Previously, histories had shown, highly good companies are also impacted by crashes or corrections. Some are even "gone" or half dead.

I am not worry as I dont "concentrate"

All good investor concentrate their holdings. To tell you to diversify is textbook style which I never follow.

This post has been edited by Ramjade: Sep 23 2025, 08:04 AM

Good choice if that suits you.
Good luck with your choice

Good choice if that suits your spouse choice too
Good luck with her choice

Good luck with your family choice too

This post has been edited by MUM: Sep 23 2025, 08:13 AM

I see it differently from u cos i believe there is very less job security n opportunity in the future. Many jobs will be contract or gig type. My child can afford to skip regular job n go straight into the investment way.

This post has been edited by MGM: Sep 23 2025, 08:12 AM

Thanks. I let masters and results speak for themselves.

I am still diversified by around 30 holdings. I don't do Pokémon like xuxan once said are you gonna catch them all?

You still have to diversify only cannot over diversify.
There is this thing call diworsification.

Exactly my thoughts and even before Adam Khoo pointed out on his YouTube channel the faster you can get to financial independence, the less you need to worry that AI can take your job.

Intro of AI make me even more fired up and motivated as ASSI said having passive income that can cover your expenses makes you less worried about letting go from a job (something like that). This is a very true saying in this day and age. How many can ask themselves are you ok if you got no job tomorrow? I can honestly answer it would be ok.

This post has been edited by Ramjade: Sep 23 2025, 08:38 AM

So now diversify to 30 stocks.
Having 30 stocks is not really "concentrate their holdings" per se.

Holding 30 stocks is not diversify? And you are still no following textbook style?

This post has been edited by MUM: Sep 23 2025, 08:47 AM

It's because I hold multiple stocks across different counties.

Er nope. Some people have like 50-100 companies. Seen it before they post their portfolio.

There is this guy in Singapore. He owns like 200 stocks. Anything that pays dividend he buys even if it's lousy.

This post has been edited by Ramjade: Sep 23 2025, 09:02 AM

With 30 stocks in multiple countries, it is just like what most UT funds managers do to diversify their global portfolios.

So in my opinion, your portfolio is diversify not concentrated as you said to be.

This post has been edited by MUM: Sep 23 2025, 09:13 AM

For most ppl the first pot of gold is the hardest to get. Where can u get the pot of gold other than from your work, unless daddykasi.

Yes that is correct you need the first pot of gold to make the second pot. You need money to money. That's why for first 10 years use the money saved from working to invest it so that it can make you the second pot of gold.

Yes for my child it is daddy kasi. And we r holding hands to explore the stock investment option on top of my existing assets.

Curious, i assume u dont encourage/expect your children to work a regular job, do u at least expect them to get a “useful” uni degree or anything goes as long as they graduate? Or education too is no longer essential?

Just graduated in Engineering. Chose this because local IPTA qualification is recognised overseas. Already rejected local job offer of 4k. Prefer SG but if toxic can afford to quit the company. Actually encouraged to go into biz.
There is currently a trend according to media youngsters have started to favour vocational education. In China some millions of graduates have gone to vocational reeducation after getting disillusioned with white collar jobs.

This post has been edited by MGM: Sep 23 2025, 10:22 AM

Depending on the portfolio size, anything above 15 holdings can be consider diversified. Even BRK with billions in portfolio holding 30+ stocks. I myself around this although is fewer zeroes. BRK however concentrate around top 5 stocks. My portfolio is considered diversified, although I'm a more concentrate in certain sector. What is your current cash ratio within your portfolio?

This post has been edited by jasontoh: Sep 23 2025, 10:13 AM

Close to zero as I keep buying everytime money comes in. Buy when there are discount. Cause things don't go on sale for long.

Engineering is under professional, white collar better

Vocational no need university, polytechnic diploma can do
But hands on can be physically taxing...less prestige..

Is Singapore offering higher than 4000 for new Eng grads from Malaysia?
No discrimination?

Median pay for fresh engineering grads from the top unis in SG is around 4k. Their MOE publishes the data - but its skewed because those that has shit pay or no job wouldn't fill in these kind of survey gua.

Secondly, roughly 50% of the graduates each year can't find a job.



Things are tough out there.

Governments like MY and SG keep pushing up retirement age. Officially to deal with longer lifespans and pension gaps. But let’s be real: the result is obvious. Older workers cling to their jobs longer, reducing opportunities for younger cohorts to rise, and boom… graduate unemployment/ underemployment everywhere.

It’s kind of funny. Everyone talks about wanting innovation and opportunities for the youth, but the system is literally designed to keep the old guard parked in their chairs. And guess what, the older crowd is usually the most resistant to change. Since govs are supposed to represent the people, I guess that means people and businesses like it this way? Lol.

The real problem is mindset. Folks in their 40s, 50s, 60s still think of work like it’s the 19th or 20th century: trade time for wages, hang on for dear life, waiting for retirement. That might have worked when lifespans were shorter, but now? Totally outdated. These days, it’s about rethinking "work": gig economy, side hustles, FIRE, passive income, whatever gets you out of the hamster wheel.

And seriously… if one don’t know what to do with life by 40, what makes he think he will figure it out at 70 when the brain’s much slower and less flexible?

Won't want to steer to much into politics else get red card again lol.

But, government represent the majority voters. And those who votes tend to be older crowd. So everything is skewed to them - if they can't work and make money - they can't have a good living - they vote opposition. So, prolong the retirement age - give them more subsidies.

The young ones? Claim they lazy, not hardworking, not gritty, not government's fault.

Exactly can see some people here does not like young people retire early. Yes anything to get off the hamster wheel. The sooner the better for one health and family members.