FIRE in Singapore: the Investing Engine Behind Financial Independence
FIRE is a portfolio problem. The 25x rule, where CPF fits from 55 and 65, and the 3 stages of the investing engine that gets you there.
Entries by Spencer Li
Hokkaido Road Trip: 15 Days, 1 Rental Car and What We Actually Ate
A 15-day Hokkaido road trip in July 2026: the route, the rain on my 40th, and the 15 meals that made my final list, stop by stop.
The Psychology of Money Summary: Morgan Housel’s Lessons for Traders
A summary of Morgan Housel’s The Psychology of Money: survival, tail outcomes, room for error and the other lessons that matter most to traders.
How to Split Stocks and Bonds: Start From the Fall You Can Sit Through
Pick your stock and bond split from the biggest fall you can sit through. A simple table, the maths, and where the method breaks down.
Sharpe Ratio vs Sortino Ratio: What Each One Measures and When They Disagree
Sharpe counts every swing as risk. Sortino counts only the drops. See both worked on 12 months of hypothetical returns, and what it means when they disagree.