Poll: Do you think the General Election will affect the Stock Market?

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The election fever is here and a few bloggers have already penned their thoughts on the how the elections will affect the market. I will be putting this post as a sticky and will update it with new articles as more bloggers share their thoughts on the elections. Photo By William Cho. (Election Fever in Singapore.) [CC BY-SA 2.0 (http://creativecommons.org/licenses/by-sa/2.0)], via Wikimedia … [Read more...]

A Controversial Take On Income From Blogging

This post has been a long time coming. In fact, ever since I read SMOL’s take on blogging for hobby versus blogging as a business almost a year ago, I had wanted to pen down my somewhat scathing views. (And yes, if you’re interested in this topic, do read the insightful comments on that post. )  However, I have refrained from publishing as I knew some feathers in this personal finance … [Read more...]

Random thoughts: The work ethnics of the older generation

My father had a tough life bringing the three of us up. I remembered the days as a hawker, we slept at 1 a.m. After clearing up the stall and he wakes up at 7 to prepare for the next working day. He and my mum tells me to study hard, so that I need not work so hard when I grow up.    I didn't  like the job of a hawker too. I find it dirty, having to clear the leftovers food every … [Read more...]

What is the inflation rate for Singapore?

I was doing some analysis of my investment portfolio to assess how close I was to being financially independent, and started doing some "what-if" of the various planning parameters assumed. One of the important factor was the future "inflation rate". I've always worked under the impression that 3% was a reasonable number to use, and I wondered how realistic that was? Tweaking the figures … [Read more...]

Is Keppel DC REIT an attractive investment for income?

I have been asked on various occasions what do I think of Keppel DC REIT and my usual reply was it was still something very new to me. I didn't know what to make of it but just looking at the prospective distribution yield was surely the wrong way to value the REIT although as income investors it would be the first thing that drew our attention. In the latest copy of The EDGE, we would find a … [Read more...]

Tom K of SSI to contest in the next Singapore General Elections?

Will Tom K contest in the next General Elections? With all talks on Singapore’s next General Elections and news of yet another high-flyer in Civil Service resigning from Civil Service, attention are on who will be the next to be fielded as potential candidates. Already, in the slate of potential candidates from the ruling Party are LG Ng Chee Meng; Permanent Secretary Chee Hong Tat; Temasek … [Read more...]

SembCorp Industries First Half Results – Way Above Expectations!

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  2nd Quarter earnings per share grew by 24%! This was mostly due to the sale of their UK utilities assets and less than expected declined in utilities earnings.   As 1st quarter results were terrible and 2nd quarter was great, 1st half results came in decently as net profits were up 1%. Dividends were maintained at 5 cents! which is a positive sign. Half year eps was 20 cents, and I expect … [Read more...]

Some Thoughts on the Stock Market Today

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After an eventful last week, this week has been quite volatile for the market, especially so for some shares. With some of the companies' releasing their second quarter results (for those who start the financial year on 1 Jan), some of the companies' share prices have obviously been quite affected in terms of the share price. I'm just going to cover briefly some of the shares that I've taken an … [Read more...]

Shopback The Most Efficient Way To Shop Online?

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Shopback front page E commerce cash back sites are quite common in the US, but quite unheard of in Singapore. Hence a local startup company brought the concept here in Singapore and ShopBack was born. This is not a paid ad, just something good I wanted to share. How it works is quite simple. You register your email and create a password, then log in, Once you are in, click on one of … [Read more...]

Chill At Index Investing Facebook Group

This was really more of a random thought that came across my mind – so I did it on impulse! With all the comments (up to 20s, 30s and even 50s per post) and emails that I’ve been receiving, I figured some of you might like to join a group or something to continue the chat and discussion on Index Investing. What I wanted to do is to have a cozy place for more casual and social interactions, as I … [Read more...]

Giraffe’s Budgets • July 15

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July Spending = $1,394.65, *Saving Rate = 19%! Other Income[excluded on above calculation]: GST Voucher $300, Cashback=$2.54 Saving A.C Int=$0.04 Big Ticket Items: Farewell treat=$58.30, Gift=$140, Insurance payment=$300, movie expenses=$47, movies=$47 & Citibank mrt card=$50(Card not functioning after I top-up, hence need to buy a card for $10, and I have yet to seek for a refund on … [Read more...]

ETF Funds > Hedge Funds

ETF Funds are taking over Hedge Funds as published by 'The Economist' magazine. The link to 'The Economist' article is HERE. Link: Benefits of ETFs Link: ETF Investing Strategies Link: How ETFs are Changing the World ETF Funds currently have more assets under management than Hedge Funds. Difference ETF Funds Hedge Funds Asset Under Management $2.971 Trillion $2.969 … [Read more...]

Retirement funding for our parents: An idea.

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My blog, ASSI, is very fortunate to have guest bloggers and some readers who are willing to share their very thoughtful ideas generously. Their thoughts have made the many discussions on diverse topics in ASSI more engaging. Here, we have another example of what I am talking about: Hi AK.  My parents are 66 yrs old this yr. Dad is still working. Likely to retire by 70. He prefer to work … [Read more...]

10 Best Practices that Improved my Trading + Investing Performance

Ever since I started investing + trading, I've adopted a few practices which I feel improved my performance. Here's a summary of what works for me:   1. Have a notebook to write your FA and TA notes. It can be digital if you prefer but for me I like to have it on paper and I wrote it down on my previous company's notebook as if to tell myself that this is a path of no return and I had indeed … [Read more...]

ValueEdge Update

Dear Readers, Our website was hacked which resulted in the recent downtime and the loss of our past articles. Our domain host has informed us that they are unable to provide us with a backup of the articles. We will try to recover as many of the past articles and share them here once more for you guys! Furthermore, we will take this chance to make some revamps to our site and have increased the … [Read more...]

The sky is falling for Singapore shares investors

Many Singapore investors would be happy to see the back of July as it capped an awful month for the stock market. A total of $37.4 billion was wiped out and the combined value declined sharply by 3.9 per cent. I also saw an article in a local finance blog where one reader wrote how depressed he was to see his hard earned money evaporated away because of the market correction. To put things into … [Read more...]

938LIVE – How Will Rising Interest Rates & Falling Rents Affect Your REIT Investments?

With the impending interest rate hike, falling rents, and new REIT regulations taking place in 2016, how will your REIT portfolio be affected? Join Rusmin Ang from The Fifth Person on 938LIVE as he talks about how you can safeguard your investments in this period of uncertainty. Rusmin Ang is an equity investor and co-founder of The Fifth Person. His investment articles have been published … [Read more...]

Is [Facebook] the new TV?

I've grown to become aware that I do spend a substantial amount of my time daily checking in on various social media platform. Facebook, Instagram, Twitter, you name it, I probably have it. When reality gets dull, one could always use a distraction no? When work piles up, what better antidote than to perform a quick swipe down to refresh the Facebook news feed, or check out the latest Instagram … [Read more...]

Men versus Women: Who’s Better with Money?

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As the clichéd saying goes: men are from Mars, women are from Venus. We take a closer look at the gender gap and explore whether there are any differences in the way men and women think about money. Words by Lum Yin Peng We often hear of gender-based stereotypes like “Women are just bad drivers” and “Men are the risk-takers”. But are there any differences between men and women when it … [Read more...]

How should you invest when the world is going to hell?

I wrote an article back in 2011, when the world was a much bleaker place. The article was written in April of that year, before the Standard & Poors downgraded the US for the first time in history. It wasn’t a smooth ride from 2011 till now, but equity markets for the most part did well. Outside the US and China (till recently), prices have either remained stagnant, or come down. People are … [Read more...]

[STI Statistics] July 2015

Hi all, this is my monthly post analyzing the STI. As of 31 July 2015 STI Closing Value: 3202.5 P/E Ratio: 12.80 P/B Ratio: 1.23 P/CF Ratio: 10.49 Dividend Yield: 2.87 Monthly Data Series from 2008 Mean P/E: 12.29 P/E Standard Deviation: 3.09 Mean P/B: 1.46 P/B Standard Deviation: 0.21 % of time when the STI is cheaper based on P/E: 56.49% % of time when the STI is cheaper … [Read more...]