Author: Risk N Returns

REITs vs SG Investment Properties – 7 reasons why REITs are better

As Asians and Singaporeans, we traditionally favour investments that are more tangible and brick-and-mortar. This is evidenced from the enduring popularity of property as a form of investment compared to stocks, bonds or even Real Estate Investment Trusts (REITs). These investments are viewed as complicated and difficult to understand, and are shunned as a result. Today, I shall make the case for why I feel REITs are superior compared to investment properties as a form of property investment. The REIT Supremacy 1) Yields Private residential rental yields have been on a downtrend due to excess supply in the market...

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REITs vs SG Investment Properties – 7 reasons why REITs are better

As Asians and Singaporeans, we traditionally favour investments that are more tangible and brick-and-mortar. This is evidenced from the enduring popularity of property as a form of investment compared to stocks, bonds or even Real Estate Investment Trusts (REITs). These investments are viewed as complicated and difficult to understand, and are shunned as a result....

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Tax Filing Reminder!

Tax season is ending soon so here’s a quick reminder to do the following by 18 April 2018: Access IRAS myTax portal and open your form B/B1 Check your employment income and adjust if necessary. If your employer is on the Auto-Inclusion Scheme, your employment income data should already be updated in the system. Investors in Crowdlending platforms like Moolahsense should remember to include their interest income in the filing. Check your personal reliefs and other deductions like donations. If you need assistance on which reliefs you can claim, I refer you to part 1 and part 4 of my tax...

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Tax Filing Reminder!

Tax season is ending soon so here’s a quick reminder to do the following by 18 April 2018: Access IRAS myTax portal and open your form B/B1 Check your employment income and adjust if necessary. If your employer is on the Auto-Inclusion Scheme, your employment income data should already be updated in the system. Investors in Crowdlending...

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Portfolio @ March 2018

Performance Indicators / Dividends YTD Time weighted Return: 3.03% Dividends collected: $244.20 Upcoming Dividend Receipts: Bank of America: USD16.80 Activision Blizzard: USD14.28 Keppel Corporation: $322 Commentary March has been another volatile month in the markets. With trade war fears, Facebook’s woes and Trump’s war on Amazon, it was a pretty bad month for me. All in all, I’ve round tripped my 2018 gains and then some. That said I’m looking to build more income into my portfolio using my newfound knowledge from the Dividend Machines course, so I’m continuing to save and build up my cash reserves. Transactions-wise, other...

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Portfolio @ March 2018

Performance Indicators / Dividends YTD Time weighted Return: -2.26% Dividends collected: $244.20 Upcoming Dividend Receipts: Bank of America: USD16.80 Activision Blizzard: USD14.28 Keppel Corporation: $322 Commentary March has been another volatile month in the markets. With trade war fears, Facebook’s woes and Trump’s war on Amazon, it was a pretty bad month for me. All...

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Dividend Machines Impressions

Earlier this year, some of the major finance bloggers like AK (A Singaporean Stocks Investor), Budget Babe and Investment Moats promoted a investment membership named Dividend Machines. Membership was opened for a limited time only till mid March and membership fees for a lifetime basic member was set at a few hundred dollars, which was...

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Dividend Machines Impressions

Earlier this year, some of the major finance bloggers like AK (A Singaporean Stock Investor), Budget Babe and Investment Moats promoted a investment membership named Dividend Machines. Membership was opened for a limited time only till mid March and membership fees for a lifetime basic member was set at a few hundred dollars, which was pretty cheap for a investment course + education platform. It was promoted as a no nonsense, minimal upsell course with real knowledge being taught. As somebody who was largely self taught, learning a structured method has always appealed to me. At the same time,...

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Personal tax planning 4 – bringing it all together

Welcome to the final part of my basic personal income tax planning series! In this series of posts I hope to cover the following topics: Tax reliefs CPF Cash Top Up Supplementary Retirement Scheme (SRS) Bringing it all together – How to best utilise these reliefs to your advantage In this part, I will cover the considerations and general strategy I use to mitigate my personal tax bill. General Strategy The general strategy for tax planning is as follows: Maximise your family support reliefs Once those are maxed out, consider if further tax mitigation is necessary using retirement support...

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Personal tax planning 4 – bringing it all together

Welcome to the final part of my basic personal income tax planning series! In this series of posts I hope to cover the following topics: Tax reliefs CPF Cash Top Up Supplementary Retirement Scheme (SRS) Bringing it all together – How to best utilise these reliefs to your advantage In this part, I will cover...

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The curious case of the Spotify direct listing

Once in a while, unusual and fascinating things happen in the financial markets. Spotify, a popular music streaming company, filing for a direct listing (instead of a traditional IPO) of its shares on the NYSE certainly qualifies. Given the uniqueness of this listing, I shall disregard my usual “An Unbalanced View” format for IPOs in favour of a more deep dive analysis of this listing. The Basics Spotify is a music streaming service founded in Sweden by CEO Daniel Ek and Martin Lorentzon in 2008. It is currently the world’s largest music streaming service with 159 million monthly active users (MAUs),...

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The curious case of the Spotify direct listing

Once in a while, unusual and fascinating things happen in the financial markets. Spotify, a popular music streaming company, filing for a direct listing (instead of a traditional IPO) of its shares on the NYSE certainly qualifies. Given the uniqueness of this listing, I shall disregard my usual “An Unbalanced View” format for IPOs in favour of...

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Personal tax planning 3: Supplementary Retirement Scheme

Welcome to part 3 of my basic personal income tax planning series! In this series of posts I hope to cover the following topics: Tax reliefs CPF Cash Top Up Supplementary Retirement Scheme (SRS) Bringing it all together – How to best utilise these reliefs to your advantage In this part, I will cover how contributing to your SRS account can be used as a tool to mitigate your tax bill. Here’s a brief introduction to SRS. What is SRS? SRS is a government initiative to complement the CPF system and incentivise Singaporeans and PRs to save and invest...

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An Unbalanced View: Ayondo Ltd

It’s been a while since a SGX IPO caught my eye as most SGX IPOs are, honestly, pretty boring (Yet another REIT IPO anybody? No?) So when you hear of a fintech company filing to list here (which is pretty rare), you just gotta dive into it. Here’s An Unbalanced View of Ayondo Ltd. Ayon-who? Ayondo Ltd is a fintech company headquartered in Germany. It is looking to float 80.77 million shares on the Catalist board, of which 8.9 million are available for public subscription. This represents roughly 16% of total shares in the company after the IPO closes....

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Personal tax planning 2: CPF Cash Top-up

Welcome to part 2 of my basic personal income tax planning series! In this series of posts I hope to cover the following topics: Tax reliefs CPF Cash Top Up Supplementary Retirement Scheme Bringing it all together – How to best utilise these reliefs to your advantage In this part, I will cover how topping up your CPF can be used as a tool to mitigate your tax bill. As mentioned in Part 1, there are 2 ways to top up your CPF to obtain reliefs: Top up your / your family member’s Special Account (SA) / Retirement Account...

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