Author: Investment Moats

#4 Key Ingredient to Wealth: Curating your Environment and Influences

The people that you stick with, or are stuck with, have a massive influence over whether your build wealth extraordinary well, or cause great wealth destruction. In my opinion, there are 4 key ingredients to building wealth. These has less to do with money itself. They are: Your motivation, determination and the amount of grit you have Your ability to acquire knowledge and wisdom in your pursuit of the goal Creating effective Systems, Processes and Habits that lets you execute the actions that builds wealth Curating your Environment and Influences Today, we are going to talk to the #4...

Read More

Singapore Savings Bonds SSB June 2017 Issue gives you 2.16% 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 Apr 2017’s SSB bonds yield an interest rate of 2.16%/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 $12,373 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...

Read More

How to Investing with Less Stress – BIGS Live

I believe that building wealth is a worthwhile goal to pursue. Your wealth built up, at various stages augments a purposeful life that you live. Many millennials want a wealth machine to augment their existing working income. They save money for the financial security. They do not have a clear direction where they are headed in their lives, but in the mean time, having money built is more prudent then not having any. The Cash Flow generating potential of the wealth that you built up If you have built up $100,000, potentially it could distribute $250/mth, $416/mth or $583/mth...

Read More

Is Adulting a New Concept? No it is Not… But it is Absolutely Bloody Necessary

Millennials draw a lot of flak for the idiotic things that they come up with. And for some these are grossly misunderstood. They create a lot of trends that the Gen X will face palm and wonder why things are so different for how they used to do things. Well things are different but it is not because the millennials are very special. We just grow up in a period where social marketing happens to be ubiquitous and more often because touch points are higher, more ideas flow better. One of the urban code that seems popular nowadays is...

Read More

Your Personal Net Worth Statement – The Complete Guide

There are 2 documents that, in my opinion, tells me whether a person or family is operating in a sound manner. One document is the personal cash flow statement. The other document is their personal net worth statement. In this comprehensive guide, I have explain why the cash flow statement is important, and how you could go about creating your personal cash flow statement. Your personal net worth statement is just as important and in this article, we will look into how you can create your personal net worth statement. What is your Personal Net Worth Statement Your personal net...

Read More

How Volatility relates to the Financial Markets and Life

One discovery recently is this podcast that spun out of Real Vision, a paid online TV program that brings across some of the brightest minds in finance. Titled Adventures in Finance, they tried to explain and deconstruct one popular or less discussed phenomenon, financial concepts to listener. This week’s episode is titled Volatility in a Peaceful World and you can listen to it here. There are some very profound things shared in the episode. The link between liquidity and volatility. Stephen Diggle is a Singapore based hedge fund manager who made billions on the volatility trade in 2007 and...

Read More

How much can A Young Singaporean Adult Earned in the Next 10 Years?

One of the biggest uncertainty for a young adult is that you are unsure where your career will take you. Or whether you will stay in that career at all. Many people took a particular route and realize that they hate their job. This is why sometimes I feel doing 2 years of work in your industry before taking a degree might calibrate your university decision better. As we start working, many look upon their first paycheck as their first reward after studying for so much. There are expectations how much they should earn. But many failed to take...

Read More

Rickmers Maritime Winds Down. My thoughts on Position Sizing, the True Value of Ships and Prospect Theory

As human beings we tend to be risk seeking(gungho in taking on risks) when we should be risk adverse (afraid of taking risk) and vice versa, often at the wrong time. In the case of Rickmers Maritime, I am not sure which is the case. Rickmers Maritime is a business trust that I wrote about in the past that operates a collection of container ships. They were charter out during the good times at rates of US$25,000/day and now that the charter is coming to an end, the prevailing charter rates is closer to US$5,000/day. This resulted in a...

Read More

HDB Lease does Expire – How you can Win with your HDB Flats

A portion of Singaporeans got a jolt these few weeks when National Development Minister Lawrence Wong said that not all the old HDB flats are eligible for Selective En bloc Redevelopment Scheme (Sers). Under SERS, the HDB acquires ageing blocks for redevelopment, compensates residents at market rates for their old flats and lets them buy new units nearby at subsidized rates. What shocked many Singaporeans is that they never grasp this concept of leasehold versus freehold. Leasehold assets are essentially assets lease to you for x years and when that time comes the value of your assets is $0.  Freehold...

Read More

How Much should You Save Each Month in Your 20s?

This is one question that I get a lot from people I interact with for the first time. This is especially good if it comes from a person just about to start work, or have started work for one or two years. However, when they ask this question, sometimes that is not the question that they are trying to find out. The question they want to find out: I want to spend but I want to do the sensible thing, just tell me how much percentage of my take home pay I should save, so that I look like I...

Read More

Singapore Savings Bonds SSB May 2017 Issue gives you 2.32% 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 Apr 2017’s SSB bonds yield an interest rate of 2.32%/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 $12,373 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...

Read More

You don’t need an Innovative Term Insurance on your Credit Card Debt. You need to clear your Credit Card Debt

We should be wary about some of the products sold by banks. This week, I got a call from UOB Customer Service. Being a customer of their bank, this was not surprising. I was expecting them to extend some personal loan or investment plan. This time it is a bit different. The lady explain this new feature for my UOB One credit card. How it works is that if I did not pay off my credit card bill on time on the due date, CreditSure will protect me in case something happens to me, this insurance will provide an...

Read More

How Interest Rate Changes Affect REITs

Real estate investment trusts (REIT) is a class of stock investment that many believe are very much affected by global interest rate changes. For the past 35 years, the world have been in an environment where interest rate is getting lower and lower. There are periods where interest rate do rose, however the trend is down. For the past 5 years, there have been on and off voices that warns us that interest rate is about to rise. Bonds, which are interest rate sensitive, and pseudo-bond like instruments such as MLPs, REITs, business trusts, highly leveraged stocks, utilities are...

Read More

The Expected Return Model – How You can Refine Investment Decisions, Prospect Stocks Clearly, and Sleep Better at Night

Back when I was still figuring out all these investment stuff, I always have some questions that I couldn’t find in books or the people I listened to. Some of the questions that often bugs me was: Should I buy and hold investments for a long time? When some event happen, that affects my investments, how should my plan deviate? Should I still hold on? Should I sell or buy more? How should I size my positions in an investment portfolio, such that I do not get a large part of my capital impaired, yet not be too diversified...

Read More

CPF Talk Review – No General Solutions, Rich Assets vs Good Assets, Opening a CPF SA for your baby, Paying off Home Loans Earlier and Niche Rule of Thumbs

CPF is many things to Singaporeans, and we should be concern about how we can make sense of the CPF, and manage the CPF more efficiently. We conducted our BIGS LIVE on 16 Mar 2017, centering on making sense of your CPF and we have a very healthy turned out. My friends Chris from Tree of Prosperity, Budget Babe and Uncle Createwealth888 provide us with a glimpse of how they live with CPF and we all learn many nuances of the decision making they made that took them to where they are, or where they are heading towards. This turned...

Read More




Like us on Facebook

Follow us on Twitter