So just today, I've received an email from a reader i shall refer to as Reader A.

He asked and I quote:

Hi TI! Good blog! I enjoy reading it. However I have one question, I have also been investing in the ABF SG Bond and am looking forward to the dividends for October 2014. However, if I calculate based on the rate of $0.023/ share that would mean for the year of 2013 I would have received $23. Is that correct?


I replied in the affirmative and he was very agitated to realise he would have earned just $23 or so for the entire year. He asked why is this so, when other financial bloggers are posting dividends of a few hundreds to thousand per month.

I gave a lengthy reply and would also like to share this common misconception I feel many young investors have.

When they ......