Author: Dr Wealth

Singapore Parents Are Suckers For Formula Milk

Infant formula milk has come into the spotlight recently as the prices of premium formula milk products have risen 120% in the past 10 years in Singapore. The Government has set up a taskforce to look into this matter. I, too, have an interest in this subject as a new parent and I would like to share my thoughts in this article. Causes of the rising prices The Competition Commission of Singapore released a report and attributed the rising prices to increased research and development as well as marketing costs. I can understand that the marketing costs could be high because many brands...

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3 Lessons I Learnt From Noble’s Downfall

The past few weeks weren’t the best of weeks for shareholders of Noble. Noble’s share price went tumbling down from $1.34 to $0.44, which is barely 33 percent of its recent valuation! The sudden fall in share price was attributable to two significant events: management profit guidance which led to fears that Noble’s troubles have yet to subside a credit rating downgrade by S&P The fall of Noble, as the largest commodities trader in Asia, from the brutal attack by Iceberg Research acts as a reminder for investors like myself to learn from and avoid investing in rogue companies....

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5 S-REITs that Underperformed in 1Q17

While there were outperforming REITs for the quarter, there were a number of REITs that failed to put in a decent set of results for the quarter. In the final part of the 1Q17 report card series for REITs, we highlight five REITs that had a quarter they wish they could forget. 1. Frasers Commercial Trust Frasers Commercial Trust delivered an above average quarterly result with the Australian segment delivering as the Australian portfolio benefited from stronger AUD and higher occupancy. This drove DPU growth to two percent year-on-year. While the uncertainty of a potential loss of HP as a...

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3 S-REITs that outperformed in 1Q17

Following the REITs Report for 1Q17, we dive into individual REITs performance in today’s report. Here, we highlight three REITs that managed to outperform the rest of the REITs. 1. CapitaLand Retail China Trust Capita Retail China Trust had two positive catalysts working for them in 1Q17: Firstly, CapitaMall Minzhongleyuan has finally managed to turnaround its poor rental performance with a 35.1 percent gowth in rental reversions for 11 percent of its net lettable area leases. Shopper traffic and sales at the mall has been growing in strong double digit figures upwards of 60 percent year-on-year. Secondly, CapitaMall Xinnan...

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REITs Report Card For 1Q17

With the 1Q17 quarterly reporting for Singapore-listed REITs more or less done, we resume our REITs report card series. We analysed the quarterly results of REIT sub-sectors and some notable REITs that have either done well or underperformed. Industrial REITs Source: Trading Economics Singapore’s Purchasing Manager Index (PMI) has been recording an expansion for the eighth consecutive month. Apart from expanding consistently, economic indicators also point towards faster expansion in the manufacturing sector. This encouraging economic data is a positive sign for the industrial sector’s demand as industrial demand shows signs of picking up since the start of 2017. With the industrial...

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4 ways to lower your family’s expenses

Managing your own expenses is difficult. Imagine having to manage the expenses of 3 to 4 people at the same time. It’s little wonder that most people find it difficult to manage and maintain their expenses as a family. That being said, it’s not impossible to manage your family’s expenses efficiently. Truth is, with careful planning, adjustments in expectations and a clear plan of action, you can always find ways to even reduce your expenses. Here are 4 tips on how you can do it. 1. Stick to a Family Budget Start by defining your family budget. It is...

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Can you really afford that condominium in Singapore?

No doubt that living in a condominium feels a whole lot different compared to staying in a HDB flat. There is security, luxury fittings and an array of facilities available at your convenience (swimming pool, gym, etc). All perks of a high-end living. You must take time to carefully consider all the facts before committing to what is likely to be the biggest investment you’ll ever make. Take it slow and do your sums carefully. An over-eager homeowner may run into financial difficulties by rushing to buy a condominium apartment without thoroughly doing the proper background checks on the...

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DIY Home Renovation: Getting the best bang for your buck

Spending money on renovation is similar to investing whose chief aim is to get the most value out of our money. Most would agree that the renovation journey can be hard especially for a first timer, and harder if you have no clue of what is in store. This post is to share some personal experiences on how to optimize the renovation budget and identifying areas for cost savings in cold hard cash. Understanding renovation As a first step, it is useful to know what covers the standard scope of renovation works. A typical quotation from an interior designer...

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Top 5 Dividend Investing Mistakes to Avoid

The world of investing is one in which you can never fully eliminate the risks, as many new investors are quick to find out. However, by making better decisions and, more importantly, avoiding bad ones, you can minimise the level of risks that you take. Here are some suggestions for improving your odds of making successful investments. Mistake 1: Focusing Too Strictly On Yield New investors often have the misconception that investing in high-yield stocks is the safest move. This is not always the case, and in fact, sometimes the fact that a stock is high-yielding can be a warning...

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4 Myths About Dividend Investing in the Stock Market

Stock market analysts and investors frequently take sides when it comes to the topic of dividend stock investing. There are the cheerleaders on one side who think dividend stocks are basically the next best thing to having free money. Then there are the naysayers on the other hand who think that dividend stocks are the worst thing after a government takeover. There is a tendency for the truth to be somewhere in between these two views. In this article, we will be debunking the four most common misconceptions and myths regarding dividend stock investing to give you a more balanced...

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Did You Beat the Market with Your Own Portfolio of Stocks?

If you want to honestly evaluate whether picking stocks individually is worth your effort and time adequately, you need to measure the performance of your stock portfolio. Otherwise, you can still enjoy the ‘game’ for its own sake…if you really enjoy the process. I understand that some investors relish the process of searching for undervalued stocks and drilling deep into the financial statements of companies. Still, it is important to understand the cost implications of the ‘fun’ you are having. Research indicates that the perception that investors have of their own performance has no correlation to the actual results. What...

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Dr Wealth Portfolio Tracker App: A Getting Started Guide

The Dr Wealth Portfolio Tracker App makes Portfolio Performance Benchmarking and Dividend Tracking easy for the small, independent investor who wants to grow his/her wealth through investing. It is free to use and does not contain ads. This guide is created to help you get started fast so that you can immediately see how your investments have been doing – in a single glance. 1: Download the Dr Wealth Portfolio Tracker App The Dr Wealth Portfolio Tracker App is currently only available on Android. The iOS version will be out in 2-3 months. Android users can download it now...

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Dr Wealth App is LIVE!

Thank you for your patience! The Dr Wealth App is finally live (for Android users)! Download now:  The Dr Wealth app is created by investors, for investors, and it’ll be FREE to use. Imagine being able to upload a couple of years of transaction, letting the app process it and then graphically present our performance to us in a single glance! Download the app and immediately use these 2 exciting features: Dividend Tracking Track the growth of your dividend income and work towards your financial goals. View your yearly and monthly dividend income breakdown in your hands: You can...

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1 Practice that Separates Profitable and Average Investors

Imagine you are driving a car but it has no speedometer or accelerometer. And you were told to drive on a road at speeds between 60km/h and 80km/h. How do you drive with confidence that you are within the speed limits? It is going to be tough. The speedometer and accelerometer provide important feedback about your driving which you use the information to moderate your gas pedal. We need some form of feedback for the actions we have done. Feedback tells us if our intentions were achieved with our actions, or our actions are bringing us away from our intentions. In...

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Why Technical Analysis Won’t Work For You – You’re Doing It Wrong

So you think you can make money just by drawing some lines, recognising chart patterns and memorising candlestick patterns? Or you may think that Fundamental Analysis is too difficult. Reading and evaluating financial statements are too mind-boggling. Reading price charts would be much easier, so it should be easier to make money. You are in for a rude shock. I first got interested in technical analysis in 2011. I would devour books on candlesticks and memorise them. I was extremely hardworking. I thought by doing so, I would be able to trade profitably. I bet you knew what happened....

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