$$$ KPO and CZM $$$: Our Goals

Our Goals

We will update as and when we think of more or have met the goal:

Short Term (Next 1 - 2 Years: Before 2018)
- $200,000 Portfolio (Done - Feb 2017)
- $1000 per month of passive income
- Wedding (Big Day on 07/10/2018)
- Fly Suites Class to US Using Krisflyer Miles (Done - Nov 2017)

Medium Term (3 - 5 Years: Before 2021)
- Move into our new house!
- $500,000 Portfolio
- $2000 per month of passive income
- S$1 Million Net Worth

Long Term (> 5 Years)
- $1,000,000 Portfolio
- $5000 per month of passive income
- Hit CPF Minimum Sum
- Pay off mortgage
- 2nd property?

Last Updated: 2018-01-02


  1. Wow... Just curious how old are u guys?

    I see u guys just got married so mid twenties to late twenties and already 200k in portfolio?

    And within 3-5 years 500k portfolio? Is it because you guys are earning decently as it seems that barring any capital gains, u guys are pumping in 100k per year on average .

    1. Hi Sean, we are 27 and not married yet. lol. The journey started back in 2014 when I was still in university ($40k) through savings, NS allowance, part-time. I am called Kiam Pok for a reason ;) Along the way, made some money through both capital gain and dividends and reinvested all of them.

      After university, I was fortunate to find a job that pays higher than the median salary of a fresh graduate and CZM had already worked 2 years because I had to serve the nation. Unfortunately, I inherited a sum of money last year when my grandfather passed away which I invested all of it into the market too.

      I feel right now (for us) is the time to be more aggressive because we do not have much financial commitments/responsibilities such as mortgage, baby, etc. We would not have any cash flow difficulty. Hence, majority of our wealth is in the market. If you stand behind and peep at the screen for my account balance while I withdraw money from the ATM, you will see that KPO is very poor :'(

      Everyone have different situation and start their journey differently. I think what is important is realizing the importance of managing your finances, letting your money work for you and having long term goal in mind (the fact that you are reading various financial blogs show that you already know this, so jia you and good luck in your journey!). The bonus is finding someone to share the same goal with you (like CZM)!

      Oh my, this response looks like it is long enough to be a post!

  2. Just read about us. Any insights on how to achieve a 200k portfolio in 2 years? Mind sharing how it all started?

  3. Congrats on having so much in your portfolio.

    My portfolio pales by comparison.

    See mine at https://my-radical-thoughts.blogspot.com/

    1. Hi Alucard,

      Thanks for dropping by! You are so humble! Majority of our money is in the market and we are extremely low on cash. Hahahaha.

  4. Amazing blog with amazing posts, we are actually the same age with many similarities.

    If you have time, might be good to design this website, it looks a bit opiang :) Just my two cents complaint.

    1. Hi KY,

      Thanks! Good to know/find people with similarities.

      Hahahaha. I agree that it is opiang but I am lazy/prefer to spend my time on other stuffs >.< Maybe after wedding? lol.