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

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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Sunday Times Series – "10 Year Savings Plan Pays Off"

Here is an article by the Sunday Times which I found to be interesting. The owner of Foord Asset Management, Mr Dave Foord, believes in investing for the long term so compound interest can work its magic. ‘Everybody can gain financial independence within 25 to 35 years,’ he said. ‘It’s possible to save and make money. The hardest part is the first 10 years to get enough capital.’ With that capital, it will take an increasingly shorter time to double your money thereafter, said Mr Foord. The problem for most people is discipline, added the Zimbabwe- born British citizen....

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~Portfolio Ending March 2012~

It has not been an active month for March. I have added a couple of small lots for MapleTree Industrial and Boustead through my SCB account and will probably add more to this in the coming months ahead. Looking forward to dividends flowing in April and May :) Counters No.of LotsAverage PriceTotal Value (SGD)Dividends collected to date (SGD) CapitalMall Asia 101.4314,300.00255.00 YangZiJiang61.498,940.00360.00ST Engineering82.8222,590.400.00SATS32.397,181.70510.00CapMall Trust11.7051,705.000.00Fraser Centerpoint Trust101.45014,500.000.00First Reit60.8004,800.000.00PLife Reit61.7810,680.000.00MapleTree Industrial Reit11.111,110.000.00Boustead20.8551,710.000.00Unit...

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Introducing Global Stock – TELEFONICA S.A (TEF)

I have been monitoring for these two global stocks with high dividend play yield, France Telecom (FTE) and Telefonica (TEF). Today’s post will bring us to Telefonica, the number one Spanish private telecommunicator company. Telefonica, S.A. provides fixed and mobile telephony services primarily in Spain, rest of Europe, and Latin America. Its fixed telecommunication services include PSTN lines; ISDN accesses; public telephone; local, domestic, and international long distance and fixed-to-mobile communications; corporate communications; video telephony; supplementary and business-oriented value-added services; network services; leasing and sale of handset equipment; and telephony information services. 7 reasons TEF is a solid value...

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Determining market direction with VIX

VIX is a traditional symbol for a volatility index. It is a measured of the level of impled volatility, not a historical volatility, based on the S&P 500 market. This particular indicator is seen as a “investor fear gauge”. In general, VIX starts to rise during times of financial distress (e.g we have seen VIX of 80 during the 2008 GFC and VIX of 45 during the recent Eurozone trouble) and lessens as investors become complacent. Historically, this pattern in the relationship between the VIX and the behavior of the stock market, has repeated itself in bull and bear...

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Sometimes it’s not too bad of a thing to keep your money in a bank

I am sure many of us have encountered a time when we see an opportunity and wanting to buy it yet have insufficient funds readily available. As people becomes more financially educated, the first thing that they learnt is that by putting their money in a savings account in the bank, they are effectively losing its value due to inflation. For the records, inflation in Singapore are currently at 4 to 5% while more realistically core inflation are at 2%. While I do agree that putting your money in the bank erodes its value over the course of time,...

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Are Singapore property still affordable at this price?

A good read news from Channel News Asia :P Singapore property prices is still low and affordable with good rental yields. A 2 room BTO HDB flat only cost $100K and after grants only cost $40K. Even someone earning $1K a month can afford to buy one. After he buys, the resale value can easily rise to $200K after MOP. He is in the money by 5 times the initial cost of $40K. This is Singapore, a compassionate country, a dream home for many immigrants from all over the world, esp from the region. If you look at the...

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"I was cheap before frugal" – Classic

I was reading a post recently debating about the differences of being cheap and frugal and it does strikes a resembility between the two. (Let’s skip “spendthrift” for a moment because it is a huge gap that we all can easily identify). Assuming you are buying over a pair of shoes which cost one at $100 and another at $40. Being “cheap” means that you will definitely choose the one with the lower cost. But what about being frugal? To me, the differences of being cheap and frugal are multiples, but are pretty simple at times. Just think about...

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"My Portfolio ending February 2012"

There has been a couple of transactions that I made in the month February as I tried to switch a couple of the shares I own and re-balance my portfolio. I sold 2/3 of my Yangzijiang and half of my CapmallAsia stocks and reinvest some of the money into Reits as I look to balance my portfolio with more cashflow. Linking my portfolio to soccer, the 4-5-1 formation is what I am seeking for in investing stocks in the long run and one that I will definitely keep in mind when making purchase. As with soccer, my team is...

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Which are harder – Selling a losing position or Exiting a winner

Investors need to realise that the way our human brain is wired makes selling a losing position as difficult as exiting a winner. So which do you think is more difficult….or are they both as equally difficult.. We as humans are naturally greedy and for everything we want more. “The more the merrier” as many people say. When a stock is rising (especially in a bull run), you feel good about the stock and this heavenly feeling and optimism is percolating. Even if your original target price on the stock is reached, it is natural to not sell and...

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