Author: Investment Moats

HP Enterprise to Not Renew the Lease for Alexandra Technopark | Frasers Commercial Trust

I written about office real estate investment trust (REIT) Frasers Commercial Trust (FCOT) in the past and invested in it. It is a good REIT with a management with good current track record. The uncertainty surrounding it is that HP in the past commission Mapletree Industrial Trust to do a built to suit building before HP split into HP Enterprise and HP Singapore.  There is uncertainty whether the 2 entities will move away from Alexandra Technopark. Together, they form 17% of FCOT’s gross rental income. This will impact FCOT this year and next year’s result. In my article on...

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HP Enterprise to Not Renew the Lease for Alexandra Technopark | Frasers Commercial Trust

I written about office real estate investment trust (REIT) Frasers Commercial Trust (FCOT) in the past and invested in it. It is a good REIT with a management with good current track record. The uncertainty surrounding it is that HP in the past commission Mapletree Industrial Trust to do a built to suit building before HP split into HP Enterprise and HP Singapore.  There is uncertainty whether the 2 entities will move away from Alexandra Technopark. Together, they form 17% of FCOT’s gross rental income. This will impact FCOT this year and next year’s result. In my article on...

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The 11 Stages of Wealth: Which Stage of Wealth are You at?

Updated Sep 2017: A lot of friends and family like this stages of wealth to let them know whether they are improving their wealth progressively. However, the problem for them is that after they achieved Debt Freedom, there is a chasm between Debt Freedom and the next higher rung, Financial Security. In this update I provide 3 more stages that you can aim for in your progression to financial freedom. Some of the passing comments about money by my friends and relatives drive me nuts. Perhaps of the structured way I look at things, some of people’s point of...

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How Warren Buffett’s Berkshire & Oaktree Capital Look at REITs

When it comes to a discussion of real estate investment trusts (REITs), I do get comments on both sides of the spectrum. The beginners to wealth building can easily relate to the benefits and the pitfalls of using them as an investment (you can read about these in depth in my FREE REITs Training Center). At the same time, I do get feedback from more savvy active investors telling me REITs are financial engineered vehicles, they are low return, a dumping ground for parent companies. We should steer clear of them. Are these savvy investors correct? I think the...

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To make Singapore Truly Cashless, Lower the Cost for Merchants

There is a recent trend that I find it unsettling in Singapore. The government comes out with some initiative or direction and then the media just spends the next month talking about it. It is as if it is some kind of brainwashing session. This started with the drive to have more engineers. Then it was on STEM and entrepreneurship. Now its on the move to cashless. The prime minister of Singapore tweeted out that there are too many e-payment system. That is correct. And that it is costly for businesses. That is also correct but it may not...

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Singapore Savings Bonds SSB October 2017 Issue gives you 2.13% interest per year over 10 years

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 Sep 2017’s SSB bonds yield an interest rate of 2.13%/yr for the next 10 years. You can apply through ATM or Internet Banking via the three banks (UOB,OCBC, DBS) $10,000 will grow to $12,168 in 10 years. This bond is backed by the Singapore Government and its available to Singaporeans. You can find out more information about the SSB here. Note that every month, there will be a new issue you...

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Cromwell European REIT (CEREIT) Offers Investors an Attractive 7.5% Dividend Yield

Australia based Cromwell Property Group lodge their prospectus to go ahead and list their portfolio of European properties on the SGX as Cromwell European REIT (CEREIT). Cromwell Property is in the business of owning real estate for capital growth and rental income in Australia. They are also in the fund management space, managing portfolios acquired from time to time as unlisted wholesale property funds. From time to time they divest the properties in these funds so that their investors in these property funds can exit and realize their gains. Or they sell off the whole portfolio to one of...

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No Post for This Week

My friend La Papillion tells me: “They say we are never adults until our parents are gone.” “Men grieve differently. When the busyness of the day subsides and the quietness of the night takes over, he may feel the pain in his heart. ” Gotta say thanks to the folks that took time out that came without a moments notice especially my sec best of buddies, my army mate Weibin, Damien (Kompacplus), my ex-colleagues, colleagues, co-workers, users and vendors, and the friends and relatives of my siblings. Thanks also to Nick, SH, CK, CG, BH, BE. Thanks for the friends...

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Getting Started with REITs: Where to find the Information you Need to Start Investing

This article will build on to what I have written about this specific equity sector called REITs.  Why should you invest in REITs? What are the advantages? What are the deeper considerations when you are an intermediate REIT investor? You can read them for FREE in my REIT Training Center here. If you have read up on the virtues and the disadvantages of investing in some REITs, you are ready to get started. The first step is to know how to purchase and sell REITs on a stock exchange in the first place. This is covered in this Beginner’s...

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Dementia: Planning your Insurance and Retirement – LIVE on 10AM 26th Aug 17

As we get older, some of the issues that we easily dismissed in the past are featuring more and more in our lives. One area are issues that you will come to terms more, is that more and more people around you are suffering from dementia and alzheimer’s disease. Even if they are not suffering fully but partially, it affects the quality of life. It also affects you ability to effectively manage money. There are many retirees that do not realize that our cognitive abilities will go down over time due to how we use our brains. Personally the resources...

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SGX Bull Charge Run! 5 Pairs of Tickets to Win if you Do Not Like Investment Moats

The listed stock exchange of Singapore, SGX, have been organizing a charity run since 2004. It is a run that is part of SGX’s social responsibility efforts. This run is not open to public but to financial institutions and listed companies. The participants can pool donations and form teams to run for a good cause. Other than running costs, SGX will be donating the proceeds to the beneficiaries that they are helping. This year they will be raising funds for: AWWA Ltd Autism Association (Singapore) Fei Yue Community Services Shared Services for Charities Community Chest You can view more...

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What I Learned about this Complex Insurance Industry from Ramesh Krishnan’s Lawsuit and Interview

Something about this saga didn’t add up to me. This week, the Straits Times published a story of an insurance agent who won his appeal against a former employer who cost him 2 subsequent job applications. Mr Ramesh Krishnan was an insurance adviser with AXA. He tendered his resignation and approached Prudential and Tokio Marine to join them. Both applications didn’t work out and he decided in 2012 to file a defamation suit against AXA, on the grounds that their failure to meet the standard of care for Mr Krishnan cost him his job at Prudential and Tokio Marine....

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No Matter How Much You Earn, If you Spend Too Much, You Cannot Retire

There is a large number of Singaporeans that are high income. They are those who start businesses, the corporate high flyers in thriving industries, the ones who worked the Singapore school systems who eventually got into good secure government jobs. They earn upwards of $80,000/yr. And they are the ones their peers put on the pedestal of where they wish to get to. That is not myopic. Certainly, the cost of living in Singapore is not that low and with more income, it has the potential to increase the level of comfort for your family. However, to look at...

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Course: A Trading Workshop for Serious Investors

My friend Elvin Hayden Liang is looking for 5 investors for his workshop. When we were organizing Investors Exchange 2017 not too long ago, Elvin covered a topic that I find, is very unique, potentially useful for active investors, which is the art of scuttlebutt. If you are prospecting business, any edge you can gain to find out some realization that you cannot achieve from Google, financial statements, annual reports, analyst reports, it could mean losing 70% versus making 200%. This is especially important in the Singapore small caps space we prowl in. Elvin have been managing funds for...

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A Guide for Young Adults to Financially Plan for Getting Married, Renovation and Baby

The early phase of your young adult life involves getting started in working, earning income. It also involves some big milestones that young adults have to come to terms with in Singapore. You need to apply for a BTO HDB flat early because it will take some time (3-5 years) to build. Once you get the keys to your flat, you have six months to register to be married. Most couples usually bundle the traditional wedding together. For some couple, they plan to have the baby within the first 2 years. This is the script. Financially, the challenge is...

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