Author: New Academy of Finance

Generating “risk-free” returns using SRS and the art of withdrawal

Supplementary Retirement Scheme (SRS) Plenty has been written on the Supplementary Retirement Scheme (or SRS for short). This is a voluntary scheme that complements one’s CPF savings for retirement. You can contribute any amount to your SRS account, subject to a cap of S$15,300 for Singaporeans and $35,700 for foreigners, as many times as you […] The post Generating “risk-free” returns using SRS and the art of withdrawal appeared first on New Academy of...

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Best commodity asset of the decade and why Bitcoin might prosper in 2020

I came across this pretty interesting diagram from visualcapitalist aptly called The Periodic Table of Commodity Returns. Its a really fancy table with a myriad of colours that caught my attention. The table basically depicts the annual returns of the key commodities over the past decade. I was interested to find out which was the […] The post Best commodity asset of the decade and why Bitcoin might prosper in 2020 appeared first on New Academy of...

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Dividend Yield Theory – the Underappreciated Valuation Tool

Most of you would have heard of dividend growth investing, buying companies with a good track of growing their dividends. This is a solid way to grow your income over time. However, buying a dividend-growth company can turn out to be a “bad investment” if one grossly overpay for it. So how does one determine […] The post Dividend Yield Theory – the Underappreciated Valuation Tool appeared first on New Academy of...

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Top 5 analysts of the decade and their current favorite stocks

I follow this website called TipRanks from time to time when I am running dry of stock ideas. TipRanks is a fintech website that tracks and measures the performance of the stock rating issues by over 6,000 Wall Street Analysts. According to their records, the 25 best performing analysts had a success rate of 67.6%, […] The post Top 5 analysts of the decade and their current favorite stocks appeared first on New Academy of...

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Is drinking Latte really costing you $1 million and the chance to retire well?

Can we enjoy our Latte and still retire well? If you are like millions of people around the world who spend a $5-6/day, 5 days a week, on a nice cup of latte, is that an act of financial irresponsibility that could potentially derail your retirement plans? Well, depends on who you ask that question. […] The post Is drinking Latte really costing you $1 million and the chance to retire well? appeared first on New Academy of...

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Inflation: Don’t ignore this silent retirement killer

Not much has been written about Inflation. However, it is one of the Four Key unknowns that affect one’s retirement plan. Granted that inflationary pressure has been low in the past decade. However, having a complacent mindset with a low inflation assumption baked into one’s retirement calculation might be a recipe for disaster. Compound Interest […] The post Inflation: Don’t ignore this silent retirement killer appeared first on New Academy of...

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December Portfolio and Net Worth Updates

NET WORTH UPDATES – Dec 2019 Net worth updates December 2019 – $1.233m (+1.9%) Hi all. Welcome to New Academy of Finance portfolio and net worth report! Coming to the last month of the year and into the 4th month of my sabbatical, I am still treading this whole new financial journey with a certain […] The post December Portfolio and Net Worth Updates appeared first on New Academy of...

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Dimensional Funds: Are they worth their weight in gold?

I have written about Robo-advisors on a number of occasions. The advent of Robo-advisors here in Singapore provides an additional option for Singaporeans to start their investment journey with a low capital requirement (a minimum amount of $1k can usually get you started). I do believe that Robo-advisors are good investment platforms for the typical […] The post Dimensional Funds: Are they worth their weight in gold? appeared first on New Academy of...

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The Recession-Proof Portfolio that wins in ALL scenarios

We have written in a previous article why a 60:40 equity to bond portfolio composition (Portfolio 1) isn’t the ideal structure for a retirement portfolio using the 4% withdrawal rule. Instead, we suggest using a portfolio structure that consists of 20% equity, 20% bond, 40% REITs and 20% Gold (Portfolio 2). In this article, we […] The post The Recession-Proof Portfolio that wins in ALL scenarios appeared first on New Academy of...

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Warren Buffett’s “stupidity” and the opportunity loss

Before all the Warren Buffett’s fans out there start stoning me, these are Warren Buffett’s own words pertaining to a particular loss opportunity: “In the earlier years, it’s very clear – the answer is stupidity” Warren Buffett What was this pertaining to? He was actually referring to his decision NOT to invest in Microsoft in […] The post Warren Buffett’s “stupidity” and the opportunity loss appeared first on New Academy of...

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Why 60:40 equity/bond allocation isn’t the ideal structure for a 4% withdrawal rule portfolio

Creating the ideal 4% withdrawal rule portfolio I believe that some of you would be familiar with the 4% retirement rule. In a simple nutshell, this is the amount of money you might withdraw each year from the starting value of your portfolio of stock and bonds in retirement and not risk running out of […] The post Why 60:40 equity/bond allocation isn’t the ideal structure for a 4% withdrawal rule portfolio appeared first on New Academy of...

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The Confusing Math behind Retirement Sum Scheme aka CPF LIFE predecessor

I tried to calculate the math behind the Retirement Sum Scheme and unfortunately, that did not work out for me. I hope that some expert can enlighten me on that. But before I dive into the details, below is a quick summary of the Retirement Sum Scheme and its successor, CPF LIFE. For those already […] The post The Confusing Math behind Retirement Sum Scheme aka CPF LIFE predecessor appeared first on New Academy of...

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10 Great Reasons for REITs inclusion in your Portfolio and 3 Reasons to be cautious

I have written previously on why I am still purchasing REITs despite them looking expensive. I am going to add to that article with 10 great reasons why REITs should remain as a key asset in your portfolio. I touch on topics such as why some triple net leases are not “ideal”, which are the […] The post 10 Great Reasons for REITs inclusion in your Portfolio and 3 Reasons to be cautious appeared first on New Academy of...

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10 great investing blogs/ websites to read

Following the closure of the Motley Fool Singapore, Singaporeans now have one less website to visit for their stock inspiration. The Dollar and Sense team have previously put up a list of 13 local websites that continue to offer Singapore investors quality stock insights and commentaries. Unfortunately, the New Academy of Finance doesn’t make the […] The post 10 great investing blogs/ websites to read appeared first on New Academy of...

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Top 10 places to work in Singapore for 2020

Glassdoor, a website where current and former employees anonymously review companies, just announced the Top 10 best places to work in Singapore for 2020. Unfortunately, no local firms made the cut. All the top Singapore employers of 2020 are international firms. 8 of the leading 10 are headquartered in the US, one in the Netherlands and one in HK. “This year’s winners stand out for promoting transparency with employees, offering career growth opportunities and providing work driven by impact and purpose” Christian Sutherland-Wong, Glassdoor president The top 10 shortlists are based on anonymous feedback from employees who submitted reviews...

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