Author: Lynn Han

My REITS Symposium 2018 Experience

Dear reader, How was your weekend? One of my weekend highlights has been to attend the 4th REITS Symposium 2018 hosted jointly by REITAS and ShareInvestor. Disclaimer: Thank you very much to team Seedly for the ticket! (Now a subsidiary of cashback website Shopback, which happily gives me more reason to shop online ) If you’re interested in viewing some of the presentation slides, do check out YieldSavvy’s compilation here: BHG Retail Reit (BMGU), EC World Reit (BWCU), Frasers Cpt Tr (J69U), ManulifeReit USD (BTOU), OUE Com Reit (TS0U), OUE HTrust (SK7), REITs updates Personally, I enjoyed speaking to the investor relations team of the S-REITS I’m...

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We All Run Our Own Races

Dear reader, It’s been a while since I’ve last written. How are things? I do apologize for the lapse in writing. It’s been a pretty packed, albeit fruitful semester at school. It didn’t help that I stretched myself by taking on a few leadership roles in a couple of modules and projects. Phews! Still, I’m glad things are winding down. Soon it’ll be the much-awaited June holiday break! 🙂 Thought I’d stop by and pen down a couple of thoughts after completing my first marathon, although some might say it was just a fun run at 5KM. This year,...

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Get Highest Return for Lowest Risk?

Dear reader, I see that look of skepticism in your eyes. Allow me to explain. Too good to be true? Any investment’s risk-return ratio has traditionally been generalised as either: ‘High risk, high returns’ OR ‘Low risk, low returns’. Over time, with increasingly sophisticated investors and hence, increasingly diverse and complex financial products, financiers began to plot these products across a risk-return trade-off map, of the traditional returns products would generate in return for risk. How does one understand this? By going back to basics. Exactly how do you determine returns? That’s easy. For most financial instruments, the Return...

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[Week 1] My Postgraduate Experience

Dear reader, School has officially started for me. The irony is not lost, that after nearly three years of teaching – the tables have turned. I’m now on the opposite side of the classroom as a student. Oh, the irony. After the orientations and meeting of new friends, my cohort is settling nicely into the momentum of long classes, the flurry of readings and assignments and becoming first-hand witnesses of the little gaps in classroom instruction and school life. (E.g. we’re pretty that assignment slide wasn’t included in the pre-lesson preparation package…) So now we’d have to complete the task...

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2017 Taught Me A Life Lesson

Dear reader, Happy New Year 2018!???? Hope the first few days of the week has been kind.☺️ Have you started on your new year’s resolutions? (Have you already broken them?????) I spent my weekend thoroughly enjoying myself reading the various annual reviews of Singapore’s leading financial bloggers.???? Some were personal, some were detailed, some noted key milestones and some highlighted things to look forward to in 2018.???? My own 2017 has been truly amazing – one of the best years of my life yet. (hey, I started this blog, didn’t I?) I thought about sharing my updated net-worth (absolutely...

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2018 Theme: A Year of Learning

Dear reader, こんばんは (Good evening! in Japanese) ???? As I begin my postgraduate studies this December, I am, once again, impressed by the importance of lifelong learning.  A quick Wiki search yields the following definition: Lifelong learning is an “ongoing, voluntary, and self-motivated” pursuit of knowledge for either personal or professional reasons. That one should learn, consistently and independently for private or work-related reasons is intriguing because it demonstrates adopting a mindset of kaizen or ‘改善’. Getting better, every day! In essence, it is a Japanese life philosophy embracing ‘continuous improvement’ as the kanji words (or Chinese characters) signify. And improvement can...

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Interview with Professor Fong Wai Mun, NUS Business School

Give a man a fish, and you’ll feed him for a day. Teach a man to fish, and you’ve fed him for a lifetime. -Confucius Dear reader, Long time no see. It’s finally the school holidays and after nearly a month’s hiatus, I now have some free time to sit back, reflect and pen down my thoughts in this ol’ writing spot of mine. Post-exam season, I came to reflect upon an old proverb: Give a man a fish, and you’ll feed him for a day. Teach a man to fish, and you’ve fed him for a lifetime. The gist of the saying is: Give a man the answer to his problems, and he’ll...

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I Studied An Entire MBA In One Course

Dear reader, So I did it. I finished a Masters of Business Administration (MBA)* programme. Woohooo! To clarify, I finished *An Entire Masters of Business Administration (MBA) In One Course! Why does it matter? Well, the Master of Business Administration (MBA) program has traditionally been recognised as a master’s degree program that concentrates on refining general management competencies with an emphasis on business skills, such as accounting or employee relations. Source: In short, the MBA is seen as a step-up from your average bachelor’s degree. MBA candidates are generally a motley crew of the following: employees earmarked for leadership, working professionals who...

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Am I Financially Free?

Dear reader, Here’s a thought that occurred to me recently: Am I financially free????? According to Robert Kiyosaki (author of Rich Dad, Poor Dad), Financial freedom is much more than having money. It’s the freedom to be who you really are and do what you really want in life. Awash with cash! Of course, this means that there is no fixed definition of financial freedom. Everyone has a different idea of who they really are and what they really want in life. With that, here is why I consider myself financially free (for now, by God’s grace!) First, the...

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Top 5 Lessons from Shares Investment Convention 2017

Disclosure: Many thanks to Seedly for generously granting me access to the convention 🙂 Dear reader, It’s been a while. Sorry for the hiatus! It’s finals season and work has been pretty intense with all the extra consultations, revision and exam prep going on. Thankfully, there was time to catch the Shares Investment Convention 2017 over the weekend 😀 In an effort to distill the speakers’ presentations and crystallize personal insights, I present to you – My Top 5 Takeaways from the convention!✨ 1. How To Separate The REIT from the Chaff David Kuo of The Motley Fool speaks about...

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Pay Budget, Fly Business Class!?

Disclosure: While I am unaware of the full processes behind the travel hacking system below, I do trust my friend’s word and will duly be sitting on such a flight in the future. — So recently, my friend made an outstanding claim with regards to travelling overseas: He pays budget ticket prices to fly business class on an established, national airline. My reaction, to say the least. Our conversation went something like this: Evidently, I have been shortchanging myself travelling the way I do. Who else gets to book last minute tickets, pay budget prices and fly business class with lounge...

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Returns on Education

What’s the Return On Investment (ROI) for Education? Hang tight, cause this one’s going to be a doozy. Having graduated and entered the working world four incredibly short years ago, education has always been at the back of my mind. Of course, it helps being a teacher too ???? Having spent most of my formative years in school (from age 5 in kindergarten till 23 in university), it’s safe to say that most Singaporeans can attest to my experience and the familiarity of growing up as students on the island (after all, primary school education is compulsory in the...

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Turning failures into a success story

Disclosure: The following post is inspired from the recently published book: ‘Why You Should Fail – Practical Wisdom from Twenty-Three of Singapore’s Top Entrepreneurs’, co-authored by Grace Lin and Vincent Ng (2017). Full Disclosure: I’ve known Grace since meeting her in SMU and also contributed to this publication by introducing 1 of the 23 featured bosses from the local scene to her. When the book launched, no questions were asked. I reached for my credit card and went all: Take my money! Here’s the book! As you can see, it’s already beginning to show signs of wear and tear...

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Asset Allocation: Plan A or B?

Dear reader, Sometimes the world of investments can be quite overwhelming. (This is me just trying to figure out our CPF, for instance.) With the plethora of financial instruments availed to us at the click of a button these days – Singapore Savings Bonds! IPOs! Crypto! Equities! CFDs! Options! Property! REITs! And if you have extra cash…wealth management banking services! Accredited Investor privileged access! (which comes with its own set of eyebrow-raising risk/reward ratios) It can be difficult to sieve through the intricacies of each asset class, filtering out the diamonds in the rough (assuming you find any), before...

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One Year Project: A Letter To The Future

What would the future me say? Dear reader, Exactly one year ago, I wrote down a little message to my future 27 year-old self at a Central Provident Fund (CPF) roadshow: Save Early For Retirement One year later, I could only gape at the short, army-green note – trying to recollect exactly when and where I could have written such a poignant memo to myself. You see, I’d been a busy accounting and business teacher over the past two years, and writing about managing finances for the long-run never had been part of the 2016/17 masterplan…planning finances for my...

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