Author: A Singaporean Stockmarket Investor (ASSI)

ComfortDelgro HUAT and is SingTel next?

Reader says… Wa!!! Your CDG HUAT AH!!! Blog more about it lah and we can HUAT more!!! Many thanks!!! AK says… I am sure I do not have any influence over prices. Have you looked at SingTel’s share price, to be fair? As investors for income, our job is to decide if an equity is right for our purpose and if its price is attractive enough for us buy in. For examples, in 1Q 2018, I added to my investment in ComfortDelgro at under $2.00 a share and SingTel at under $3.40 a share. I had no idea how...

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Ascendas H-Trust and ComfortDelgro (SBS).

Reader says… Thanks for talking to yourself all these times. You have really helped the average Singaporeans pick up good financial tips. I have been invested in AHT and have collected good dividends. I noticed that prices have dropped so far and am thinking of picking up more. I read through their latest announcements and I don’t see anything that indicates that their fundamentals have changed. However, their numbers for 2 AU Pullman hotels are not that good. Also the exchange rate is not in their favour. They also look like they may be thinking of expanding beyond Asia...

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Investment philosophy is timeless and so is ASSI.

Reader says… Thanks for your reply. I am aware of (the investment courses available). I was actually more interested in the tea time talk and session with you. Are you planning for anything similar in the near future please? AK says… Oh, “Evening with AK”? Maybe towards the end of the year. :) Reader says… Wah… so long beyond towards end of this year?? Please do consider slightly earlier maybe in early 3Q 2018? ;) Actually, I have been following your blog since early 2016, maybe 2 to 3 years ago, and also the other financial bloggers too like...

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EC World REIT.

Reader says… What do you think of EC World REIT? AK says… EC World REIT, I looked at it and was in the process of blogging about it but, somehow, it joined the ranks of half finished blogs. I have about 400 of these. Terrible, I know. Looking at that half finished blog, I remember I was concerned about the relatively short land leases, similar to most Singapore industrial land leases and the relatively low distribution yield. The yield was 7% or so and this was because it was bolstered by the sponsor as well. Without the sponsor’s support,...

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Buy the CPF-RA and win win!

Reader said… Hihi, thank you for taking the time to answer my query. I was trying my luck and wasn’t really expecting a reply! Excuse me while I have a fan girl moment! 😍😍😍 The post which you recommended for my reading was the post that got me started thinking about my parents cpf! I tot it was a really brilliant idea! Would never have occurred to me 😂 We’re thinking to get the best of both worlds by converting my mom to CPF Life and ‘buying’ over my dad’s RA. We’ll pay him the $XXXX in his RA by...

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CPF to help fund our retirement but what about our parents’?

Reader says… I am a new reader to your blog and have benefitted greatly from the nuggets of wisdom that you have shared within these first 2 weeks of reading your blog. I have transferred money from my ordinary account to special account and managed to convince my Husband to do the same as well! Hopefully, we will be able to help the gov help us hit the minimum sum by the time we reach 55. We are in our mid 30s now : ) Because of your blog, it got us started thinking abt our parent’s cpf as...

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1Q 2018 passive income from non-REITs.

I feel that I should mention a non-REIT here which might not be considered an investment by most people. I should mention it because, logically, it should be considered a part of my portfolio. Of course, I am talking about the CPF. If we would include bonds in our portfolio, then, we should also include money in our CPF accounts in our portfolio which I have said before is like a AAA rated sovereign bond. I have also mentioned that, lacking mandatory contributions, I would voluntarily contribute to my CPF account and that was what I did in January....

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UBER and GRAB why you so like that?

Reader says… Hi Ak! I’m sure you’ll be getting this a lot now. What do you make of the news that uber is giving up sea? What does this mean for cdg should the purchase of lcr go through or not? Seems like there will be less promos from grab, but they will also have larger market share than cdg post merger. Can’t seem to decide if it’s positive or negative!! AK says… The move to purchase a stake in LCR was not even a consideration when I decided to invest in ComfortDelgro...

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Dumping all my investments in REITs.

Reader says… I recently started buying REITs and following online blogs online. I do my own diligence which I think is sound but cannot help but be worried when I see negative things about REITs being posted. Classic consumer economics behaviour from me cos scared Liao lol. Anyway, I know there is a difference between Traders and investors. There is one particular trader that says REITs and dividend stocks will suffer soon. Should I be concerned? Because my investment strategy is buy and hold. AK says… It depends on what you are looking for and if your investments can...

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Get paid for (or get dividends from) blogging?

Someone asked me if I get paid for blogging? More specifically, he asked if I get paid for promoting “Dividend Machines”. My answer? Yes, of course, I get paid. The blog on “Dividend Machines” was labelled “Advertorial”. Anytime you see a blog labelled “Advertorial”, it means the blogger will receive a fee. OK, not all bloggers would do this but honest bloggers would. I was prepared for some nasty remarks from him as I know there are people who are unhappy with bloggers being paid to blog. I really don’t want to go into a debate on the subject....

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Pay less income tax in future.

It is that time of the year again. Remember to file your income tax. Ouch. Taxes are a necessary evil because a country’s revenue is from taxes and a country like any modern day entity needs revenue to be viable. So, if we have to pay some taxes, we are contributing to nation building. Not a bad thing, really. However, if it is possible for us to pay less income tax, why not? I am talking about doing it legally, of course. As I don’t have any significant earned income anymore, I don’t pay any income tax. When was...

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Creating Dividend Machines in 2018!

I have not been blogging much as I have been spending a lot more time on another hobby. I know many people are envious of me. “Wah! Can spend so much time playing games online! So jelly!” Well, I believe anyone who is not severely disadvantaged could do it too. It doesn’t have to be playing games online per se, of course. All of us could free up time to do things we enjoy instead of exchanging our time for money working.   Of course, regular readers know one very important reason why I am able to do this is...

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We must pay a premium for "best" healthcare.

Reader says… I would like to ask you regarding H&S insurance. I have spoken to a few agents to understand more about the H&S products that they are offering. They would frequently mention “Do you want to stay in private for the best healthcare?” “With riders, you don’t have to worry about co-insurances or deductibles..” Sounds enticing but I got a shock when I looked at the premiums I have to paid in the long term run and also, I am wondering how am I be able to pay for the premiums once I stopped working in the future....

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When not to do voluntary contribution (VC) to CPF?

Reader says… It’s the first time I did a VC to my CPF as I have already hit my FRS. I was surprised to see that part of my VC actually went into my SA account. I thought all of it will go into my OA. I am still employed and I will be getting Mandatory Contribution to my OA and SA. But after going through my last year’s CPF statement, I realised that I am very close to the $37,740 annual limit. I know that any excess will be returned to me interest free next year. My questions...

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