Author: Risk N Returns

SingTel Q3 FY2019 Results Highlights

Singapore Telecommunications released their latest quarter results recently. Here are some highlights: All information are sourced from SingTel’s latest quarter presentation and transcript here.   1. Operating revenue increases 1% year on year, all other P&L metrics continue to face pressure Makes for grim reading but nothing unexpected. 2. Free Cash Flow declines 10% y-o-y, net debt and gearing remains stable The free cash flow decline while concerning, is still on course to be able to cover the dividend. 4. Singapore Consumer market remains challenged Mobile revenue down due to competition and decreased voice revenue.   5. Optus, Group Enterprise...

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My thought process in selecting my Masters programme

I’m well into my 6th year in my career and unbeknownst to readers, I’ve been thinking of going back to school to upgrade and specialise my skill set over the past year. The whole thought experiment culminated recently when I accepted a place in a part-time Masters of Science in Accounting (Data & Analytics) (MSA) programme at SMU. As such, it felt like a decent time to document my thought process and hopefully 2 years down the road, I can look back at this post with pride at achieving what I set out to do. Or at least don’t regret...

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Risk N Returns 2.0 Beta

Welcome to my “new” blog! It’s been a busy couple of days. Between visiting relatives and working on migrating my blog from WordPress.com to self-hosting, it’s been hectic. I’m proud to say I’ve mostly successfully migrated my blog to self-hosting (as you can see). The process was confusing at times for someone who doesn’t know much about building websites and coding, but nothing Google and lots of trial and error could not fix. Why migrate you ask? Simply put, WordPress.com is simple to use if you just want a diary to write in, but it places too many restrictions...

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Singapore Savings Bonds (SSBs) Guide – March 2019 Issue

At Risk N Returns, I’m passionate about promoting sensible DIY investing through sharing my thoughts or documenting my investing journey. While I love to take calculated risks, I recognise that most Singaporeans don’t. So here’s a relatively risk free way to invest your warchest or emergency funds with almost no lock-up period and generally higher yields than fixed deposits – the Singapore Savings Bond. I’ll be initiating monthly coverage of this bond going forward. As this is a recurring post, feel free to skip to the interested section using the content hyperlinks below. Contents Latest SSB issue details What...

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Singapore Savings Bonds (SSBs) Guide – March 2019 Issue

At Risk N Returns, I’m passionate about promoting sensible DIY investing through sharing my thoughts or documenting my investing journey. While I love to take calculated risks, I recognise that most Singaporeans don’t. So here’s a relatively risk free way to invest your warchest or emergency funds with almost no lock-up period and generally higher yields than fixed deposits – the Singapore Savings Bond. I’ll be initiating monthly coverage of this bond going forward. As this is a recurring post, feel free to skip to the interested section using the content hyperlinks below. Contents Latest SSB issue details What...

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Singapore Savings Bonds (SSBs) Guide – March 2019 Issue

At Risk N Returns, I’m passionate about promoting sensible DIY investing through sharing my thoughts or documenting my investing journey. While I love to take calculated risks, I recognise that most Singaporeans don’t. So here’s a relatively risk free way to invest your warchest or emergency funds with almost no lock-up period and generally higher yields than fixed deposits – the Singapore Savings Bond. I’ll be initiating monthly coverage of this bond going forward. As this is a recurring post, feel free to skip to the interested section using the content hyperlinks below. Contents Latest SSB issue details What...

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Portfolio @ January 2019

Performance Indicators / DividendsYTD Time weighted return: 5.17% Dividends collected: – Cum-Dividend: Keppel Corp: SGD 195 Capitaland Mall Trust: SGD 59.28 Frasers Property: SGD 186 Getting back to even January has been kind to investors, myself included. A broad-based recovery of most stocks in my portfolio, led by gains in my biggest holdings Fraser L&I Trust, SingTel, Visa Inc and January’s newest addition, Keppel-KBS US REIT, erased my 2018 losses. As mentioned in my previous portfolio update, Keppel-KBS looked interesting on a risk-reward basis. I took the plunge after some research on...

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Portfolio @ January 2019

Performance Indicators / DividendsYTD Time weighted return: 5.17% Dividends collected: – Cum-Dividend: Keppel Corp: SGD 195 Capitaland Mall Trust: SGD 59.28 Frasers Property: SGD 186 Getting back to even January has been kind to investors, myself included. A broad-based recovery of most stocks in my portfolio, led by gains in my biggest holdings Fraser L&I Trust, SingTel, Visa Inc and January’s newest addition, Keppel-KBS US REIT, erased my 2018 losses. As mentioned in my previous portfolio update, Keppel-KBS looked interesting on a risk-reward basis. I took the plunge after some research on...

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Portfolio @ January 2019

Performance Indicators / DividendsYTD Time weighted return: 5.17% Dividends collected: – Cum-Dividend: Keppel Corp: SGD 195 Capitaland Mall Trust: SGD 59.28 Frasers Property: SGD 186 Getting back to even January has been kind to investors, myself included. A broad-based recovery of most stocks in my portfolio, led by gains in my biggest holdings Fraser L&I Trust, SingTel, Visa Inc and January’s newest addition, Keppel-KBS US REIT, erased my 2018 losses. As mentioned in my previous portfolio update, Keppel-KBS looked interesting on a risk-reward basis. I took the plunge after some research on 2 January, so I was kinda lucky...

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Applying the KonMari method to your portfolio

Source: NetFlix Ever since the popular series Tidying up with Marie Kondo hit Netflix on 1 Jan, it sparked an avalanche of self examination among viewers and an endless supply of memes / tweets. The awesome thing about the show is that it brought minimalism to the mainstream spotlight and sparked a decluttering revolution especially in the US. Despite being a hoarder in many ways, watching the show didn’t actually get me thinking about my sty of a bedroom (I’m a horrible person, I know). I actually thought about whether...

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Applying the KonMari method to your portfolio

Source: NetFlix Ever since the popular series Tidying up with Marie Kondo hit Netflix on 1 Jan, it sparked an avalanche of self examination among viewers and an endless supply of memes / tweets. The awesome thing about the show is that it brought minimalism to the mainstream spotlight and sparked a decluttering revolution especially in the US. Despite being a hoarder in many ways, watching the show didn’t actually get me thinking about my sty of a bedroom (I’m a horrible person, I know). I actually thought about whether my portfolio needed decluttering 🤣 The ill-disciplined investor Let’s...

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Applying the KonMari method to your portfolio

Source: NetFlix Ever since the popular series Tidying up with Marie Kondo hit Netflix on 1 Jan, it sparked an avalanche of self examination among viewers and an endless supply of memes / tweets. The awesome thing about the show is that it brought minimalism to the mainstream spotlight and sparked a decluttering revolution especially in the US. Despite being a hoarder in many ways, watching the show didn’t actually get me thinking about my sty of a bedroom (I’m a horrible person, I know). I actually thought about whether...

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SG Electricity Market Guide – Q1 2019

The Open Electricity Market is currently rolling out in phases to Singapore consumers and my home is part of the latest batch of eligible homes in January 2019. So now I can gamble on electricity as well 🤣 As with anything relatively new, I had a lot of questions and a general lack of answers online. Having burnt much of my video gaming time researching this topic, here are my findings and views about choosing a plan. Disclaimer: While I strive to ensure all information below is accurate, I too am human and may mess up from time to...

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SG Electricity Market Guide – Q1 2019

The Open Electricity Market is currently rolling out in phases to Singapore consumers and my home is part of the latest batch of eligible homes in January 2019. So now I can gamble on electricity as well 🤣 As with anything relatively new, I had a lot of questions and a general lack of answers online. Having burnt much of my video gaming time researching this topic, here are my findings and views about choosing a plan. Disclaimer: While I strive to ensure all information below is accurate, I too am human and may mess up from time to...

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SG Electricity Market Guide – Q1 2019

The Open Electricity Market is currently rolling out in phases to Singapore consumers and my home is part of the latest batch of eligible homes in January 2019. So now I can gamble on electricity as well 🤣 As with anything relatively new, I had a lot of questions and a general lack of answers online. Having burnt much of my video gaming time researching this topic, here are my findings and views about choosing a plan. Disclaimer: While I strive to ensure all information below is accurate, I too am human and may mess up from time to...

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