@Cutieyolkyolk: Maybe 20% Returns? She Laughed. Then She Delivered 218%
Meet @CutieYolkYolk — a star contributor in the Tiger Community. — Meet CutieYolkYolk: the self-proclaimed "regular folk" investor who shattered every expectation, including her own. Just over a year ago, she was the queen of conservative investing, with her portfolio safely parked in dividends and savings accounts. Today, she’s the Tiger Trader who transformed a modest SGD $20k "tuition fee" into a staggering 218% return, turning her mentor—her own husband—into her biggest fan.
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Briefly introduce yourself and walk us through your investment journey, including your background, motivation to start, and strategies that led to your first significant financial milestone in the markets
Hello Tiger Community! I'm CutieYolkYolk, and I’m so excited to be chosen for this interview!
I’ll be honest—I haven’t struck that “first bucket of gold” yet if we’re talking millions. My portfolio still leans on the foundation of my MNC job. But what I’ve learned is that with the right mindset, strategies, and community support, even regular folks like me can achieve extraordinary results that once felt out of reach.
My journey into investing started in 2021 when new brokers launched US stock trading. Back then, I was opening accounts just for freebies—those accounts quickly went dormant, a classic beginner move. For years, I stuck to a conservative style: Singapore bank stocks for dividends, some company shares, and the rest parked safely in SSB, T-bills, and high-interest savings accounts. It felt safe, but also… limited.
The game-changer? My husband, who had been actively investing and kept showing me these amazing returns. I kept thinking, "Life's too busy for all this complexity," until he patiently walked me through options trading. Something about it just clicked—it felt intuitive and exciting rather than overwhelming.
Now I see that active investing returns make my old dividend strategy look like pocket change. Yes, it requires more effort and carries more risk, but the results speak for themselves.
What is the most successful or impressive investment experience you have had?
This is where I have to pinch myself because I still can't believe it's real! When my husband first introduced me to options trading, he set what I thought were ambitious expectations: "Maybe 20% returns year-over-year if you're consistent." Well, plot twist! My 2024 return was 71% in just 4 months, and my 2025 YTD is sitting at 85% over 9 months. Combined, that's a 218% return in one year. Even I'm shocked! The best part? My husband now jokes that he should be taking lessons from ME instead. Talk about a student becoming a teacher! It just shows that sometimes fresh eyes and beginner's enthusiasm can work magic in the markets.
How do you select stocks and control risks?
Risk management was my first priority because I knew I was learning. I started with SGD 20k - a relatively small portion of my overall investments that I could afford to lose while mastering the craft. Think of it as "tuition fees" for my trading education. My stock selection process is a mix of learning from my husband and diving deep into the Trade Feed community. There are some absolute rockstars in there who gave away their investment thesis and whose strategies I study religiously. I reverse-engineer their setups to understand the "why" behind their trades. I gravitate toward volatile stocks in crypto, quantum computing, and small caps because volatility = opportunity when you know how to harness it. Sure, it's not for the faint of heart, but that's where the magic happens!
I noticed you've been sharing a lot of trades recently. Could you introduce your current position, and what is your follow-up trading plan?
I've discovered that many winning trades are beautifully repeatable! I stick with those stocks if their moving averages hold strong, the premiums are juicy due to volatility, and they keep printing profits. Why fix what isn't broken? My strategy is all about finding those asymmetric opportunities - trades where the potential upside massively outweighs the downside risk. When I find a setup that works, I'll trade it repeatedly until the market dynamics shift.
What do you think the market will perform in 2025? And what's your investment goal this year?
I'm bullish through and through - partly because of my trading style and partly because optimism feels better! I tend to focus on bullish trades because that's where I've found my edge. Analysts are predicting another +20% year for 2025, and honestly, they might be conservative. I see SPY potentially hitting 660 or even 700 by year-end. My personal goal? Beat the market consistently while having fun doing it. Life's too short for boring investments! At least that’s what I am thinking now.
How do you balance short-term trading opportunities with long-term investment goals?
I treat my options trading account as my "growth engine" - it's just one part of a diversified portfolio. My SSB holdings, high-interest savings accounts, and Singapore bank stocks still have their place as my stability anchors.The key is understanding that timing the market is nearly impossible to get right consistently. The goal isn't to exit at the top - it's to stay in the game long enough for compounding to work its magic.
Can you share what a typical trading day looks like for you—how you make decisions, and the habits or routines that help you stay consistent?
Sunday is my power day! That’s when I review P&L, calculate margin for the new week, and line up high-premium trades. I stick to short-duration trades (1–3 weeks), mainly cash-secured puts since I started with limited capital. During market hours, I keep it tight—just 1–2 trades a day, no overtrading. Evenings are for 1–1.5 hours of analysis and planning.
As my account grew, I could scale into more contracts, but the discipline stayed the same. I’ve learned that self-awareness is key—everyone has weak spots, and mine was over-optimizing for commissions. Discipline isn’t about being perfect; it’s about making mistakes early, building systems around them, and making sure they don’t repeat.
Who or what has inspired your trading journey the most - mentors, books, or experiences?
My husband, hands down! He showed me with real data that trading doesn’t have to be scary—it can actually be fulfilling and fun, while also accelerating our path to financial independence through higher savings rates. His best advice to me was: “Only enter trades you can sleep peacefully with and hold through weekends.” That’s why I kept my trading account small at the start—it was money I could afford to lose while learning.
Having someone who believes in you and patiently guides you through the complexities makes all the difference. Find your mentor—whether it’s a spouse, a friend, or someone in the community—because that support can truly change your journey.
If you had to use one sentence as a slogan to get people to subscribe to your Trade Feed account, what would it be—and what tips or advice would you share with Tiger friends in the community?
Here's my biggest piece of advice: Destroy those limiting beliefs about investing! For years, I thought investing was either for gamblers or finance professionals (maybe they're the same people, who knows?). I convinced myself it was too complex, too risky, too time-consuming. What a mistake! Investing is business, and we're the business owners. Yes, more effort doesn't guarantee profits, but less effort is definitely a recipe for disaster. I wish I had started years earlier, but hey, the best time to plant a tree was 20 years ago - the second-best time is now!
Remember: Most of the market's annual gains come from just a handful of days, and no one knows which ones in advance. Stay in the game!
"I learned to be profitable from the consistently successful traders in Tiger's community - want to join our winning circle?"
Lastly, where do you see yourself in five years as an investor? Any future goals or projects you're working on?
I just noticed Tiger refreshed their account levels to Standard, Elite, and Prestige. My goal? Hit that Prestige level so I can attend their exclusive private events. It's like levelling up in a video game, but with real money! Beyond that, the mission is simple: compound patiently, act rationally, and build something sustainable for the long term.
The future belongs to those who start today. Join me on this incredible journey!
Thanks @CutieYolkYolk for the fantastic sharing! If you're eager to follow her latest live trading actions, make sure to subscribe to her real-time updates!
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@nomadic_m @icycrystal
I like how you said that risk management was your first priority and that to destroy those limiting beliefs about investing.
I have much to learn about options trading and will be looking to learn from your winning trades.
May you achieve your goal to hit the Prestige Level real soon.
Thank you @TigerClub for featuring @CutieYolkYolk.
Your success is an inspiration for those of us who are still finding our ways!
Looking forward to more inspiring trades from you.
Thanks!
PCT = Pandas Coffee Talk.
Amazing profits!
I'm also inspired by u.. the last was when u sell Call Mara, I buy put Mara. Diff trade strategy however still profit [Happy]
Followed u for a while already [Cool]
@LuckyJiajia @LWKJKK @Jiefund @DiAngel @鸟雨花香 Come read her story!
I’m curious about your approach to selecting volatile stocks. You mentioned gravitating toward crypto, quantum computing, and small caps because volatility equals opportunity. How do you decide when a stock’s volatility is worth the risk versus sitting out? Any warning signs you watch for before entering a position?
Lastly, I’d love to hear how you balance short-term trades with long-term investing. Do you have a rule of thumb for locking in profits versus letting positions run for compounding growth? Your insights would be super helpful!
@TigerClub @TigerStars @Tiger_comments
Most of all, very proud of you and thanks for sharing such inspiring investment journey!