Features of my Investment Portfolio

• My investment portfolio is mainly focused on Asia, which is very similar to Singapore's three major banks.

• My CDP portfolio covers approximately 100 listed companies on the Singapore Exchange (SGX), and so far, no single security exceeds 10% of my entire CDP portfolio, making it highly diversified with low risk.

• Cash + SSB (Singapore Savings Bond) will always maintain no less than 10% in my portfolio.

• You will find that once the passive income engine is built, you can feel it breathing at all times, it will expand, and it will also contract.

• When the portfolio size expanding, assets can be sold off to maintain minimum 10% (Cash + SSB). When the portfolio size is shrinking, SSB or Cash can be injected into the shrinking assets.

• My CDP average dividend yield for the year 2024 was 4.3%.

• As an ordinary Singaporean, it took me a total of 25 years of working to accumulate enough savings to achieve financial freedom.

• I officially retired on March 1, 2024 (age 57).

• In order to maintain basic needs after retirement, I have adopted an investment strategy primarily focused on dividend trust funds, supplemented by a growth trust fund.

• Besides CPF life which is only allowed to be used after the age of 65, the investment portfolio actually provides me with protection against inflation and basic living needs.

• Above pie chart created using Python matplotlib.

For more information, please visit at my rednote ID: 9486320864

One of the best cream to cure eczema in taobao online marketplace

I have been suffering from eczema for last 3 and half months. Why still many people prefer to Chinese medicine formulated cream, the answer is western medicine formulated cream has too many side effects.

I used Dermasone 0.05% cream from a polyclinic in Singapore initially, but after using it for a week, I found myself breast swelling, I decided to give out Dermasone 0.05% cream.

Polyclinic doctor referral me to visited National Skin Centre, I also tried Suu Balm which formulated by National Skin Centre, it can stop itching but not effective, it also can't reduce swelling.

After a prolonged searching and trying different types of cream, end up found that the best cream for me to cure my eczema effectively and also to achieve fast recovery is 三国神医抑菌乳膏 (Sanguo Shen medicine antibacterial cream) from taobao online marketplace.

Think it all over, if I would know 三国神医抑菌乳膏 (Sanguo Shen medicine antibacterial cream) at early polyclinic stage, I will not have had suffered so much.

This cream is to prevent my skin from any damaged or broken due to itching, apply any parts of my body surface immediately when I feel itching or discomfort on my skin waterproofing layer.

I will not apply this cream if my skin waterproofing layer had already damaged and broken for large areas.

I will apply only cucumber, aloe vera or red dragon fruit juice and moisturising cream after oil based soap bathing until my skin waterproofing layer recovered.

Different people react differently to different types of itch relieving cream, best for me doesn't mean will be best for you.

Search the key words "抑菌乳膏" at world.taobao.com to look for antibacterial cream.

江西灵水生物科技有限公司

Soya Banana Dragon Fruit Oats Porridge with Rye Flakes

Get up every morning, before breakfast, I first have a cup 

[1 teaspoon of steamed black beans soaked white vinegar or brown rice vinegar 

+ 

1 teaspoon of apple cider vinegar

+

1 tablespoon of wheat germ 

+

8 organic Ningxia wolfberry

+

1 teaspoon organic acai berry powder

+

1 teaspoon organic maqui berry powder

+

 1 teaspoon of raw honey 

+ 

500 ml of filtered tap water] 

to increase my appetite, and then spend about 45 minutes to prepare this breakfast dish.

Breakfast is the most important meal of the day, the types of food you eat will affect your mood and energy levels throughout the day, and the best time of day to eat fruit (especially ripe bananas and fresh blueberries) is in the morning. Because of this, I love living in Singapore, carefully prepare a dairy-free, egg-free, low-temperature breakfast for myself. I rarely go out for breakfast unless I'm abroad.

Whenever durian season in Singapore, I will occasionally use one D24 or XO durian fruit instead of dragon fruit, add cardamom powder and fennel powder to bring me a unique taste. Banana D24 Durian Soy Milk Oatmeal Porridge, use D24 durian, if you use musang king, it will be difficult to consume.

To prepare this breakfast, you need to have an infrared ceramic cooker.

Ingredients

 1 Serving

1. 1. 800 ml tap water
   2. 2 chinese soup spoons of rolled oats (20 grams)
   3. 1 chinese soup spoon of rolled rye flakes (10 grams)
   4. 30 grams (1 sachet) no sugar high-calcium soy milk powder
   5. 2 ripe banana
   6. 2 fresh honey dates
   7. Half red-fleshed or half white-fleshed dragon fruit
   8. 1  teaspoon of cold pressed flaxseed oil
   9. 20 fresh blueberries
   10. Appropriate amount of cardamom powder
   11. Appropriate amount of fennel powder

1. 
   

1) Put 800 ml of tap water in a pot and put the pot on an infrared electric stove, boil it to 100°C with an electric power of 2000W, to eliminate the chlorine from Singapore's tap water.

2)  Reduce the power of the infrared electric stove to 200W, add 2 Chinese spoons of rolled oats and 1 Chinese spoon of rolled rye flakes, then increase the power to 1000W, cook after 5 minutes, keep stirring with bamboo chopsticks, as you can see high quality soluble fibers emerging and become soluble paste.

3) When the bamboo chopsticks are stirring, you can feel that the thick pulp starts to stick to the stainless steel. You can turn off the power if you detect that the bottom of the pot is a bit rough through the bamboo chopsticks.

4) To prevent the soya milk powder become lumpy, affect the nutritional value of the soya milk powder, the pot quickly cools to about 50°C with round shallow bucket of tap water. Add one sachet 30 grams of no sugar high-calcium soya milk powder, use bamboo chopsticks to stir and mix well.

5) Add one ripe banana remove skin, two fresh honey dates remove seeds, red-fleshed dragon fruit cut half, then scoop out with a table spoon. Use bamboo chopsticks to mashed, stirred and mixed together. Add 1 teaspoon of flaxseed oil to brighten the food and mix well. 

6) Add appropriate amount of cardamom powder and fennel powder to increase the flavor when needed. Transfers to a porcelain plate. Add about 20 blueberries to garnish. Finally my sticky and delicious, healthy and nutritious breakfast is ready.

The benefits of oats stem from the soluble fiber which has been shown in studies to lower cholesterol levels thus reducing the risk of cardiovascular disease. Oats contain a unique antioxidant called avenanthramides. Avenanthramides help prevent free radicals from damaging the good (LDL) cholesterol.

In addition to the long term benefits of oat consumption, oats are a great source of complex carbohydrates which provide long lasting energy for active individuals. Oats also contain a high amount of the antioxidant selenium, viscous soluble high-quality fiber, can relieve constipation problems and reduce the risk of colorectal cancer. Whereas the intakes of rye flakes reduce your risk of diabetes.

My Cookpad Version
https://cookpad.com/uk/recipes/6051068-soya-banana-dragon-fruit-oats-porridge-with-rye-flakes