Disability Income Insurance – A Comprehensive Look at an Important Protection for You

About 7 years ago, my good friend told me about what happen to his boss. Then, my friend was working in a bank doing product control and his boss manages a team of six. One fine day, his boss got into an accident while on the road. His life was not in danger. However, he damaged his lower part of his body and they have to do a few operations to repair the hips. Then, the boss have to rehabilitate … [Read more...]

November 2016 Singapore Savings Bonds SSB gives you 1.79% interest per year over 10 years

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The Nov 2016’s SSB bonds yield an interest rate of 1.79%/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 $11,816 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. Last month’s bond yields 1.79%/yr for 10 … [Read more...]

Lifetime 50% NCD Guarantee – FWD Insurance Pushes the Singapore Insurance Market

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If you are a proven safe driver who has earned a 50% NCD, wouldn’t you like to keep it for a lifetime and not be penalized if an accident unfortunately happens? If you are shopping for travel insurance, wouldn’t you like to get a plan that meets your needs, with a fast and simple claims process, at a competitive price? If you are looking for DPI Insurance, wouldn’t you like to be able to purchase … [Read more...]

REIT: Prosperity REIT’s Shareholders Voted NOT to Purchase Accretive Commercial Property

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Prosperity REIT is a listed Real Estate Investment Trust in Hong Kong. It is managed by Singapore listed asset managed firm ARA Asset Management. ARA Asset management also manages Suntec REIT (5.8% dividend yield), Fortune REIT (5.3%), AMFirst REIT, Cache Logistic Trust (9%), Huixian REIT (8.4%). The REIT entered into a sale and purchase agreement to acquire a 24-storey office tower at 410 Kwun … [Read more...]

Ascott Limited CEO on Disruption, Picking the Right School, and Drawing your Career Direction

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One of the good piece I came across this week was written by the CEO of ASCOTT Limited. Not many know Ascott is the world’s largest international serviced residence owner-operator. As a top level performer in society, he has the privilege to interact with a wide variety of folks in his complementary scope. And these interactions have shaped the way he look at work evolving to the time our … [Read more...]

Soilbuild Business Space’s Distributable Income Falls 3.9% for the Quarter

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Soilbuild Business Space(Dividend yield 7.9%) announced their third quarter results. The Distributable Income dropped by 3.9% and overall DPU dropped by 13.9%. We have to be aware that there was a preferential offering, which is dilutive to existing shareholders and enlarged the share base. This preferential offering was to fund the purchase of a short land lease Bukit Batok … [Read more...]

The manager of IREIT Global will be acquired by Tikehau Investment Management

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Last week, we finally gotten more information that the sale of IREIT Global’s manager will take place. The new management now will control 80% of the REIT manager with the other 20% held by Shanghai Summit group, which is Tong Jinquan’s vehicle. There will be movement in terms of personnel as well. The current CEO and CIO would have to resigned. They are also expanding their investment … [Read more...]

We should be Experiencing Financial Freedom before the Wealth Security at the End. Yet Wealth Security is still a worth while Milesone

B from Forever Financial Freedom did a review of his goal of retiring at 35 years old. And it turned out he is not there yet. His goal is to do it in 10 years, when he was closer to 25-26 years old and if he took stock today, it is somewhere close to midpoint. Some of the things that was impeding him was the rate of return but also the contribution amount came down over time. His … [Read more...]

Keppel DC Acquires Data Centre in Wales, Showing us How a REIT can Grow Well

One of the privileged presentation during our reader’s sharing Building Cash Flow with Stocks was an explanation of how REITs grow by B from Forever Financial Freedom. He illustrated based on his competency how the capital management of REITs could take place to grow with debt and equity. I do agree with his thoughts, and my article on how REITs grow have articulate that view. In this week’s … [Read more...]

Charter Hall Long WALE REIT Case Study – Low Dividend Yield, Long WALE and build in Organic Growth

Singaporeans have a good number of REITs for them to select from, when they look for dividend yield and share price appreciation. These REITs are split into different categories and have their own characteristic, dividend spread over the risk free rates and react differently to the demand and supply of their own categories. (You can take a look at the REITs, their prevailing prices and certain … [Read more...]

Join us in a Conversation about Building Cash Flows with Stocks

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One of the most captivating aspects of wealth building is the ability to generate a stream of cash flow. Different people can make use of this stream of cash flow very differently. The wiser ones appreciate and leverage on the cash flow they created effectively to create more wealth, while others look at it as a way to supplement them in times of need. Others become poorer as they were not able … [Read more...]

Beginner’s Guide – How to Buy and Sell Stocks, Bonds, REITs and ETFs in Singapore

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Why do you want to learn this? You would like to kick start investing or building wealth by purchasing and selling some financial assets. You would like to: Buy and Sell Stocks, Bonds, Real Estate Investment Trust (REITs), Exchange Traded Funds (ETF) Open a Stock Trading Account and Use it Learn how to start investing Not do the wrong things in purchasing and selling these … [Read more...]

Accredited Investor or Not, You will just be Equally Screwed if Wealth is Not Important to You

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Its not whether you are ‘rich’ or you are poor. Money means something to each of us and most often then not, it is just as precious. Bloomberg ran a story today discussing the plight of the investors due to the fallout of the recent woes of the oil and gas industry (Swiber, Rickmers Maritime, Marco Polo Marine). You can read the article here. The main focus of the article is that some … [Read more...]

Rickmers Maritime – Now for the Bond Holders to Suffer

Rickmers Maritime, once a 10% high dividend yielding shipping trust, have updated that they are not able to pay the interest and the principal on their US$179 mil senior debt due on Mar 2017. I written about shipping trusts in the past, and have invested in them in the past. I felt that they are always being analyzed in a broad stroke that these are bad investments. In the case of Rickmers, it … [Read more...]

Reflecting on Working Hard to Save So That we Can Enjoy Life Next Time

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The above statement is something that cross my mind recently. We seem to be on a hedonistic treadmill to learn things in school, skill up work to fund things and goals our parents have been doing at our age work to fund the same retirement goal that our parents have been doing all this while reach retirement, enjoy retirement wait for medical concerns to set in, struggle and past … [Read more...]

Frasers Hospitality Trusts Strange Non-Accretive Novotel Melbourne Purchase

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Frasers Hospitality Trusts decides to do a rights issue to acquire Novotel Melbourne in Collins for A$237 million. This deal is strange because it is not an accretive deal on the first day. When we say it is not accretive, it means as an existing shareholder, your dividend per share will go down, as a result of this acquisition, instead of up. This hotel is located in the prime Collins … [Read more...]

October 2016 Singapore Savings Bonds SSB gives you 1.79% interest per year over 10 years

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The Oct 2016’s SSB bonds yield an interest rate of 1.79%/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 $11,816 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. Last month’s bond yields 1.75%/yr for 10 … [Read more...]

Short Review of Office REIT Future Prospects

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DBS Vickers ran a report Sep 2016 on a review of the Office REIT sector. The stabilization of prices looks to be in place. The first positive sign DBS highlight is that the office REIT looks to be protecting their tenants well. Not many were poached. The reason could be that, like what Keppel REIT like to remind us, their properties are rather new. And in this case , you do see the … [Read more...]

$0 to $300000 in 11 years – How I Saved My Income into My Wealth Machine

How do you go about finding the money to build wealth? A question that is on many young graduates mind, when they first step out to work in their first job. Young Graduates who got lit by the fire from Robert Kiyosaki’s Rich Dad Poor Dad, or Warren Buffett Books and Memes. Today, I will enlighten you: How I got start Philosophically how I look to build my capital How that philosophy … [Read more...]

REIT Long Lease Rental Issue – Dispute of Agreements: Cache Logistics Trust Case Study

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Many investors favor investing in real estate investment trusts (REIT) with strategic properties that tie in tenants on long leases. There is certainly an appeal: Good Counterparty – You lock in someone who has the ability to pay good rent for a long time Reduces the risk to consistently source for tenants Longer term lease (5 to 10 years) tend to have build in CPI or inflation … [Read more...]