Author: Investment Moats

High Yield Dividend Stocks are Not Cheap, Maybe More Pain Ahead, Maybe Not

(Click to see my Dividend Stock Tracker) Most readers would know that I maintain a list of very popular high yield dividend stocks in Singapore. You can see the dividend yield, and how the dividend yield fluctuates as price changes. You can see its EV/EBITDA and its net debt to asset, to assess how leveraged they are. For some time, I kept getting the high yield are not cheap argument. Perhaps it depends on the context of what other stocks they are comparing to. Or the time period they are compared to. Interest rate is rising, so what is...

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Eric Kong’s 5% Rule to Retirement Planning – Some Strengths and Challenges

My friend Chris from Growing your Tree of Prosperity alerted me that there is a pretty good article on a particular slant of retirement spending down strategy. Since he is working on his materials for his upcoming talk at Investors Exchange and subsequent talks on financial independence and related topic, this would be especially relevant. If you been reading the content on InvestmentMoats.com, you would know that this is a topic that I am interested in. The article is titled The 5% rule to retirement planning by Eric Kong and its a premium article so its only available to subscribers....

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15 Things I Learn from My Meditation with Morgan Housel’s Psychology of Money

Morgan Housel wrote a long article on money.  You can read it here. They say its long but I have read some long stuff. This one is really long. Its 16 pages, 8000 words. On Pocket, it lists that if we were to listen to this article it will take 35 mins. But I felt is one of those article that, if I just take one weekend to read through it in detail, I will gain a lot of things out of it. So this article is my meditation on it. I will list out what I learn from...

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Why I think Singapore Companies will Issue more Retail Bonds like Astrea IV Bonds

The biggest debate recently happens to be between those who think they know a lot in the area of finance and those who wishes to market the Astrea IV Private Equity Bonds, in the hopes that it will sell well. If you wish to read more about my thoughts about the Astrea IV PE Bond Class A-1, which was made available to retail investors, you can read my article here. In one corner, you have those that are pro opposition or finance trained people saying this is a bad idea, primarily because this will be made available to the...

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My Take on the 4.625% Astrea IV Class A-1 Secured Bonds Issue

For the first time, Temasek Holding is making available its least risky, private equity bond to retail investors like yourself. The guidance is a yield of 4.625% for 10 years, callable in 5 years. According to Ho Ching, Temasek CEO, this is to help supplement your retirement income. This is not the first time corporate Singapore decide to come out with a low denominated bond so that common folks like myself can easily invest, without breaking the bank. For those who are unaware, bonds or debt instruments from organizations, corporate are typically denominated in $250,000. This makes it unavailable...

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My Definitive Guide to How Much Active Stock Portfolio Diversification and Concentration You Need

Since I came out of university, I have been mainly accumulating wealth through active stock investing. The topic of how concentrated should your stock portfolio be, or how diversified is a question that have been asked a lot. By both those who wish to learn and those who are experienced. When we are experienced, we want to understand how others do it, versus how we ourselves do it. So here are my personal rules. I am at the tail end of the accumulation stage, which means there will be limited capital being injected I am to be diversified holding...

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Singapore Savings Bonds SSB July 2018 Issue Yields 2.63% for 10 Year and 1.72% for 1 Year

Here is a higher yielding, safe way to save your money that you have no idea when you will need to use it, or your emergency fund. The July 2018’s SSB bonds yield an interest rate of 2.63%/yr for the next 10 years. You can apply through ATM or Internet Banking via the three banks (UOB,OCBC, DBS) However, if you only hold the SSB bonds for 1 year, with 2 semi-annual payments, your interest rate is 1.72%/yr. $10,000 will grow to $12,661 in 10 years. This bond is backed by the Singapore Government and its available to Singaporeans. A...

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This Particular REIT Asset is Comparable if Not Better than Westfield

How do some of the Singapore REITs or Retail Space compare to the Retail Space in their home country? Here is a short interview comparing Mapletree Commercial Trust’s Vivo City with one of the most attractive asset in Australia Westfield’s Sydney Shopping Centre. The second part explains the low vacancy and high rental revision even at such expensive prices. Sign up for Investors Exchange 2018 Today...

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Investors Exchange 2018 – A Clash of Value Growth, Dividend Investing and Financial Independence

I have an upcoming event that I am organizing, Investors Exchange 2018. The last year we organize this, we garner favorable feedback but also areas where we can improved upon. So we hear your feedback so that we can deliver something better. This year, we wish to be a little focus on what we wish to provide. I do understand that many folks are trying to learn about active stock investing. You might already been investing for some time, like some of us, or just starting out and feeling the ground. We bring 4 speakers who have been managing...

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McKinsey’s Three Horizons of Growth Business Framework Explained

Today, I am going to bring you a guest post by Chris Susanto. Chris blogs at Re-ThinkWealth.com, where he shares his USA based value investing insights and options strategies. This article discusses about identifying businesses with certain forward outlook that can give you that exponential profit growth. It is definitely an area that I am weak in that I need to learn from these folks. Back in December 2009, Steve Coley, a director emeritus in McKinsey’s Chicago office wrote an article about the three horizons framework. You can read about it here. What I aim to do in this...

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Financial GPS Aids You to Navigate to Your Life Goals. NAV Hub Accompanies You to Get There

As readers of my blog, you tend to be more interested in the topics of personal finance, investing and wealth management. You tend to be more deliberate in how you manage the money aspect of your life. And thus, you are likely to be seen as the more dependable sort in the family when it comes to advising friends, family members on the monetary aspect of things. I understand that, to a certain extend. You see my day job is in the IT related field. And when you are in anything IT related, you are automatically the computer repair...

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Hyflux Voluntarily Suspended – ESR REIT Shareholders Should Take Note

This morning, it was reported that SGX Listed Hyflux, Singapore’s prominent water treatment firm, is considering to seek court protection to facilitate negotiations with creditors. Hyflux wasn’t in a good position. Hasn’t been for a long time. While it is one of the poster child for the government, investors have not taken a liking to the company. And it is not hard to tell why. When you look at the balance sheets, income statement, it does not give you good account that you should further explore this business. However, what is appealing is its perpetual securities and preference shares....

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Bank Fixed Deposit Rates are Finally Rising to 0.60%! So is the Deposit Insurance Limit!

This year, I been reviewing the Singapore Government Bond rates consistently. The above shows the 1 year and 10 year yield for the Jun 2018 Singapore Savings Bonds (SSB) that you could bid for since Singapore Savings Bonds started in 2015. The 10 year yield to maturity is rising, but despite the talk of rising interest rate, it is still below that in 2015 (which puts into perspective what has changed such that only now, we seem to be more worried about rates rising. What about in 2015?) However, the 1 year rates have been going up such that currently...

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How You can Start Building a Passive Index ETF Portfolio in Singapore

I have a reader, who first contacted me to ascertain whether the amount she requires to attain the status of Financial Security is correct. So she has a follow up question, after I helped her with that figure: I have decided on buying the exchange traded funds (ETF) but I am not sure what’s the process of buying it and which one I should go for. I am thinking of putting one lump sum first before investing a fixed monthly sum. Can you advise me how I should go about doing it? I read some articles online but seem...

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Learning to Invest in Individual Stocks & Proper Portfolio Management with Investment Quadrant 2.0

I been known to wear many hats, from writing about personal finance, index investing, wealth management, financial independence and commentating on all the affairs surrounding me with regards to money. The way that I been doing my wealth accumulation is through active individual stock investing. What that means is that, I spend my time prospecting the stocks in Singapore, Hong Kong to find stocks that I can invest for long term, to speculate on the short term in order to accumulate my wealth. As part of demonstrating the great benefit of my Stock Portfolio Tracker, you can have a...

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