To The Moon

$iShares 20+ Year Treasury Bond ETF(TLT)$ I bought TLH because its dividend payouts are more frequent than most stocks, providing me with a regular stream of dividend income.

When I first bought TLT, I didn’t imagine it would become the largest holding in my portfolio. It didn’t promise overnight riches. It didn’t trend on social media. It was, quite literally, a basket of long-term U.S. government bonds — about as exciting as watching paint dry. And yet, here I am. TLT now sits at the top of my portfolio, quietly occupying the biggest space in both my investments and my thoughts. Not Tesla. Not Nvidia. Not some exciting AI startup. No. Bonds. Long. Slow. Boring. Beautiful. My average price is around $90.76. Today, it trades near $87.93. iShares 20+ Year Treasury Bond ETF (TLT) On paper, that looks like a loss. If you stopped there, this would be a sad story. The Plot Twist: Dividends But portfolios, like life, are rarely that simple. Because despite the lower

I still remember the first time I bought a SanDisk thumb drive. It was about five years ago, and, honestly, I hesitated a bit at the price. It wasn’t cheap. But I needed something reliable—something that wouldn’t die on me after a few months of use. Fast forward to today, and that tiny device is still going strong. Every time I plug it in, I marvel at its durability. For me, it’s been worth every penny. SanDisk, of course, isn’t just about thumb drives. Over the years, I’ve come to appreciate the practicality of their other offerings—SSDs, memory cards, and a range of accessories. These products quietly make life easier, whether I’m backing up photos, transferring files, or expanding storage on my devices. It’s one of those brands where reliability and utility consistently meet. Now, the c

I don’t own any of the Magnificent 7 stocks. Not a single share. And yet, every earnings season, I can’t help but watch them closely. Next week is no exception. Microsoft, Meta Platforms, and Tesla are set to report after the close on January 28, followed by Apple on the 29th. Headlines are already buzzing. Analysts are predicting Apple to post $2.65 EPS on $137.5 billion in revenue, Microsoft $3.88 EPS on $80.2 billion, and Meta faces extra scrutiny after its last post-earnings selloff. Apple (AAPL) Tesla Motors (TSLA) Meta Platforms, Inc. (META) Microsoft (MSFT) Over the past few years, I’ve noticed a pattern with tech-related stocks: even when they dip, the pullbacks usually feel temporary. Hype seems to have a way of creeping back in, driving prices higher. It’s almost hypnotic—the mar

I have always told myself that one day, I would invest in Singapore stocks. It sounds ironic now, considering that today, my portfolio still contains exactly zero of them. When I first started investing, I was young, curious, and armed with nothing more than YouTube videos, blog posts, and late-night Google searches. Like many beginners, I was looking for certainty in a world that had none. Somewhere online, I read that US stocks had historically outperformed Singapore stocks. Someone wrote that America was bigger, innovative and ambitious. Another said that the US market was where “real growth” happened. So I believed it. And just like that, I became a US-focused investor. I bought ETFs, along with a few individual stocks. I read about Apple, Tesla, Microsoft, Amazon. I admired how these

I haven’t really been following gold prices for a while—not because I don’t care, but because I never planned to buy. So when I saw that gold pulled back in early trading after U.S.–Europe tensions over Greenland eased, I mostly just shrugged. Donald Trump posted on Truth Social that a framework for a future Greenland agreement is in place, and he won’t be imposing new tariffs on certain European countries. That kind of news usually sends gold traders scrambling to take short-term profits, and sure enough, that’s exactly what happened. Part of me feels curious—I love watching markets move—but another part of me feels relieved that I’m not in the game. I wish for no conflicts, no tensions, no crises anywhere in the world. I want calm headlines, not ones that spike gold prices or rattle mark

Crypto custody firm BitGo is set to make its New York Stock Exchange debut on Thursday, raising $2.13 billion after pricing its IPO at $18 per share—comfortably above the marketed range. Investors couldn’t get enough: the deal was reportedly multiple times oversubscribed, giving the company a valuation around $2.1 billion. That’s serious interest, especially after a year when Bitcoin was down 6.5% and many crypto headlines were “uh-oh” moments. At first glance, BitGo’s strong IPO demand suggests some renewed interest in crypto infrastructure. But the story is more nuanced. BitGo isn’t just a wallet—it provides custody and security services for institutional crypto holdings, helping hedge funds, exchanges, and other financial firms store digital assets safely. In a market still sensitive to

I’ve been thinking a lot about Flagstar Financial (FLG) recently, mostly because their stock is releasing earnings on January 30, 2026. I’m not planning to buy—at least, not yet—but there’s a part of me that can’t help checking. There’s something quietly compelling about watching a company’s story unfold through numbers, seeing whether strategy, effort, and past decisions finally come together. Flagstar Financial, Inc. (FLG) Flagstar’s recent years have been…well, full of changes. Back in April 2021, New York Community Bancorp announced it was acquiring Flagstar in an all-stock merger. It wasn’t a fast process—the deal completed only in December 2022. But then, just a few months later, in March 2023, Flagstar absorbed nearly all of Signature Bank’s deposits after Signature collapsed. I sti

$iShares 10-20 Year Treasury Bond ETF(TLH)$ Bond prices move inversely to interest rates, particularly long-term yields. I invested in TLH because further declines in interest rates could lead to an increase in its price.

I mainly trade U.S. stocks and ETFs, which means that whether I like it or not, my investing life is tied to the USD. Every trade, every position, every gain or loss eventually traces back to one quiet but powerful decision: when to exchange SGD to USD. Lately, I’ve been telling myself not to do it. Not yet. This isn’t a rule I picked up from a textbook or a macroeconomic forecast. It came from something far more personal and mundane—scrolling through my own currency exchange history. Line by line, date by date, I could see the past versions of myself converting SGD into USD, usually without much hesitation. Back then, I didn’t think too deeply about exchange rates. I just wanted to invest. The currency conversion felt like a necessary step, not a decision worth dwelling on. But looking at