Author: Investment Moats

Reviewing Frasers Commercial Trust’s 1 Year Leasing Results

Frasers Commercial REIT (FCOT) announced their fourth quarter and full year results this week. They are maintaining their dividend per unit at $0.024. This brings their annualized dividend per unit to $0.096. At current share price of $1.43, you get a dividend yield of 6.8%. (check out the current dividend yield of other Singapore yield stocks here) After the sale of 55 market street, as per my Dividend Stock Tracker, the net debt to asset is 26.8%. FCOT is supporting their dividend per unit with the money that they get from the sale of the hotel rights to Frasers...

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Solution to the Really Poor May not be a Better Savings Account

I read this article by Seedly where Ming Feng discusses that very popular subject the class divide. Ming Feng believes that the commonality, whether you are rich or poor is personal finance. There are some low hanging levers that you can pull that can push you on the path to greater social mobility. There are also tougher levers to pull. I am not sure if I agree. The older that I get, the more I realize that personal finance helps a lot if there are personal money that you can make a decision on. Knowledge is immensely helpful definitely...

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My Take on the High Grade T2023-S$ Temasek Bond Offer

Back when Temasek’s subsidiary Azalea Group issued the Astrea IV Bonds, I made the guess that the direction the government wants is for wealth building to be more broad based instead of being very concentrated in property and very safe instruments. To do that, the public requires more options. So when the Astrea IV came out, I think it let’s us know perhaps what is ahead. Yesterday, it was announced that Temasek will issue a 5 year bond yielding 2.70%. This Temasek 5 year bond gave us that indication that maybe there are more issues to come. One of...

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Is First REIT a 7.3% High Dividend Yield Opportunity or Should you be Careful?

I used to write in the past that First REIT is one of those good REIT that investors should investigate why it is so good. It was one of the examples that I used to explain what experienced real estate investors look for when selecting the properties to put their money into. The price was pretty fair at 6% dividend yield not too long ago but in recent times the share price have fallen. Per my Dividend Stock Tracker, we can see the dividend yield is 7.3%. Now that to me is attractive territory, not because of the yield...

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Your Rojak Portfolio and How to Fix it.

Over the years I had the chance to take a glimpse at some of my friends, family and co-worker’s portfolio. And often it looks like a mesh of financial assets that is all over the place. Sometimes, I can bring up some financial assets that they have, which they totally forgotten about. And a lot of people forget what they purchase. For some, these are on recurring payments, and it is only perhaps until the 3rd month of net worth tracking that they realize they were paying for it. Rojak is nice to eat. However, a rojak type of...

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What You Need to Know about Keeping Cash in Investing

This week have been a busy week at work and perhaps over the weekend, I would like to digest some thoughts about Manulife. So for my coverage, I should be writing some really short articles to compensate for the inactivity. The volatility have picked up this week, and there would be 2 thoughts running through your head: Is this a correction Is this the long overdue plunge to oblivion In both cases, it leads to some thoughts on cash allocation. Ben Carlson wrote a good piece about a common question we get a lot. Cash can be an addiction...

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Correction or not, make sure your process is sound

Kyith: I wrote this article probably 4 years ago in Aug 2014, when the market was  a little volatile and that readers require some guidance.  Since this week there are some volatility in the markets, I thought I will let you guys read this again. The last segment contains some rule of thumb for buying. If you are interested let me know about bringing back some post on distress buying. We haven’t had good volatility for a few months. Such is the bullish nature about the markets that there was a long streak where the S&P500 did not experience...

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The 11 Traits of Your Ideal Financial Planning Solution

As I wrote my last article explaining where we are currently, in the financial planning landscape, I received some positive and somewhat negative feedback regarding where I got things wrong and where I was spot on, on what needs to change. So the folks at DIY Insurance asked whether I could expand and write a piece that zoom into this. Specifically, what are your expectations, when you look to engage a financial adviser, a financial planning firm, to carry out financial planning for yourself. My job was made easy when my friend Alvin Chow from Dr Wealth wrote 2...

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How to Optimize Your Spending – The Definitive Guide

This post is meant for peasants. Why do I say that? At Investment Moats, a lot of what we discussed is on the growth aspect of wealth building. Probably, I haven’t delve into the aspect of how you look at your spending expenses. So this post sought to address that. Now if you earn a lot, such that saving money is less of an issue, and you do not wish to spend effort to right size your spending, then this post is not for you. However, if you are interested into how I think about spending, then do stick...

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Ask Kyith Anything at NAV Community on 10th Oct!

Not too long ago, I have introduce you to a free value added component of your DBS planning platform called Financial GPS. The Financial GPS allows you make sense of your net worth status and your cash flow status and with that, you can pretty much have a better idea about your own financial bearing. I didn’t share with you their Nav Community because it wasn’t ready yet. Well, now its ready and its a community that if you do not have much friends who you can confide and discuss all things about money, it is an avenue to turn...

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Singapore Savings Bonds SSB November 2018 Issue Yields 2.48% for 10 Year and 1.80% for 1 Year

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 October 2018’s SSB bonds yield an interest rate of 2.48%/yr for the next 10 years. You can apply through ATM or Internet Banking via the three banks (UOB,OCBC, DBS) However, if you only hold the SSB bonds for 1 year, with 2 semi-annual payments, your interest rate is 1.80%/yr. $10,000 will grow to $12,501 in 10 years. This bond is backed by the Singapore Government and its available to Singaporeans. A single...

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Weekly Thoughts: Understanding EV/EBITDA, Dementia and FI, Kidney Failure and snapping up a Wealth Husband

If there is one thing that I learn from the cult of Warren Buffett, it is that to be a good investor you have to read a lot. Well, I think we should read mainly on financial statements, and knowledge revolving the business that we are prospecting. However, we do not know what are the kind of companies that landed on our lap. They could seem like attractively priced companies but we are not familiar with it. The solution to this, is to read more in different areas so that, when they land on your lap, it might be...

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What is Your Savings Rate, Your Spending Rate and Your Personal Free Cash Flow?

I written a lot of articles where I used the terms savings rate, or your level of savings and I think some of you may be confused about what do I mean savings rate. What goes into the savings rate. So this article is to try and make sense of it. At the same time I will introduce 2 terms that we typically use in our articles: Your Savings Rate Your Spending Rate Your Personal Free Cash Flow With this, it will make my other articles more understandable. I would also go through some discussions so as to help...

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Weekly Thoughts: Of Monk, Warriors & BDSM, OUE Commercial REIT Rights Issue and Re-Arranging the Time Spent

If there is one thing that I learn from the cult of Warren Buffett, it is that to be a good investor you have to read a lot. Well, I think we should read mainly on financial statements, and knowledge revolving the business that we are prospecting. However, we do not know what are the kind of companies that landed on our lap. They could seem like attractively priced companies but we are not familiar with it. The solution to this, is to read more in different areas so that, when they land on your lap, it might be...

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Why the Financial Planning Platform Space Can Have Room For Improvement

My relationship with insurance started in 1997 when I first enlisted in the army. I think many of you guys would share the same experience as myself. The army company I was posted to, let in an adviser to persuade us to buy a personal accident plant. That was my first policy. I wouldn’t have to think about insurance again, until in 2005, a year after I graduated from university. That was about 2 years in, where I already discovered the world of unit trusts. I thought maybe I should start being a responsible adult. After learning about unit...

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