Friday, June 20, 2014

Interview with B of "A Path To Forever Financial Freedom" Blog

Interview series
Wow! I can't believed myself that this is my 10th interview post already! I would like to take this opportunity to thanks all those who have agreed to participate in this little blog series of mine and also those who are about to agree ;-)
I saw many encouraging stories from the peer retail investors (many are bloggers and young ones too). We all have a story to tell/share and hence I hope to be able to share more stories from the peer retail investors.
My 10th interviewee is having the shortest nickname I've ever seen : B (but I believed he is quite active in the online community as I constantly saw his comment in other blogs). B is the owner of "A Path To Financial Freedom" blog and I would like to thank him for initiating the email exchange that ended up in this post. So far, we are kind of "great mind think alike" ;-)
OK! Without further ado, let's take a closer look at the story of B...

Q1 : Can you give us a brief introduction about yourself?
I am an ordinary retail investor, like many others who loves to blog about financial and personal finance issues to bring greater awareness to the larger community we live in. I am currently 28 years old (turning 29 in Aug later) and I am pursuing a part-time Master degree at the Singapore Management University (SMU) while working full-time in an accountancy profession. Contrary to what many people think, I started entering the workforce at the age of 22 so I have been working for almost 7 years now. I am married last year to my great wife and had our precious baby boy joining our family addition this year.

My plan is to retire from the corporate workplace at the age of 35 based on the 10 year target I set from myself and have the flexibility to do anything I want after that. To bring an even greater awareness to the public community, one of the thing I planned to do once I “retire” is to write a book on my journey towards financial freedom and the impact to my lives. It will probably be called “My Story - The Journey The Peak The View”

Q2 : Are you a full-time or part-time investor at the moment?
I am currently a part-time investor, putting in some amounts of money I earned from my full-time job into a portfolio system containing mainly dividend growth stocks I hope it could run on its own one day.

Q3 : When (at what age) did you start investing in shares and who has influenced you the most?
I started investing at the age of 24 (4 years ago) under the influence of my friends from the workplace, my dad who has been a passive investor himself and some books and blogs which inspires me to start off.

Q4 : Do you view yourself as long-term (holding shares in years), short-term investor (holding shares in days/months) or mixture?
My plan is to hold the shares in my portfolio for as long as I can while receiving dividend income in the progress. However, when the stock price has gone beyond the valuation that I feel it should be at, I might consider selling.

Q5 : What is your basis of selecting the shares to invest (e.g. basing on fundamental analysis, technical analysis or other methods/sources [share a little bit more details if it is the latter])?
I select based on some of the fundamentals I like to see in a stock, in particular good balance sheet which includes low debt ratio, low pay-out ratio and sufficient cash reserves. I also used the average of past P/E multiples to judge where the stock is currently valued by the market.

Q6. What is your targeted and achieved annual rate of returns (%) so far? 
My achieved rate of returns I calculated using the XIRR function thus far is around 11% per year, including the dividends. I am pretty satisfied with the returns and as long as I am getting this consistently I would be a happy man.

Q7 : What is your most recommended online investing resource (site or blog) to share with our readers? 
There’s a couple of blogs I really enjoyed reading and learning and I would recommend these blogs:

CreateWealth8888 – ( – One of the few retail investors I know who has gone through the peak and trough of market cycles. I really enjoyed his daily posts and learned much from his own investing mistakes which he was willingly glad to share.

SMOL – ( – A person who gave me the impression that he knows and has “everything” he wants in life and a philosophist in life too I guess. I really enjoyed his wisdom words and stories – always makes me think deeply about life.

SGYI – ( – A young person for his age who gave me the impression that he knows a lot of financial literacy issues that people of his age don’t. Great articles on a few topics he wrote which impacted many of us directly (CPF, housing, Loans matters). 

15HWW – ( – I think we are about the same age and almost similar portfolio as well. One of the few people in our finance community who tracks his incoming and outgoing cashflow on a continuous basis which I think is a great sharing to the public. A young couple with an ambitious target plan as well ;)

Gerald – ( – Another veteran who shares plenty of his experiences and thoughts on his posting for the other retail investor to learn ;-)

There’s a couple of other great bloggers such as AK71, Drizzt, PIB and BullytheBear which was much worth mentioning but I think I would not want to list down all here.

Q8 : Besides shares, what other investment are you involved in (e.g. Real Estates, Bonds or REITs etc)?
Beside the shares (which includes REITS) in my portfolio, I do have some stakes in the real estates overseas which I co-owned with my parents.

Q9 : What is your current Shares Investment portfolio size (in range, no need specific)?
The latest count I have was at $257K which is exceeding my 10 year target plan I designed when I started investing 4 years ago.

Q10. If the readers what to get in touch with you, how to get hold of you? (Sharing of your website/blog/social media profile etc..)
You may leave me a comment or PM me at my website ( and I will definitely follow up on your queries if I am able to help.

Like to take this opportunity to congratulate B for his new inclusion to his family and thank him for in-depth sharing of his story. Hope to catch up with him one day (face-to-face).
By the way, whether you are a lady or gentlemen (for that matter, boy or girl), as long as you are a retail investor and would like to be featured in my "Interview With The Fellow Investors" blog series, please feel free to email me at

For the complete list of my previous interviewees, do check it out here


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