Author: SG Young Investment

New Temasek 2.7% bond for retail investors – Should you invest in it?

It has been awhile since I blog as I’ve been quite busy with my new job as well as other things in life. I didn’t really have much time to look at investments lately and have not made any new investment decisions for the past 1 month. However, there are new developments in the investment world which I thought is a good time for me to write about this new bond in the market which will surely be quite popular. Temasek has just launched a new bond which offers 2.7% fixed interest and matures in 5 years. This is...

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My 3 days on Genting Dream Cruise – All inclusive Dream Palace Suite experience

I took the opportunity to go on a cruise with my family. This was my first cruise experience and it was on the Genting Dream Cruise. Many of you may have went on Star Cruise before which is also by the Genting group. Dream cruise is the new addition to their cruise fleet.   Dream cruise has the all inclusive dream palace suite experience. I booked the Palace deluxe suite and was entitled to the special suite experience which includes 24 hour butler service, exclusive dining at speciality restaurants, premium beverage package and even wifi was provided. Dream palace...

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A Good Break Before My New Work Starts And A Random AMA session

Time flies… just like that, its my last day of work in my second job of my career. I stayed in my first company for 6 years and move on to my current role for close to 2 years before moving to another new role again. This is a job I am quite looking forward to as it will be meaningful from what I heard during my interview. However, I also expect it to be stressful as this is a newly set up department and I’m the first one to be hired for this new role. I will have...

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Reaching This Savings Amount Will Enable You To Stop Saving For The Rest Of Your Life

Saving the first $100K is a hurdle that once we achieve it, our life gets easier because of the compounding effect. There is another savings target which if we achieve that early in our lives, we can actually stop saving for the rest of our lives and still be able to retire quite comfortably. So what exactly is this amount? In this post, I will show why saving that amount will enable us to stop saving indefinitely and how we can save up that amount in the first place? Let’s start off with a chart which gives an overview...

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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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