Author: Risk N Returns

Is it responsible to have many kids?

Over the weekend, Channel NewsAsia published an article on the Hengs – a family with 7 kids and living on less than $3,000 per month. The article’s comments section largely revolved around the view that having that many children, and still wanting to have more if he were to do it again, was a irresponsible thing to do. The debate intrigued me. As a topic vaguely related to personal finance, I thought I’ll examine the topic here, through the various lenses of Financial Responsibility, Social Responsibility and Family Responsibility. 1) Financial Responsibility This aspect is the most clear cut...

Read More

P2P lending tuition fees

I’ve mentioned previously that I had some money on the crowdlending site MoolahSense. Not very significant, but still a sum of money. I had hoped to peacefully experience the platform, learn the ins and outs and most importantly, get my money back. One thing I’ve learnt through my career is that – Life never goes as planned. Welp, time to write off my Moolah Of my initial investment of $2,000, I received $733.44 of repayments. If I were to write off the balance of the loan, that would represent a 63.3% loss. So what can we learn from my $1.3k...

Read More

Scuttlebutt Report: Tianjin Eco City Visit

Regular followers of my portfolio would know that I am vested in Keppel Corp since the oil crash of 2015. I have divested some this year, but it still remains a part of my portfolio. The general perception of Keppel Corp is that it is mainly a company that constructs oil rigs and is highly correlated to the fate of the oil industry. Less is talked about its property or infrastructure division. And for good reason, as traditionally it’s a main driver of net profit.   Source: Keppel Corporation Annual Report 2017 With the decline in O&M profits, Property...

Read More

Frasers L&I Trust preferential offering results

Greetings from Tianjin! I’ve been busy these 2 weeks as I’m currently on a work trip, so no regular content last weekend. Chilling in my hotel room at the moment so I decided to give a quick update on my portfolio. The Frasers Logistics and Industrial Trust PO results are in! As expected, I didn’t get all the excess rights I subscribed to: Total units applied: Entitlement: 1,500 units Excess application: 6,100 units Excess Units received: 1,400 I currently do not know the status of 100 units of excess that I applied through another broker, but I’ll write off...

Read More

Portfolio @ May 2018

Before I begin with my regular portfolio review, I would like to welcome the 7 email followers who subscribed after my last post on CPF Hacks. That single post garnered over 10k views, almost doubling the blog’s lifetime views over the course of a few days. Thank you for your support of this tiny blog and letting me know that I’m writing something worth reading. Here’s my portfolio as the end of May 2018: Committed cash relates to funds used for the Fraser’s L&I Trust PO Performance Indicators / Dividends YTD Time weighted return: 0.33% Dividends collected: $917.76 Upcoming Dividend...

Read More

CPF Hacks you should be aware of

The CPF scheme was originally conceived as a Government assisted retirement contribution scheme. However, over years of reading blogs, you come across interesting ways people use it to achieve certain outcomes. Here’s a collection of my favourite CPF Hacks that I feel everyone should know about. Credits: Some of the ideas originate from A Singaporean Stocks Investor (ASSI), a veteran financial blogger who believes that CPF should be the cornerstone of your retirement. Basic Hacks 1) When you contribute matters Contributing in January or in December in any given year affects the eventual amount of interest you receive at year...

Read More

Don’t Freeze

I have always maintained that I suck at trading and timing the market. That said, from time to time, intense short term pain in the markets sometimes compel me to think about making a high percentage trade. Recent volatility in the Singapore stock market presented some opportunities for me to do just that. This blog covers mostly the actions I did take, so a story of how I sat on my fingers might be useful learning too. Venture Corp (SGX:V03) Venture Corp is Singapore’s largest contract manufacturer. It is the most recent addition to the STI. Venture has been...

Read More

Malaysia Boleh, Malaysia stocks Tak Boleh?

In the wake of the tsunami that swept the Malaysian opposition alliance Pakatan Harapan and Dr Mahathir to power, the iShares MSCI Malaysia ETF promptly tanked 6% in US trading to close near to its 1 year low. Source: Yahoo Finance The investor in me started to click into gear. Putting aside all the political rancor and name calling, what does this earth shattering election mean for Malaysia businesses and equities? Is it time to buy? Personally, I usually don’t follow Malaysian politics too closely, but here are some of my initial ignorant thoughts / ramblings. What Mahathir and...

Read More

Malaysia Boleh, Malaysia stocks Tak Boleh?

In the wake of the tsunami that swept the Malaysian opposition alliance Pakatan Harapan and Dr Mahathir to power, the iShares MSCI Malaysia ETF promptly tanked 6% in US trading to close near to its 1 year low. Source: Yahoo Finance The investor in me started to click into gear. Putting aside all the political rancor and name calling, what does this earth shattering election mean for Malaysia businesses and equities? Is it time to buy? Personally, I usually don’t follow Malaysian politics too closely, but here are some of my initial ignorant thoughts / ramblings. What Mahathir and...

Read More

A frontline view of Corporate Restructuring

I have been pretty busy the past few weeks as work started to ramp up. This is due to my company’s restructuring process starting to reach it’s conclusion and the organisation starting to click back into gear. It is partly why I only post on weekends now. While I am happy to report that I still have a role in the company, I am saddened to see the amount of experience being let go from my department. Having worked for 5 years now and only in my 2nd job ever, having to experience a corporate restructuring this early in...

Read More

A frontline view of Corporate Restructuring

I have been pretty busy the past few weeks as work started to ramp up. This is due to my company’s restructuring process starting to reach it’s conclusion and the organisation starting to click back into gear. It is partly why I only post on weekends now. While I am happy to report that I...

Read More

Portfolio @ April 2018

Performance Indicators / Dividends YTD Time weighted return: 0.66% Dividends collected: $388.69 Upcoming Dividend Receipts: Frasers Commercial Trust: SGD 92.80 Capitaland Mall Trust: SGD 105.64 Starhill Global REIT: SGD 109 Keppel Corp: SGD 182 Raytheon Co.: USD 15.19 Activision Blizzard: USD 14.28 Commentary After suffering a pretty horrendous March, the chase is on to recover all those paper losses. In that sense, it was a decent month with month-on-month gains of about $3k driven largely by gains in Amazon and...

Read More

Portfolio @ April 2018

Performance Indicators / Dividends YTD Time weighted return: 0.66% Dividends collected: $388.69 Upcoming Dividend Receipts: Frasers Commercial Trust: SGD 92.80 Capitaland Mall Trust: SGD 105.64 Starhill Global REIT: SGD 109 Keppel Corp: SGD 182 Raytheon Co.: USD 15.19 Activision Blizzard: USD 14.28 Commentary After suffering a pretty horrendous March, the chase is on to recover...

Read More

Lessons from Amazon’s Annual Letter 2017

As you may know, I’ve been following Warren Buffett’s Annual Letter to Berkshire Hathaway shareholders since I started investing for the nuggets of wisdom Buffett offers freely. Apparently, Amazon’s CEO Jeff Bezos does the same thing with his annual letter to shareholders, which was released in the past week. The letter has been touted as...

Read More

Lessons from Amazon’s Annual Letter 2017

As you may know, I’ve been following Warren Buffett’s Annual Letter to Berkshire Hathaway shareholders since I started investing for the nuggets of wisdom Buffett offers freely. Apparently, Amazon’s CEO Jeff Bezos does the same thing with his annual letter to shareholders, which was released in the past week. The letter has been touted as a must read for business executives as it offers a view of Bezos’ management style and philosophy. Curious about what he had to say (and because I’m vested in Amazon now), I read the 6 page letter and here are some learning points. Keeping...

Read More

Like us on Facebook

Follow us on Twitter