What an Amazing Plan (Resolving Internet Down Issue)

Prompted to jot down this testimony for His amazing plan. I am truly amazed at how everything just came together at the right place and time. It all began 3 weeks ago where I have absolutely no idea why certain things happened.

Testimony Sharing

It all started on 04-Feb when a Singtel Agent called me for my broadband renewal. Everything went smoothly and I signed up to renew and upgrade my existing plan for another 2 years. As part of the service to upgrade from 1Gbps to 3Gbps, I needed to change my 7 years old ONR, which no longer support any speed above 1Gbps. And as part of the equipment renewal, I also signed up to replace my 4 years old router mesh system. Installation date was originally set at 11-Mar, which I changed the next day to 18-Mar due to clash with my business travel. A few days later, I found out Singtel secretly (no call was made) changed the installation date to 23-Feb backend without informing me. I found it strange but did no further action as I will be WFH to attend to the Singtel engineer.

Fast forward to 22-Feb. Woke up on a Sun morning to find out that my whole house Internet is down. Reboot the whole systems 3 times and the router still is unable to connect to Internet. Called Singtel CS which ran some test and suspect it could be the physical router issue and recommended to arrange an engineer to come down to my house to check the router.

It then hit me that God, by some miracle, has already made arrangement to change my router on 23-Feb 2 weeks ago. How amazing His plan is that everything just fall into place at the right time! Thank God for your grace and miracle once again!

4Q 2025 Investment Strategy Update

2025 is really not the year for the faint hearted. We have a USA president that is weaponizing tariffs to change world order to prevent the rise of China and forcing company to shift manufacturing back to USA. Whether it is effective or not still remains to be seen, but cost is rising in USA as these tariffs are pass on to customers. We also have 3 regional military conflicts happening within a single year, from "Thailand - Cambodia conflict" to "Israel - Gaza Hamas war" to "Russia - Ukraine war" which is still on-going after 3 years, it is really beyond words that stock market can continue to rise and break their respective top records. In USA this year, we have the AI related industry leading the way, while back in Singapore, we have our 3 top banks to thank for as investor flock to these safe heaven equity.

DJI ended at 48063, an increase of 1666 points (+3.59%) compared to 3Q 2025. For Singapore, STI ended at 4646, an increase of 346 points (+8.04%) compared to last quarter. Banks in Singapore (50.5% STI weightage) continues to drive the STI direction and for once, STI has outperform DJI significantly.

With 2024 drawing to a close, it is time for the annual review against my 3 year plan (Next 3 years (2023 - 2025) Investment Plan) set back in Nov 2022. Below are my result:

Original 2023-2025 plan:

1. 50% Equity, 50% Reits/Trusts
2. Portfolio Dividend Yield to be 3.80% in 2023, 4.30% in 2024, 4.80% in 2025.

End 2025 result:

1. 49.56% Equity, 50.44% Reits/Trusts
2. 78.29% SG Equity, 21.71% USA Equity

Portfolio Yield at 3.73% in 2025 (+0.27% from 2024, and miss 2025 4.80% target)

Verdict: Miss Target

Note: In 2025, Prime US Reit only gave out dividend at a reduced rate (50%). Keppel Pacific Oak US Reit elected to suspend dividend until 2H2025.

Below is my end 2025 portfolio snapshot:

Total dividend received in 2025: $7,758.09 (~$646.50/month)

In this quarter, I did a few buy-ins for REITS that I felt is currently undervalued, so as to position myself for the recovery in the next 2 years.

Transaction 1: Bought 1 batch Prime US REIT shares in December.

The USA real estate has began to recover as tenants started expanding for more office space to accommodate more employees returning back to office. All these will be positive for USA REITs as their occupancy rate rises. Not to mention, Prime has started to increase the dividend rate from 10% to 50%

Transaction 2: Bought 1 batch DBS shares in December.

Our darling for the year as a series of strong results cause the share price to rise from $43+ in January to $56+ (+30%) in December. Who knows if this continues on, we may see a $100 DBS in the next 3 years.

Transaction 3: Bought 1 batch IREIT Global shares in December.

Berlin Campus is currently in the process to change from a single-let property to a multi-let, mixed-used property. Target to finish in 2027, it should directly result in a dividend increase. Time to buy in first for positioning while the price is low.

Transaction 4: Sold 1 batch Marriott shares in December.

I just think it is time to cash in while the price is high and use the proceed to buy in Visa as it is a more stable equity whose price will rise with time due to their share buy-back program.

Transaction 5: Bought 1 batch Visa shares in December.

For stability in slow price appreciation due to their share buyback program and improvement in business year after year.

That is all for now. See you all in Q1 2026 update and thank you for reading thus far.