Author: SG Young Investment

ComfortDelgro Stock Analysis- Will It Survive the Uber & Grab competition?

Recently, a stock familiar to most of us caught my attention. I’ve been wanting to write on ComfortDelgro but did not do so until now as I had to read and dive in deeper on the company. ComfortDelgro is known to us as a taxi company where Comfort’s taxi ply the roads of Singapore day in and day out. However, its business is more than the taxi business itself which makes it harder to analyse. Their annual report also didn’t really break down the information I needed so I had to go to different sources just to find the...

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Being Smart or Having Luck In Life and Investing

Is it better to be born lucky or to be born smart? Veteran banker Wee Cho Yaw said that the late former deputy prime minister Goh Keng Swee once told him that it is better to be born lucky than to be smart. This is an abstract from an article on Straits Times which I chanced upon and it really made me think about life. If you did not know, Wee Cho Yaw is the chairman of the United Overseas Bank and United Industrial Corporation in Singapore. Some people are just lucky while some are smart. How smart we are can be...

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More Young People Want To Start Investing – How To Invest Successfully?

Since this blog was started back in 2013, I realised there are more and more young people who wants to start investing. Back then when I first started out learning how to invest, I went to many seminars in search for the answer on how do I make my money grow. Many of these seminars were preview sessions for a more expensive course which they would sell later. Many of them were conducted in small offices which seem really scary now when I think back. Attending The Right Investment Seminars Its also very weird that I was often the...

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CDL Hospitality Trust – Is Hospitality Industry Recovering?

Previously I blog about the hospitality industry and why I think that it may be the next investment opportunity. You can read the post here. CDL Hospitality Trust is one of the hospitality trust stocks which I own and recently it reported its Q1 financial results. Looking at its results, we can know whether the hospitality industry is still on the track to recovery. Some of the hotels they own are Orchard Hotel, Grand Copthorne Waterfront Hotel, M Hotel, Copthorne King’s Hotel, Studio M Hotel and Novotel Singapore Clarke Quay. Hotel Lobby of Grand Millennium Auckland in New Zealand The...

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Croesus Retail Trust – Another Japan Reit Potential Takeover

Croesus Retail Trust is not new to this blog. I’ve written several articles about this stock since 2013. It has been more than 3 years since I was an investor in this company. How time flies just like that. Investing in Japan Reits was a strategy I embarked on 3 years plus ago primarily due to macroeconomic reasons. Japan was starting an aggressive monetary and fiscal policy plan at that time which I saw the opportunity to invest in companies which owns real estate in Japan. Just last week, there is a potential takeover which was announced by the...

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Hospitality Industry – The Next Investment Opportunity?

Many great investment opportunities happen when the industry is still depressed and where the individual companies are undervalued. I’ve been looking for more investment opportunities and the hospitality industry came up on my radar. The hospitality sector is not all gloomy for every country. The 2 stocks that I have which have direct exposure in the hospitality industry are Ascendas Hospitality Trust and CDL Hospitality Trust. Ascendas hTrust was bought quite long ago back in 2014. It has been providing me a dividend yield of about 7.5% for the past few years and price has gone up as well....

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The Shocking Case of An Insurance Policy

Just last week, there was a shocking case of an insurance policy which went viral. Apparently, this person’s dad bought an endowment policy from prudential in 1994 where the maturity payout of the policy is suppose to be $42,000. He got a shock when his dad got a cheque of only $20,000+ just recently when it matured. My dad bought this prudential savings plan twenty years back and he was supposed to get 40k+ this year during March. However, they’ve only sent my dad a cheque for 20k+ (the initial investment is 30k+).  My family went up to the...

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Changing Your Financial Situation With The Early Retirement Concept

It is soon coming to the 4th year of this blog’s existence. Through writing about financial topics, I learnt a lot in the process too. I also read from other blogs and learn from people who have manage to changed their financial situation totally. These 3 years plus has been a wonderful journey, meeting new friends and bloggers who make this journey a better one. We celebrate each other life journey from marriage to having kids, its really a whole community of friends from online to offline. Worrying about life? Through blogging, I also receive several emails from readers...

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Summary Of Changes Relating To Residential Property

The Ministry of finance made an announcement last week on the changes relating to residential property. Most people who own private properties would be happy to hear about this news as some measures have been relaxed. Summary of changes: 1. Additional Buyer’s Stamp Duties (ABSD) and Loan to Value (LTV) Limits While many people hope for the ABSD and LTV limits to be relaxed, the government is not doing so yet. This ABSD and LTV limits has been a pain point for people who want to purchase a second residential property. Sometimes the additional stamp duties and cash down payment...

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Unlimited 1.5% Cashback With This New Credit Card

I love good deals so when I heard of this new credit card by Standard chartered, it seems too good to be true. Standard chartered bank always try to come up with good deals to attract consumers. From a consumer point of view, this is definitely good news. For example, many years back they had this savings account which gives 2% cashback on any spending if we use the debit card. I used it to pay for my university course fees and got quite a lot of cashback in return. The time round, they have just launched a similar...

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Multiple Streams Of Income – Can It Be Done?

The fear of having not enough money or losing our job makes one think about how to create multiple streams of income. It has been a popular topic since many years ago in this uncertain world we live in. Just these few months, I’ve heard a few people got retrenched. This makes me wonder when will I be next? However, when we are already so busy with our work, how do we even have more time to create more streams of income? Its quite impossible to take up another part time job or even do freelancing when time is...

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The Future Is Female Conference – A Women-only personal finance, empowerment and lifestyle conference

Did you know there are more and more female investors now in Singapore? With women’s earning capabilities going up to be similar to that of men now, many are looking at alternative ways to manage and grow their money. For the first time in Singapore, there will be a women focused financial conference for all the females out there. Often, investment seminars are packed with men and this may be a turn off for a woman who attends. This will be a game changer conference. The Future is Female conference, taking place on April 8 2017, Saturday, is organized...

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Starhub – Dividend Investing Gone Wrong

There are many developments in the Telecommunication industry with the entry of a fourth operator soon in Singapore. As we all know, Singapore has 3 Telcos here namely Singtel, Starhub and M1. The 4th Telco which is coming will be TPG telecom. Let’s take a look at Starhub in this post and see what went wrong with the share price falling from a high of $4+ to $2.80 now. Starhub was once a favourite with its defensive nature and good quarterly dividends. If we had invested in Starhub back in 2005 and hold it all the way to 2016, we...

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My financial goals to make the most out of 2017

It’s a new year again. How has 2016 been for you? As we begin the new year, it is time to reflect on my goals for 2016. Here are some goals I set for 2016: Advancing in my career  In 2016, I wanted to advance in my career after being in the same job for the past 6 years. I figured that if I continued to stay on, there wouldn’t be much progression. I also wanted to go into another industry and utilise my degree, which was in Economics. I have started a new job in January 2017. It’s...

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Getting Out Of The Comfort Zone For Better Financial Health

Humans are strange creatures, many of us have different personalities and interests but one thing we all like is this thing called comfort zone. This sets the baseline for our life. The thing about comfort zone is everyone’s zone is different. This is what makes it so interesting and how we can make use of this knowledge to have a better financial health. We often hear the phrase “you need to get out of your comfort zone”. This is especially true for young people as its the stage of life to explore and learn. However, even for older people,...

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