Author: KPO Adventure

Who has the lowest fees? StashAway vs Smartly vs AutoWealth

I previously wrote about Introduction to StashAway – Robo-Advisor/Automated Investing and my friend (lulu – not her real name. lol) asked, why do I think that StashAway has the lowest fee. She then highlighted to me that StashAway has tiered fees. OMG! Can you imagine how shocked KPO would be (especially when he started investing in StashAway)? I was under the impression that the annual fees percentages simply decrease as the portfolio value increases. So KPO went home, took a closer look at the fees involved and started crushing some numbers! 1. StashAway has tiered fees – Pricing Structure. 2. Smartly charges at...

Read More

Bleeding Stocks – Raffles Medical [Part 2]

This is the second series of “Bleeding Stocks” where KPO will be looking at 老鼠屎 (rat shit) dragging down the overall performance of his portfolio. Do check out part 1 if you have not :) Bleeding Stocks – QAF [Part 1] QAF share price dropped because Q2 results were pretty bad. On the other hand, Raffles Medical Q2 results were much better as compared to QAF – Raffles Medical Group’s Q2 profits marginally higher. Let’s take a closer look at the financials. There is almost no change but the same cannot be said for its share price. Based on its...

Read More

Bleeding Stocks – QAF [Part 1]

Our portfolio has been doing pretty well but there will always be 老鼠屎 (rat shit) dragging down the overall performance. I am not too worried because I have seen worst. lol. 1. QAF The first thing that came to mind would be the latest quarter result – QAF reports 72% fall in 2Q17 earnings to $8.1 million. I looked at the numbers and it is indeed quite depressing. However, the numbers can be quite misleading. The numbers highlighted in yellow is where the 72% drop comes from. One has to note that part of the huge drop can be attributed...

Read More

Portfolio Update – July 2017

Our portfolio grew by 3.32% to $258,487 – $6,741.41 of capital injection and around $1,564.59 of capital growth! BOUGHT – Netlink Trust (6,000 units) @ $0.81 – KPO OKP Holdings (5,000 units) @ $0.375 July seems like a busy month with many companies providing their quarterly earnings update which means a fat dividend month :) We applied for 20,000 units for Netlink Trust IPO and was allocated 6,000 units. We were pretty excited since this is the first time we IPO successfully but it turns out to be a pretty boring one when it opened flat. You can read my analysis to see...

Read More

Never Ever Buy Investment-Linked Policy (ILP)

What is an Investment-linked Insurance Policy (ILP)? Investment-linked insurance policies (ILPs) have both life insurance and investment components. Your premiums are used to pay for units in investment–linked sub-fund(s) of your choice. Some of the units you buy are then sold to pay for insurance and other charges, while the rest remain invested. The above definition is taken from MoneySense, you can find out more here. Interestingly, if you try to google “ILP”, this will be the search result and I highly recommend that you read it – The Ugly Truths Behind Investment-Linked Policies by Dollars and Sense. Unfortunately, CZM was a...

Read More

Book Review – Building Wealth through REITS

In my previous post, I shared how I bought the book for free using a $7 promotion and Google Opinion Rewards credits. KPO never like reading books since young but this is the 2nd book I have finished reading (CZM judges me for not finishing Harry Potter and the Philosopher’s Stone). The 1st book was Rich Dad Poor Dad and I am still reading The Intelligent Investor.  There are 8 chapters in total: 1. An Overview of REITs 2. REITs Versus Other Yield Investments 3. Perception Versus Reality 4. Different Types of REITs 5. The Health of a REIT 6. How Much is a REIT...

Read More

Free Google Play $7 Credit for Book

KPO previously introduced a way to earn Google Play credit through Google Opinion Rewards. Ever since then, I have been shopping in the Play Store every once in a while. Most of the time not buying anything, if only I can invest the credit. lol. Today, I came across an offer in the Books category! Although it states “Just for You” or me, I believe some if not all of you will have it too! Click on it and you will get the below T&Cs. You have until 30th September 2017 to redeem the offer! The promotion “$7 Credit on...

Read More

StockResearchAsia Strikes Again – OKP Holdings Ltd

There are a few blogs which I follow closely but there is only one which I have read every single post/article written – StockResearchAsia (KPO exaggerating…). They hardly post recommendation but if they do, it is almost a sure win. Their analysis is something which I can never do due to the time and effort required. Interestingly, they also suggested one to adopt a passive investing style which is to buy a low-cost ETF using dollar cost averaging method (similar to Warren Buffett). The main difference between them and the bank analysts’ recommendation/target price is stated in their disclaimer/important notice “We put money...

Read More

Introduction to StashAway – Robo-Advisor/Automated Investing

What are Robo-Advisors? They are a result of technology disrupting the existing market. An example would be Uber/Grab disrupting the taxi industry, leaving taxi go unhired and ComfortDelGro share price to fall (near 52 week low). They allow the general public/retail investors to diversify and manage their portfolio according to one’s risk level. Such services were only available to the wealthy in the past. A traditional financial advisor will be “You want to invest $100 per month?! Dun waste my time. I earn more than $100 per hour!”. For the proper definition/better explanation, read this – Robo-Advisor. This concept is not...

Read More

NEW SCB Online Trading Platform + Mobile Application

I received an SMS from Standard Chartered Bank (SCB) on 11th July stating that they will be upgrading their Online Trading platform. That was a piece of good news and I was really looking forward to it. Everyone knows that SCB apart from being cheap (lowest/no minimum commission), their trading platform has the worst user interface (it feels as though you have travel 10 years back in time whenever you use it, really hard to come by such website nowadays) and there is no mobile application! Being a KPO, I tell myself, you get what you pay for (一分钱,一分货). Cannot...

Read More

PayNow and its Promotions

You are reading it right, I am referring to PayNow and not DBS PayLah. Remember the days when you make a fund transfer to your friend and it takes a few days before it appears in your friend’s bank account? Then came FAST which stands for Fast And Secure Transfers where the fund transfer/money magically appears immediately in your friend’s bank account. PayNow uses the same magic except it allows you to make fund transfer simply by using the other person mobile number or NRIC on your ibanking site/application. This removes the hassle of going through the tedious process of adding “New Payee”, double checking...

Read More

Just Another Netlink Trust IPO Analysis

This is one of the biggest IPO in recent years and by now there are many articles written about it. You can refer to these articles instead (if you have not), they definitely write and analyze better than me: 1. One cannot make a decision on IPO without Mr. IPO’s chili ratings – Netlink NBN Trust (Update) 2. SmallCapAsia – NetLink Trust IPO: All You Need to Know About It In 10 Minutes 3. Investment Moat – The NetLink Trust IPO – A Good 5% Dividend Yield Stock to Hold? 4. SG Budget Babe – IPO Analysis: NetLink Trust So the question is...

Read More

Will IPO Make Money – IPO Analysis for the Last 3 Years

KPO recently met up with a group of friends. We are all working for different companies now and 1 of them works in SGX. I laughed at him claiming that he is one of the directors for those companies cause I have seen him appearing at IPO events, taking photos, etc on the SGX FB page – SGX | My Gateway. He then made an interesting comment stating that all IPO will make money (sell on the opening day). How true is it? KPO went to SGX website and found a page where past performances of the IPOs are being tracked! Unfortunately, SGX only...

Read More

Portfolio Update – June 2017

Our portfolio grew by 2.05% this month purely by capital gain to $250,181! We did not put in any money and still collected dividends! One of the main reason why there was such a huge capital gain can be attributed to the acquisition offer for Croesus Retail Trust at $1.17. The offer is at a 22% premium of its NAV ($0.96) and 38% premium based on its 12-month volume weighted average price per unit – Blackstone makes offer for Croesus Retail Trust at S$1.17 per unit. I know there are people out there that feels that this is not a good...

Read More

Earn Google Play Credit – Google Opinion Rewards

KPO will be sharing another tip to earn $$$ easily! Before you proceed further, I am sorry but this is for Android users only. Apple users can continue to read and share this with your Android friends. Hahahaha. I have personally tested this for a few weeks and used the credit as well. KPO has never *almost never* spent money on online games or mobile apps. The very first mobile app that KPO uses his own money to buy was this – Money Manager (definitely sounds like an app KPO would pay for). lol. I got it just before I started...

Read More

Like us on Facebook

Follow us on Twitter