Author: SG Young Investment

The Regrets Of Saving Money For FI vs Spending To Get Happiness

Have you ever struggled with the thought of saving more money for financial independence vs spending to get happiness now? For people like me who are on the journey to financial independence, we often think that if we don’t spend more on some items we wanted to, then we can achieve financial independence earlier. Its always a trade off for saving money vs spending to get happiness. In recent weeks, the conflict of saving money vs spending to get happiness right now is constantly on my mind. It went on into a state of confusion and anxiety as well....

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INVEST Fair 2018 – Coming Soon In August 2018

This article is written in collaboration with ShareInvestor. All views expressed in this article are the independent opinion of SG Young Investment INVEST fair has been a yearly affair ever since I started investing 8 years ago. I attended my first ever INVEST fair at Suntec City many years back and it really opened me up to the world of investments as there are many free talks and also booths around for me to ask any questions which I might have on finance and investment. This year, INVEST fair is back again at Suntec City which will be held from...

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The Nail Of Life – How I Got Out Of Painful Situations in Life

I’ve not been writing much about my life lately as many things happened and I wanted to at least wait for things to settle down before I pen my thoughts down. This will probably be a short post to summarise my life in general. Life is full of ups and downs as always. Readers would know I had a bad year end in 2017 where I saw how fragile life was. It was a struggle for me to understand and digest and accept what happened. You can read about what happened last year here. The start of the year...

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Looking More Closely At Singtel – Is Singtel A Good Investment?

Singtel is really a big company. Its market cap is worth $50 Billion with over 650 Million mobile customers in 21 countries. Singtel was the first stock which I purchased when I started investing. That was probably 8 years ago now. The telecommunication industry is facing some headwinds and all 3 listed telcos share prices have fallen significantly. Singtel took the hit too and many investors added to their position hoping to get good value investing in a stable blue chip company with more than 5% dividend yield. In this article, I will dissect Singtel’s businesses so that we...

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Ascendas Hospitality Trust – An Opportunity To Invest Again

Share prices of various stocks have come down significantly in the past few weeks and this include Ascendas Hospitality Trust (AHT). This has been one of my favourite hospitality trust investment which I bought back in 2014. It has been a 4 years investment now. AHT made some significant developments in the past 1 year which they have summarised in their recent AGM last friday. I wanted to make a trip down but was too busy at work so I couldn’t take time off for this AGM. Nevertheless, I managed to get the slides presented during the AGM which...

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More Financial Assistence For Those Severely Disabled And Additional Information on Careshield Life

Eldershield has been renamed Careshield life with additional enhancements to provide for better long term care financing in the event of disability. I have got some additional information from MOH which I will share in this article. To read up more on the basic of what Careshield Life is about, you can refer to a previous article I wrote here.  This article will focus on:  The premium structure for those who are already on Eldershield and;  Financial assistence for those who are currently disabled and do not have any Eldershield at all. Why the need for the disability income?...

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Relieve Your Financial Burden With This Strategy

Financial planning is always advocated but little has been said about how to really relieve financial burdens in life. What we are mostly taught is to go to school, get a good job, save money and then plan for retirement. This is not wrong and in fact it is a very important first step in financial planning but what’s next? Today, I will attempt to discover a new way of financial planning which will definitely relieve your financial burdens in life. In fact, you’ll realise that this is the way which the government in Singapore has been managing its...

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REITS Are Falling – Will This Continue?

REITS have been falling lately and my portfolio was not spared either. There are a few reasons to this which I will simplify and explain in this article. Investing in REITS have been a favourite among investors due to its income generating feature which provides good dividend income for investors. Typically, we can look at around 5%-7% dividend yield investing in REITS. Will this be sustainable going forward? The Rise of Interest Rates The main reason for the drop in REITS price is due to the rise in interest rates. Why is this rise in interest rates so damaging...

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Long Term Healthcare Cost In Singapore – Are Subsidies Enough?

In a previous article, I wrote about the real issues which people face when having to care for a family member with disabilities at home. You can read the previous article here. Also, as what I have said previously, the purpose is to bring the issues of long term healthcare cost to the government. I have managed to contact the Agency for Integrated Care and Ministry Of Health and I attended a session on the enhanced Eldershield (Careshield life) to learn more about it as well as give my thoughts on the recommendations. In this article, I will dive...

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Should I Get A BTO or Resale Flat?

There are pros and cons of getting a BTO vs a resale flat. In Singapore, a BTO flat is heavily subsidised by the government and we try our luck to ballot for a chance to select a unit. These flats are build to order (BTO) meaning those who managed to get a unit will have to wait about 3-5 years before they can collect the keys to their flat. I would think most people will go for the BTO option first if they have the time to wait. However, even if you have the time to wait doesn’t mean...

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Hear From Financial Bloggers Live At Investors Exchange 2018

The financial blogging community is not a very big one in Singapore. Most of us do know each other in the real world.  This year, you’ll have the opportunity to hear from some of the financial bloggers where they will share about how they invest their personal money and also their journey to achieve financial freedom. My friends at BIGScribe is back with another edition of Investors exchange. Last year, there was one and it was a sold out event. This year, they are making it different. Investors exchange 2018 will feature only bloggers who walk the talk by...

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All About The New Careshield Life (Enhanced Eldershield)

The Ministry of Health just announced last Sunday that there will be another compulsory healthcare scheme which all Singaporeans and PR from the age of 30 to 40 will be automatically enrolled in starting from 2020. In future, everyone who reach 30 years old will be compulsory enrolled in this scheme as well. Currently, all Singaporeans and PR are also insured under the Medishield life scheme which covers for some basic hospitalisation bills. This is also a compulsory scheme. What is Careshield life all about? Careshield life is renamed from Eldershield and is an enhanced version of it. Careshield...

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Will Hyflux Survive?

Hyflux has been the talked of the town among the investing community as they had recently announced the commencement of court supervised process for reorganisation. This is to protect them from creditors as they sort out their debt issues. Shares of Hyflux and its related securities were halted for trading since 21st May 2018. It is unknown what will happen from now. Hyflux was a rags to riches story. However, at this point in time, the rags to riches seem to have overturned. The question is will it survive the crisis and will investors get back their money? In...

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Bitcoin for Gold Exchange

After the craze for Bitcoin and other crypto-currencies, it would appear that the trend is currently in favour of Gold. Indeed, the collapse of crypto-currencies (loss of 70% of the total value of virtual currencies) in recent months and especially Bitcoin which fell below 7 000 USD, encourages investors anxious to preserve their capital to move towards precious metals. But first of all, what is Bitcoin and what is its origin? Bitcoin would have been invented by a Japanese named Satoshi NAKAMOTO in 2009. However, this remains a rumour as many people have proclaimed themselves as the inventors of...

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Why TPG Telecom Is Not A Threat To The Incumbent Telcos In Singapore?

The telecommunication industry is set to change in the near future with the fourth telco, TPG telecom starting business in 2019. However, I don’t think this will be a threat to the incumbents in Singapore and I will tell you why in this post. Previously, I spent 6 years in the telecommunication industry working as a telecommunication engineer. Deploying mobile networks was bread and butter for me and I know this industry inside out including the challenges of setting up base stations all around Singapore just to provide the coverage that is needed. TPG Telecom announced on 19 March...

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