Author: Investment Moats

Some Stock Portfolio Tracker Problems and How to get Your Singapore Prices Updated in your Spreadsheet

For the users of my Stock Portfolio Tracker, you might notice that there are some issues getting the end of day Singapore prices. You would notice a “#NA“, where it says failed to fetch data. I am puzzled why this happened. I investigated for 2 days and realize its a combination of: How my web host handles the caching of the price file “sp.csv” How ImportData function in Google Spreadsheet works Suffice to say, I was deeply frustrated. So much so it nearly caused me to down the whole Investment Moats and put me out of commission for 2...

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Aviva MyRetirement Choice Review for a Dear Friend

I have friend whom I never met before. I got to know her during my early days when I was trying to figure out all these finance stuff in a forum where we used to be in. We recently reconnected online after sporadic interaction on my blog. And she mentions that she is going ahead to purchase Aviva MyRetirement Choice. While she made her decision, I thought perhaps I can help work the numbers a bit. If you are evaluating Aviva MyRetirement Choice, this article might be useful for you. What Aviva MyRetirement Choice is about Based on the...

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ComfortDelgro Ties up with Uber – My Initial Thoughts

This is an addendum to my first comprehensive article on ComfortDelgro written here. ComfortDelgro announced that it is acquiring 51% stake in Lion City Rental (LCR), a private hire vehicle fleet owner of Uber for a total consideration of $295 mil. This acquisition will be funded by internal resources. How do I look at this deal and its effect on CDG? LCR Fleet Operation Looks a Bad Deal On Paper CDG will take part as the majority shareholder in this venture with Uber. This total fleet is valued at SG$642 mil. This is the net asset value. CDG will...

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How Should a Young Adult Settle Large One Time Expenses and Build Passive Investments?

I have been answering some of my reader’s questions lately and this time it is a question about life planning. More people are more aware that they cannot make too much mistake, and would like to know a good guided path going forward. One reader sent in this question: Hello Kyith, I came across your website (investmentmoats.com) through some investment search in Google and reading your website as well as your “About” gives me some really valuable information. Allow me to introduce myself. I am currently a final year student in NUS and I want to know more about...

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Life Insurance Plan that Pays out Cash Flow Consistently: The OCBC’s PremierLife Generation

I have a 57 year old retired reader who went to a bank to seek recommendations of safe investments. The relationship manager assigned to his case recommended 2 products: The Lion-Bank of Singapore Asia Income Fund and OCBC PremierLife Generation Plan. He hopes to shift some money into conservative investments. In this case, there is no needs based analysis done by the RM. It is merely a voluntary solicitation of a specific type of financial products. I was quite intrigued by the OCBC PremierLife Generation Plan and want to have a short write up about it. This is a...

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What Coasting Financial Independence or Barista FI is All About

In some of my earlier articles, I have introduced the concept of financial independence, financial security and retirement. You can read about them here: The 11 stages of wealth we go through as we work up the wealth ladder. You should be somewhere in there Here is how you calculate how much you need to accumulate for financial security, financial independence or retirement The math for financial independence for a couple earning $5,000 each The math behind being financially independent at 40 All my various notes on retirement, withdrawal of money techniques, pitfalls There are 2 financial independence terms...

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Singapore Savings Bonds SSB Jan 2018 Issue Yields 2.13%!

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 Jan 2018’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 $12,164 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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How I Manage My CPF – Past, Future and Philosophies

I never written much about my life with our government forced saving account, our CPF system. 2 weeks ago, one of the reader’s question about how his CPF would compound, reminded me about this. So why not I just write something so that you can have a coherent idea about my life with CPF. This article will explore: The role of My CPF to serve my Life Goals Why I do not carry out CPF transfers and voluntary top ups Reasons for not purchasing a property with CPF (and not with cash as well) My CPF asset allocations and...

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Sabana REIT’s Master Leases Gets Renewed at Lower Rent Again

I don’t wish to write too much on Sabana REIT (7.3% dividend yield on my Dividend Stock Tracker). I believe the saga have been covered adequately by the media. There is a high chance readers where would be aware about it. The last development is that E-Shang Redwood (ESR), who is the manager of ESR REIT (formerly known as Cambridge Industrial Trust | 6.9% dividend yield), took a 5% substantial stake in Sabana REIT. Sabana in the mean time went into a strategic review, to find out how best to proceed forward. As my friend B alluded here and...

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Could China have their own REIT market soon?

Kyith: In Asia Pacific, real estate hold a very special place in Asian hearts. In most countries, investors still prefer to hold their own properties but some countries have developed a more matured real estate investment trust (REIT) market. Japan, Australia and Singapore are currently the biggest and most active. But what are the chances of China and India developing their own REIT market? I think its a matter of time, but it requires some triggers for it to happen. Today, Peter Churchouse presents us why China may be going to develop their own REIT market. Peter Churchouse for...

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When you become Wealthier, You will still be Anxious about Money

You have to live with whether you have enough money or not. Whether you are poor or rich. If you are poor you have a set of anxiety. You will be worry about whether you have enough to put food on the table for the next month, and whether your kids will have money to continue with their education. However, that anxiousness goes away, when you suddenly come into possession of a large sum of money right? What I realize for myself is that this is not true. I started my journey with money at 18 years old when...

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Your Returns if You Dollar Cost Average into the STI ETF

10 years ago, my friend did a form of mindless investment. He thought investing in the STI ETF is a great idea. The STI ETF is an exchange traded fund, that is listed on the Singapore Stock Exchange. It owns a basket of stocks similar to that of the Straits Times Index. The Straits Times Index (STI for short) consist of the top 30 companies listed on the Singapore Stock Exchange. This index is jointly calculated by Singapore Press Holdings, FTSE and Singapore Stock Exchange. When you purchase the STI ETF, it tries to mirror this STI Index, by...

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The Total Returns of Dollar Cost Averaging into Cache Logistics Trust

Cache Logistics Industrial Trust is an interesting logistics REIT that was listed in Singapore around May 2010. Back then, majority of its properties was from CWT, a large logistics company in Singapore. The WALE was 6 years which is a long lease expiry by local REIT standards. However, 6 years later, as the lease are expiring, most of the leases, which was under master tenancy was turned into multi tenanted. This reduces the overall occupancy and the rental income. As of today, Cache Logistics Trust give a dividend yield of 7.1% on my Dividend Stock Tracker. So what we...

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What I think you should do with your Bonus

Ming Feng from Seedly asked me if I have any advice for what people should do with their bonus. So I thought I will share the answer I gave to you guys and gals as well. I often felt that I am in no position to tell you what you should do with your money. You spend the past year slogging to get this reward, so I think you should decide what you want to do with it. However, if you are looking for ways to allocate your bonus in a fundamentally sound manner, then perhaps I can share...

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I Picked M1 for the Budget Sim Only Singapore Mobile Plan

My Mobile Plan’s 24 month contract is up. And now M1 is charging me $37/mth for it. I got to do something about this. As a frugal office worker, who travels from site to site, which new plans and which set up should I pick? My Requirements If you do not know what you want, you will have a hard time figuring out what is suitable to you. I am a frugal budget user. I use only what I need. I need some outgoing calls and SMS as I need to make them for operation and support purpose. I...

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