To The Moon

🌟🌟🌟Investing can be an art and a science for small retail investors like me. 

The Art : This is where intuition, storytelling and emotion come in.  We fall in love with business models, admire founders who defy odds and sometimes buy a stock because it feels like us - plucky, visionary and quietly powerful.  We hold through storms not because of charts but because of our conviction.

The Science : This is the discipline.  The compounding maths.  The quarterly earnings.  The asset allocation.  The rebalancing.  The boring bits that quietly build wealth while we sleep.  It is the part that says "Don't chase.  Don't panic.  Don't YOLO into meme stocks because your best friend says it is the next Tesla."

The Magic :  When art and science meet - that is where the magic happens.  I bought Nvidia $NVIDIA(NVDA)$  not just for its AI moat but because it reminds me of my own reinvention.  I bought DBS $DBS Group Holdings(D05.SI)$  because it represents Singapore's growth story.

Retail Investing isn't about beating Wall Street.  It is about achieving my goal of FIRE - Financial Independence Retire Early. 

Retail Investing is about building a life portfolio that reflects who I am, what I value and where I am going. 

Retail Investing is also about building a legacy for my kids and future generation of Singaporeans. 

Here are my favourite retail Investing rules that actually work:

Hold Long, Hold Strong :

Time in the market beats timing the market.  Unless you have a crystal ball or a hotline to Jerome Powell, trying to buy low and sell high is like chasing butterflies in a hurricane. 

Know your companies.  Don't just buy tickers.  Buy their missions.  Buy businesses you would be proud to own for a long time.

Ignore the noise.  CNBC will have big headlines.  Reddit will meme.  Your cousin may swear by a penny stock that is about to "explode".  Smile politely, then go back to your plan.

Celebrate small wins.  A 10% gain on a USD 5,000 position is still USD 500.  That is gift.  That is progress.  Don't let scale blind you to meaning.

Invest with a heart but not drama.  It is okay to feel proud of your portfolio.  Just do not let fear or FOMO drive your motivation. 

Concluding Thoughts 

I am a long term holder.  I do not time the market.  I trust it.  I plant seeds, not chase shadows.  Every dividend, every compounding quarter, every quiet gain is a whisper that says "I am doing just fine."

So if you are a retail investor like me with a modest portfolio and a mighty heart - A warm welcome.  You are not small.  You are early.  You are exactly where you need to be.

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