Author: Of Bulls And Bears

Portfolio Update: Added Associated British Foods

This will be a short post, following my long analysis on Sandfire Resources last week. I have just added Associated British Foods (ABF) from the the FTSE 100 Component into my portfolio. This is the name behind the budget retailer Primark, the Twinings English tea and the famous Ovaltine drink. It is a conglomerate dealing with 5 main business segments: Sugar, agriculture, ingredient, grocery and retail. While I am aware that Brexit decision largely looms and ABF is exposed to its operations in Europe, shares are selling at a compelling price after my due diligence. Over the years, revenues and dividends...

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My Analysis on Sandfire Resources

Overview Sandfire Resources NL (ASX: SFR) is a copper-gold exploration company based in Perth. Listed on the Australian Securities Exchange (ASX) in 2004, Sandfire Resources was later added in the ASX 200 index in 2010 (not to be confused with ASX 100). Their Copper-Gold mine, DeGrussa, has been one of the best finds made in the history of Western Australia and has since been serving Sandfire Resources with good revenues. The company is being categorized as a Small Core company by Morningstar despite it being one of the largest copper producers in Australia. Main Projects Australia: DeGrussa Mine ,...

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Hedging My Investments with SSB

I have started to hedge my investments by selling Bumitama Agri to park into the “risk-free yielding” Singapore Saving Bonds (SSB) and getting some exposure to gold. The thought of hedging came as well after Wall Street reached its longest bull run history. Despite on-going positive GDP growths, unknowns can be dug out anytime and public investors like us will likely be caught off guard. Unless one can be confident that such warnings will be revealed to them in their life or profession before things happen, the overall risk is not really worth it. The current question in our...

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Micro Needling: The money it will save you from expensive facial sessions

In my earlier post on how I save nearly half of my salary, the topic Micro Needling was mentioned. My apologies to UN for reading his comments this late, requesting for more information on this topic. Micro needling or other facial treatments commonly costs us around $100 or more in Singapore facial outlets. Some of us may avoid paying such hefty fees despite hoping to look younger or better. Many are unware that it is a problem that can be solved by themselves. When my dermatologist shared that micro needling is a faster process than most other procedures, it...

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Monthly Expenses: August 2018

Total Expenses: $1,284.80 Family: $550 -Monthly Allowance for Parents: $550 (recurring) Utilities: $76.00 -Handphone Bill: $23 (recurring) -Internet bill: $53 (recurring) Food & Coffee: $364.70 Transport: $83 -Ezlink Topup: $70 -Grab: $13 Others: $211.10 -4D and Toto bets: $18 -Household goods: $31 -New work shoes: $87.20 -New shoes for my love: $39.90 -Miscellaneous: $35 (Period: 26th July to 26th August, 2018) My food and transportation expenses have remained constant  as compared to last month’s. The betting had been slightly reduced but I think it is not good enough; below $10 will be great. Overall expenses this month have been...

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Recent Transactions and Dividends: June to August 2018

The market has been restricting much upside gains but it is a good time to accumulate on the dips. As you guys noticed, I frequently change stocks to gain on price appreciation and sell them when limited upside is foreseen. This is my strategy as a young investor to build up capital size. The strategy will definitely change to a high yielding portfolio as I age to reduce the risk reward ratio. Sometimes, my exit may be too early which is something I am still mastering. Like Peter Lynch wrote in his book, “It’s easy to make a mistake...

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Monthly Expenses: July 2018

Total Expenses: $1,159.90 Family: $630.00 -Monthly Allowance for Parents: $550 (recurring) -Mum’s birthday dinner treat -Cousin’s 21st Birthday red packet Utilities: $76.00 -Handphone Bill: $23 (recurring) -Internet bill: $53 (recurring) Food: $353.80 -Groceries: Instant coffee, snacks, cereals -Hawkers/Restaurants -Coffees/desserts Transport: $60.00 -Ezlink Reload X 2 Others: $40.10 -Household products: Bathroom soap, Tissue boxes -WC, 4D and Toto bets: $27 -Haircut: $5 (Period: 26th June to 26th July, 2018) Before reading the book “Your Money or Your Life”, I have been tracking my expenses since the month of May 2018. As the months goes by, the revelations of where my...

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Opening of DBS Multiplier & UOB One deposits

We have seen a few revamp from some of the banks such as the recent policy update by UOB One account effective 1st August 2018. Being a financial savvy adult becomes complicated nowadays, with the abundance of many deposit accounts out there such as the CIMB FastSaver Account and BOC SmartSaver Account at your discretion to earn higher interests. Honestly, I have not been the most updated on the subject and hence was late in switching my deposit accounts to one with a higher interest. In fact, it is almost 6 months late since the revamp of the DBS...

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Review of My Favorite Investing Books

So far, I have only read a total of 6 books with 1 of them still in progress. Guess this is the cheaper version of self learning as compared to going to investment courses that may turn out to be bogus. Here is a review, summary and ratings of my favorite 4 books. The ratings represents my personal view and it may be wise to also check out the ratings of other readers on Google.  The Millionaire Next Door – Thomas J. Stanley This is very easy to understand book and it is mostly based on surveys and research done...

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Analysis: Mid Value in Current Holdings

The recent weeks have been rather interesting. There are lots of doom in the markets as well as surprises in the World Cup tournament. I am glad that one of my Cup winner bet is still kicking alive, after the exit of first bet Germany. Been also quite busy spending my free time catching up on books, TV shows/ 8 Pool game and fitness. It makes me wonder if I am a greedy person wanting to do so much. Portfolio has been rough with my SG stocks pulling down my overall portfolio with Singtel as the main “culprit”. US...

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“Investing is like taking a train”

A short post here to share on an analogy which came upon because I was too focused on my phone and took the wrong direction of the train early in the morning to work. On other occasions, I did not alight at my stop because I was not paying attention. To explain my foolishness, this is actually quite a common habit as validated by fellow colleagues. I would like to relate how taking a train is like how investments work. There is usually an expected outcome which we desire to happen in each of our investments. That outcome is...

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Analysis: Fast Growers

Before we start, I have recently added my stakes in Singtel and Lippert Components at SGD 3.26 and USD 86.00 respectively. This makes Singtel the majority in my holdings. I may have to re-adjust Singtel shares again due to such exposure. For now, I will collect the dividends. Sold Oracle shares at a slight loss to raise cash levels as well as hesitated adding stakes in IRobot when it got cheaper. Accidentally, current portfolio constitutes a 50/50 allocation in SG and US markets. Now the main topic, I will be running through the fast growers in short summaries. Young...

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How to Invest our time wisely

There is a saying “The person you’ll be in five years from now, depends on the information you feed your mind today”. After a long day from work, it is understandable to come up with excuses to remain productive. We are all tired. For those who have their own houses or families, this may mean less time after clearing of chores and taking care of kids. Yet, hardly do we find excuses to resist the indulgence of leisure such as gaming or TV shows? It is poor usage of time if our entire spare time are spent on entertainment....

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Saving 47% to 50% of Salary: My Expenses

There are some fellow bloggers who really did a great job in their savings during their twenties. We have endless factors spurring or hindering us to how much we had saved today. It comes down to the level of indulgence in terms of food and leisure, how we control our expenses in transportation and utility bills, how cheap or expensive our interests/hobbies are, the type of insurance plans we get or avoid, the investment decisions we make and the interests/rebates we earn. Realistically speaking, kids whose parents pay for their education, car licenses and hobbies will surely have an...

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Analysis: Large Value in Current Holdings

During the time to time market volatility, we should be reminded that there will always be worries and risks in any companies. Our risks should be mitigated by the margin of safety in terms of our price and from the information we gathered. We serve ourselves much less apologies or regrets if we are able explain why and what we have done what we did. Doing it at the right time is equally crucial. As mentioned in the previous post, I will run through the five companies currently held and share my research and opinions. Singapore Telecommunications (Z74) As...

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