Author: Financial Horse

[Ask FH] How to build a balanced stock portfolio for all ages

I’ve recently received a number of really great questions on how to build a stock portfolio. I decided to address them all at one go in this article, in the hopes that it would be helpful for other readers out there. As always, if you have any questions on investing at all, drop me an email at admin@financialhorse.com with the subject title [Ask FH], and I’ll respond to you personally via an article. Note: I’ve tweaked/omitted some of the information below to protect the privacy of the readers. Accordingly, any resemblance with a person you know is purely coincidental....

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Top Reads this Week

1. Is buying experiences better than buying things? Not for everyone (Big Think) This is a great rebuke to the idea that its more worthwhile to spend money on experiences rather than objects. As it turns out, the original study was flawed because it was performed on affluent college students. Brilliant. “When money is tight, buying material things makes us happier than buying experiences. When we’re rolling in cash, it’s the other way around.” 2. Personal Lessons Learned Since the 2008 Financial Crisis (Financial Samurai) Another great take on lessons learnt from Lehman, from the perspective of an invesment...

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Top 5 REITs to buy now (2018)

Source: Motley Fool REITs have been getting a lot of bad flak recently. I like to think that this is down to 2 reasons. Firstly, because REITs are yield instruments traded on the public capital markets, the market tends to value them together with fixed income products. Accordingly, when interest rates goes up, the price of REITs tends to drop in tandem with other fixed income products, as investors now expect a higher yield from their investments. Secondly, because REITs are essentially a leveraged property investment (you buy property, gear up to 30-40% permanently, and collect the yield), a...

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REITs Screener 2018

Facebook Twitter WhatsApp Email Members of the Financial Horse Facebook Group will know that earlier this week, a fellow reader by the name of “Terry Ng” shared a photo of an absolutely amazing REIT Screener that he came up with to keep track of blue chip REITs. I was so impressed with the table that I reached out to him to ask if he would be keen to share it with other readers of Financial Horse. I knew it took a massive amount of effort on his part to compile this table, so the fact that he said yes without hesitation,...

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[Ask FH] When should you use a Robo Advisor? And some thoughts about day trading…

I love hearing from readers. My readers mean everything to me, and if any reader is prepared to take the time to write me an email, I will always respond personally (although sometimes life does get in the way, so please forgive me if I take some time in responding to you). I’ve recently received a number of really fantastic questions, and I think that my responses to them can benefit other readers out there. If you have anything about investing you want to ask at all, no matter how silly, drop me an email at admin@financialhorse.com with the...

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Top Reads this Week

A couple of readers have commented that the previous layout of “The Weekly Horse” wasn’t sufficiently intuitive, as it was a mixture of my thoughts, and the top weekly links seemed like a bit of an afterthought. Having read a couple of the posts myself, I have to agree that it’s a fair point. Going forward, the Sunday weekly link article will be kept purely to the top financial articles that I enjoyed for the week. If there is anything that I want to share for the week, I’ll cover that in a separate post. If you have any...

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Which is the Best Robo Advisor in Singapore? Review Royale!

Source: Wealthmastery.sg Following my previous articles on StashAway and Autowealth, a number of readers have asked me to do a review on Smartly and OCBC RoboInvest. My response was always the same: I’ve said my piece on robo advisors. If you’re picking between active managed funds such as unit trusts or investment linked products, robo advisors are a great choice. But if you’re able to enter a couple of buy orders every quarter and invest yourself, then you could easily pocket the fees charged (around 0.5% to 1.0% AUM per annum), and achieve about the same returns as a...

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Questions from a Budding Young Investor

Hi there! I wanted to drop you a note to let you know that your articles have been invaluable to someone like me who is only now looking to invest. Really appreciate the time and effort in explaining your thought process in your pieces. I was also hoping to get your thoughts on my current investing journey.  A little background about myself. I’m [Name redacted for privacy reasons] and am 32 years old. My wife and I maintain a joint account for expenses/savings, in addition to our personal savings. I started thinking seriously about investing our monies earlier this...

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Why I will not invest in Silverlake Axis Ltd

To be really honest, I actually never heard of Silverlake Axis Ltd (5CP.SI) until a couple months ago. At the recent Financial Horse giveaway, I invited readers to suggest companies they wanted Financial Horse to review, and surprisingly, Silverlake Axis Ltd beat the runner up SingTel by quite a fair margin. This got me really intrigued, and over the past few weeks, I have been reading up on every single material I could get my hands on that talked about Silverlake Axis Ltd. Basics: What is Silverlake Axis Silverlake Axis describes themselves as: Silverlake Axis Ltd (SAL) provides technology...

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The Weekly Horse: How should NSFs invest their money?

Source: The Straits Times I recently received the following question from an NSF reader (published with consent): “Hi Sir, I chanced upon your blog while trying to grow my wealth. I am currently still serving my nation, drawing not so much of an allowance (about $860). My monthly expenses is about $400. Currently, I have about $3000 saved in OCBC Frank Account. I am looking to get back about $30,000 in 5 years through investing. Should I put my $3K in unit trusts or ETF (S&P500/NASDAQ) or SREITS?” I reached out with a couple of clarifications, and this was...

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3 Key reasons why I will not invest in Gold

Source: Ebay I recently came into possession of a solid gold bar (it’s a long story). With the personal interest on the line, I figured this was a time to take a look at the attractiveness of gold as a long term investment. Basics: Gold as an Investment Gold needs no introduction. Since the start of mankind, humans have been drawn to this shiny metal. In 3000 BC, it was used by the ancient Egyptians to make jewellery. In 560 BC, it started to be used as a form of currency, and this continued all the way until the...

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The Weekly Horse: Dilemma of a 40 year old REIT investor

Source: Pimco For the past week, I’ve been conversing with a reader with a very unique financial situation. I’ve summarised the key points below (keeping his identity totally anonymous for obvious reasons): He is a new investor He is in his 40s, earns about S$5.5k a month, spends S$2k for his son’s therapy monthly Works shift work of about 12 to 36 hours each time Looking at a 4% – 6% yearly payout for his investments, with a minimum of 4% Currently on CIMB fast saver (1.0% p.a.) Thinking of buying 100 lots of Lion Philips SREIT ETF (S$10,000)...

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How to start a Financial Blog in Singapore

Source: Becomeawritertoday.com Over the past few weeks, a couple of readers have reached out to let me know about the blogs that they have started. I was particularly touched by one such heartfelt request from a fellow millennial who started the blog sginvestorboi95 (please support him if you can). The readers of the Financial Horse are the lifeblood of this website, without which none of this would be possible. So when this young reader reached out for my input and comments on his blog, there was no way I could turn him down. I wanted to pen this article...

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The Weekly Horse: Review of StashAway’s new “High Risk” Portfolio

In my previous review of StashAway (Part I and Part II), I commented that one of my main gripes with StashAway was their heavy allocation to US bonds, which from the perspective of a Singapore investor, was not very attractive due to withholding tax and forex issues. It seems that StashAway has taken this comment […] The post The Weekly Horse: Review of StashAway’s new “High Risk” Portfolio appeared first on Financial...

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M1: The best of the 3 telcos?

Part I of this trilogy focused on SingTel, Part II on Starhub. To complete the series, Part III will look at M1. Basics: M1 Much like Starhub, M1 Limited (B2F.SI) is a pure Singapore telco play, with all of its revenue coming from our sunny shores. Unlike Starhub however, M1 does not have any Pay TV offerings, so it’s revenue comes entirely from phone and internet. It’s 1 year chart is set out below in blue, with Singtel in green and Starhub in red. The price performance has been abyssal, but of course, not as bad as Starhub. What I...

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