Author: Frugal Youth Invests

FSMOne’s ETF RSP and Kristal.AI Review – Which is better?

FSMOne introduced regular savings plan for ETFs on 13th November 2019.  FSMOne’s investors is able to buy into 40 ETFs listed on SGX, HKEX and US stock exchanges at a low investment amount of S$50* monthly. Commission rates are at only 0.08%, subject to the minimum amount for the various exchanges at S$1, HK$5 or US$1 respectively. What is Regular Savings Plan and Dollar Cost Averaging Regular Savings Plan allows investors to buy into ETFs (usually) or stocks on a regular basis with just a small sum of money. Dollar Cost Averaging comes to mind when an investor invests...

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Keppel Pacific Oak US Reit, Manulife US Reit and Prime US Reit Analysis

Introduction to KORE, Manulife US Reit and Prime US Reit  Keppel Pacific Oak US REIT (KORE) is a Singapore listed US REIT focusing on investing in income-producing commercial assets and real estate-related assets in key growth markets of the United States (US) with favourable economic and office fundamentals that are above the national average, so as to provide sustainable distributions and strong total returns for Unitholders. Keppel Pacific Oak US REIT is managed by Keppel Pacific Oak US REIT Management Pte. Ltd., which is jointly-owned by two Sponsors, Keppel Capital Holdings (Keppel Capital) and KBS Pacific Advisors (KPA) which...

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Q32019 – Portfolio Review

Current Portfolio S/N Name of Counter No of Shares % Portfolio Value 1 Astrea V 3000 12.7% 2 Koufu 6300 18.4% 3 OCBC Bank 300 13% 4 Warchest – 55.9%   Total   100% Transactions I bought 6300 shares of Koufu on 1st July 2019. You could head over to this article on why I bought it.   I sold 1100 shares of Singtel on 23th July 2019 at $3.53. At that price level, it gave me an opportunity to sell at a profit after been in a red for most of the months I held Singtel. I did not...

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Lendlease Global Commercial REIT IPO – The next Mapletree Commercial Trust?

In March, Straits Times reported that Lendlease was planning to raise up to US$500m with retail Reit listing on SGX. Few months later, Business Times reported that Lendlease was preparing for S-Reit listing that will include Orchard Mall and a property in Milan, Italy with an appraised value of S$1.4 billion. The long awaited Lendlease Global Commercial REIT IPO has finally arrived in Singapore with its initial prospectus lodged recently. You can refer to this website for their prospectus. Introduction Lendlease Global Commercial REIT is a REIT that will be listed in Singapore on 2nd October 2019. The REIT will focus on...

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Analysis of Cromwell European Reit and IREIT Global

2019 is definitely a good year for investors investing in REITS. Some REITS such as Mapletree Commercial Trust has already risen about 35% YTD and has been included as one of the components of STI Index. A look at REITS Data provided by The FifthPerson, you could see that there are a handful of big name REITS such as Ascendas Reit, CapitaMall Trust, Frasers Centrepoint Trust yielding less than 5% and some even yielding less than 4% like CapitaCommercial Trust, Mapletree Commercial Trust and Keppel DC Reit. However, majority of the REITS listed in Singapore are still yielding more...

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ESR Reit and AIMS APAC Reit Analysis

2019 is definitely a good year for investors investing in REITS. Some REITS such as Mapletree Commercial Trust has already risen about 35% YTD and has been included as one of the components of STI Index. A look at REITS Data provided by The FifthPerson, you could see that there are a handful of big name REITS such as Ascendas Reit, CapitaMall Trust, Frasers Centrepoint Trust yielding less than 5% and some even yielding less than 4% like CapitaCommercial Trust, Mapletree Commercial Trust and Keppel DC Reit. However, majority of the REITS listed in Singapore are still yielding more...

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ComfortDelGro Analysis – An Overrated Recovery?

In my previous article, I wrote that I am continuously looking to buy defensive stocks such as Sheng Siong, ComfortDelGro, SBS Transit, Koufu and the telecommunication stocks such as Netlink Trust and Singtel. As of now, I have yet to initiate position in Netlink Trust (in my watchlist) as I felt the valuation is still on the high side despite STI Index falling about 8% from its peak in August 2019. Defensive stocks’ price tend to be more resilient than cyclical stock during market rout. A look at CDG’s share price, we could see that its share price dropped...

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Reasons why I bought Koufu

It has been quite some time since I last updated this blog. I enlisted into National Service one month ago and the last stock I bought before I enlist was Koufu. There wasn’t time for me to write my thoughts about this purchase. Since it is the long National Day holiday, I might as well write a short article about it. Koufu Koufu’s business comprises of two segments – Outlet & Mall Management and F&B Retail. As at 30 June 2019, Koufu operates 47 food courts in Singapore, 2 food courts in Macau and 16 coffee shops in Singapore....

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Why I am buying Astrea V Class A-1 Bond

I was excited about Astrea V’s bond when its initial prospectus was released on 22th May 2019. At that point in time, I had invested in Temasek’s 2.7% Bond and was ready to sell it in the open market, to buy the upcoming bond issue. This is not the first time Astrea’s bond was offered to retail investors. Last year, around the same time, Astrea IV was offered to retail investors. I still vividly remember a project I did for one of my finance modules I took in Polytechnic. The project was on a discussion on why Lehman Brothers,...

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Why I am buying Astrea V Class A-1 Bond

I was excited about Astrea V’s bond when its initial prospectus was released on 22th May 2019. At that point in time, I had invested in Temasek’s 2.7% Bond and was ready to sell it in the open market, to buy the upcoming bond issue. This is not the first time Astrea’s bond was offered to retail investors. Last year, around the same time, Astrea IV was offered to retail investors. I still vividly remember a project I did for one of my finance modules I took in Polytechnic. The project was on a discussion on why Lehman Brothers,...

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Thoughts about Savings as a teenager

It has been about 3 months since my last post. 2019 is definitely an eventful year for me as I graduated from my course of study in Polytechnic a few weeks ago and I will be enlisting for National Service in 2 months time. I will not be updating my blog often as the purpose of this blog is to pen down my thoughts about my stock purchase so that I can hold myself accountable. I have not been purchasing stocks ever since my last purchase in late October and November. I sold all my REITS positions in December...

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Savings Account for NSF – POSB Save As You Serve

National Service is compulsory for all Singaporeans male. I myself is enlisting to serve the nation this year too. Before I go into today’s post, this post is not sponsored by POSB. The reason I wrote this post because I came across this savings account while suggesting some recommend bank accounts for my friend in NS. This post is to share the savings account NSF should have for the next 2 years of service. NS is a great opportunity where you can save as much money as possible to partially fund your further education fees. Remember how our parents...

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January 2019 – Portfolio and Transactions

S/N Name of Counter No of Shares Market Price Market Value % Portfolio Value 1 USX: UPRO 5 $42 $210 2.31% 2 Frasers Logistics and Industrial Trust 2300 $1.08 $2484 27.15% 3 T2023-S$ Temasek Bond 3000 $1.025 $3130.35 34.22% 4 Singtel 1100 $3.02 $3,322 36.32%   Total     $9146.35   (SGD) 100% Dividends received in 2019: $74.80 from Singtel on 10 Jan 2019. Profit and Loss (Inclusive of Closed Positions and Dividends) : $540.84 (4.74%) XIRR: 9.98% Click here for my current positionsClick here for my portfolio report Transactions I bought 47 shares of UPRO (ProShares UltraPro S&P 500...

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January 2019 – Should you buy the upcoming or latest SSB issue?

I understand that we Singaporeans always want to have the best deals. Starting from the previous post about Singapore Savings Bond, I will be posting comparison of whether to buy into the latest or the upcoming issue. Before we do any comparison, let’s do a recap how MAS derives the rates for SSB using the full month SGS rate. SSB rates are derived by doing an average on the respective daily SGS benchmark yields from the month before the public notice of issuance. The bottom of the screenshot shows the average rate for the month of December. Looking at...

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Singtel Analysis – Walkthrough of all businesses of Singtel

Singtel is well-liked by many investors. However, it has not been a great year investing in Singtel when it is down about 14%. Singtel is my first investment in 2018 and I have been holding it since then and it is not making any returns for me except the 5.6% dividend yield. To be honest, buying Singtel is a mistake because I did not study the industry Singtel is in and why Singtel share price is dropping. There is always a reason why its share price drops. I guess I have paid the price for not doing any substantial...

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