Author: KT Wealth

Reflection of my income streams and investment portfolio

I have a big roadmap of where my different income streams will be. For the past 8 years, I have been developing them. It is with this belief that will support my end goal of living a life that is contractually free, a 10 years plan in place. This post shall be a brief of where I am now and where I wish to be. By sharing, I hope to inspire everyone around me. My Day Job I have been strengthening my expertise in regional business development and cross-border negotiation, thereby building an excellent track record across diverse clientele...

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My 10 years plan that gives me peace of mind in future

Time is your friend. Patience is a virtue. How true this is. I set my financial sight to equities during 2008 sub-prime crisis, scooping up dirt-cheap shares of a prominent blue-chip Developer at less than S$1.50. In Jan 2015, I sold my Keppel Land shares at S$4.55 per share due to the privatization offer from the parent company, Keppel Corporation. That gave me more than 120% net returns, excluding dividends. Indeed, it was a hefty bonus for me! Being prudent, I channelled majority of the realized gains to my Emergency Fund. Forward-looking vision – in 2016, I aim to...

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Why does a Market Opportunist buys Keppel Corporation now

We have seen several global events unfold this year. The downward spiral of oil prices, US Federal Reserve interest rate adjustment, China economic slowdown, threat of terrorism and the continued sluggish commodity demand. I have nothing much to shout in my portfolio. But it’s with the negative sentiment that I smell opportunities. Jack Ma once said “if 90% of those present at a business meeting vote in favour of one or other suggestion, I’ll always throw it out”. You can see more of his quotes here. What this means is that if everyone thinks about a particular idea, agrees...

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Here are 5 great ways to close a deal if you run out of ideas

You can be a great person to build relationships. But if your closing rate is low, it’s as good as losing your plot. Often, a salesperson struggle because (a) he is shy to ask for the client’s signature (b) he develops preconceived assumption about the prospect (c) he can’t sense the buying signal in the beginning Whatever the reason, the salesperson’s (Insurance Agent, Property Consultant, Furniture Sales Executive, Relationship Manager etc.) success depends on the total value of the agreements and the rate of closing. 1. Repeat the prospect’s requirements During the selling process, you need an excellent listening...

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The market feeds on your emotions. Stand firm and believe in your objective

You heard it. Corporate earnings disappoint. Companies face challenging market conditions, from softening of the retail climate to rising costs of rent, manpower and production. Externally, oversupply of oil with prices plummeting and there are few signs of recovery. Slowdown in China with China Central Bank imposes further interest rate cuts. Locally, Developers are pressing for favorable regulations to incite buyers’ interest in properties. Commodities slump as demand drops heavily from China, Russia and India.The story of “emerging Asia” becomes a theme of the past as funds flow outwards to Europe. Standard Chartered is the latest bank to retrench...

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5 ways to make money before year 2015 ends

Look around you. There may be money-making opportunities. But the environment is cluttered with various schemes – some are dubious and raise suspicion. Flip the papers and you see an advertisement promising you double-digit returns with an investment that needs little effort. Surf the internet and there are many online link-ups informing that you can earn a 4 digit income within a few days by working from home. I prefer to pursue something that’s credible and pragmatic. In 2015, the chances are here! Do note that the options regarding investment are purely recommendations. Every individual has their personal risk...

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How to pull out key points from CEO/Chairman Statement in Annual Reports?

The AGM (Annual General Meeting) is coming. The annual report is printed with fancy images, painting a positive picture of the company. Looks like a colourful brochure to me. I flip the pages and more stunning visuals pop up. Selling the business may be appealing, however, that’s not important to me. What’s critical is the information beneath, which I need to tear out bits and pieces. One of the first things I will look at is the CEO/Chairman statement. It’s an executive summary, providing an overview of the business. The statement is found in the first few pages of...

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The first 2 questions to pop up after reading annual reports

1. How does the company make money? Easily, you can gather the nature of the business (what the company sells) through the company website. However, it’s not just about the products and services but how does the company actually make money? To illustrate an example, I will use Straco Corporation Limited (“Straco”), Annual Report FY2013. Straco is operates and manages tourist attractions. Please note that this is not a recommended stock pick. Seek your licensed financial consultant for advice. Any information below is used for educational purpose. Firstly, find out: “Where did the company sales originate from?” “Which segment...

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6 ways to save money yet gain something meaningful

I begin to think about how “the man in the street” is able to save money yet gain something meaningful. So, I churn out a list of activities that anyone can do, minus off the wallet. 1. Visit the Library Take a walk into our National Libraries without flipping out a coin. Spend a day browsing through magazines or pick up your favorite book to read. Not only you can enhance your knowledge, you may also learn something beyond your imagination. Maybe, you may also know a friend next to you because of common reading genre. And who knows,...

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5 things you need to know about Starburst

When I first heard about Starburst IPO, I thought this business is unique. Starburst specialises in the design and engineering of firearms-training facilities. Starburst designs, fabricates, installs and maintains anti-ricochet ballistic protection systems for firearm shooting ranges and tactical training mock-ups. Their clients include law enforcement, military and security agencies, as well as civil authorities in Southeast Asia and Middle East. There are several positive takeaways why one should consider Starburst. The industry has high barriers of entry that many can’t imitate due to the intricate technical expertise. Starburst has the patented “Searls” trademark – anti-ricochet ballistic protection materials...

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Why you should have a financial balance

I read many articles that talk about prudence and frugality. The message across is a timely reminder as an individual should not spend beyond their means, especially the inflationary pressures in Singapore. In other words, think about saving first (paying oneself) before paying off your bills, much least spending the extra cash. Think about building your emergency fund first. Think about the definition of delayed gratification, so that you are able to build your current cash flow. From less to more, isn’t that fantastic? However, being overly obsessed with every dollars and cents may bring you to the point...

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My Parkson Store Visit in KL (Part Two)

Let’s move on to Part 2 of my Store Visit in Parkson, Kuala Lumpur. For my readers who miss part one, you can find the information here: http://www.ktwealth.blogspot.sg/2014/01/my-store-visit-parkson-kuala-lumpur.html In-store Promotion, Marketing and Branding There are some catalog and booklets available that showcase the latest deals. During the Chinese New Year, Parkson launches hamper sets to mark the auspicious Year of the Horse. There are also discounted offers for various merchandises. The problem is, the promotional materials are placed at the Customer Service Centre. One whole stack. It’s not distributed to potential customers or placed in prominent points of attraction...

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My Store Visit @ Parkson, Kuala Lumpur (Part One)

I was on a business trip in Kuala Lumpur about two weeks ago. Part of my agenda was to make a store visit to Parkson. I have brought my self-made store survey sheet with me and narrowed down to two Parkson outlets for sampling – The Pavilion at Jalan Bukit Bintang and Suria KLCC. It made perfect sense since one was centrally located and the other a popular shopping street. I would use Parkson, The Pavilion, Jalan Bukit Bintang, Kuala Lumpur. Considering the festive season during this month, I was expecting a sizeable dose of crowd in the department...

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3 trends to watch out for

I just returned back to Singapore from the Scandinavian islands not long ago. It has been a wonderful trip personally, culturally and historically. As I marvelled over the great natural wonders of Iceland, I am completely intrigued by the formation of the lava fields, hot springs, hot mud, gorges, glaciers, icebergs to waterfalls over the years. There are no words to describe the stunning landscape. Just like the rush of the waterfalls, the financial stock market is filled with quick opportunities for us to capitalize. So, I will like to write about 3 trends to watch out for in...

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Interview with FFN – my investment life

I was asked by FFN, a fellow acquaintance in the investment community, to share my thoughts on investment (thanks FFN!) Below is the interview extract: FFN: How did you get interested in investing and who inspired you to get started? Ken: It started off with my former colleague in the education industry about five years back. He hinted to me that the opportunity had arrived as there was widespread negativity in the worldwide markets. When I queried further, he strongly encouraged me to take the year-end bonus and buy into shares of companies. At that time, I have almost...

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