Walk past Mr Tan Kang Hua in the street and you probably would not give him a second glance, but do not be deceived by his looks.
The 27-year-old engineer and avid investor admits that he often dresses shabbily. And even if he reaps a decent bounty from investing, he is not one to show off.
"I'm not into flashing my wealth. That's not my mentality and neither is it a priority for me."
He is modest, especially when it comes to discussing his successes. He says that while he calculates the risks before committing to any investment, he has been lucky enough to enjoy more hits than misses.
"My parents are quite conservative when it comes to investments and they have often advised me against some of the riskier trades and deals.
"I respect them and understand where they are coming from but I also know that you can't make any gains if you're not prepared to lose a little."
Mr Tan and his 27-year-old wife Quah Wei Wee have a six-month-old daughter Ying Xi.
They live with Mr Tan's mother, 54, and father, 61, his elder brother and his family, and his younger sister. That is nine people living in a four-bedroom maisonette in Pasir Ris.
Q: Are you a spender or a saver?
I'm a saver. I save about 70 per cent of my monthly income, which comprises my salary and payouts from my investments.