
When the S&P 500 drops 40% or more → Invest the remaining 20% ($30,000)

Why It Works:

This approach ensures you deploy capital during significant declines while avoiding the paralysis of waiting for the absolute bottom.
It leverages historical downturns, which have shown that 20-40% declines in the S&P 500 offer high-reward entry points.

Risks:

If the market does not fall beyond 20%, you might deploy most of your capital too early.
The market could fall further after your full investment, requiring patience for recovery.

Who Should Use This?

This is ideal for investors who want a structured approach and are comfortable making large investments during market downturns.

Strategy 2: Dollar-Cost Averaging (DCA) During the Crash

How It Works:

Instead of making large lump-sum investments, this strategy involves systematically investing over a period of time as the market declines. A structured plan could look like this:

If the S&P 500 declines 20% from its peak, begin investing $15,000 per month
Continue monthly investments for 10 months, adjusting slightly based on further declines
If the market drops 35-40%, increase allocation to $25,000 per month

Why It Works:

Spreads out your purchases, reducing the risk of buying too early.
Takes advantage of market volatility by accumulating shares at different price points.
Removes emotional decision-making by following a fixed schedule.

Risks:

If the market recovers quickly, you might miss the lowest prices.
Requires discipline to continue investing even if the market continues falling.

Who Should Use This?

Investors who prefer a systematic, low-stress approach and want to avoid the risk of mistiming the market.

Strategy 3: Leveraged Tactical Buying with Hedging

How It Works:

This strategy involves using a mix of S&P 500 ETFs, options, and bonds to enhance returns while managing risk. Here’s an example allocation plan:

70% ($105,000) into S&P 500 ETFs (SPY, VOO, or IVV) during major declines
20% ($30,000) into long-dated call options (LEAPS) to gain leveraged upside with limited downside risk
10% ($15,000) into U.S. Treasuries or inverse ETFs to hedge against further drops

Why It Works:

The ETF allocation ensures you have broad market exposure for the recovery.
LEAPS options provide leveraged upside without full downside exposure.
Treasuries or inverse ETFs act as a cushion if the market continues falling.

Risks:

Options can expire worthless if the market takes too long to recover.
Hedging instruments may underperform if the recovery is swift.
More complex strategy requiring knowledge of options and risk management.

Who Should Use This?

Investors who are comfortable with risk and have experience with options, looking for enhanced upside potential.

Which Strategy is Best for You?

Factor	Lump-Sum Buying	Dollar-Cost Averaging (DCA)	Leveraged Tactical Buying
Best For	Investors who want to deploy capital quickly at target levels	Those who prefer a slow and steady approach	Experienced investors looking for high-risk, high-reward opportunities
Risk Level	Moderate	Low	High
Market Timing Required?	Yes	No	Yes
Potential Returns	High if timed well	Consistent gains over time	Very high if leveraged correctly

If you are unsure about market timing, DCA is the safest approach as it reduces emotional investing. If you believe the market will recover strongly and can handle volatility, Leveraged Tactical Buying offers high return potential. For those confident in historical market cycles, Lump-Sum Buying can be highly effective.

Final Thoughts

Market crashes are stressful, but they offer some of the best opportunities to build wealth. By having a structured approach to crash buying, you can turn market downturns into profitable moments. With a $150,000 fund, choosing between lump-sum investing, dollar-cost averaging, or a tactical leveraged approach depends on your risk tolerance and investment knowledge.

No matter which strategy you choose, remember the key principle: stay invested, stay disciplined, and think long term. Over decades, the S&P 500 has always rewarded patient investors who take advantage of downturns. Will you be one of them?

Investing during the tariff war

Investing During a Tariff War: 3 Investment Fund Options for Singapore Investors

Geopolitical tensions have been rising once again, and tariff wars—especially between economic giants like the US and China—are making headlines. For investors, this can feel like a storm cloud over their portfolios. Will markets crash? Should you pull out? Or is this actually an opportunity in disguise?

If you're investing from Singapore, you’re in a relatively advantageous position. As a stable, neutral financial hub in Asia, Singapore gives you access to a wide range of globally diversified funds that can weather such storms. In this post, we’ll explore:

What a tariff war means for your investments
How to navigate these turbulent times
Three types of investment funds worth considering
A comparison of their pros and cons

🌏 What is a Tariff War and Why Does it Matter?

A tariff war occurs when countries impose taxes on each other's imports, usually to protect domestic industries or retaliate against foreign policy decisions. The most notable example in recent years has been the US-China trade war, which saw hundreds of billions in tariffs applied between the two largest economies in the world.

For investors, tariff wars can:

Increase market volatility
Hurt export-driven companies
Disrupt global supply chains
Create inflationary pressure in some sectors

But it’s not all doom and gloom. Tariff wars also shift economic power, create new winners, and open up investment opportunities—especially in emerging markets, local manufacturing, and technology sectors.

🎯 Investment Strategy During a Tariff War

The best approach is not to panic but to diversify and focus on long-term themes that remain resilient:

Technological innovation (AI, semiconductors, digital infrastructure)
Emerging markets outside the conflict zones
Dividend-paying companies that generate stable cash flow
Thematic funds that benefit from decoupling trends (e.g., "China+1" manufacturing strategy)

With that in mind, here are three fund options for Singapore-based investors:

🥇 Option 1: Endowus Global Core Portfolio (50/50 Equity/Bond)

Overview

This is a diversified global portfolio constructed by Endowus using institutional-grade mutual funds. The 50/50 version balances equity exposure with fixed income, ideal during turbulent periods like a tariff war.

Key Features:

Globally diversified
Exposure to developed markets and some emerging markets
Built-in risk management through bonds
Available for Cash, CPF, and SRS investment

Pros:

✅ Diversification cushions volatility from trade wars
✅ Automatically rebalanced and optimized
✅ Managed by professionals
✅ Accessible even to passive investors

Cons:

❌ Returns may be lower than pure equity funds
❌ Limited ability to capitalize on specific themes (e.g., tech, Asia ex-China)

Best for: Risk-conscious investors who want peace of mind and moderate returns during uncertainty.

🥈 Option 2: LionGlobal Disruptive Innovation Fund

Overview

This fund focuses on high-growth tech and innovation companies—the kind that are transforming industries and often benefit from reshoring and automation trends accelerated by tariff wars.

Key Features:

Invests in global innovators (think AI, robotics, biotech)
Available through platforms like Endowus and FSMOne
Pure equity fund with high return potential

Pros:

✅ Potentially high returns during economic realignment
✅ Benefits from decoupling and reshoring themes
✅ Thematic exposure to long-term growth sectors

Cons:

❌ Higher volatility, especially during short-term trade shocks
❌ Concentrated portfolio with sector risk
❌ Not suitable for conservative investors

Best for: Growth-oriented investors who can handle volatility and want to ride tech megatrends.

🥉 Option 3: Nikko AM ARK Disruptive Innovation Fund

Overview

This is the Singapore-registered feeder fund for the popular ARK Innovation ETF, managed by Cathie Wood. It focuses on companies in areas like fintech, DNA sequencing, and autonomous vehicles.

Key Features:

High conviction, active management
Local SGD-class option available
Invests in disruptive innovation across sectors

Pros:

✅ Strong thematic focus on transformative change
✅ Access to companies with exponential growth potential
✅ Available to Singapore retail investors without US brokerage accounts

Cons:

❌ Very high volatility and drawdowns
❌ Performance has been inconsistent in recent years
❌ Heavy US tech exposure means sensitivity to US-China tensions

Best for: Investors with a high risk tolerance who believe in the long-term potential of innovation, even through short-term pain.

🔍 Quick Comparison Table

Fund Name	Risk Level	Thematic Focus	Pros	Cons
Endowus Global Core (50/50)	Moderate	Broad Global Diversification	Balanced, diversified, rebalanced	Lower upside in bull markets
LionGlobal Disruptive Innovation	High	Innovation/Tech	High growth, strong megatrend backing	Volatile, sector concentration
Nikko AM ARK Disruptive Innovation	Very High	Tech/Disruption	High conviction, high upside potential	High volatility, US-focused

🧠 Final Thoughts: Stay Calm, Stay Invested

Tariff wars are a test of nerves, but they also create a reshuffling of global opportunities. The key is to avoid emotional reactions, stay invested, and ensure your portfolio is positioned for both resilience and growth.

If you value stability, the Endowus Global Core portfolio is a solid anchor.
If you want to tap into growth trends, the LionGlobal Disruptive Innovation Fund is a compelling option.
If you’re feeling bold and want to bet on the next Tesla or CRISPR breakthrough, the ARK fund via Nikko AM might be your pick.

No one can predict how a tariff war will unfold, but with smart diversification, a focus on megatrends, and platforms like Endowus, FSMOne, or POEMS at your disposal in Singapore, you're well-positioned to invest wisely through the chaos.

What to invest in Singapore since stocks are going up and down in Trump's Tarrif

Here’s a solid list for Singapore-based investors:

🇸🇬 1. Lion-OCBC Securities Hang Seng TECH ETF (SGX: HST or HSS)

Focus: 30 largest tech-themed Chinese companies listed in HK (like Tencent, Alibaba, JD.com, Meituan, etc.)
Why it's good now: Tech in China is cheap after regulatory pressure — long-term upside if you're patient.
Volatility: High
Expense Ratio: ~0.68%
Currency: SGD (HSS) or USD (HST)

🌐 2. Nikko AM ARK Disruptive Innovation Fund (Available via FSMOne, Endowus, etc.)

Fund Manager: Cathie Wood’s ARK Invest
Focus: Genomics, AI, robotics, energy storage, fintech
Why now: High risk, high potential — invest gradually via DCA if you're bullish long-term.
Currency: SGD hedged and unhedged classes available

🌏 3. iShares Asia 100 ETF (SGX: O9P)

Not pure tech, but includes top companies in Asia with tech exposure (like TSMC, Samsung, Tencent)
Why now: Diversified, more stable than pure tech — good for balance in volatility.
Expense Ratio: ~0.50%
Currency: USD

🧠 4. Access US Tech via SGD through Robo or Brokers:

You can get exposure to US tech giants even from Singapore. Options include:

FSMOne ETFs: QQQ, VGT, ARKK — available via FSMOne with low minimums.
Endowus: Offers access to tech-weighted global equity funds (e.g., Dimensional, PIMCO, etc.)
Syfe REIT+ with Tech Tilt: Hybrid REIT and global tech allocation

🛡️ Bonus: Stable Global Tech-Heavy Funds (SGD Classes)

If you prefer actively managed global funds with tech bias:

Fidelity Global Technology Fund
BlackRock World Technology Fund
Franklin Technology Fund

These are available via fund platforms (e.g., Endowus, Dollardex, POEMS) and are denominated in SGD or hedged classes.

🧩 Want a Simple, Defensive Setup in Singapore?

If you're worried about volatility but still want tech growth:

🟢 50% in Lion-OCBC HST/HSS (China Tech)
🟢 30% in Global Tech Fund (Fidelity or BlackRock)
🟢 20% in Singapore or REIT-focused fund (for stability/dividends)

100 habits to follow to leave a fulfilling life before turning 50

100 Habits to Follow for a Fulfilling Life Before Turning 50

Life is a beautiful, unpredictable journey, and the best way to truly make the most of it is by developing habits that nurture your mind, body, and soul. Whether you're looking to experience more joy, achieve your dreams, or simply live a life full of purpose, adopting certain habits can significantly enhance your overall well-being. Here's a list of 100 habits you can start cultivating today to leave a fulfilling life before turning 50.

1. Prioritize Self-Care

Establish a daily skincare routine to maintain healthy skin.
Get enough sleep — aim for 7-9 hours a night to rejuvenate your body and mind.
Drink plenty of water to stay hydrated and energized throughout the day.
Practice mindfulness meditation daily to clear your mind and reduce stress.
Treat yourself to occasional massages or spa days for relaxation.
Take time for a hobby that brings you joy, whether it's painting, reading, or playing music.
Set boundaries to ensure you’re not overextending yourself emotionally or physically.
Embrace rest days without feeling guilty for taking a break.
Invest in your mental health — seek therapy or counseling when needed.
Celebrate small victories and acknowledge your accomplishments regularly.

2. Embrace Physical Fitness

Make regular exercise a part of your routine — aim for at least 30 minutes a day.
Try different forms of exercise — yoga, pilates, weight training, running, cycling, or swimming.
Stretch regularly to keep your body flexible and reduce stress.
Take daily walks to clear your mind and stay active.
Engage in outdoor activities like hiking or sports for a fun workout.
Prioritize a balanced diet with a variety of fruits, vegetables, and whole foods.
Incorporate strength training to improve bone health and muscle tone.
Find an accountability partner to make fitness more enjoyable.
Dance for fun — it's a great cardio workout!
Track your physical progress and set goals to keep improving.

3. Cultivate Healthy Relationships

Surround yourself with positive, supportive people who uplift you.
Learn to communicate effectively in relationships — practice active listening.
Express gratitude regularly to the people who matter to you.
Make time for family — even small moments of connection matter.
Forgive quickly and let go of grudges.
Show appreciation for your partner with simple gestures like writing notes or planning date nights.
Practice empathy by trying to understand the emotions of others.
Make time for friends and schedule regular catch-ups.
Create meaningful traditions with loved ones.
Let go of toxic relationships and set healthy boundaries.

4. Personal Growth and Learning

Read every day — aim for at least 30 minutes, and diversify your reading material.
Take up a new skill every year — whether it’s cooking, photography, or a musical instrument.
Set a yearly learning goal — attend workshops or enroll in online courses.
Practice gratitude by journaling every morning or night.
Challenge your comfort zone by trying new things outside of your routine.
Keep a personal journal to document your thoughts, dreams, and challenges.
Listen to podcasts or audiobooks to absorb new knowledge while commuting.
Seek mentors who can provide guidance in areas of your life.
Set long-term goals and break them down into achievable steps.
Reflect on your achievements at the end of each year.

5. Financial Habits for Success

Start saving early for retirement — the earlier, the better.
Track your spending to understand where your money is going.
Create a budget and stick to it to keep your finances in check.
Invest in your future through stocks, real estate, or a diversified portfolio.
Pay off debt as quickly as possible to reduce financial stress.
Live below your means and avoid unnecessary luxury purchases.
Build an emergency fund to cover at least 3-6 months of expenses.
Automate savings to make sure you’re consistently putting money away.
Negotiate bills and expenses to save money wherever possible.
Give back — set aside a portion of your income for charity or causes you care about.

6. Nurture Your Passion and Creativity

Make time for creative hobbies such as painting, writing, or crafting.
Pursue a passion project — something that excites and fulfills you outside of work.
Set creative goals — whether it’s writing a book or completing a photography portfolio.
Learn to let go of perfection and embrace creativity without self-criticism.
Participate in challenges like NaNoWriMo (National Novel Writing Month) or Inktober.
Surround yourself with inspiration by visiting art galleries or watching documentaries.
Experiment with different art forms to discover new interests.
Join a creative community or group to stay motivated and share ideas.
Create something every week — no matter how small.
Learn to appreciate the process of creation, not just the finished product.

7. Work and Career Fulfillment

Set clear professional goals and measure your progress regularly.
Embrace challenges and opportunities for growth in your career.
Network with people in your field to open up new career possibilities.
Seek feedback from peers and supervisors to improve your performance.
Work smarter, not harder — prioritize tasks that bring the most value.
Maintain a work-life balance by setting boundaries and taking breaks.
Find a mentor in your industry to provide career guidance.
Celebrate career milestones and acknowledge your professional achievements.
Stay curious and keep learning about your field, even after years in the industry.
Take regular breaks during work to avoid burnout and maintain productivity.

8. Travel and Adventure

Explore a new country every year to broaden your perspective.
Take short weekend trips to nearby cities or towns for a quick getaway.
Try a solo travel adventure to discover more about yourself.
Go on a digital detox trip, where you leave your devices behind and embrace nature.
Create a travel bucket list and work on crossing it off.
Make time for spontaneous adventures without a strict itinerary.
Visit historical sites to learn about different cultures and their legacies.
Travel with loved ones to create unforgettable memories together.
Embrace local food during your travels and try new dishes.
Take a scenic road trip — it’s a perfect way to explore and relax at your own pace.

9. Mindfulness and Spirituality

Practice daily gratitude by acknowledging things you’re thankful for.
Meditate every day — even for just 5 minutes to quiet your mind.
Engage in acts of kindness — whether it's helping someone or donating to charity.
Spend time in nature to reconnect with yourself and the environment.
Embrace silence by spending time alone without distractions or noise.
Practice positive affirmations to boost your self-confidence and mindset.
Do yoga to maintain mental clarity and physical flexibility.
Set intentions every morning for a focused, purposeful day.
Read spiritual texts or listen to teachings that resonate with you.
Engage in regular self-reflection to understand your deeper desires and purpose.

10. Lifelong Learning and Legacy

Create a personal library filled with books on topics you’re passionate about.
Take courses to keep your mind sharp and continue learning throughout life.
Write down your life lessons to share with others or future generations.
Document your life journey through journaling, blogging, or a video diary.
Teach someone a new skill or mentor them in an area of your expertise.
Pass down family traditions and memories to the younger generation.
Leave a legacy by contributing to causes or charities that reflect your values.
Cultivate a spirit of curiosity — always ask questions and explore new ideas.
Stay open to change and embrace opportunities to grow.
Reflect on your life regularly to ensure you’re living according to your values and passions.

Conclusion

Living a fulfilling life before turning 50 is all about creating a balanced routine, investing in your well-being, and continuously growing. By incorporating these habits into your daily life, you can embrace life’s challenges with resilience, stay mentally and physically healthy, nurture your relationships, and leave a positive mark on the world. Start with a few habits that resonate with you and slowly build upon them. The journey to fulfillment begins with a single step, and the best time to start is right now!

Which habits are you most excited to incorporate into your life?

0 Bucket List Things to Do in Singapore, Malaysia, and Indonesia (with Estimated Duration for Each)

If you're looking to explore Southeast Asia, Singapore, Malaysia, and Indonesia offer an incredible variety of experiences that will make for an unforgettable adventure. Whether you're into nature, culture, or thrill-seeking, here's a diverse list of things to do across these countries, along with estimated durations for each activity.

Singapore

Marina Bay Sands SkyPark – Visit the iconic observation deck with a panoramic view of the city.
Duration: 1-2 hours
Gardens by the Bay – Explore the Supertree Grove, Flower Dome, and Cloud Forest.
Duration: 2-4 hours
Sentosa Island – Visit attractions like Universal Studios, S.E.A. Aquarium, and Adventure Cove Waterpark.
Duration: Full day (6-8 hours)
Chinatown Heritage Centre – Immerse in the history of Singapore’s Chinatown.
Duration: 1-2 hours
Singapore Zoo and Night Safari – A world-renowned zoo and an exciting nocturnal safari.
Duration: Full day (6-8 hours)
Clarke Quay – Enjoy the nightlife with bars and restaurants along the river.
Duration: 3-4 hours
Singapore Flyer – Take a ride on one of the world’s largest observation wheels.
Duration: 30 minutes – 1 hour
Little India – Wander through colorful streets filled with culture, food, and shopping.
Duration: 2-3 hours
Merlion Park – Snap a photo with the iconic Merlion statue.
Duration: 30 minutes – 1 hour
Singapore Botanic Gardens – Take a relaxing stroll through a UNESCO World Heritage site.
Duration: 2-3 hours
Hawker Centres – Taste authentic Singaporean dishes like Hainanese chicken rice, laksa, and satay.
Duration: 1-2 hours
Fort Canning Park – Explore historical sites and enjoy the lush greenery.
Duration: 1-2 hours
East Coast Park – Enjoy cycling, rollerblading, or beach activities.
Duration: 2-4 hours
Kampong Glam – Visit the Sultan Mosque, shop at Haji Lane, and enjoy Middle Eastern cuisine.
Duration: 2-3 hours
Raffles Hotel – Experience a colonial-style afternoon tea at the famous hotel.
Duration: 2 hours
Jurong Bird Park – See one of the largest collections of birds in the world.
Duration: 3-4 hours
Singapore Art Museum (SAM) – Explore contemporary Southeast Asian art.
Duration: 1-2 hours
Singapore Science Centre – Engage with interactive exhibits and enjoy the Omni-Theatre.
Duration: 2-3 hours
Lazarus Island – Take a boat trip to this serene and quiet island for a relaxing day.
Duration: Full day (6-8 hours)
Singapore River Cruise – Explore Singapore's historic river on a traditional bumboat.
Duration: 1 hour

Malaysia

Petronas Towers, Kuala Lumpur – Visit the world's tallest twin towers for stunning views.
Duration: 2 hours
Batu Caves – Climb the 272 steps to reach the cave temples.
Duration: 2-3 hours
George Town, Penang – Wander through the UNESCO World Heritage site filled with street art and history.
Duration: Half-day (4-5 hours)
Langkawi Sky Bridge – Experience a thrilling walk on the curved suspension bridge with spectacular views.
Duration: 1-2 hours
Cameron Highlands – Explore the tea plantations, strawberry farms, and cool mountain air.
Duration: Full day (6-8 hours)
Perhentian Islands – Relax on the pristine beaches and go snorkeling or diving.
Duration: 2-3 days
Taman Negara National Park – Embark on a jungle trek, visit Orang Asli villages, and take a canopy walk.
Duration: 2-3 days
Merdeka Square, Kuala Lumpur – Visit the historical heart of Malaysia with colonial architecture.
Duration: 1-2 hours
Malacca (Melaka) – Visit historical sites, such as the A Famosa fort and Jonker Street.
Duration: 1-2 days
Kuala Lumpur Bird Park – Walk through the world’s largest covered bird park.
Duration: 2-3 hours
Borneo (Sabah) – Go hiking in Kinabalu National Park or explore the wildlife in the rainforest.
Duration: 3-4 days
Kuala Lumpur National Mosque (Masjid Negara) – Experience the beauty of Islamic architecture.
Duration: 1 hour
Kinabalu Mountain – Go trekking up Malaysia's highest peak.
Duration: 2-3 days
Langkawi Underwater World – Visit the aquarium and see marine life up close.
Duration: 2-3 hours
Sungai Lembing – Visit the old mining town and go on an epic sunrise hike.
Duration: 1-2 days
Taman Negara Jungle Cruise – Take a boat ride through the river in one of the oldest rainforests.
Duration: 2-3 hours
Redang Island – Snorkel in crystal-clear waters and relax on white sandy beaches.
Duration: 2-3 days
Putrajaya – Visit the administrative capital, known for its stunning architecture and lakes.
Duration: 2-3 hours
Kuala Terengganu – Visit beautiful beaches, the Tengku Tengah Zaharah Mosque, and the Terengganu State Museum.
Duration: 1-2 days
Desaru Coast – Enjoy a beach getaway with resorts, waterparks, and nature.
Duration: 1-2 days

Indonesia

Bali – Explore the temples, beaches, rice terraces, and waterfalls of this popular island.
Duration: 3-5 days
Mount Bromo – Hike to witness the stunning sunrise over the volcanic landscape.
Duration: 1-2 days
Komodo Island – See the world-famous Komodo dragons in their natural habitat.
Duration: 2-3 days
Ubud, Bali – Visit the Sacred Monkey Forest, art galleries, and local markets.
Duration: 1-2 days
Gili Islands – Snorkel, dive, and relax on these pristine tropical islands.
Duration: 2-3 days
Borobudur Temple – Visit the world’s largest Buddhist temple in central Java.
Duration: 3-4 hours
Mount Rinjani, Lombok – Trek up one of Indonesia’s highest volcanoes.
Duration: 3-4 days
Prambanan Temple – Explore the Hindu temple complex in Java, a UNESCO World Heritage site.
Duration: 2-3 hours
Lake Toba – Visit the world’s largest volcanic lake in Sumatra.
Duration: 2-3 days
Jakarta – Discover the capital's bustling markets, museums, and cultural sites.
Duration: 1-2 days
Kuta Beach, Bali – Surf, relax, and enjoy the vibrant beach scene.
Duration: 2-4 hours
Nusa Penida – Explore the dramatic cliffs, crystal-clear waters, and beaches of this island.
Duration: 1-2 days
Tana Toraja – Experience the unique culture and funeral traditions of the Torajan people.
Duration: 2-3 days
Bali’s Tegenungan Waterfall – Hike and swim at one of Bali’s beautiful waterfalls.
Duration: 2-3 hours
Bromo-Tengger-Semeru National Park – Explore Indonesia’s stunning volcanic region.
Duration: 2-3 days
Bali’s Sacred Water Temple (Tirta Empul) – Take part in the holy water purification ritual.
Duration: 2 hours
Flores Island – Explore traditional villages, pristine beaches, and Komodo National Park.
Duration: 3-5 days
Bandung – Explore the natural beauty, tea plantations, and volcanoes near the city.
Duration: 1-2 days
Yogyakarta – Explore the cultural heart of Java, including markets, temples, and street food.
Duration: 2-3 days
Dieng Plateau – Visit the volcanic plateau filled with ancient temples, lakes, and geothermal activity.
Duration: 1-2 days

This is just the beginning! Southeast Asia is brimming with more adventures, from cultural experiences to adrenaline-pumping activities. What is the next item you're planning to check off from the list?

S&P 500 Bloodbath: What Singaporean Investors Should Know and Do Now

The U.S. stock market, particularly the S&P 500, just experienced a sharp and painful drop—what many are calling a “bloodbath.” Over a few trading sessions, the index shed hundreds of points, dragging global markets down with it. For Singaporean investors, especially those with exposure to U.S. equities through ETFs or brokerages like Tiger Brokers, Moomoo, or IBKR, the red across portfolios is hard to miss.

So, what exactly happened? Should we be worried? And most importantly—what should we do during this period of uncertainty?

Let’s break down the causes, implications, and how Singapore-based investors can respond smartly and confidently.

🌍 What Happened in the U.S. Market?

The S&P 500 dropped significantly due to a combination of factors:

1. Persistent Inflation and Sticky Interest Rates

The U.S. Federal Reserve signaled that it may keep interest rates higher for longer as inflation remains sticky. This hawkish stance makes investors nervous because high rates:

Increase borrowing costs for companies
Reduce consumer spending
Lower the present value of future earnings (especially for tech and growth stocks)

2. Bond Yields Surging

The 10-year U.S. Treasury yield shot past 4.5%, making fixed-income investments more attractive and prompting a shift away from equities. Rising yields often precede slowdowns or recessions.

3. Geopolitical Risk

Conflicts in the Middle East, tensions in Ukraine, and ongoing friction between the U.S. and China add pressure to the markets. Investors are reducing risk exposure amid global uncertainty.

4. Earnings Season Nerves

U.S. corporate earnings season has been mixed. While some companies are beating estimates, others—especially in tech and retail—are falling short, sparking sell-offs in major sectors.

🇸🇬 Why This Matters to Singaporean Investors

As a global financial hub, Singapore is deeply tied to international markets. Our CPF Investment Scheme (CPFIS), Robo-advisors (like Endowus or Syfe), and REIT portfolios often include U.S. equities or ETFs like the S&P 500 (SPY, VOO) and Nasdaq-100 (QQQ).

If you’re holding these:

You’ve likely seen some paper losses recently.
You might be wondering if you should sell or hold.
You may also be comparing it to the safer returns of Singapore Savings Bonds (SSBs) or fixed deposits, which are now yielding 3–3.4% annually.

But market corrections, though painful, are not new—and not always bad.

📈 Corrections Are Normal (Even Healthy)

Historically, the S&P 500 sees a 10% correction every 12–18 months. It’s part of the natural cycle of the market.

Over the long term, markets trend upward. Since 2000, the S&P 500 has powered through:

The dot-com crash
2008 Global Financial Crisis
COVID-19 pandemic

And despite those events, it has generated annualised returns of around 7–10% over time—much higher than most fixed income options.

🧠 What Should Singapore Investors Do?

Here’s a game plan tailored for retail investors in Singapore—whether you’re investing through cash, SRS, or CPF.

1. Don’t Panic and Dump Everything

Selling in a panic often locks in your losses and causes regret when markets rebound. If you’re investing for long-term goals like retirement, property down payments, or children’s education, keep a cool head.

💬 “Time in the market is more important than timing the market.”
— Proven wisdom, especially relevant now.

2. Check Your Investment Horizon

Ask yourself:

Are you investing for the next 1 year or the next 10?
Can you stomach volatility in exchange for future growth?

If your goal is 5–10 years away, short-term dips shouldn’t bother you. For example, a 35-year-old investing for retirement at 65 can afford to ride out volatility.

3. Continue Dollar-Cost Averaging (DCA)

If you’re doing monthly DCA into ETFs like:

SPY / VOO (S&P 500)
QQQ (Nasdaq)
IWDA / VWRA (global exposure)

… then stick with it. You’re now buying shares at a discount. This reduces your average cost per unit over time—a proven strategy for building wealth steadily.

4. Diversify Beyond the U.S.

Singaporean investors often concentrate too heavily on U.S. tech. Use this time to diversify:

SGX-listed REITs like CapitaLand Ascendas REIT, Mapletree Logistics Trust
Global ETFs with Asia/Europe exposure
Dividend stocks in the U.S. and Singapore
Bond ETFs or SSBs for capital preservation

You don’t need to abandon U.S. equities—just balance your portfolio better.

5. Review Your CPF & SRS Portfolios

If you’ve used SRS to invest in index funds or REITs, remember:

These are long-term tax-deferred investments.
Don’t panic sell based on short-term dips.

If you’re investing your CPF OA in equities, make sure the risk is aligned with your age and retirement plans. Consider a mix of:

Endowus Flagship CPF Portfolios
LionGlobal Infinity 500 (CPFIS-approved S&P 500 tracker)
Conservative bond funds for older investors

6. Park Emergency Funds in SSBs or T-Bills

While markets are volatile, it’s smart to park short-term cash in safe instruments like:

Singapore Savings Bonds (SSBs) – Now yielding ~3.3% over 10 years
6-month T-bills – Yielding ~3.7–4.0%
High-interest savings accounts – With Singlife, UOB One, or OCBC 360

But don’t confuse emergency savings with long-term investing. They serve different purposes.

7. Consider “Barbell” Strategy

One smart approach during uncertainty:

Core holdings: Broad-based ETFs and dividend-paying blue chips
Tactical bets: Small positions in growth stocks or sector plays (e.g., energy, AI, green tech)
Defensive buffer: Cash, bonds, and REITs with stable yields

This gives you upside potential while managing downside risk.

✨ Final Thoughts: Stay Calm, Stay Invested

The current market drop feels scary—but remember: every crisis has eventually passed. The best investors don’t react emotionally. They observe, learn, and take advantage of market inefficiencies.

For Singaporean investors, this is a time to:

Revisit your strategy
Stay diversified
Continue investing systematically
Focus on long-term goals like financial freedom or early retirement

Corrections test your discipline, but they also offer opportunity.

🧘‍♂️ “The stock market is a device for transferring money from the impatient to the patient.”
— Warren Buffett