Author: Create Wealth Through Long-Term Investing and Short-Term Trading

The Reason To Transfer CPF OA to SA???

Uncle8888 read this morning from FB and smiled .. “a) I transferred my CPF-OA to CPF-SA because I don’t want my future girlfriend to see a single cent in my CPF-OA and push me to buy a private condominium. Today, I get over $10k from the CPF board on my interest alone for my SA and MA accounts.” Wanlan! Read?Encountering At Least One Major Economic or Market Crisis Is Good For Our Future Prospectives!!! (Time for a re-fresh) Food for thought for some wives to unduly pressurize your hubby with such thought? On Housing Upgrade For years, he has...

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How Soon Should You Start Investing Your CPFIS And SRS? (2)

Read? How Soon Should You Start Investing Your CPFIS And SRS? Is SRS fit for its purpose i.e. to secure our retirement fund? Super low interest rate at 0.05% and some tax saving will quickly corner most retail into investing ASAP to beat inflation and grow their retirement fund at faster rate. Compounding wonder! Wonder any statistics on SRS investment performance like CPFIS statistic? Another real life investing story on SRS, trading and investing to show that it is not that easy as we often hear those success stories presented in previews, conferences, talks or seminars. Armed yourself with sufficient...

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As Retail Investor Do You Stress Test Your Investment Portfolio???

Read? “How Singapore Manages its Reserves” MAS employs a comprehensive range of stress tests to assess the risks to the portfolio on an ongoing basis and establish whether the portfolio remains resilient to potential tail risk events over the medium term. Three types of stress tests are conducted: Historical: Shocks are applied to the portfolio using asset price movements seen in historical stressed episodes, such as the Global Financial Crisis, 2000 dot-com bust, 1994 bond market selloff, etc. Vulnerability-based: The portfolio is subject to hypothetical scenarios which stress in turn each of the portfolio’s risk factors such as equity, interest...

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How Soon Should You Start Investing Your CPFIS?

Read? How Soon Should You Start Investing Your CPFIS And SRS? How soon? How do you know you already have competency to beat 2.5% compounding interests Wonder? See for yourself! Average CPFIS return from 2011 to 2018. That guy mentioned in the earlier blog post is 6 years into investing his CPFIS i.e. starting in 2013. Here is the truth and fact: How much opportunity cost did CPFIS market timer really lose out from 2011 to 2018 waiting for market crash in...

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FIRE Is That Easy AS We Have Thought

Real People who have tried FIRE or manage to really FIRE! Case 1 : Just after three weeks of retirement, he is back to work. Lucky his vacancy was not filled and he got back his old day job. Read? You think it is so easy to retire early??? Case 2 : He took one year no pay leave; but after three months he gave up and went back to work. Case 3 : He took one year no pay leave and finally realized he realized working routinely is still better than having to find activities to pass time. Case 4 :...

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Save more than 60%. No need to invest??? (5)

Read? Save more than 60%. No need to invest??? (4) Uncle8888 met him again when roaming the street of Orchard Rd. He is regular roamer except he is decently dressed with long pant and shoe unlike Uncle8888 in short and slippers. LOL! Once kena 1997/1998 AFC storm; he chopped fingers and never touch any investing or lending of any kind. All investment and lending is nature is risky. As he has plenty of free time as single; every month he hunts for better FD interests and renew his FDs. He not even interested in SSB as it is marketed as...

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never risk getting caught short of cash

Berkshire will forever remain a financial fortress. In managing, I will make expensive mistakes of commission and will also miss many opportunities, some of which should have been obvious to me. At times, our stock will tumble as investors flee from equities. But I will never risk getting caught short of cash.” Don’t poke me for parroting! Uncle8888 will NOT risk getting caught short of cash like in 2009...

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It Is NOT Buy And Hold That Made Money In The Stock Market

Never mistaken! It is NOT Buy and Hold! Buy and hold may be just taking Panadols to ease your heartache and hopefully over long periods of taking Panadols you are immune! Pain no more! Those who made money from Time in the Market is that they are “lucky” in market timing or having beginner’s luck! Buy, Right and Hold and then smiling every time when they received CDP statement! This is joyful investing where you are getting cheerful eggs instead of bitter Panadols!...

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Saving, Lending and Investing (6)

Read? Saving, Lending and Investing (6) SINGAPORE – The High Court has approved an application by embattled water treatment firm Hyflux and three of its subsidiaries for leave to convene a scheme meeting with all its creditors over its proposed restructuring. It can now proceed with a scheme meeting on April 5 with unsecured creditors including noteholders and 29 banks, which make up one creditor class, as well as perpetual securities and preference shareholders, who make up another creditor class. Under the reorganisation plan, filed with the High Court last week, some 34,000 registered holders of Hyflux perpetual securities and...

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Singapore should re-position Sentosa as the ‘new Bali’, says CDL chairman Kwek Leng Beng

Read? Singapore should re-position Sentosa as the ‘new Bali’, says CDL chairman Kwek Leng Beng Singapore’s second-largest developer has a suggestion for the government: re-position the billionaire enclave of Sentosa as a tourism mecca like Bali. Property values at Sentosa Cove, a residential area nestled on a tiny island off the south coast, have been hit particularly hard, with home prices down about 30 per cent from the highs seen in 2010. Even as the rest of the nation’s residential market staged a recovery in the first half of last year, Sentosa remained stubbornly in the doldrums. “Sentosa was touted...

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Yield of dreams: Investors have “a once in a lifetime opportunity” in blue chips (7)

Read? Yield of dreams: Investors have “a once in a lifetime opportunity” in blue chips (6) After 16 years of receiving more than 6% yield on cost; this little Pig finally cracks the yield of dream. KNS! Sembcorp Ind declared final dividend of 2 cts and taking full year dividend FY 18 to 4 cts. i.e. 4.7% which is currently the lowest since he bought in 2002 and holds this position. Highest, Lowest, Average and Total Yield The Good, Bad And Ugly This is all about market timing. Your Buy price had already decided whether you are going to make...

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Setting Stop Loss Is False Risk Control In Extreme Volatile Market

Option trading for passive income? Those “Guru” or Trainers who are earning trading courses are telling you that option trading for passive income. Have they told real person, real blow out and chopped fingers? The term `picking up pennies in front of a steamroller’ is linked to Nassim Taleb, an acclaimed author on randomness and risk, whose books describe an investment strategy that has a high probability to yield a small return (pennies), and a small probability of a very large loss (steamroller). Read? Picking Up Nickels In Front Of A Steam Roller Last night gathering of two veteran bloggers...

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How To Be Good And Great Investors???

Read? Short money rules If we strongly believe the truth of the combination : 3. Good investing is 50% psychology, 48% history, 2% finance. AND “Superior investors are people who have a better sense for what tickets are in the bowl, and thus for whether it’s worth participating in the lottery. In other words, while superior investors — like everyone else — don’t know exactly what the future holds, they do have an above-average understanding of future tendencies.” – Howard Marks, Mastering the Market Cycle Good investing is 48% history and above-average understanding of future tendencies. Is that simply mean we...

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Merdeka Generation Package: What you need to know

1. S$100 TOP-UP TO PASSION SILVER CARDS Seniors will get a one-time S$100 top-up to their PAssion Silver cards. This can be used to pay for activities and facilities at community clubs, entry to public swimming pools and public transport, among other things. 2. MEDISAVE TOP-UPS Starting this year, Merdeka Generation seniors will get a MediSave top-up of S$200 every year for five years until 2023, to help them save more for healthcare needs. 3. ADDITIONAL OUTPATIENT CARE SUBSIDIES, FOR LIFE Special Community Health Assist Scheme (CHAS) subsidies will be available for package recipients, geared towards common illnesses, chronic...

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Yield of dreams: Investors have “a once in a lifetime opportunity” in blue chips (6)

Read? Yield of dreams: Investors have “a once in a lifetime opportunity” in blue chips (5) DBS declared final dividend of 60 cts and taking full year dividend FY 18 to $1.20 Since he has first invested in DBS in 14 Apr 2003 during SARS; every year since 2003 he is happy with the dividend yield or so called “passive” income. That year in 2001 he has invested is still the lowest dividend yield over the past 15 years of holding this stock! 15 years is a long time that is long-term investing that provides free lunch!...

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