3Ds Plan . No more no less !

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Do you find yourself  at times no plan ( bo chup? ) or over plan ( chup ka liao ?) Both would create results that are undesirable in reality . Here are the 3Ds to guide you alongDream it Having an idea of what you need/want is always important.For a warrior to start a journey to the destination , you need food , weapons  and know what kind of situation a warrior will face during the … [Read more...]

The Main Reason Why Things Are So Expensive in Singapore?

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Recently, I came across a post on The Real Singapore. This post is written by a local writer/blogger named Low Kay Hwa. Read on.In Singapore, I do stop my car at the road, leave the car and engine running, walk out and buy my food. If anyone wants to steal it, it takes just one step and one second: get in and drive off.In Singapore, when I’m tired in school, I do leave my handphone and wallet … [Read more...]

10 Dos and Don’ts for Portfolio Management

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Do set a reasonable goal. Very often, I have came across investors who set aggressive goals on the annual or monthly return on investments. A friend of mine set a goal of 3% per month. At this rate, his portfolio would double every two years. However, you must remember that the Bull market do no last forever. If you compare the goal with the result of some of the best investors in history, is … [Read more...]

Minimising the Costs from SRS and CPF Investments

Thanks to owq's and Uncle CreateWealth8888's comments to my previous blog posts on SRS Exit Strategy and Maximising the Benefits from SRS, I had omitted to mention, for reasons discussed below, the costs of investing through the Supplementary Retirement Scheme (SRS). If you invest in shares and unit trusts, the transaction fees charged by agent banks are $2.50 per 1,000 shares/ units, subject to a … [Read more...]

Why I’ve Been A Little Quiet Lately

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Check out this email that I got from a close friend today: Friends check to see how you’re doing. Best friends check to see if you’re still alive. Nope, I’m not dead, although yes, I have been a little quiet on this blog lately. Why? Two reasons: I just started a new job posting which has kept me pretty busy during the weekdays. I also got called back for reservist recently and it … [Read more...]

My style of analysing a S-REIT

A friendly exchange with a reader prompted me to review my own investment goal and my style of analysing a S-REIT.  The reason why I focus solely on REITs is because I have an interest in the product.  REITs are fairly easy to understand as an asset class, though analysing the track record of the REIT's management team may require you to put in some work. I am purely a yield investor, meaning … [Read more...]

Research on Hafary

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Background of Hafary Hafary Holdings Limited, an investment holding company, imports, deals, distributes, and wholesales building materials in Singapore, the People’s Republic of China, Vietnam, and rest of Southeast Asia. The company operates in two segments, General and Project. Dividend Information Dividend Distribution 2012: 0.013 2013: 0.052 2014: 0.023 (2 more quarters … [Read more...]

2 Must-Read for all New Investors

Today, I would like to recommend 2 books that I think are by far the best investment books I have read since I started investing. Warren Buffett Stock Portfolio. Warren Buffett and the Art of Stock Arbitrage Both books are by Mary Buffett and David Clark. They are easy to read and easy to understand for a new investor. Warren Buffett Stock Portfolio explains how Warren Buffett identify … [Read more...]

How to Invest in the Stock Market with just $100 every Month?

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As passive investors, many of us including myself invest regularly on a monthly basis. Additionally, some of us are investing for long term goals that includes retirement.However, how much can most of us afford to invest every month? The numbers may differ when it comes to different financial backgrounds. Some of us can afford to invest thousands of dollars every month.But what about us teenagers? … [Read more...]

Don’t Smoke. Don’t Drink. Don’t Drive. Don’t Casino. Don’t Gamble 4D. Don’t Call Chicken??? (2)

Read? Don't Smoke. Don't Drink. Don't Drive. Don't Casino. Don't Gamble 4D. Don't Call Chicken??? Next ... How to reduce your expenses farther? Living one or two level below what you can afford then you can save enough investing capital as your war chest. Some examples on how Uncle8888 has more money to invest for his war chest by doing these. He could afford 5-room HDB flat; but he … [Read more...]

How AK saved 32.7% + 9% in Cold Storage supermarket?

A Singaporean Stockmarket Investor (ASSI) - How AK saved 32.7 + 9  in Cold Storage supermarket

Regular readers know that I have a big weakness for ice cream. So, it should not be surprising that whenever I visit the supermarkets, I would go to the frozen food section and take a look at the tubs of yummy ice cream. However, I never pay full price for ice cream in the supermarkets. Even as I give in to my weakness, I insist on having value for money. If it is not value for money, AK does … [Read more...]

Raffles Medical Group

Est. in 1976, Raffles Medical Group (RMG) has grown from only two clinics to be one of the leading medical groups in Singapore with the largest private group practice. The Group operates within three business segments, mainly healthcare services, hospital services and investment holdings. Investment Thesis: Despite Raffles Medical Group’s fundamentals and strong economic moat, we believe … [Read more...]

Learning to be Wealthy

I just went to the library and as I sat down on a table browsing through the financial books which I have pulled out from the shelves I could not but help thinking that decades ago, I was at the same library, revising my school work. Time really flies and now I have become much older but contrary to what many people experience or think when it comes to learning, I believe learning should always be … [Read more...]

Mark Cuban’s Way of Investing

Mark Cuban is a billionaire entrepreneur and is one of the shark in my favorite TV reality show "Shark Tank". His take on investing goes contrary to Harry Markowitz and Warren Buffet who are proponents of diversification(Harry won a Nobel Prize for his theories on that), which makes for an interesting watch. Mark thinks "buy and hold" and "investing your cash at all times" are wrong. His … [Read more...]

What We Are Reading & Watching This Week

Mindset by Carol Dweck – Summary http://alexvermeer.com/why-your-mindset-important/ Howard Marks Memo: The Lessons of Oil http://www.oaktreecapital.com/MemoTree/The%20Lessons%20of%20Oil.pdf Howard Marks on Bloomberg TV (On Russia and Rule of Law Concerns) http://www.bloomberg.com/video/investment-strategy-oaktree-s-marks-on-russia-markets-7hsbr1puT32ePy0aaOSyNA.html Porsche: The … [Read more...]

Asset Allocation VS Investment Period

Most investment professionals would emphasize that a good asset allocation is key to great investment returns. Having a portfolio consisting of stocks, bonds, other investment assets and cash is like the safest strategy anyone of any age group can follow. Today, I wish to offer something different. I would like to say that the Time Horizon you have to invest is equally important as to what you … [Read more...]

Stock Analysis – Metro Holdings (1H FY15) – Show Me the Money?

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Reader Andy contacted me about Metro Holdings. He calculated that Metro is trading at a significant discount to NAV. Second point mentioned is that Metro has almost no debt with long dividend record. Sounds attractive, isn't it? But Andy is concerned about one thing - Metro's cash holdings have been depleting due to dividends paid out. Metro announced half year results on 11 November 2014. … [Read more...]

The Devil Is In The Details

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Another random post for today. Do you pay enough attention to details in your daily lives? With information overload these days, it is all too easy to overlook things. If something is too good to be true, it probably is. Read The Fine Print So. There is this “offer” floating around on Facebook, with a number of shares and likes. The skeptic in me immediately felt that this little offer couldn’t be … [Read more...]

Unmasking the five myths of property tax

On December 5, the Inland Revenue Authority of Singapore (IRAS) announced the reduction of property tax for HDB flats in 2015. Three days later, there was an article “Property Tax cut for one in four private home owners” in The Straits Times. A week after their announcement, a representative from IRAS further elaborated how annual values are calculated in The Straits Times Forum (“Annual values of … [Read more...]

Influence of Online Advertising In driving your business sales

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Online Advertising is a form of marketing and advertising which uses the Internet to deliver promotional marketing messages to consumers. It includes email marketing, search engine marketing (SEM), social media marketing, many types of display advertising (including web banner advertising), and mobile advertising. Growth of Online Nature Business As i had mentioned in one of my … [Read more...]