# ![@paperboiko Avatar](https://lunarcrush.com/gi/w:26/cr:reddit::t2_1pg70xbm.png) @paperboiko paperboiko

paperboiko posts on Reddit about investment, retirement, singapore, bitcoin the most. They currently have [-----] followers and [--] posts still getting attention that total [--] engagements in the last [--] hours.

### Engagements: [--] [#](/creator/reddit::t2_1pg70xbm/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:reddit::t2_1pg70xbm/c:line/m:interactions.svg)


### Mentions: [--] [#](/creator/reddit::t2_1pg70xbm/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:reddit::t2_1pg70xbm/c:line/m:posts_active.svg)


### Followers: [-----] [#](/creator/reddit::t2_1pg70xbm/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:reddit::t2_1pg70xbm/c:line/m:followers.svg)


### CreatorRank: undefined [#](/creator/reddit::t2_1pg70xbm/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:reddit::t2_1pg70xbm/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  [cryptocurrencies](/list/cryptocurrencies)  [countries](/list/countries)  [technology brands](/list/technology-brands)  [currencies](/list/currencies)  [exchanges](/list/exchanges)  [stocks](/list/stocks)  [social networks](/list/social-networks)  [celebrities](/list/celebrities)  [travel destinations](/list/travel-destinations) 

**Social topic influence**
[investment](/topic/investment), [retirement](/topic/retirement), [singapore](/topic/singapore), [bitcoin](/topic/bitcoin), [stocks](/topic/stocks), [it s](/topic/it-s), [money](/topic/money), [if you](/topic/if-you), [ethereum](/topic/ethereum), [coins](/topic/coins)

**Top assets mentioned**
[Bitcoin (BTC)](/topic/bitcoin) [Ethereum (ETH)](/topic/ethereum) [Coinbase Global Inc. (COIN)](/topic/coinbase) [Morgan Stanley (MS)](/topic/morgan-stanley) [??Holder (BNBHOLDER)](/topic/holder)
### Top Social Posts
Top posts by engagements in the last [--] hours

"Retirees/Near-FI How are you protecting your portfolio from sequence of return risk singaporefi singaporefi"  
[Reddit Link](https://redd.it/1omj7cj)  2025-11-02T15:01Z [--] followers, [---] engagements


"Pre-Retirement Portfolio Check: Consolidate GOOG/CSPX into VWRA or IWDA+EIMI singaporefi singaporefi"  
[Reddit Link](https://redd.it/1ooo5c5)  2025-11-05T00:20Z [--] followers, [--] engagements


"Advice on [--] FIRE Portfolios for 40-50 Year Retirement (SG) singaporefi singaporefi"  
[Reddit Link](https://redd.it/1owt68v)  2025-11-14T10:43Z [--] followers, [--] engagements


"Portfolio allocation check: 40+ year retirement horizon (Singapore-based) Bogleheads Bogleheads"  
[Reddit Link](https://redd.it/1oyeyxb)  2025-11-16T06:56Z [--] followers, [--] engagements


"Moving from 100% equities to equities+bonds - SGD bond recommendations singaporefi singaporefi"  
[Reddit Link](https://redd.it/1oyes7y)  2025-11-16T06:46Z [--] followers, [---] engagements


"Fullerton SGD Cash Fund vs Endowus Cash Smart Secure for Emergency Fund singaporefi singaporefi"  
[Reddit Link](https://redd.it/1qud7ve)  2026-02-03T00:58Z [--] followers, [--] engagements


"Honestly sian listening to the excuses for train breakdowns already. SingaporeRaw SingaporeRaw"  
[Reddit Link](https://redd.it/1nnkndv)  2025-09-22T12:42Z [--] followers, [----] engagements


"Driver arrested in Chinatown car accident that killed six-year-old girl SingaporeRaw SingaporeRaw"  
[Reddit Link](https://redd.it/1qz2hex)  2026-02-08T07:19Z [--] followers, [---] engagements


"Advice needed for consolidating individual stocks into ETFs for retirement planning Bogleheads Bogleheads"  
[Reddit Link](https://redd.it/nmlumb)  2025-10-30T10:45Z [--] followers, [---] engagements


"Questions on Exercise options options"  
[Reddit Link](https://redd.it/1ajvuel)  2024-02-06T00:02Z [--] followers, [--] engagements


"Investment In Singapore Equities singaporefi singaporefi"  
[Reddit Link](https://redd.it/1ligv28)  2025-06-23T13:42Z [--] followers, [--] engagements


"My best-performing small investment was YouTube Premium. singaporefi singaporefi"  
[Reddit Link](https://redd.it/1ojmmdn)  2025-10-30T01:24Z [--] followers, [----] engagements


"Respect for Kenneth SingaporeRaw SingaporeRaw"  
[Reddit Link](https://redd.it/1oqfij3)  2025-11-07T00:25Z [--] followers, [----] engagements


"To husbands who retired early while your wife continued her career: How do you handle the family/social dynamics singaporefi singaporefi"  
[Reddit Link](https://redd.it/1qldiqb)  2026-01-24T04:48Z [--] followers, [---] engagements


"DCA or VCA or does the difference matters Fire Fire"  
[Reddit Link](https://redd.it/mf0e94)  2025-12-09T10:23Z [--] followers, [--] engagements


"Retirement targets for folks who plan retire in Singapore singapore singapore"  
[Reddit Link](https://redd.it/mf3ehw)  2025-12-05T01:29Z [--] followers, [--] engagements


"Noob question on HarmonyOS Huawei Huawei"  
[Reddit Link](https://redd.it/p5xnzk)  2025-10-21T22:37Z [--] followers, [--] engagements


"Sending ETH from binance to trezor Hi folks Crypto noob here. I've ETH on binance which I want to send to trezor one. I believe binance has not converted this to ETH2 yet but please correct me if this is not the case. Should I be selecting "Ethereum" OR "Ethereum Classic" in the trezor webpage What's the difference here Also for folks who has transferred ETH to trezor wallet how much was the charges Is it a fixed rate or progressive rate (meaning more you transfer the higher the cost) And what's the charges for transfering from trezor back to binance Finally does trezor charge any holding"  
[Reddit Link](https://redd.it/mesto5)  2021-03-28T02:43Z [----] followers, [--] engagements


"Binance fee is 0.01ETH. is that expensive Hey folks I'm transfering my coins from binance to my physical wallet. Binance is charging me a flat fee of 0.01ETH per transaction (no options to select cheaper fees) which works out to be 20USD. Is this the typical price for a transaction Personally I feel it's pretty expensive but love to get a sense from folks here of the typical rate one is paying"  
[Reddit Link](https://redd.it/mig9m0)  2021-04-02T08:47Z [----] followers, [--] engagements


"ETH hit AHT today But remember Feb [----] So ETH reached ATH today and folks are hi-5 each other saying it's going to the moon. I certainly hope it's going to the fking moon and all but do also remember that in Feb [----] it also reached an AHT before plunging by 25% ETH in Feb 2021(https://ibb.co/sjXSM14). For folks (like me) who lamenting that we did not buy more in the dip - don't beat yourself up the dip will come likely not as low as Feb. Ps: 90% of my Crypto portfoli is in ETH"  
[Reddit Link](https://redd.it/mimz2b)  2021-04-02T15:45Z [----] followers, [--] engagements


"Best place to buy ETH for non-US residents Hi folks which site would you recommend to buy ETH I'm not based in America at this time nor have a US bank account. Also my credit card does not permit usage for the purchase of crypto. Thanks"  
[Reddit Link](https://redd.it/mj5ozl)  2021-04-03T10:06Z [----] followers, [--] engagements


"Buying bitcoins for non US residents Any suggestions to where best to buy bitcoins for a non US residents Best if I can use PayPal or something as credit cards aren't permitted for crypto usage in my country currently (Edit: currently stationed in Singapore)"  
[Reddit Link](https://redd.it/mj632k)  2021-04-03T10:37Z [----] followers, [--] engagements


"Do you see Bitcoin and ETH as worthwhile investment Having a poll to hear from folks who's into fire. Do you see bitcoin and ETH which are the two largest crypto currency by market value as worthwhile investment Are the tulip bubble of our time Or they are invesment where first movers gain a super advantage Taking a poll to find out what folks think View Poll(https://www.reddit.com/poll/mlqv6b)"  
[Reddit Link](https://redd.it/mlqv6b)  2021-04-07T01:17Z [----] followers, [--] engagements


"Argunment on "Don't hold bitcoin as it's not based on anything" I got this a lot "bitcoint is backed by nothing but only fluff. It can easily go down". My thought on this is that [--]. Bitcoin has limited supply and the price of it is based on how people (for which there are a lot of people) feel for it. [--]. These group of people come from many walks of life across geo locations. This large number of diverse people ensures "limited" volatility. [--]. This is different from currency where the country can literally print a lot of money. And the price of the currency literally dependent on how the"  
[Reddit Link](https://redd.it/mspwyn)  2021-04-17T12:35Z [----] followers, [--] engagements


"Thought on JIm Cramer selling off crypto to pay house mortgage Jim Cramer sold Bitcoin to pay his mortgage(https://fortune.com/2021/04/15/paying-with-bitcoin-jim-cramer-sale-house-mortgage-amount-price/utm_campaign=fortunemagazine&utm_source=facebook.com&utm_medium=social&xid=soc_socialflow_facebook_FORTUNE) Couple of thoughts from reading this brief article: [--]. We know bitcoin should be treated as part of a portfolio but hearing this from someone who works extensively on stock markets and who has wide following in the stock space (nevermind if you agree or disagree with his stock"  
[Reddit Link](https://redd.it/mv8b6f)  2021-04-21T04:35Z [----] followers, [--] engagements


"Folks we hit it. ETH has crossed the USD [----] threshold"  
[Reddit Link](https://redd.it/n3lpvx)  2021-05-03T02:19Z [----] followers, [--] engagements


"How to stake ALGO Hi folks I just made my first purchase into ALGO today :) Does anyone know if ALGO support staking and if so how this can be done I bought by Coinbase so if staking can be done via exchange that would be great :)"  
[Reddit Link](https://redd.it/n53v08)  2021-05-05T01:25Z [----] followers, [--] engagements


"Any recommendations for wallets to store algorand and earn staking rewards Hi folks I just got into algorand today. Would like to earn staking re weds but coinbase where I bout the coins does not support staking in my country. Hence I'm looking to see if it make sense to send my algo to a wallet. Any recommendations for a safe and reliable wallet which also have staking Also have anyone used the algo wallet algorand wallet(https://algorandwallet.com/) please share your experience if you have. Thanks mate"  
[Reddit Link](https://redd.it/n54i71)  2021-05-05T01:59Z [----] followers, [--] engagements


"Bitcoin is coming to hundreds of US banks this year says crypto firm NYDIG Woo woo. As BTC and crypto gets more publicity and interest from retain investors there should be more demand meaning greater rise in the price. https://www.cnbc.com/2021/05/05/bitcoin-is-coming-to-hundreds-of-us-banks-says-crypto-firm-nydig-.html__source=androidappshare"  
[Reddit Link](https://redd.it/n5ej6d)  2021-05-05T12:16Z [----] followers, [--] engagements


"Deposit fund by Banxa not showing up I just deposit money into my OKEx account via Banxa but it's not being reflected in my OKEx account. My credit card showed that the transaction went through. This is my first time sending money to OKEx. Can anyone help please"  
[Reddit Link](https://redd.it/n71jnt)  2021-05-07T15:45Z [--] followers, [--] engagements


"Algorand bought during ATH :( Bought some during ATH time algorand portfolio down by 8%. Anyone in same boat And are you buy more to average down the loss"  
[Reddit Link](https://redd.it/n84imp)  2021-05-09T02:35Z [----] followers, [--] engagements


"Woo woo ETH hit 4K USD"  
[Reddit Link](https://redd.it/n8va54)  2021-05-10T03:52Z [----] followers, [--] engagements


"Stop retweeting Elon tweet - don't give him your microphone Elon a great visionary and engineer. But his tweets on crypto serve to do **nothing** for the crypto community except to manipulate the prices. It's add volatility to the coins which forced the crypto investor and community to either load up when it's high or sell when its low. IMO we are his partners in crime if we extend the reach of his manipulative propaganda. Hence appealing to folks to not give him your microphone. Every bit helps"  
[Reddit Link](https://redd.it/neeoh1)  2021-05-17T12:17Z [----] followers, [--] engagements


"No better time than now to load up on ETH. Ethereum Faces Weekend Rout But Some See ETH Doubling From Here(https://www.forbes.com/sites/kenrapoza/2021/05/16/ethereum-faces-weekend-rout-but-some-see-eth-doubling-from-here/sh=77758db63817) If you have thought to invest in ETH this is as best a time as any to load up on ETH"  
[Reddit Link](https://redd.it/nj10ao)  2021-05-23T05:35Z [----] followers, [--] engagements


"Traders taking excessive risk in the bitcoin market being forced to sell when the price goes down were the bigger culprits for last weeks 30% drop in bitcoin prices according to analysts. CNBC Source(https://www.cnbc.com/2021/05/25/bitcoin-crashes-driven-by-big-margin-bets-new-crypto-banking.html) "Traders taking excessive risk in the unregulated cryptocurrency market being forced to sell when prices go down were in large part responsible for last weeks 30% drop in prices and outages for major exchanges according to analysts. A burgeoning bitcoin lending market is also adding to the"  
[Reddit Link](https://redd.it/nks5nl)  2021-05-25T15:16Z [----] followers, [--] engagements


"Seeking feedback and advice on my chest workout routine Share your experiences and tips Reddit"  
[Reddit Link](https://redd.it/13x9m6a)  2023-06-01T05:56Z [--] followers, [--] engagements


"4% rule apply to SP500"  
[Reddit Link](https://redd.it/15x6j4x)  2023-08-21T12:39Z [----] followers, 16.2K engagements


"Transfer accounts in IBKR"  
[Reddit Link](https://redd.it/1798x7g)  2023-10-16T15:39Z [----] followers, [----] engagements


"IBKR LLC versus IB-SG"  
[Reddit Link](https://redd.it/17izli1)  2023-10-29T09:51Z [--] followers, [--] engagements


"IBKR interest rates"  
[Reddit Link](https://redd.it/17uq8tr)  2023-11-14T01:02Z [----] followers, [--] engagements


"Investing of sum of money"  
[Reddit Link](https://redd.it/17uqn8s)  2023-11-14T01:21Z [----] followers, 70.3K engagements


"What I'm looking from the next leadership **A. Fairness: Not just in law but more importantly be perceived as fair.** Examples: [--]. Ensure equality in national service obligations avoiding disparities between new citizens and locals. NS obligations of citizens make their working challenging in that often times one have to catch up with the backlog after coming back. [--]. Address the contradiction of promoting foreign talent in the local economy for competitiveness while resisting opposition within the government. [--]. Consider tying government salaries to bottom earners with amplifier factor"  
[Reddit Link](https://redd.it/1852d81)  2023-11-27T12:57Z [----] followers, [---] engagements


"Grab replacement"  
[Reddit Link](https://redd.it/189hukr)  2023-12-03T01:02Z [----] followers, [----] engagements


"Different results from financial calculators of FIcalc and Vanguard calculator I'm using Fi calculators of [--]. FI Calc(https://ficalc.app/) [--]. Vanguard retirement nest egg calculator(https://retirementplans.vanguard.com/VGApp/pe/pubeducation/calculators/RetirementNestEggCalc.jsf) And both are giving different results where FI Calc shows 100% success while Vanguard shows 90% success rate. In both calculators I used the same settings of a. [--] years retirement b. 3% withdrawal of portfolio per year c. 100% stocks. Respective Guides shows both are using US assets of SP500. Any idea why"  
[Reddit Link](https://redd.it/18kn7j5)  2023-12-17T18:06Z [----] followers, 85.8K engagements


"Monte carlo simulation with Vanguard Calculator seems overly conservative I was trying to check how I can reach 100% safe retirement with Monte Carlo simulation. From Vanguard calculator (https://retirementplans.vanguard.com/VGApp/pe/pubeducation/calculators/RetirementNestEggCalc.jsf) to get a 100% safe retirement with 100% stocks allocation it seems like I've two options: A. 1% withdrawal rate over [--] years of retirement period. B. 3% withdrawal rate over [--] years of retirement. Both options look incredibly conservative (imo). Does folks know if I am doing anything incorrect here Thanks"  
[Reddit Link](https://redd.it/18l3s58)  2023-12-18T08:20Z [----] followers, [---] engagements


"Monte Carlo simulation return results that are overly conservative. Is this right I was trying to check how I can reach 100% safe retirement with Monte Carlo simulation. From Vanguard calculator (https://retirementplans.vanguard.com/VGApp/pe/pubeducation/calculators/RetirementNestEggCalc.jsf) to get a 100% safe retirement with 100% stocks allocation it seems like I've two options: A. 1% withdrawal rate over [--] years of retirement period. B. 3% withdrawal rate over [--] years of retirement. Both options look incredibly conservative (imo). Does folks know if I am doing anything incorrect here"  
[Reddit Link](https://redd.it/18l45es)  2023-12-18T08:46Z [----] followers, [--] engagements


"Prepaid SIM card for South Korea removed korea korea"  
[Reddit Link](https://redd.it/18lwjss)  2023-12-19T07:51Z [----] followers, [--] engagements


"Using IBKR for FX exchange As title suggest does anyone know if IBKR penalises if I transfer USD to IBKR for concession to SGD and then transferring SGD out immediately Addendum What if I made that conversation but do not withdraw immediately but rather keep that for say 2-3 months Would I get any restrictions singaporefi singaporefi"  
[Reddit Link](https://redd.it/18rooab)  2023-12-27T01:54Z [----] followers, [--] engagements


"Holding SGOV for short term Novice question in treasury bonds I have some USD that I would need to use in [--] months. Basically I would need to conver to SGD. I'm thinking of buying SGOV iShares 0-3 Month Treasury Bond ETF NYSEARCA: SGOV and earning some yield. Does folks know if this is a safe asset to hold for [--] months (ie would there be price drop) Also it seems like the price is lowest at start of the month and peak at end of the month. Is this a consistent trend investing investing"  
[Reddit Link](https://redd.it/18rtbki)  2023-12-27T05:51Z [----] followers, [--] engagements


"Transfer shares from Morgan Stanley Stock Connect I have a Morgan Stanley Stock Connect account where my company's stock are vested. This account cannot be used for trading but simply be used for selling of vested sharea I have a IBKR Singapore account and I like to transfer my shares from MS to IBKR. Does anyone know if this is doable Fyi I'm baesd in Singapore so there is no capital tax. FinancialPlanning FinancialPlanning"  
[Reddit Link](https://redd.it/19bdsk5)  2024-01-20T15:09Z [----] followers, [--] engagements


"Does the IBKR android app works well on foldable phone I'm looking to get a foldable phone. Most likely the Oppo Find N3 version. Has anyone use the IBKR mobile app on the foldable phone and does it works well Asking as previously (couple of years back) I heard that most apps are not optimized for such display and hence most apps don't really work well on foldable phone. Wondering if that is still the case. Finally welcome model recommendations for the phone. Thanks. interactivebrokers interactivebrokers"  
[Reddit Link](https://redd.it/1ab9nqw)  2024-01-26T04:19Z [----] followers, [--] engagements


"Possible to lose capital on SGOV Looking to put my money say 1K in a super safe instrument for [--] to [--] months while earning some interest. Found SGOV and understand that SGOV is tied to federal interest rate. Say if I buy 1K worth of SGOV. In the event that the interest rate drop would there be a chance that the original amount at point of sale is less than 1K (original investment) financialindependence financialindependence"  
[Reddit Link](https://redd.it/1an9o3l)  2024-02-10T06:11Z [----] followers, [--] engagements


"Thought of investing CPF OA I primarily invest in global stocks (CSPX and IWDA) using cash not my CPF savings. I view CPF savings as similar to bonds offering a safety net with lower potential returns. Given the recent CPF changes I'm considering investing my CPF savings and would appreciate your insights: Do you invest your CPF savings If so what are some recommended methods" singaporefi singaporefi"  
[Reddit Link](https://redd.it/1b25gjz)  2024-02-28T12:57Z [----] followers, [--] engagements


"Lawrence Wong to take over as Singapore Prime Minister from Lee Hsien Loong on May [--] SingaporeRaw SingaporeRaw"  
[Reddit Link](https://redd.it/1c4h0zj)  2024-04-15T08:25Z [----] followers, [--] engagements


"Bezos Zuckerberg Lead Magnificent Seven Insider Stock Sales Anyone else in this community offlloading their shares If so what's your strategy here (eg putting in TBills to come back later when market stumble) singaporefi singaporefi"  
[Reddit Link](https://redd.it/1cp9706)  2024-05-11T04:35Z [--] followers, [--] engagements


"Planning a Family Safari Trip to Kenya (June 2025) - Seeking Recommendations Hi everyone I'm planning a dream family trip to Kenya for June [----] and would love some advice from seasoned safari-goers especially those traveling with kids My daughter is [--] years old and this will be our first time in Kenya. **Questions:** *Safari vs. City Stay*: We've heard amazing things about safaris but I'm unsure if it's best to stay in Nairobi and take day trips or stay directly in a safari lodge/camp. *Safari Duration:* If staying within a safari park how many days would be ideal Safaris seem expensive but"  
[Reddit Link](https://redd.it/1dmi5rs)  2024-06-23T09:12Z [----] followers, [--] engagements


"Planning a Family Safari Trip to Kenya (June 2025) - Seeking Recommendations Hi everyone I'm planning a dream family trip to Kenya for June [----] and would love some advice from seasoned safari-goers especially those traveling with kids My daughter is [--] years old and this will be our first time in Kenya. **Questions:** *Safari vs. City Stay*: We've heard amazing things about safaris but I'm unsure if it's best to stay in Nairobi and take day trips or stay directly in a safari lodge/camp. *Safari Duration:* If staying within a safari park how many days would be ideal Safaris seem expensive but"  
[Reddit Link](https://redd.it/1dmltpo)  2024-06-23T13:11Z [----] followers, [--] engagements


"Recommendation for solar films for house Any recommendation for solar films to block out the heat from sun. House facing west sun 🥵 askSingapore askSingapore"  
[Reddit Link](https://redd.it/1ee78g5)  2024-07-28T13:18Z [----] followers, [--] engagements


"Income-Allianz deal: NTUC central committee did not know about capital reduction plan says Desmond Tan Super concerning that NTUC leadership's and MPs had pushed for this sale earlier. SingaporeRaw SingaporeRaw"  
[Reddit Link](https://redd.it/1g515zo)  2024-10-16T14:48Z [----] followers, [--] engagements


"Balancing Company Stock and Diversification: Seeking Optimal Portfolio Allocation Hey everyone I'm currently reevaluating my investment strategy. A significant portion of my portfolio is tied to company stock due to my employment. While this has its benefits I'm considering diversifying into broader market ETFs like VTI VOO VT. I'm curious to know how you approach asset allocation especially when dealing with concentrated positions like company stock. What strategies do you employ to balance potential risks and rewards Any insights or experiences would be greatly appreciated."  
[Reddit Link](https://redd.it/1ggadga)  2024-10-31T09:22Z [----] followers, [--] engagements


"Safe Withdrawal Rate for International Investments (IWDA VXUS) I've been diving deeper into retirement planning and have a question about Safe Withdrawal Rates (SWR) for international investments. The classic 4% rule is often tied to the S&P [---]. However I'm diversifying my portfolio with ETFs like IWDA and VXUS to capture international developed market exposure. Here's my question: * How do you approach SWR when investing in international markets * Are there specific considerations or adjustments to the 4% rule that I should be aware of I'm curious to hear your thoughts and experiences."  
[Reddit Link](https://redd.it/1gmywfg)  2024-11-09T01:34Z [----] followers, [--] engagements


"4% Rule for International Index Funds for A Boglehead Question We know the 4% rule is a popular guideline for retirement withdrawals. But how does it apply to international index funds like IWDA and VXUS Considering factors like currency fluctuations and potential sequence of returns risk can we still rely on the 4% rule for a globally diversified portfolio Bogleheads Bogleheads"  
[Reddit Link](https://redd.it/1gmz5e0)  2024-11-09T01:47Z [----] followers, [--] engagements


"Has anyone used CNN Business's 12-month stock price projections I came across this 12-month price projection for META on CNN Business(https://edition.cnn.com/markets/stocks/METAiid=cnn-mobile-app#forecasts). Has anyone used their projections before How accurate have they been in your experience I'm curious to know if it's worth considering when making investment decisions. stocks stocks"  
[Reddit Link](https://redd.it/1gndamw)  2024-11-09T16:04Z [----] followers, [--] engagements


"Rakuten travel experience Bought Universal Studio Osaka express pass from them. And it's showing up as "in-review" Can someone from rakuten please help Rakuten Rakuten"  
[Reddit Link](https://redd.it/1h4jjbt)  2024-12-02T01:38Z [----] followers, [--] engagements


"Unmask NRIC Was searching for "Advisory Guidelines on the Personal Data Protection Act for NRIC and other National Identification Numbers" and found that the message "The document is temporarily unavailable as it is undergoing updates" link(https://www.pdpc.gov.sg/guidelines-and-consultation/2020/02/advisory-guidelines-on-the-personal-data-protection-act-for-nric-and-other-national-identification-numbers) Went to internet archive and found this May [----] Snapshot. Link here:"  
[Reddit Link](https://redd.it/1he117v)  2024-12-14T11:29Z [----] followers, [--] engagements


"Good spin Stop putting a spin on a bad job. If you want to use the word "despite" it should be: **Despite the increase in fares government increased spending to manage the trains and the hiring of "seemingly infallible army generals" we still have to endure train outages - so regular now that if there is no outage we genuinely fear a major outage like the one week halt we saw earlier this year.** This is the way to use the word "despite". u_paperboiko u_paperboiko"  
[Reddit Link](https://redd.it/1hn5say)  2024-12-27T03:27Z [----] followers, [--] engagements


"IWDA vs CSPX for Long-Term (10+ Years) Lump Sum Investment I'm looking to invest a lump sum for the long term (10+ years). I'm considering two ETFs: * IWDA: Invests globally across developed and emerging markets. * CSPX: Tracks the S&P [---]. Pros of IWDA: * Diversification across global markets. But quite frankly heavily weighted in US markets. Pros of CSPX: * Historically strong performance. * Lower expense ratio. Which ETF would you recommend for my investment horizon and risk tolerance singaporefi singaporefi"  
[Reddit Link](https://redd.it/1hxdopy)  2025-01-09T14:14Z [----] followers, [--] engagements


"Using IBKR TWS on Chromebook Hi is it possible to install and use TWS.on Chromebook Anyone has successfully tried it and how the experience Edit for context: Asking since the IBKR website did not mention support for Chromebook but there are website with instructions of how to install them on Chromebook interactivebrokers interactivebrokers"  
[Reddit Link](https://redd.it/1hyr9o4)  2025-01-11T08:04Z [----] followers, [--] engagements


"IBKR desktop Has anyone tried it yet How do you feel about it UX compared to the IBKR App or IBKR TWS interactivebrokers interactivebrokers"  
[Reddit Link](https://redd.it/1i64xud)  2025-01-20T23:49Z [----] followers, [--] engagements


"Dealing with a leeching "collaboration" group Been in the company for a while now and recently got added to a "strategic initiative projects" working group. Thing is it's made up of folks have zero relevant background or technical expertise. Think "strategic initiatives" but with extra buzzwords. Many time my team (let's just say we handle data stuff) has to work with them they basically just take our work slap their name on it and present it to management like it's their own. Think along the lines of them sending emails to upper management about our "joint collaboration" and including our"  
[Reddit Link](https://redd.it/1j44bv6)  2025-03-05T14:29Z [----] followers, [--] engagements


"Why no credible opposition to Jalan Besar GRC Tldr: Jalan Besar seems easy picking. Jo Teo couldn't even secure enough votes from cadres to make it into the CEC which speaks volumes about her standing even within her own party members. Then there all the greatest hits on: * The "small space for sex" comment * Claiming no foreign workers asked for government apologies during the COVID dorm crisis * The awkward fake tears/smiles * The NRIC fiasco on top of everything else. She's also got that highly-paid Mayor position in her GRC that nobody can really explain the purpose of. Honestly Jalan"  
[Reddit Link](https://redd.it/1k1ufro)  2025-04-18T02:35Z [----] followers, [----] engagements


"Actual issue of "Crowd Surge at Ci Yuan" removed askSingapore askSingapore"  
[Reddit Link](https://redd.it/1k3ea7g)  2025-04-20T04:12Z [----] followers, [---] engagements


"When Sorry is Not Enough Context: NCM gave a (half-hearted) apology for approving sale of NTUC to Allianz video(https://youtube.com/shorts/FPVhKDLaBRU) When you tried to sell off NTUC Income - an institution built by our parents' generation to provide affordable insurance for Singaporeans in need then I'm sorry to say that "sorry" just does not cut it. The fact remains that Allianz planned to extract $1.85 billion after the sale to return to shareholders. This ought to have been known and revealed to the public **PRIOR** to your approving the sale. As Secretary-General it was YOUR JOB to"  
[Reddit Link](https://redd.it/1k95quc)  2025-04-27T14:52Z [----] followers, [---] engagements


"Don't Spoil Your Vote. **Spoilt votes DON'T count toward popular vote percentages** - When you spoil your ballot it's not counted in the popular vote tally that shows national support for each party. **Popular vote percentages matter beyond who wins** - These numbers influence policy directions future candidate selections and how seriously parties take voter concerns SingaporeRaw SingaporeRaw"  
[Reddit Link](https://redd.it/1kb5iuz)  2025-04-30T02:13Z [----] followers, [---] engagements


"Vote with Our Heart Not Our Fear I'm not a political expert or influencer - just a concerned Singaporean like many of us. **Don't waste your vote.** I've heard friends say they might spoil their ballot because "what's the point" or "the other party sux". But trust me every number in that popular vote count sends a message even when it doesn't translate to seats. ## What kind of Singapore are we building I keep thinking about that Cantonese exchange in Parliament where legitimate questions were met with mockery. Is that really who we are now When I see how the SimplyGo transition was handled"  
[Reddit Link](https://redd.it/1kbxygr)  2025-05-01T02:17Z [----] followers, [---] engagements


"Would a Good Coach Risk Their Best Players An Honest Question deleted SingaporeRaw SingaporeRaw"  
[Reddit Link](https://redd.it/1kc0snu)  2025-05-01T05:01Z [--] followers, [--] engagements


"Singapore government clean image in spotlight. Reuter news article: https://www.reuters.com/world/asia-pacific/singapore-ministers-lawmaker-under-scrutiny-over-dinners-attended-by-convicted-2025-05-06/ Govt should set up andl inquiry possibly activating CPIB to investigate. Ensure that investigation are transparently conducted without bias or favors. After that release findings to public. Keeping quiet and hoping that this will blow over is not going to cut it. Strong mandate given to government means expectations is high. SingaporeRaw SingaporeRaw"  
[Reddit Link](https://redd.it/1kgp2ym)  2025-05-07T04:47Z [----] followers, [---] engagements


"P3 Son Struggling with Math - Tutor or Centre (e.g. The Learning Lab) removed SGExams SGExams"  
[Reddit Link](https://redd.it/1kpyfpz)  2025-05-19T00:13Z [----] followers, [--] engagements


"ExUS ETF Given the high PE ratio of SP500 companies I'm concerned about the expected [--] year returns of SP500. Looking to divest out of SP500 to nonUS world ETFs which is domicile in Ireland (ideally accumulating). I was looking at VXUS but that's domicile in US. Any recommendations ETFs ETFs"  
[Reddit Link](https://redd.it/1leafij)  2025-06-18T06:52Z [--] followers, [--] engagements


"Time to skip scoot airline removed SingaporeRaw SingaporeRaw"  
[Reddit Link](https://redd.it/1lxnsgc)  2025-07-12T01:09Z [--] followers, [---] engagements


"Recovery stats (recover time) not avail for swimming Why is recovery stats not available for swimming but is available for other exercise Is it a bug or is that something I need to manually enable in Huawei Health app HuaweiWatchGT HuaweiWatchGT"  
[Reddit Link](https://redd.it/1lxy0c4)  2025-07-12T11:17Z [--] followers, [--] engagements


"Bicycle damaged in condo Tldr- Parked my bicycle in designated place in the condo. Condo has some minor paint job repair and there is paint splatter on my bicycle seat and handle bar. It's the same color as that used in the condo minor repair works. I went to MCST and they told me that I cannot prove that it's from their repair 😳 What are my options SingaporeRaw SingaporeRaw"  
[Reddit Link](https://redd.it/1mjkgsc)  2025-08-06T23:38Z [--] followers, [--] engagements


"PSA: The gym is not your personal toilet or bedroom. A little public service announcement. A slight grunt when you're pushing a PR Fine. We've all been there. But the guttural vein-popping grunt like you're trying to pass a kidney stone the size of a kettlebell Nobody is impressed. When we all turn to look its not admiration. It's secondhand embarrassment. We're collectively wondering if we should offer you a laxative. There are only two socially acceptable venues for that sound: a locked bathroom stall or the bedroom. The free weights area ain't it. And to the guy at Anytime Fitness United"  
[Reddit Link](https://redd.it/1nce1xj)  2025-09-09T09:15Z [--] followers, [--] engagements


"Moving to ETH Fed And ECB Kryptonite Could Break Bitcoin Despite Massive Price SurgeBut Heres Why Ethereum Could Triumph https://www.forbes.com/sites/billybambrough/2021/03/20/fed-and-ecb-kryptonite-could-break-bitcoin-despite-massive-price-surge-but-heres-why-ethereum-could-triumph/sh=4e9d3b402152 This is good news for ETH holder. How's your diversification in crypto like Love to hear your thoughts. CryptoCurrencies CryptoCurrencies"  
[Reddit Link](https://redd.it/m9n2q8)  2021-03-21T03:12Z [----] followers, [--] engagements


"What's your portfolio distribution between stocks bond cryoto and others (and your investment horizons) Mine is 90% stocks 10% cryoto. I'm hoping to retire in 5-10 years. Does the portfolio distribution make sense given the investmen time horizon I'm looking at growth at this time. Would love to hear your thoughts and great if you could also share your distributon as well. investing_discussion investing_discussion"  
[Reddit Link](https://redd.it/mieevr)  2021-04-02T06:18Z [----] followers, [--] engagements


"Question on CSPX Hi folks I'm looking to move my fund from VTI to CSPX (due to greater dividend and presence estate tax in the former). Noob question - is CSPX liquid specifically do you find it easy to sell at the price I'm asking as the volume of trade in CSPX is much lower than in VTI. Also I'm using IBKR. On the platform it's showing up as CSSPX (additional 'S'). Want to confirm if its the right one 😅 Thanks Edit: Just found that IBKR has their own symbol for CSPX. https://cdcdyn.interactivebrokers.com/en/index.phpf=567&exch=lseetf singaporefi singaporefi"  
[Reddit Link](https://redd.it/nljvh8)  2021-05-26T15:34Z [----] followers, [--] engagements


"FIFA announces partnership with blockchain innovator Algorand"  
[Reddit Link](https://redd.it/uhatrc)  2022-05-03T07:38Z [----] followers, [--] engagements

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