Author: SG Young Investment

Market update – Substantial rise in treasury yields

Update of Treasury yields in the US 2yr Treasury Yields – 0.51% 10yr Treasury Yields – 2.98% 30yr Treasury Yields – 3.88% What do these numbers means? A rise in yields implies a fall in bond prices. If you have investment in bonds,  most likely you’ll see a drop in your portfolio value. Short term yields have already more than doubled from 0.24 to. 0.51. This also means that interest rates are rising. Those with floating rate loan packages will feel the effect of higher interest rates. If you have substantial loans like housing and car loans, do take...

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What’s with the WhatsApp craze?

While i was on the bus, i realised that a lot of people were busy typing out on their phones. I took a peek at the people around me and saw that almost everyone was using WhatsApp. I have to admit i’m one of them too. People use to pay for messages in the old days and many young people were sending too many SMSes which caused their phone bills to burst. I used to hear my friends complaining that their parents cancelled their mobile line just because they send too many messages. Sometimes more than 1000 messages when...

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China Minzhong acquired by PT Indofood. Share price shoots up by 112%

China Minzhong has gotten out of its pit. Its trading halt was lifted today and from a low of 0.53, it shot up to 1.12. Reason was because it got an offer from PT Indofood to acquired its shares at 1.12. China Minzhong has offered its shareholders a mandatory cash offer at an offer price of 1.12. Previously, a negative report by Glaucus Research caused it share price to drop by more than 50%. This caused fear to investors who own China Minzhong shares as they see their portfolio value plummet. There were rumours that China Minzhong could be forever...

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My 8 days Taiwan trip all under $800

I did blog before that i liked travelling. Most people would say that travelling requires a lot of money. However, the good news is that with airlines competing for customers and the SGD staying strong, travelling is by far getting cheaper and cheaper. I calculated my total expenses for my 8 days Taiwan trip. Not just slightly below $800 but way below it. It came out to be $705/pax inclusive of airfares. I don’t know if you think that this is expensive or cheap but i have many friends who say that they would never be able to achieve...

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New Facebook page created

Dear readers, I’ve just created a facebook page for my blog. This will take my blogging experience and your reading experience to a whole new level. Through facebook, i’ll be able to share market updates and discuss on the current economics and finance issues. Be the first to like and follow my page. Recommend to your friends too :) Hope to share more with you all on the market conditions. It has been a wild ride these few weeks. See you in social media!! ;) Click like on the right hand side to follow my page. Thank you for...

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Trader with 17 years of trading experience still lose money

I missed episode 2 of recession heroes so i watched it online on catch up TV xinmsn. This episode is even more interesting and we can learn a few points from this female trader who shared her experience. I have also wrote about episode 1 here. Here is the summary of episode 2: This lady was retrenched during the 2007/08 financial crisis. She was a futures broker in a financial institution for 17 years. She worked mostly from 6pm in the evening to 5am in the morning trading futures market. Why still lose money in trading? After being retrenched,...

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What is happening to the market?

I’m back from my holidays and time for me to start writing again. It has been a good trip and Taiwan was really fun. Every country i go to, i’ll notice that each has its own culture and national identity. You could recognise who are the resident people there. Apparently, it is most obvious from the way they talk. Taiwan people have their own style and tone of chinese. China people have their own different set of style and tone of chinese. Even Singaporeans have their own style of chinese. One common language but different identity. Just only one...

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Preparing and experiencing a disaster. How we can prepare ourselves for a financial crisis?

I’ve not been posting in my blog for the past few days. I’m actually in Taiwan currently. If you’ve watched the news, Taiwan is preparing for a typhoon that is forecasted to come in today. The name of the typhoon is typhoon trami. I’m preparing for this disaster and experiencing it for the first time. I’ll share with you on how we can prepare for a financial crisis too in this post. So read on to find out more. As a Singaporean, we do not have any disasters in our home country. In a sense, we’re really fortunate to...

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An interview with a Singaporean couple – How they manage finances with a family of 5 children

Many couples cite the rising cost of raising a child as a deterrent from having more children. A family with 5 children tells us how they manage their finances. One thing i’m impressed with is that the husband is the sole breadwinner in the family. He earns 8-9k a month and still manage to save 20% of his income. Watch the interview below to know more:...

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Why smart people will always buy stuffs at a discount?

Most people like discounts and sales. Everytime during the great Singapore sale, there will be long queues outside retail shops and the shopping malls will be packed with people. However, i suspect some of them are the same people who also shop when there is no discount. Just that during discount, they will buy even more! So what do i mean when i say smart people will always buy things on a discount? I’m referring to those people who will only buy things at a discount and i really mean ONLY! No exception. These are the really smart people....

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How to pick stocks (Part 2) – The profitability of a business

In my previous blog post, we discussed on economic moats and why it is important for us to identify which industry the company belongs to. If you have not read that post, you can read it here: How to pick stocks (Part 1) – Economic Moats To know if a company is doing well in that industry, we can look at various metrics and financial ratios to give us a clearer view. This will give us a confirmation that it has a strong economic moat. How to know if a company is generating profits? Financial statements are important in...

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How 27-year-ol​d S’pore woman lands herself in $100k debt

I chanced upon this article when one of my friend shared it on Facebook. The title caught my attention. I guess if you’re reading now, you were also attracted by the title itself. It goes to show that there are people who do not know how to manage their finances and regret it later in life. This woman was a real estate agent and i guess her income was really high from selling properties during the property boom. Some points to summarise: She was $100k in debt at just 27 years old. Spent $10,000 a month just on entertainment.I...

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Why people lose their money during crisis?

Just watched the first episode of recession heros on channel 5. This first true story is quite inspiration and I would like to summarise the story here. The guy in the story lost all his money during the september 11 stock market crash. Here’s a summary of his story: Father was a businessman in Malaysia.  Business was doing well until his father got cheated by a business partner and lost everything. His family was in debt for a few million dollars. They later moved to Singapore. To supplement his family income, he came out to work at a young...

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A Blog Post by Singapore’s Youngest Millionaire Adam Khoo

Recently a friend posted this on facebook. It is about a Singaporean guy called Adam Khoo. He became a millionaire at the age of 26. One thing that caught my attention is always this phrase:” Millionaires are frugal and they only spend on what is necessary of value. That’s why they are millionaires”. Read on below: A Blog Post by Singapore’s Youngest Millionaire Adam Khoo Some of you may already know that I travel around the region pretty frequently, having to visit and conduct seminars at my offices in Malaysia, Indonesia, Thailand and Su Zhou(China). I am in the...

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How to pick stocks (Part 1) – Economic Moats

Finally, i’m more free to continue blogging and write up good articles for readers of my blog. Just finished my exams yesterday and looking forward to my Taiwan holiday trip in one weeks time. In the meantime, i’ll be starting a series of posts on how to pick stocks. As an economics student, i’ll start of with what is familiar to me which is how to analyse a company’s economic moat. Many of you may have already heard this term. Read on to find out more.IntroductionHow to know what companies to invest in? This is a question many people...

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