April was generally a flat month with slight increase in equity value. Most of the time, I was watching the markets for movements that could present a buying opportunity but none realized. My portfolio target moved up to 5% which I'm rather pleased with. Question now is, how to improve further without much investment option available and with seemingly high risk presently? I'm still not convinced this is a good time.
My car has six months till the COE expires. With the fee coming close to S$120k, is it better to renew or do away with it? I'm in a lose-lose situation. For work, I drive close to two hours a day due to the distance from my house and the need to meet external parties, clocking an average of 16000km per year. If I take public transport to work and after a trial, the time taken is two hours one way, assuming minimal waiting time. Theoretically, it would be better if I switch job to a nearer location but it's not a possible option at the moment. Therefore, should I pay for the convenience or perhaps go with private hire transport? It's a trade-off between cost and time. Such a headache which I'm sure quite a number of people have too. Maybe I will renew the COE for five years and see what happens.
Dividends as of March 2026: $2599.49 (avg $649.87 per month)
Tip: Night Emperor Tokubetsu Junmai, medium dry and soft edges, pair with grilled meats
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