Author: Investment Moats

GoalsMapper helps the Adviser take Financial Planning to the Next Level

One of the key challenges for advisers is that they have to juggle communicating with their clients, yet not boring them with too much of the financial planning details.  Communicating with clients is just as important with the financial figures behind. If you do not do well with the former, you do not get the business. If the plan, which constitute of the figures, is not fundamentally sound, then over the long run, your clients will one day see the lack of sophistication in engaging you to help plan their finances. Recently, someone from Goalsmapper contacted me to review...

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GoalsMapper helps the Adviser take Financial Planning to the Next Level

One of the key challenges for advisers is that they have to juggle communicating with their clients, yet not boring them with too much of the financial planning details.  Communicating with clients is just as important with the financial figures behind. If you do not do well with the former, you do not get the business. If the plan, which constitute of the figures, is not fundamentally sound, then over the long run, your clients will one day see the lack of sophistication in engaging you to help plan their finances. Recently, someone from Goalsmapper contacted me to review...

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The Astrea V Structured PE Bond – 3.85% Yield for Class A-1 available for Retail Investors

Last year around the same time, in early June, Azalea Capital issued their Astrea IV bond. What was significant was that this was the first bond that Azalea Capital open a specific tranche that retail investors are able to purchase with smaller denomination. The reception for Azalea IV was very good. And so now, 1 year later, Azalea Capital decide to release the Astrea V. Currently, the Astrea V bond is in the order book building stage. It is kind of crazy this time round. As of now, I heard it is greater than US$4.3 billion! This means the...

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The Astrea V Structured PE Bond – 3.85% Yield for Class A-1 available for Retail Investors

Last year around the same time, in early June, Azalea Capital issued their Astrea IV bond. What was significant was that this was the first bond that Azalea Capital open a specific tranche that retail investors are able to purchase with smaller denomination. The reception for Azalea IV was very good. And so now, 1 year later, Azalea Capital decide to release the Astrea V. Currently, the Astrea V bond is in the order book building stage. It is kind of crazy this time round. As of now, I heard it is greater than US$4.3 billion! This means the...

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Generating Perpetual Passive Income – Contrasting the American and British Way of Measuring Wealth

There are two ways of measuring wealth. I didn’t realize this explicitly. I did note this implicitly.  The American Method of Measuring Wealth The first way is the American method. In United States, when they refer to wealth, you tend to hear someone say, “He has a net worth of $1,500,000.”  What she means is that if this person in question sold her assets, settled all her debts and deposited the remainder of her money into a checking account in a particular bank. This method of measuring wealth grew in popularity during the rise of Rockefeller and Carnegie.  We...

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Generating Perpetual Passive Income – Contrasting the American and British Way of Measuring Wealth

There are two ways of measuring wealth. I didn’t realize this explicitly. I did note this implicitly.  The American Method of Measuring Wealth The first way is the American method. In United States, when they refer to wealth, you tend to hear someone say, “He has a net worth of $1,500,000.”  What she means is that if this person in question sold her assets, settled all her debts and deposited the remainder of her money into a checking account in a particular bank. This method of measuring wealth grew in popularity during the rise of Rockefeller and Carnegie.  We...

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On “Unorthodox Methods” to Grow and Staying True

It is the mid week, a holiday and my willpower is weak. Work has been rather busy recently, and would get more busy. Now I finally understand what some of my readers are feeling when they say it is difficult to put in the work to learn stock investing. You come home and you do not feel like doing something.  So that is why I will tell those young ones… cherish the strong mind and freedom in time when you are a young adult and learn these things before you need them. Next time it will be quite tough. ...

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On “Unorthodox Methods” to Grow and Staying True

It is the mid week, a holiday and my willpower is weak. Work has been rather busy recently, and would get more busy. Now I finally understand what some of my readers are feeling when they say it is difficult to put in the work to learn stock investing. You come home and you do not feel like doing something.  So that is why I will tell those young ones… cherish the strong mind and freedom in time when you are a young adult and learn these things before you need them. Next time it will be quite tough. ...

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Singapore Savings Bonds SSB July 2019 Issue Yields 2.16% for 10 Year and 1.93% 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 July 2019’s SSB bonds yield an interest rate of 2.16%/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 1.93%/yr. $10,000 will grow to $12,172 in 10 years. This bond is backed by the Singapore Government and its available to Singaporeans. A single...

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Singapore Savings Bonds SSB July 2019 Issue Yields 2.16% for 10 Year and 1.93% 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 July 2019’s SSB bonds yield an interest rate of 2.16%/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 1.93%/yr. $10,000 will grow to $12,172 in 10 years. This bond is backed by the Singapore Government and its available to Singaporeans. A single...

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The Minimum Basic Standard of Living for Older Singaporeans Report was Useful for Me

A week ago, a team of researchers from Lee Kuan Yew School of Public Policy released their research on working with a few focus group to determine the household budgets necessary for older people to meet their living needs. This was developed based on their Minimum Income Standards (MIS) methodology. So we see this share out a lot. But I wonder actually how many read what the report entails. For sure, the headline sounds good and it makes us wonder how that is derived. The report is not a secret and if you Google it at LKYSPP you should...

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The Minimum Basic Standard of Living for Older Singaporeans Report was Useful for Me

A week ago, a team of researchers from Lee Kuan Yew School of Public Policy released their research on working with a few focus group to determine the household budgets necessary for older people to meet their living needs. This was developed based on their Minimum Income Standards (MIS) methodology. So we see this share out a lot. But I wonder actually how many read what the report entails. For sure, the headline sounds good and it makes us wonder how that is derived. The report is not a secret and if you Google it at LKYSPP you should...

Read More

Passive Income Greater than Your Burn – This is How You Get Peace and Dignity

Scott Galloway is out with his new book, and in a smashing podcast, he brings up a tale about his father and his close friend:   What is the definition of rich? When your Passive Income is Greater than Your Burn. Those of you who are ages younger than 40 to 50 years old, you should be focusing on “the Top line“. You would want this figure to be bigger and bigger. Scott has a close friend who is a partner at the investment bank. He manages 200 investment bankers. He makes roughly $5 to $7 mil a year....

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Passive Income Greater than Your Burn – This is How You Get Peace and Dignity

Scott Galloway is out with his new book, and in a smashing podcast, he brings up a tale about his father and his close friend:   What is the definition of rich? When your Passive Income is Greater than Your Burn. Those of you who are ages younger than 40 to 50 years old, you should be focusing on “the Top line“. You would want this figure to be bigger and bigger. Scott has a close friend who is a partner at the investment bank. He manages 200 investment bankers. He makes roughly $5 to $7 mil a year....

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The Permanent Portfolio Might Do Worse in Retirement than the Traditional Equity Bond Portfolio

When it comes to wealth accumulation, many are a fan of Harry Browne’s Permanent Portfolio. Recently I wrote about it here.  One of the main take away from my article yesterday on how do you make $500,000 last for 60 years by withdrawing an initial amount of 5% of the portfolio was that high volatility is not very desirable when it comes to spending down our wealth. So naturally, the permanent portfolio comes to mind a portfolio that is made up of components very uncorrelated that reduce the overall volatility. If we revisit the table of portfolios recommended by...

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