How smart men invest (what you can do today)

Smart men always, always invest.

Always earning and looking to earn more.

You’d have a regular income be it from employment and/or entrepreneurship. It’s an ongoing thing, which you can split into

  1. spending (essentials and luxuries)
  2. investing

You’d be looking to keep increasing your monthly take home and bonuses by increasing your skills, experience and responsibilities over a period of time.

Always trying to increase the amounts saved and for investing every month.

You’d try to squeeze out as much into savings and investments which you can then use for mid and long term investing

Prioritize safe investing approach

80%+ into conservative and “safe-ish” investments such as

  • broad based index funds
  • rental properties
  • public listed dividend stocks

Conservative and safer investments usually brings about conservative and safe-ish returns, between 5-10%. Which is pretty decent, and I gear it this way because the bulk of my hard earned money shouldnt be gambled – it’s meant to work like a machine, day-in-day-out to increase its returns and value to me.

20% into higher risk, higher return

  • growth / tech stocks such as Apple, Google, Alibaba, Netflix, Facebook (Meta), SEA etc
  • cryptocurrency such as Bitcoin, Ethereum, Cronos, and so many other blockchain projects
  • some % into low caps

Growth / tech stocks and cryptocurrency / blockchain projects are pretty similar: they do very well in bull markets with lots of money, but conversely, they can get punished and pummelled badly in bear and down markets. Same goes for low cap which is the highest risk of them all, but with the highest potential returns too.

The goal is a balance trinity flowchart of getting richer by

  1. constant earning more
  2. constant saving more
  3. constantly investing and reinvesting more into conservative and higher return investments

Rinse and repeat until you reach your desired amounts, and even then, dont stop – keep going.

My best (and lucky) crypto decisions 2022

Other than the few bad crypto regrets and worst decisions I had, I also have had a few lucky crypto streaks

Early to Cardano (ADA) & Stellar Lumen (XLM)

I chanced upon both Cardano and Stellar Lumen, and entered some mild amounts into them. In about a week, my small investment increased like mad, it went 65X!

I sold them both off and took out some good profits (which I lost some to damn trash qash), but I would never forget how that surge of price value made me feel so damn good.

Forgot about crypto for 2 years

We had gone through some hard times for about 18 months, and of which, I had totally forgotten about my crypto holdings for close to two whole years as we did our best to lick our wounds and to survive.

After that, I remembered crypto again and went back to my portfolios, and because I had forgotten them, it was such a nice thing “finding/rediscovering” portfolios here-and-there which had increased in value since.

Note to self: best way to invest is to buy and then forget it, come back a couple of years later

Introduced to crypto by my best friend

My best friend introduced me to this world of crypto first entering into NAV coin. I also bought the raspberry pi to become a validator and struggled with coding it (eventually worked); but eventually we sold off our NAV coins.

I went deeper into the crypto rabbit hole since, thanks man. I appreciate it.

Bonus: Taking crypto profits

At the end of 2021, as BTC bitcoin hit a high of $69,000, I felt that it was time to cash out some of my profits.

It was a sort of hard decision, the FOMO was real. I felt that if I took out some amounts from investment, I’d lose out on more profits. But…this time, it was a nice sort of peace that came over me.

I did it anyway – took out 60% of my principle amount, with a good amount still invested (?speculated) for the next bull run. It’s a nice feeling now that a good chunk is out, there is a clear decrease in stress and fear about losing the entire portfolio.

And I used that amount as downpayment to buy a home our family needs to live in anyway, so that’s good too.

My worst crypto decisions that I regret =(

Crypto…has been a bittersweet journey for me, ever since I started speculating in it in 2017. Other than wishing I had bought BTC back in 2009…here’s a few regrets that stand out.

Qash failure

This is one of my biggest painpoints, and I poured a large amount of my limited funding into this token issued by Quoinex. It has a large team, went very big into regulation and wanted to created a “world book” that will connect traditional finance (TradFi) to crypto world.

Ah, being smoked sucks.

Qash the trash, died a slow death, and finally got acquired by FTX.

Missed BNB entire

I bought a few different exchange tokens during that time, including Qash, another in Singapore. I decided to skip binance platform (and its token) because it’s much harder to use than Bittrex. It was about $2-5 per coin, and I decided it was also too expensive.

Oh, was a stupid, expensive lesson, especially when you see BNB going up to the high of $600. Ugh, the pain.

Rugpulls aplenty

There were lots of rugpulls and scams then, much more than now, and it was truly a wild wild west. This is so common, it’s like happening left right center. ICOs ran aplenty with literally zero regulations, so there was a lot of money lost then.

Even then, it wasn’t as painful as the two examples I gave above. Those were very personal and hurt me bad.

I hope you never get hurted like me in crypto.

Merchant Token (MTO) Initial Coin Offering

Merchant Token (MTO) ICO | DEFI | POS ?? Will be Listed on Uniswap for $1.20 in 12 July!! ?️? First big partnership will be announced soon

Disclaimer: This has my affiliate link (I bought it and am vested). Also, do read and research, read the whitepaper and do not invest more than what you can afford.

Ticker: MTO
Current MTO PRICE: $0.80 (goes up $0.01 at every phase; current at phase 60 of 100)
Max Supply: 100,000,000
End of ICO: 30 June 2021
Market listing date: 12th July 2021 on Uniswap
Launchpad Website:

I chanced upon Merchant Token ICO (first found it at 60c+, then I entered when it’s 80c at phase 60; currently is 85c at phase 66). The ICO will run till phase 100 until the price is $1.20.

The main concept of the project it’s to provide consumer protection to use crypto in POS terminals. The team behind it is, and solution provider based in Sweden.

Merchant ICO started at 1st April 2021 and its scheduled till the end on June, but it may end earlier as they are consistently maxed out at each phase (today is day 17 of ICO).

They will also announce in their Twitter the first big partnership in next days.

I hope this is helpful for those who are interested in cryptocurrency and ICOs.

Do upvote if you like this.

Buy Merchant Token here:

About Merchant Token

  1. Merchant Protocol & MTO Introduces consumer protection concepts from the traditional card payment industry to any blockchain with support for smart contracts.

  2. The missing piece and true enabler for mainstream global mass-adoption of crypto payments from the consumers’ perspective.

  3. It introduces the new Automatic Dispute Management (ADM) concept based on merchant reputation Introduces the new Community Dispute Management (CDM) concept allowing token holders to increase token holdings by performing work MTO is a central currency. Dispute and contract fees are paid in MTO.

  4. Other than potential capital gain, additionally Merchant token holders can also stake their MTO holdings for passive dividend returns from dispute and contract fees.

How You Can Participate Purchase in Merchant Token ICO

  1. There are a few options – you can pay using your crypto in Coinbase wallet (if you already have crypto there). This is the lowest fee option.

  2. For me I prefer to not touch my existing crypto holdings so I decided to purchase with my bank credit card (they accept VISA and MasterCard) – fees are little higher here at 3.5% but I prefer to fund with fiat/cash.

  3. You can even bank transfer too if you prefer =)

Invest in Merchant Token here:

Disclaimer: This has my affiliate link (I bought it and am vested). Also, do read and research, read the whitepaper and do not invest more than what you can afford.

Cryptocurrency Boom Town 2021?

Today at this point in time, 1 Bitcoin (BTC) is USD$ 56,132.90, and it has been going up to upper tiers of USD$ 61K and having pullbacks to USD$ 50K+ over the last few weeks and months.

21 March 2021 Bitcoin Price
21 March 2021 Bitcoin Price

It seems to be testing the all time high (ATH).

There are lots of anticipation following buy-ins by larger companies such as Tesla and institutional investors (just google search institutional investors buying bitcoin), which leaves lesser and lesser number of actual available bitcoins to go around. This has two fold of results that drives bitcoin price up (and staying up):

  • signalling that big boys institutional investors are condoning / approving cryptocurrencies
  • stabilizing higher highers and higher lows because there is just less number of bitcoins being traded actively

These two factors make bitcoin even more desireable and stable.

I’m excited to see how far bitcoin and cryptocurrency will go. If you’re interested, it’s very easy now to invest / speculate into cryptocurrency – my #1 app is via App – everything is available via your mobile =)

Remember, cryptocurrency can fluctuate greatly, so put in only what you can afford to lose, dont day trade and dont sell your home for it.