Saturday, July 18, 2015

Interview With SK of Frugal Daddy

My next interviewee is a bit unique. Unique in the sense that I chatted with him (via private chat group) prior to this interview post and hence knew him a little bit more, as compared to other interviewees. So, I can be more candid about this post! Hehe.

He is non other than SK of Frugal Daddy. No, I am not talking about Seng Kang (SK), even though he stays near SK ;-) From the blog title, we can tell that  he is a daddy, a frugal one, no less. Besides, he is also a young daddy with big plan and end in sight.

Let's see what SK has to share with us on his investing journey.

Q1: Can you give us a brief introduction about yourself? 
A1 : I am working as a HR Professional. I hold a Bachelor of Commerce and a Specialist Diploma in Accounting and Finance. I have interest in personal finance and I enjoy writing about it in my free time.

I have clear goals in life, which is to have more personal time and choices in life. I am working towards it through financial independence by age 40.

Q2: Are you a full-time or part-time investor at the moment? 
A2: I’m a part-time investor.

Q3: When (at what age) did you start investing in shares and who has influenced you the most? 
A3 : I was 24 when I started investing. The person who influenced me is myself. When I started working, I realised we spend most of our awake time at work, and we need to put a meaning to it. I realised I am not living a life I want to. I am leading a life the society wanted me to.

Q4: Do you view yourself as long-term (holding shares in years), short-term investor (holding shares in days/months) or mixture?
A4 : I was a short-term investor. I am now going to be an long-term investor. 

Being an investor, I am investing in the business as a business partner. I was lucky that I have made a profit in short-term investing, but that was purely based on market sentiments and speculations. In the long run, I have an asset allocation strategy which I have talked about here:

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])?
A5 : I used fundamental, technical and ETF concepts. What is ETF concepts? It is to ride on general market sentiments as it tends to go higher in the longer terms.

For stock selections, I will based on fundamental analysis to ensure the business has a long term prospect and it is heading to the right directions. I will use chart (part of technical analysis) to visually understand the market sentiments for the stocks and what are the good entries points to buy and sell. 

Q6: What is your targeted and achieved annual rate of returns (%) so far? 
A6 : I am aiming to achieve 6% and I am achieving 5-6% dividends so far. 

Q7: What is your most recommended online investing resource (site or blog) to share with our readers?
A7 : I would recommend you to refer to It is a good one-stop read about finance matters by various bloggers. However, be mindful that different writers and articles advocate different investing strategies. Please refer them as learning points than decision-making. You will also get to read about money concepts and lifestyles thinking in this website that evolve around financial decisions.

Q8: Besides shares, what other investments are you involved in (e.g. Real Estates, Bonds or REITs etc)?
A8 : I have bonds-like instruments and a residential property. Other than that, it will be cash and shares, inclusive of REITs. 

Q9: What is your Portfolio Distribution like? 
A9 : 33% bonds, 6% equity , 61% cash. Please note that this is not an ideal asset allocation. I am looking for opportunity to buy more equity.

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..) 
A10. If you are keen to walk this journey towards financial independence with me, you can read my blog at

Last but not least, if 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

Also, for the complete list of my interviewees and their posts, check it out here.


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