Author: Investment Moats

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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Are DBS Be Your Own Boss (BYOB) and Save as You Earned (SAYE) Account Good?

I saw this DBS deal on our BIGScribe Facebook Group BIGS World that looked kind of attractive. DBS came up with a short duration savings account targeted at young adults to save money. I heard of a few versions of how this work from friends and got really confused. Is this better than the other hurdle savings account that I covered in my best Singapore short term savings account 2017? So I decide to take a look. What BYOB and SAYE is About Be your own boss looks to be a scheme from DBS to encourage young working adults...

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What Eating 3 to 4 Eggs a Day did to My Cholesterol Result

In my last post on optimizing our food expenses, I shared with everyone how slaying the hunger monster can be very beneficial to your health and your wallet. In the article, I shared about the change in my 7 day meal prep to incorporate 3 hard boil eggs instead of the vegetables. The advantages of doing that is firstly it is easy to prepare, secondly, eggs are a good source of nutrients and protein and lastly, they make you full and keep you satiated. They have some properties that just make you “feel you had enough” Naturally, there are...

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The Origins of Retirement and How it Shape Your Beliefs

Today’s article is part of our planning for retirement now series. This part of the article talks about the history of retirement. You might be thinking about planning for retirement. Or you are coming soon to an age that you should be retiring. Either which, you will have many things you ponder when we suggest the word “retirement”. Some things that might cross your mind: How much money do I need for retirement? Why is the retirement age 65 years old? Am I ready for retirement? Do I really need to retire? What is the best age to retire?...

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Singapore Savings Bonds SSB September 2017 Issue gives you 2.12% 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 2.12%/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 $12,167 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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When your Portfolio is Volatile, Your Cash Flow and Spending will become Volatile

In some of my articles in the past, I explained how much wealth assets we need to build up, if we are aiming for Financial Security, Financial Independence and Retirement. The formula in summary is as follows: Wealth Required for FS/FI/RET =  Annual Expense / Rate of Return of Your Wealth Machine(s) to Generate Cash Flows for FS/FI/RET For example, you may be aiming for Financial Security, where you aim to build up a Wealth Machine that distributes a Wealth Cash Flow that is able to cover your annual survival expenses. If you withdraw 5% of your initial wealth cash flows from...

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Daily Leverage Certificates (DLC) – What you need to know about this newly listed financial instrument

Not everyone is into stocks. There are many people that don’t invest in a specific manner.  They certainly do not have time to buy and hold stocks, or the temperament to analyse listed businesses deeply and make purchase and sale decisions on fundamentals. The majority of peers and acquaintances are not familiar with specific stocks. However, everyone is familiar with the main blue chip stock index of their country. If you are a Singaporean, you will be familiar with the Straits Times Index, if you are a USA guy, you will be familiar with the Dow Jones Index or...

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Who Owns the Property in this Case?

You must be living in some hole if you missed the narrative recently on HDB housing. Just as a recap, some ministers came out in the past to address about our largest home ownership scheme (you can read about some of the timeline in my article not too long ago here). The HDB is a 99 year leasehold and they confirm that once 99 years is up, the HDB will return to the government. Enforcement of the lease is confirm when the government will be taking back some housing whose lease will run out in 2020. So there is...

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The Frustrating Frasers Logistics and Industrial Trust EGM

I attended the EGM for Frasers Logistics and Industrial Trust for their purchase of a portfolio of completed and in development properties. I have to say it is rather frustrating. I will keep this post short. Here are some of the key takeaways. 3 Questions were raised whether future dividend per unit (DPU) will be diluted.  The whole Q&A session was center around one slide. This is a slide that the CEO Robert Wallace say is a regulatory demand and an unfair reflection of the actual situation. It states that after the completion of the properties, based upon the...

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