Merry Christmas!
In a high-rise HDB apartment in Singapore, Christmas lights decorate the windows, cheerful carols fill the air. My family gathers together for dinner, exchanging gifts. One of the gifts is a bracelet engraved with the word "Hope," particularly eye-catching. Quietly making a wish: "May this Christmas bring peace, joy, and unity to all, no matter our differences."

A lump sum payment may be proven to be better because you won't have emotions and can go along with the bull market trend. The biggest concern about dollar-cost averaging is not being able to make purchases when prices fall further.

I am still working to pay off the leave carried over from 2023. It may be necessary to carry over this year's balance to 2025.
Having worked for the current organization for 15 years, I find it harder to take a long vacation now.
Sigh.

I can also... invest for a better future!
I have always wanted to invest since I was young. However, I have never taken it seriously and have been put off by the high commissions, trading fees, and terrible trading applications provided by 'traditional' brokers.
Until 2021, my friend introduced and recommended Moomoo to me... Since then, my life has changed. Moomoo is the only app I have to visit multiple times a day! Through the community's sharing, I have learned a lot about investment.
Several years later (today), I can...