$10 investments anyone can and MUST afford (Part 1)

I allocate 80% of my savings into stable passive income cash paying assets such as dividend stocks, but I allocate 20% to higher risk higher return stuff.

Many of these high-risk-high-return stuff can be affordable to speculate / invest in


I’ve been speculating into blockchain projects such as Bitcoin and Ethereum since 2017; and it can be very volatile. The nice thing about crypto is that you can buy in fractions.

For example, as of today, Ethereum is about USD $1,200 for an entire ETH, BUT you can own 0.01 of ETH at $12 as well, and slowly work your way up to buying more ETH over a period of time.

I use crypto.com app as my main crypto platform because it’s so convenient when it’s on my phone. It takes time to register and for them to do KYC (know your customer) process, so register there as soon as you can.


I mentioned earlier that 80% of my savings are invested into passive income assets such as dividend stocks, and you can also purchase fractional stocks from your stock broker.

As I’m kinda lazy, I still use my traditional stock broker Lim & Tan =)

Domain names

This…is a painful area for me, because sometimes I want a specific domain name and someone has bought it and is squatting on it, and even trying to make me spend thousands of dollars for it. Do you know how much a domain name cost to buy?

If it’s from a standard registrar, you can buy one for about $10 bucks man…but a very popular wanted domain name, it can fetch a pretty penny.

How much?

crypto.com‘s $12M domain name purchase is an anomaly of course, but you can see how entrepreneurs and businesses can be willing to spend a good shiny penny on a good domain name.

Of course…you need to be good at picking potential buyable domain names, which can be hard. I use this platform to purchase my domain names.

More profit less risk investing tip #1

The worst way to invest:

Hearsay “hot tip”

This is the most common mistake, where people “invest” based on the latest hot tip shared by their friends or in alpha/beta group chats. Or even YouTube. Unfortunately, it may not be the best and sound advice because by the time it gets to you, it’s no longer hot – this is problem #1.

Problem #2 is that if there is insufficient intel and conviction, it’d just be a distraction and fear.

Rushed / rush

This is the 2nd most common mistake by rookies, where they rush and FOMO into “hot tips” and projects…WRONG! Dont do this. This is what the scammers and cheaters want you to do, because they know

when you rush, you’d miss points and make mistakes

Sometimes it may be real, eg rushing for an ICO, but most of the time, dont rush. Take your time to research, read the white paper. Engage the team and community, and test out their product before you park even a dollar with them.

Safest way to invest:

Make it simple.

It must be something you understand simply.

Buy books, go for courses and seminars. Pay the money to learn from someone who’s doing / done what you want to achieve. For myself, I just paid to attend courses to

  • cryptocurrency
  • dividend stocks
  • China stocks

So that I know what I’m going into, what common pitfall to look out for.

One thing / investment a time.

One of the things that can happen is information overload.

Ie you can get overwhelmed. List down the items that you’re interested in, and then prioritize. Ask yourself,

what’s your plan / why are you there?

Yes, start with why.

It’d bring you much clarity and can help guide your decision making skills. For example, in the past, I used to be only looking for things that provide cashflow and passive income. Nowadays, I do still lookout for dividend stocks, online business, rental properties or assets that can provide me cashflow…

…but I also carve out a budget to invest in items that can have a lot more explosive and quicker growth. Not all my budget will go here, maybe 20% max, where it’s higher risks but much higher returns in a shorter time. The goal of this is for quicker “doubling of money” which will then be invested in “slow cashflow businesses”.

So, what’s your goal and game plan?

Don’t go all balls-deep in.

You dont have to use up all your savings or budget at a go. You can start with 10% first (or smaller), baby steps.

Get to know the process, the flow, how you think and how you feel about it. Maybe you’d be confident to do more; or maybe you want to diversify. Try on smaller scale first, then only go deeper.

The key to this, to me, is sustainability and consistency. I’d rather put in $1K/month for 10 years with dollar cost averaging (and waaaaaay less stress), than once off $100K.

Now’s the time to get rich investing in appreciating assets (I share two examples)

Why now?

We’re in an interesting season.

Just recovering from the dang COVID19; and the aggressive Russian dude decides to invade Ukraine; both of these is causing more world, economic, power and food issues.

People are more uncomfortable and fearful; interest rates are going up and some items are going on discount. But it’s funny.

When an item you like goes on same, be it steak or phone or flights, do you get scared to buy it?

Of course not.

  • iPhone on sale? (lol never) — buy more
  • favorite steak on sale — buy more
  • flights on discount? Let’s freaking gooooooooo
  • so many more examples


So when it comes to dividend-paying stocks or appreciating assets, why do we get jelly feet when their prices drop?

I get it, we get scared thinking or feeling that “maybe the price will drop further, so we’ll wait a bit”.

We then wait a bit, and the price

  • goes down, we get more scared, thinking the price may go down further, and we dont do jack shit
  • goes up, we think it’d go down again, so we dont do anything

Regardless of price action, net-net is we didn’t take the opportunity to buy some appreciating or dividend-paying assets on discount.

How to work around this psychological and emotional fear?

#1: Dollar cost average into good projects.

Find the good projects that you like (yes, you got to do some research) and then carve out a monthly budget so you can buy it monthly, be it price up or price down. At the end of the year, you’d get a median price. Research shows that this approach is the safest approach and most effective to bypass our natural innate (and irrational) fears.

#2: Use some metrics to support such as NAV and PTB

Sounds a bit geeky and technical, but what this means is that

  • NAV = net asset value
  • PTB = price to book ratio

These are quite interlinked; and to me more importantly, is PTB or price-to-book ratio. Most of the time, PTB means that if a company you wish to buy into, have $10000 in assets, so the shares should reflect $10000 value at least right (other than operational / sales activities). Sometimes the assets reflect $10000 buuuuuuuut the shares may reflect as $5000 instead of $10000, so that means the PTB is 50%.

To me, that’s a beautiful and delicious 50% discount (assuming this is a fair to good company of course).

That’s it, and DCA from hereon, month-in-month-out, into assets that push cash into your pocket or grow in value year-on-year.