Author: SG Young Investment

NTU graduates in demand – Finding job so easy?

Read the news today and saw this news about NTU graduates in demand. 7 in 10 secured a job before graduation. It was stated some were SPOILT for choice as they had multiple jobs offer.  Now the job market so good? Finding job so easy? Another thing is the top 10% of these students drew an average monthly salary of $8000. Really amazing!!! Some work so hard to climb the corporate...

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Managing my personal finances

Over the years, as i learn more on how to manage my personal finances, it became more fun to me. Regular savings have become a habit and i have opened several bank accounts to allocate my money respectively. I have a spending account, an investment account, an emergency fund account and a monthly savings account. This is how i allocate my money: 1) Allocate around 6-9 months of my expenses into an emergency fund account. An emergency fund is important in case i need the money urgently. This is strictly for use during emergency time when i have not...

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Various investment products for different investment styles

All of us have different personalities. Some like things to be fast, others like it to be slow. Some are patient while some are not. The good news is there are different investments that we can make to suit our personality. It is important to find out your investment style and practice it so that you can be successful in it. 1) If you’re a super risk adverse type of person who doesn’t like...

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My views on the new POSB Invest-Saver

Read the news in the morning and this new product jointly launched by SGX and POSB caught my attention.  I have just blogged about investing in ETFs and now there is a new product in the market. Have just checked from POSB website and I will summarise on the characteristics of this new product. This POSB invest saver lets you invest in an index ETF from as low as $100/month. The index ETF used is the NIkko AM Singapore STI Exchange Traded Fund. This ETF tracks the Singapore Straits Times index similiar to SPDR STI ETF. In my previous...

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Explaining Personal Loans in Singapore [Guest Post]

The following post is contributed by imoney.sg. I’m glad to be able to work with them to reach out to more readers on subjects related to financial planning and investments. You may have seen previous posts on housing loans which was also contributed by them. Some of my blog posts on SG young investment has also been featured on imoney site. imoney started out in Malaysia and is now branching out to Singapore also. Their malaysia website has seen over 24k likes on their facebook page and the Singapore site which just started has already got 304 facebook page...

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Investing Basics – Low Cost Index Fund investing (Passive Investing)

I’ve heard of this term called passive investing and think that it is suitable for those who are starting out in investing or those with little knowledge on investment. In essence, this method works by you putting a fixed amount into an index fund and let the fund grow over time. A recommended fund if you’re investing in Singapore is the STI ETF. You can buy this ETF from SGX directly....

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Married with kids still can be rich?

There has been quite a number of discussion on the question whether is it possible to be rich in Singapore if you’re married? Many people say that housing prices in Singapore is very high, a wedding is very costly and the cost of living in Singapore is constantly rising. So is it possible to be rich and retire a millionaire even when you’re married with let’s say 2 kids? In 2007/08,...

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Volatile shipping market shows signs of recovery

It was reported in channel news asia today that the shipping market is showing signs of recovery. However, China’s economy is still showing signs of slow growth therefore the recovery should be more gradual instead of a sharp recovery.The Baltic Dry index is an indicator of the state of the shipping industry.  Investopedia explains Baltic Dry index as:A shipping and trade index created by the London-based Baltic Exchange that measures changes in the cost to transport raw materials such as metals, grains and fossil fuels by sea. The Baltic Exchange directly contacts shipping brokers to assess price levels for...

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Select Group secures land to accommodate food business expansion

Saw this news on the straits times. Looks like this company is expanding. Building a new HQ with its central kitchen and R&D centres under one roof just like breadtalk. Qutoed from the straits times on July 12, 2013: “Select Group has accepted an offer of direct land allocation from Jurong Town Corporation of a piece of vacant leasehold site of about 64,434 square feet at...

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Has Singapore achieved the Swiss standard of living?

Singapore is ranked 4th in the world by GDP per capita surpassing the United States, Hong Kong and even Switzerland. Does this mean our standard of living is higher than the people in Switzerland and Hong Kong? GDP per capita is calculated by the value of all final goods and services produced within a country in a given year , divided by the average (or mid year) population for the same...

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Analysing a company – The importance of R&D

Just ended my economics class awhile ago and there were some interesting discussions today. Some of the discussions include 1) the problems of ageing population in singapore, 2) the restriction of foreign workers by increasing foreign worker levy 3) why singaporeans have to retire later as retirement age is constantly increasing. All these are big topics and it has been debated for the past few years in our homeland, singapore. So what has this got to do with our analysis of companies to invest? I think as our economy becomes more competitive and we face a shortage of manpower...

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Life of poor and rich people

Saw a fellow blogger AK71’s post titled “have money also must have heart”. This reminded me of a video I saw on youtibe showing the difference between how the rich and poor live their lives. In the midst of striving to be rich, let’s not forget to have a heart for the...

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Company in focus – Select Group

Select group is a leading food service provider in Singapore. They started out with catering as their main business and branching out over the years to include restaurants, fast food chains, desert chains, F&B management services, event catering etc. Below shows the select group of companies under them: This company caught my attention as their financials reflect positively on their management capabilities. Some of their brands are quite successful and i’ll describe my experiences of what i think of them. Firstly, Texas Chicken is a well known brand in Singapore now. When they first started out, i was sceptical...

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How rising interest rate affects the housing loan you pay? [Guest Contribution]

Interest rates are starting to rise and it affects the amount of loan that you pay for your housing mortgages. But how much will it affect you? Look at the simple illustration below: A Singaporean Guide to home buying fees and charges Click Here for PDF Inforgraphics provided by imoney.sg , a price comparison website dedicated to helping Singaporeans make the best use of your...

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Cheapest nasi briyani in Singapore

Today I managed to have the cheapest nasi briyani I’ve ever had in my life. A plate of nasi briyani with one curry chicken drumstick, egg and vegetable cost only $1.90!!! Nasi briyani easily cost more than $5 elsewhere. If youre thinking where to get it, you’ll be disappointed coz its only available in school’s canteen. Just lucky today I was doing some work at a secondary school in Singapore so got a chance to eat cheap food. This make me believe that high and increasing food stall rental is the cause of our more expensive food prices here...

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