--- title: Financial Freedom by 40 | An introspective journal about my personal investing journey | Portfolio description: "Portfolio | An introspective journal about my personal investing journey as I work towards financial freedom before I reach 40 years of age." image: https://finfree.joceyng.com/hubfs/FinFree/finfree-full-transparent-40.png --- [![finfree-large-transparent-1](https://finfree.joceyng.com/hs-fs/hubfs/FinFree/finfree-large-transparent-1.png?width=198&name=finfree-large-transparent-1.png)](https://finfree.joceyng.com) [Let's Talk](https://finfree.joceyng.com/contact)[subscribe](https://finfree.joceyng.com/tag/portfolio#) ![finfree-full-transparent-40](https://finfree.joceyng.com/hs-fs/hubfs/FinFree/finfree-full-transparent-40.png?width=700&height=157&name=finfree-full-transparent-40.png) - [Recent Posts](https://finfree.joceyng.com) - [Book Reviews](https://finfree.joceyng.com/tag/book-reviews#topic) - [Finances](https://finfree.joceyng.com/tag/finances#topic) - [Milestones](https://finfree.joceyng.com/tag/milestones#topic) - [Portfolio](https://finfree.joceyng.com/tag/portfolio#topic) - [Referral codes](https://finfree.joceyng.com/tag/referral-codes#topic) - [Retirement Planning](https://finfree.joceyng.com/tag/retirement-planning#topic) ![2021 in Review](https://finfree.joceyng.com/hubfs/Portfolio-Report%202021.png) ![](https://finfree.joceyng.com/hubfs/4ABE1497-5CA2-43AC-A684-A2C19EED32FC.png) By [Joce](https://finfree.joceyng.com/author/joce) | Dec 29, 2021 ## [2021 in Review](https://finfree.joceyng.com/2021-in-review) Hello again and happy holidays! * read* Tags: [Milestones](https://finfree.joceyng.com/tag/milestones), [Portfolio](https://finfree.joceyng.com/tag/portfolio) ![Looking back on 2020](https://finfree.joceyng.com/hubfs/2.%20FinFree/Portfolio-Report%202020.png) ![](https://finfree.joceyng.com/hubfs/4ABE1497-5CA2-43AC-A684-A2C19EED32FC.png) By [Joce](https://finfree.joceyng.com/author/joce) | Dec 28, 2020 ## [Looking back on 2020](https://finfree.joceyng.com/looking-back-on-2020) 2020 will probably go down in memory as the year of upheavals and change. I count myself among the lucky ones to have been able t... * read* Tags: [Milestones](https://finfree.joceyng.com/tag/milestones), [Portfolio](https://finfree.joceyng.com/tag/portfolio) ![Fishing for dividends](https://finfree.joceyng.com/hubfs/fishing%20gif.gif) ![](https://finfree.joceyng.com/hubfs/4ABE1497-5CA2-43AC-A684-A2C19EED32FC.png) By [Joce](https://finfree.joceyng.com/author/joce) | Apr 1, 2020 ## [Fishing for dividends](https://finfree.joceyng.com/fishing-for-dividends) I feel like I need to start this post with a proper disclaimer. What you read in this post are merely ideas I've been throwing aro... * read* Tags: [Portfolio](https://finfree.joceyng.com/tag/portfolio) ![Personal takeaways from the COVID-19 outbreak](https://finfree.joceyng.com/hubfs/FinFree/HSI%20chart.png) ![](https://finfree.joceyng.com/hubfs/4ABE1497-5CA2-43AC-A684-A2C19EED32FC.png) By [Joce](https://finfree.joceyng.com/author/joce) | Feb 14, 2020 ## [Personal takeaways from the COVID-19 outbreak](https://finfree.joceyng.com/personal-takeaways-covid-19) It's been more than a month since COVID-19 made waves across the world. * read* Tags: [Portfolio](https://finfree.joceyng.com/tag/portfolio) ![My Retirement Plan - Part 3: Investment Portfolio](https://finfree.joceyng.com/hubfs/FinFree/Dividend%20income%20SRS%20withdrawals%20CPF%20Life%20CPF%20Savings%20(OA)%20Drawdown%20on%20investment%20capital.png) ![](https://finfree.joceyng.com/hubfs/4ABE1497-5CA2-43AC-A684-A2C19EED32FC.png) By [Joce](https://finfree.joceyng.com/author/joce) | Jan 14, 2020 ## [My Retirement Plan - Part 3: Investment Portfolio](https://finfree.joceyng.com/my-retirement-plan-part-3-portfolio) Welcome to part 3 of my three-part series where I share about my retirement plan!  * read* Tags: [Portfolio](https://finfree.joceyng.com/tag/portfolio), [Finances](https://finfree.joceyng.com/tag/finances), [Retirement Planning](https://finfree.joceyng.com/tag/retirement-planning) ![My Retirement Plan - Part 2: SRS](https://finfree.joceyng.com/hubfs/FinFree/SRS%20vs%20tax-1.png) ![](https://finfree.joceyng.com/hubfs/4ABE1497-5CA2-43AC-A684-A2C19EED32FC.png) By [Joce](https://finfree.joceyng.com/author/joce) | Jan 10, 2020 ## [My Retirement Plan - Part 2: SRS](https://finfree.joceyng.com/my-retirement-plan-part-2-srs) Welcome to part 2 of my three-part series where I share about my retirement plan!  * read* Tags: [Portfolio](https://finfree.joceyng.com/tag/portfolio), [Finances](https://finfree.joceyng.com/tag/finances), [Retirement Planning](https://finfree.joceyng.com/tag/retirement-planning) ![My Retirement Plan - Part 1: CPF + a retirement funds calculator!](https://finfree.joceyng.com/hubfs/FinFree/piggy%20bank%20claw%20machine.png) ![](https://finfree.joceyng.com/hubfs/4ABE1497-5CA2-43AC-A684-A2C19EED32FC.png) By [Joce](https://finfree.joceyng.com/author/joce) | Jan 7, 2020 ## [My Retirement Plan - Part 1: CPF + a retirement funds calculator!](https://finfree.joceyng.com/my-retirement-plan-part-1-cpf) This is the first post in a three-part series where I'll be sharing about my approach to retirement planning! Read on to get the d... * read* Tags: [Portfolio](https://finfree.joceyng.com/tag/portfolio), [Finances](https://finfree.joceyng.com/tag/finances), [Retirement Planning](https://finfree.joceyng.com/tag/retirement-planning), ![Patience is a virtue](https://www.mapletreenorthasiacommercialtrust.com/~/media/Our%20Portfolio/Hong%20Kong/Festival-Walk/IMG_2241.jpg) ![](https://finfree.joceyng.com/hubfs/4ABE1497-5CA2-43AC-A684-A2C19EED32FC.png) By [Joce](https://finfree.joceyng.com/author/joce) | Dec 12, 2019 ## [Patience is a virtue](https://finfree.joceyng.com/patience-is-a-virtue) I took up a position in Mapletree North Asia Commercial Trust near the end of last month at $1.16 per share, thinking that the Pro... * read* Tags: [Portfolio](https://finfree.joceyng.com/tag/portfolio) ![Money Flow](https://finfree.joceyng.com/hubfs/FinFree/Money%20Flow.png) ![](https://finfree.joceyng.com/hubfs/4ABE1497-5CA2-43AC-A684-A2C19EED32FC.png) By [Joce](https://finfree.joceyng.com/author/joce) | Nov 27, 2019 ## [Money Flow](https://finfree.joceyng.com/money-flow-savings) I recently discovered [Sankey budget diagrams on Reddit](https://www.reddit.com/search/?q=sankey%20budget) and the geeky side of me finds this very cool! 😎 Here's how my cash flow l... * read* Tags: [Portfolio](https://finfree.joceyng.com/tag/portfolio), [Finances](https://finfree.joceyng.com/tag/finances) **RESOURCES** [Download the CPF retirement funds calculator](https://finfree.joceyng.com/my-retirement-plan-part-1-cpf#cta) [Download the Accrued Interest calculator](https://finfree.joceyng.com/accrued-interest-calculator) [Download the Retirement Income calculator](https://finfree.joceyng.com/retirement-planning-for-my-parents)  ### SUBSCRIBE HERE FOR UPDATES! ### Blogs I follow [A Path to Forever Financial Freedom](https://www.3foreverfinancialfreedom.com/) [Data Science Investor](https://www.datascienceinvestor.com/) [Financial Horse](http://www.financialhorse.com) [My Sweet Retirement](https://mysweetretirement.com/)  [The Moss Piglet](https://themosspiglets.com/) [SG Investment Bloggers](http://www.sginvestbloggers.com/)  [The Finance.sg](http://thefinance.sg)  [Financially Independent Pharmacist](https://fipharmacistsg.wordpress.com/)  - [****](mailto:joceisfinfreegmail.com) - © 2019 All Rights Reserved