Author: SG Young Investment

The Japan story – Croesus retail trust and Saizen Reit

Croesus retail trust and Saizen Reit have been two of my favourite investments since day one. One is a business trust while one is a real estate investment trust. One owns shopping malls while the other owns residential properties. What do they have in common? They are both from Japan. The investments in these two companies have proved to be a good one. Recently, the stock price of these two companies went up one after the other. Croesus Retail Trust Saizen Reit My first write up on investing in Japan is here: Looking to invest in Japan’s real estate This...

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Planning retirement for my parents

Readers who read my blog would know that i’ve been researching and writing on issues related to CPF for the past 1 week. As mentioned in my previous post, CPF is for retirement. My post on CPF was also mentioned in a blog post by Singapore’s manpower minister. It is a surprise that my blog has reached to greater audiences out there. In planning for retirement, we cannot forget that there is such thing called the CPF. This is part and parcel of what we have as Singaporeans.   Thus, i decided to take a look at both my Dad’s and my...

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Queries on CPF minimum sum – Pledging your property

There has been much discussions on the comments section of my previous post: All about CPF minimum sum and CPF life. A reader named NV volunteered to write to CPF with regards to the issue on pledging your property. There was a concern that if you did not meet the minimum sum which is $155,000 from July 2014, then you may not be able to pledge your property to 50% of the MS and withdraw the balance. You can only pledge to make up for the shortfall. For example if you have $100,000 in your OA and SA, you can...

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All about CPF minimum sum and CPF life

Is increase in minimum sum a bad thing? There has been much discussions on the CPF minimum sum recently again. The CPF minimum sum will be raised to $155,000 from July 2014. This amount has been raised consecutively for at least the past 10 years. From $80,000 in 2003 to $155,000 in 2014. Of course, people will naturally be unhappy since they realised that the amount they can take out from their CPF becomes lesser and lesser. If you do not meet the minimum sum, you can only take out a maximum of $5000 from your CPF. I’m only...

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Yongnam reports a marginal loss of S$1.9 Million in 1QFY2014

Yongnam just released their Q1 financial results and as expected, it’s a bad report. For the rest of FY2014, Yongnam is still expected to report this kind of financials. Any contracts they are awarded now will only be reflected in their books from the second half of FY2014. Q1 revenue fell 12.4% which results in a marginal loss of S$1.9 Million. Yes, its a loss. I wrote in an earlier blog post that Yongnam’s full year financial results for FY2013 fell by 49.7% as compared to FY2012. This resulted in it share price falling along in tandem as well....

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The art of balancing motives and making money

Achieving balance is not easy. Most of the time, we’ll tend to lean more to one side. Whatever we do, there is always a motive behind it. Good or bad, there is a motive. I’m in my last semester of studies and surprisingly the module is on policy. This was an elective module which is very different from the econs and finance modules i’ve been taking. I have to study the motives behind the policies that the government makes and how they balance social and economic motives. It’s an arts major module. Social justice or economic prosperity? There is...

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Book review: Winning Psychology of Defensive Traders

I have just finished reading the book titled Secret psychology of defensive traders by Conrad Alvin Lim. Adam Khoo learning technologies group (AKLTG) contacted me and they were kind enough to give a complimentary copy of the book to me. I’ve read a few other books by Conrad and Adam Khoo seperately and its always inspirational to me. I came to know AKLTG as an organisation 3 years back when I just started out my investing journey. I was searching on the internet to find if there were successful investors or traders in Singapore. That’s where I stumbled upon...

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5 Tips for Selecting the Best Private Student Loan Lender to Help Pay for College [Guest Post]

With so many tutoring jobs emerging in Singapore, many people are hiring a home tutor in Singapore to prepare for tricky entrance exams to get admission into the top colleges. And once you get into the college of your choice, worries of arranging finances for college start creeping in. Here’s telling you the 5 most essential tips on selecting the best private student loan lender to help you pay your for college. When considering a private student loan, make sure you carry out a comprehensive research on all private student loan options available to you and compare each one...

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Managing money as a couple

When you’re single, it is easy to manage your money. When you get married, it may be a little more difficult as you and your spouse’s views on money may be different. How much should each person contribute to the household? How to budget household expenses and eliminate overspending? These may be some questions you would ask yourself. Before you get married, you would have your own bank account for your own savings. Let’s say your bank account is the circle A below. Similarly, your wife or husband also has his or her own bank account. Let’s put your...

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Financial planning with your needs and wants

This post is inspired by an article I came across on Yahoo finance titled: “How one woman paid of $23,000 debt in 15 months.” Instantly when I read the article, I knew those were proven strategies for financial planning. Using these strategies, your financial state will be definitely much healthier. The strategy is simple: just list down your needs and your wants. Try doing this if you want to improve your financial future. What are your needs? You probably know what are your basic necessities for survival. Utilities bills, handphone bills, basic groceries, cheap food and transport(bus & train)...

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Investing during a market crash

I haven’t been blogging on my investments for a couple of weeks now. Other than the many company annual reports which filled up my letter box, the market has been rather uninteresting of late. My investments have been status quo with no additional buying or selling done.  Somehow I’m waiting for the market to go lower for more buying opportunities. If the market crashes, it’s even better since i’m not even heavily invested in the first place. Buying during a market crash may be the best way to make money in the stock market. But how many people actually...

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First time lunch experience at Tim Ho Wan

I’ve long heard of Tim Ho Wan for its famous dim sum when its first opened the first outlet at Plaza Singapura around last year. Tim Ho Wan is a popular Michelin starred Dim Sum restaurant in Hong Kong. Singapore is its first overseas outlet. I heard people queued for as long as 3 hours just to get seated in the Plaza Sing outlet when it first opened. I was quite put off by the long wait so i thought now would be a good time to go there since it already has 4 outlets in Singapore and probably...

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Getting the Courage to Invest—Taking Calculated Risks [Guest Post]

French novelist André Malrauxonce said, “often the difference between a successful person and a failure is not one has better abilities or ideas, but the courage that one has to bet on one’s ideas, to take calculated risk – and to act.” Risk is something inherent in investing. Some investments are so risky that the possibility of losing all of your investment is possible. The thought of losing all of one’s investment, or even just a part of it, can easily discourage some people from making an investment, which is rather unfortunate. It’s easy to just flock to the...

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Tips to Save Money when you’re A Student [Guest Post]

Do you have fine wine taste and cheap beer budget? It’s absolutely fine – majority of the college students survive on a tight budget while the remaining get indulge in relentlessly over drawing. But it always does not need to be so. Read along to find out how! Saving money as a student can certainly prove to be quite a daunting task. It’s very likely that you are at present making very little or no money at all and the sum you have is simply not adequate for you to make big purchases or to help you get past...

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Being rich the easier way

Many of us like things to be easy. How about being rich the easy way? Can it be easy? Your parents most probably told you that there’s a price to pay to be rich. You need to work hard, sacrifice and have lots of stress to earn a lot of money. That’s a lot of hard work. If you want to climb up the corporate ladder, most likely your workload will increase as your pay increases. The amount of responsibility and stress increases as well. But do you know there is a hard way of being rich and there...

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