Author: Lizardo Realm (Investment)

ElderShield – A Severe Disability Insurance Scheme

Well, so as expected, and rightly so, CPF Board cannot release information of its member without being authorised by the member. [Dilemmas Dealing with End-of-Life] But what CPF Board was able to accede to was to check if she is covered under ElderShield.  Must say CPF Board was responsive and helpful.  So here’s an extract of their response: “ElderShield was first launched by the Ministry of Health in September 2002 as a severe disability insurance scheme which provides basic financial protection to those who need long-term care, especially in their old age. It provides a monthly cash pay-out of...

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Dilemmas Dealing with End-of-Life

It’s complex enough building up a wealth portfolio towards financial independence. I think the end-of-life part gets equally complex and deserves attention. Here’s the scenario and I welcome any suggestions how to go about it … My 90-year old mother lives with two of my siblings. She has not been in the best of health in recent years. Most recently, she suffered yet another fall at home and was evacuated to A&E. While at the hospital, she suffered a stroke. She is now bedridden and totally unable to communicate, or do anything whatsoever on her own accord. Nobody in...

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10 Years @ 8.6% and a Year of Zero

So ends 2018, and with that, my 10th year of investing in the stock market. I guess 10 years can be seen as long term enough for investing? For 2018, STI has been down -9.8% (not inclusive dividends). My portfolio has achieved -6.4%. Kind of oxymoron to use the word “achieved”. After all, what is achievement here when it has been negative? Can I console myself that I over-performed the STI by 3.4%? Oh wait, but my dividend yield for the year happens to be precisely 3.4% too. That means I only matched the market? Nope, most definitely a...

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Bit by Bit, the Coin that wasn’t

So the euphoria of BitCoin and all variants of cryptocurrencies appear to be going the way of the dodo bird. I must say it took a lot of conviction to resist from throwing some money into it when it looked like it was never going any way but up over the past two years.  Up, up and away. But what kept me on the sidelines were those exponential graphs of its jet-thrust trajectory.  It reminded me of similar graphs of the Dot Com era, the S-Chips craze, etc. They always have the same consistent look. All good things must...

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When My Luggage Went Wandering

Wifey and I flew from Singapore to Belfast recently on British Airways, transiting through Heathrow Airport. It was a luxe trip as we decided to go with business class for the outward bound flight. We figured we could splurge and have a decent sleep on the way there, especially as we would be arriving in the morning and had to drive up from Belfast to our eventual destination. It was a decent trip. The British Airways lounge at Changi wasn’t something to crow about. Decent, not too crowded, but limited food options (although decent tasting) and we felt, drab...

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When My Luggage Went Wandering

Wifey and I flew from Singapore to Belfast recently on British Airways, transiting through Heathrow Airport. It was a luxe trip as we decided to go with business class for the outward bound flight. We figured we could splurge and have a decent sleep on the way there, especially as we would be arriving in the morning and had to drive up from Belfast to our eventual destination. It was a decent trip. The British Airways lounge at Changi wasn’t something to crow about. Decent, not too crowded, but limited food options (although decent tasting) and we felt, drab...

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Age of Disruptions

Nothing lasts forever when change is a constant. Oh wait, that’s a lot of cliche in one sentence. Overdose of it perhaps? Getting back to the subject … ComfortDelgro is being disrupted by the likes of Uber and Grab. SPH‘s print media is being disrupted by digital media, even as it plays catch up while diversifying into retail malls and community care facilities. SingPost snail mail is being disrupted by e-mail, while its eCommerce offers patchy slivers of opportunities. Singtel is shifting from a pure play telco into a digital technology company. It’s hard for an incumbent business to...

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Age of Disruptions

Nothing lasts forever when change is a constant. Oh wait, that’s a lot of cliche in one sentence. Overdose of it perhaps? Getting back to the subject … ComfortDelgro is being disrupted by the likes of Uber and Grab. SPH‘s print media is being disrupted by digital media, even as it plays catch up while diversifying into retail malls and community care facilities. SingPost snail mail is being disrupted by e-mail, while its eCommerce offers patchy slivers of opportunities. Singtel is shifting from a pure play telco into a digital technology company. It’s hard for an incumbent business to...

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Multiple Streams of Income

A stocktake of income streams … At age 55, excess funds in CPF after deducting for CPF-RA (to fund CPF-Life)From age 62, Supplementary Retirement SchemeFrom age 65, CPF Life And throughout, complemented by passive income streams from … Savings accounts – interests (<0.5%)Money market funds – interests (0.5-2%)Savings account with special/high yield – interests (1.5-2.5%)Shares – dividends (3-4%)Preference Shares – dividends (4-6%)REITs – dividends (5-7%)Bonds – coupons (4-6%)P2P Loans – interests (12-25%; effective interest is lower due to defaults)Blogging income – click-ads (pathetic) Additional sources with constraints … CPF-OA – interests (2.5-3.5%; subject to policy changes)CPF-SA/RA/MA – interests (4-5%;...

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Multiple Streams of Income

A stocktake of income streams … At age 55, excess funds in CPF after deducting for CPF-RA (to fund CPF-Life) From age 62, Supplementary Retirement Scheme From age 65, CPF Life And throughout, complemented by passive income streams from … Savings accounts – interests (<0.5%) Money market funds – interests (0.5-2%) Savings account with special/high yield – interests (1.5-2.5%) Shares – dividends (3-4%) Preference Shares – dividends (4-6%) REITs – dividends (5-7%) Bonds – coupons (4-6%) P2P Loans – interests (12-25%; effective interest is lower due to defaults) Blogging income – click-ads (pathetic) Additional sources with constraints … CPF-OA...

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No Taxis In Sight

You know taxi companies are in trouble when … – You land at Changi Airport and there’s no taxi available to bring you home. – You try the limousine/Maxicab service and it say no vehicles are available! – When you eventually get into one, the driver seems to have difficulty breathing. – The driver signals right and the signal remains ‘right’ all the way. – You start thinking whether you should take over the wheel? Uber and Grab have reshaped public transportation. [Even if London has chosen to reject Uber.]   – My son decided not to meet us...

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No Taxis In Sight

You know taxi companies are in trouble when … – You land at Changi Airport and there’s no taxi available to bring you home. – You try the limousine/Maxicab service and it say no vehicles are available!– When you eventually get into one, the driver seems to have difficulty breathing.– The driver signals right and the signal remains ‘right’ all the way.– You start thinking whether you should take over the wheel? Uber and Grab have reshaped public transportation.[Even if London has chosen to reject Uber.] – My son decided not to meet us at the airport because surge...

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Losing Weight is an Expensive Affair – Or Not?

There’s somehow this idea that to lose weight, one needs to eat “healthy food” and that costs more. That’s a whole load of crap! Perpetrated by those who want to profit from the ill informed. It’s a matter of eating less (which is actually enough), coupled with exercise. Everything consumed should be in moderation. For the occasional binge, exercise more. A lot more. So if you’re eating less, shouldn’t it cost less? There’s is really no need for all the fads of specialty diets. No need for some miracle “weight loss” chemicals. But I have heard of an interesting...

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Losing Weight is an Expensive Affair – Or Not?

There’s somehow this idea that to lose weight, one needs to eat “healthy food” and that costs more. That’s a whole load of crap! Perpetrated by those who want to profit from the ill informed. It’s a matter of eating less (which is actually enough), coupled with exercise. Everything consumed should be in moderation. For the occasional binge, exercise more. A lot more. So if you’re eating less, shouldn’t it cost less? There’s is really no need for all the fads of specialty diets. No need for some miracle “weight loss” chemicals. But I have heard of an interesting...

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Hitting Rock Bottom

Here’s one advice in a recent article: “… if the stock has hit rock bottom, but is set to rise aggressively, then it is better to just invest a lump sum to take advantage of the rise.” Oh right, that is so obvious. Surely. But … How does one know that the stock has hit rock bottom? Only hindsight can tell. How do you know that it is set to rise? That requires clairvoyance. God mode needed. Conclusion: Got say like never say. Smart sounding piece of utterly useless...

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