The stock market gave Mr Wang Han Hui several reasons to smile last year.
The 29-year-old remisier saw his stock portfolio surge, and was rewarded with a 45 per cent capital gain and 7 per cent dividend yield.
He also finished second in the professional category of the Singapore Exchange's online share investing contest, StockWhiz, winning $3,000 in prizes.
Mr Wang, who works for UOB Kay Hian, believes that education is the most crucial tool for investors who are just starting out.
Initially, he learnt the hard way, chalking up losses due to poor judgment.
Later, he decided to take up investing and trading courses.
Four years ago, Mr Wang studied part-time for a finance degree while working full time with the military.
But a finance degree was not enough. Two years ago, he left the army and became a remisier.
His wife Yih Shan, 29, is a nurse. They have no children.
Q: Are you a spender or a saver?
My family background had a major influence on me in my earlier days, when I saved most of my salary.
Now, with a better understanding of the financial market, I prefer to make my money work harder for me through stock investments.
I save about 20 per cent of my income monthly, and set it aside for any good investment opportunity which may come along.
Q: How much do you charge to your credit cards every month?
I charge about $1,000 to my cards monthly, preferring to use cards depending on their perks.
For example, I charge my SingTel bills to my UOB-SingTel card for the rebates and use my OCBC-Robinsons card for shopping at Robinsons and John Little.
I withdraw about $500 a month for my daily expenditure, mainly for meals.