Author: A Path to Forever Financial Freedom (3Fs)

Should you practice Dollar Cost Averaging (DCA) Up?

Many people practice Dollar Cost Averaging (DCA) down, but do people practice averaging up? To begin, DCA up is a practice to purchase share at a higher price than you already bought in order to achieve a larger position in your portfolio. Averaging up is a more sensitive issue which many people did not advocate because people simply doesn’t like to pay for things which are higher than the price they bought earlier. Instead they want to wait till the time when the stock price goes below their buying price and in the face of doing so, they could be waiting for...

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Initiating a commodites position – Boom or doom?

It was 9.am in the morning as I checked into my Singapore account. The previous night DJI slumped to 250 basis points as Moody downgrades the grades for up to 15 banks. How will STI perform today? I believe everyone will agree that valuations for some of the blue chips that we have here is still expensive. Look at Keppel, Sembcorp, Telcos, Reits such as CMT, FCT, Cache, ….etc. As such, there’s no point to enter at such valuations at these moments. The huge volume is currently at commodities play such as Noble, Sakari, Olam and Wilmar. To date,...

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Dividend – Your Crossover Point

Are you a dividend investor? If so, what is the desired outcome that you wish to achieve at the end of the journey? The goal of every dividend investor is to accumulate a portfolio of dividend income producing stocks, mostly defensive in nature – which would in turn give out dividend income to investors. The goal of living off your dividend income to pay your expenses is an achievable objective, though it often takes a lot of capital, a lot of time, probably some skills and also luck in order to get to the crossover point. For dividend investor like you and myself, the crossover point is...

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Oil Price Down = Buying Opportunity for Transportation?

Commodity Oil has been pushed lower in May due to weak market sentiment of the economy, sending the price from 100+ level to around 90. With oil beginning to show some kind of weakness, we might see a buying opportunity in transportation related stocks such as SIA, Tiger and Comfort. SIA closed at 10.10 today, and is making a 52 week lows. The airline has been facing with challenging business environment, in particular cargo passenger count against the lower budget airlines. However, it seems to me that the stock might have seen its low and it doesnt drop much...

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The Richest Man in Babylon ~ Verdict

The richest man in Babylon I was reading an article by Dennis Ng on “The Richest Man in Babylon” and some of his thoughts and while I thought some of the strategies were pretty obvious to everyone, it is still a good refresher even for myself from time to time. 1st Strategy —Save at least 10% of your income In the book The Richest Man in Babylon, Arkad shared that when an individual’s income increases, his or her expenses would also typically increase. As a result, this individual would fail to accumulate any savings or wealth. In light of this, Arkad says that the first step to...

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Welcoming "Singtel" into my portfolio

Finally, I added a telco (Singtel S$3.05) into my portfolio. I have been waiting for Singtel to drop for quite some time now and for the past few weeks it has indeed drop lower and lower. After a while, I decided to add this as part of my long-term portfolio. I queued for this in the morning and only got it at around 4.40 pm so huge support at 3.05. My basis for buying this counter is because of its dividends which yields at approximately 5% and will go ex-dividend in August (S$0.09) and December, which is not a very long...

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Great Singapore Sale has started this weekend…Are we seeing a great sale in stock soon?

The Great Singapore Sale (GSS) has officially started this weekend. I went to the Chinatown this evening and goodness me there were so many crowds in the OG shopping area, buying things that were on sale – some 20 to 50% off the original price. So are we having a great global sale in stocks and shares too? Maybe soon? Everyone seem to be eyeing on the 17th June date where probably finally we are going to have a clearer idea on whether the Greek is going to accept the idea of an austerity or an exit from the Euro....

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Bookmakers call it off on Greece exit!!!

I’ve come across this interesting article on bookmakers across the Euro region on the betting for Greece exit. I already have an account with Betfair which I have used to bet on soccer rather than political regime betting. So do you have an account with them? :p Bookmakers in Britain have suspended all bets; if Greece, will be leaving the eurozone due to the current political upheaval in the country. William Hill and Ladbrokes have suspended all bets on whether Greece will be leaving the eurozone. Betting on William Hill had increased on Greece leaving the eurozone that it...

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Dividends Update – May/June 2012

The month of May/June is traditionally a half-time stopover for many people as many companies are paying out dividends in May to shareholders and shareholders in turn can use this opportunity to shake up or add to their portfolios using these money. CapitalMall Asia – $150 (received) – 9 May 2012 St Engineering – $1000 – 17 May 2012 Mapletree Industrial – $22 – 29 May 2012 CapitalMall Trust – $23 – 30 May 2012 First Reit – $120 – 30 May 2012 FraserCenter Point – $250 – 30 May 2012 YangZiJiang – $330 – 31 May 2012 Parkway Life...

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Buy or Sell in May – even with dividends coming in!!

The month of May for over the years has generally been a month of “thoughts” for most people. For myself at least, I have a lot of stocks that I own going ex-dividend at the month of May and (don’t misunderstood me) yes indeed very happy I am. However, as many would have already known, the month of May has traditionally been a month of “sell” and many of the index would fall quite sharply at times, causing individual stocks to fall as a result. Because of this incident, it made me think whether it is beneficial for shareholders...

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Parkway Life Reit – 1st Quarter 2012 Results

Parkway Life Real Estate Investment Trust (“PLife REIT”) posted their 1st Quarter results for 2012 (“1Q 2012”) this morning and unsurprisingly with another stable and good results. Some of the highlights of the results include: – Gross revenue of S$22.8 million, which represents a 6% increase y-o-y from 1st Quarter 2011. – Distribution Per Unit (DPU) of 2.56 for the quarter, which represents a 8.5% increase y-o-y from 1st Quarter 2011. With its latest closing price at 1.865, this represents an approximately 5.5% yield. For a stable reit business model with impressive growth rate year to year, this seems...

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FraserCenterPoint (FCT) 2Q12 Results – 23 April 2012

– Frasers Centrepoint Trust (“FCT”), is pleased to announce distribution per unit (“DPU”) of 2.50 cents for the period 1 January to 31 March 2012 (“2Q12”). The 2Q12 DPU is a new all-time high for FCT and is 20.8% higher than the 2.07 cents distributed in the same period a year ago.  of 5.49 times for 2Q12. FCT’s average cost of borrowings for 2Q12 improved to 3.04% from 3.06% in the previous quarter. – Gross revenue was up 27.4% year-on-year to $36.7 million and net property income jumped 30.4% to $26.2 million. Income available for distribution for the quarter...

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Quitting your job in a dignified manner

In a few weeks time, I will be leaving my current company and moving on to a new role in a new set of environment. It has been a decision made not hastily or easily as such decision will probably change the face of my career for life. Sometime when it seems that when grass is greener on the other side, it may be difficult to maintain the same cordial and warm relationship with your current employer, specially during last few days when you are finishing up unfinished tasks or preparing your replacement to fit in your position. The...

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Becoming Wealthy Is Really That Simple, But It’s Not Easy

A prevailing belief held by many people is that there is some great secret to becoming wealthy. If you could just discover that secret, or find the “trick” to it, you could become wealthy. Few people realize, though, that the simple “basics” are all you need to build wealth. That said, the reason so many people fail is that simple does not mean easy. Simple Actions that Lead to Wealth The “secret” to wealth isn’t much of a secret at all. Indeed, a variety of simple concepts and equally simple actions can be applied in order to help you...

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