Welcome to TJJ's learning journal

Hi everyone, I am starting this blog to share about my learnings as a Singaporean young adult about to enter the work force. This blog will cover what I learned in two areas:

My Investing Blueprint

I'll be documenting my journey into the world of stock investing, with a laser focus on building a passive income machine

Lessons from a Tech Undergrad

I'll also share insights from my life as a NUS Computer Science student, such as the projects, the concepts, and the realities of preparing for a tech career in Singapore.

Ultimately this is my learning journal, but I hope that it can also become a conversation. All comments are welcomed.

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Popular posts from this blog

2025 Portfolio Review and Why I Don't Limit The Number Of Stocks Owned

2025 is in the books with only 2 and a half trading days left.  2025 is the year I initiated my dividend portfolio and embarked on this hopefully decades-long journey with dividend investing. My portfolio was steady and already printed cash like it was supposed to. In 2025 my  Net Assets  increased by 45%, of which around two thirds can be attributed to personal savings and one third can be attributed to investment returns (capital gains + dividends). Here is a breakdown of the number of dividends I can expect to receive by month next year: Jan: None Feb (3): Kimly, SGX, Suntec Mar (6): Keppel DC REIT, AIMS APAC REIT, PLife, CICT, MIT, MLT Apr (1): DBS May (7): DBS, OCBC, UOB, CLI, CDG, SGX, Suntec Jun (3): AIMS APAC REIT, MIT, MLT Jul (1): Kimly Aug (6): DBS, OCBC, UOB, CICT, CDG, Suntec Sep (5): Keppel DC REIT, AIMS APAC REIT, MIT, MLT, PLife Oct (1): SGX Nov (3): DBS, SGX, Suntec, Dec (3): AIMS APAC REIT, MIT, MLT I currently hold 15 individual counters, giving me...
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Decoding DBS's FY2025 Earnings Call

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 This article was written with reference to DBS Media Briefing Transcript and Analyst Call Transcript for FY2025, which can be found at https://www.dbs.com/investors/financials/quarterly-financials During the DBS Full Year 2025 earnings call, CEO Tan Su Shan described the year using two specific words: A "Perfect Storm." She is entirely correct about the macro environment that our Singapore banks had to operate in. Benchmark interest rates (SORA and HIBOR) crashed by almost 2 percentage points. The Singapore Dollar remained brutally strong, hurting the translation of foreign earnings. Finally, the new 15% global minimum tax kicked in, slapping the bank with an additional SGD 400 million in tax expenses. DBS headline net profit fell 3% to SGD 11 billion. But if  you look at the actual operating engine, pre-tax profit rose to a record high of $13.1 billion . Total income grew 3% to a record $22.9 billion .  Deep Deep Deposits When interest rates drop, the textbook resp...
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Decoding UOB’s FY2025 Earnings Call

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Writing this with reference to the Earnings Call Transcript posted here: https://finance.yahoo.com/quote/UOVEY/earnings/UOVEY-H2-2025-earnings_call-415512.html UOB just released its Full Year 2025 results, reporting a net profit of SGD 4.7 billion . Operating profit saw a slight 4% dip to SGD 7.7 billion . Here is my breakdown of the latest earnings call, and why UOB remains a core position in my portfolio Falling Rates But Rising Fee Income The market priced in severe NIM compression this year, but UOB's margins have proven stickier than anticipated. While full-year NIM settled at 1.89% , the downward trajectory has slowed. In fact, Q4 NIM ticked up to 1.84% (from 1.82% in Q3) , and management noted that as of end-January 2026, the exit NIM remains stable at 1.82% . This resilience is a direct result of active funding cost management . UOB successfully drove double-digit CASA (Current Account Savings Account) growth in its wholesale banking division . This influx of cheap deposit...
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