Author: STE's Stocks Investing Journey

Building Your Own ATM Machine !

Sometimes my friends or even relative just wonder how I could survive without working or having “active income” for the past 4 years.  I told them that I have my own “ATM Machine “ that will generate a consistent cash flow , quarter by quarter , or course sometime I can withdraw more money from this ATM and sometimes less.  It has consistently giving me the cash without fail even during GFC ( Global Financial Crisis), it just a matter of given out more or less. Yes, it is dividend pay- out from my shareholding which I’m depending on...

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Saving on Transaction Cost : 1st Qtr 2019 vs 1st Qtr 2018

I have done less transaction in 1st Qtr 2019 vs 1st Qtr 2018 although market has gone up much from the low recorded in end of last year  In line other with world stocks market , STI also performed well in 1st Qtr ,up by +8.02% to 3315 as of writing and my portfolio managed to outperformed market by few % points with ROI of +12% YTD, mainly due to better performance from REITs. “In the 2019 year-to-date, the 20 best-performing S-REITs – which have a combined market capitalisation of more than S$60 billion – have averaged a total return...

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OMG !! The Yield Curve Just Inverted ! Sell or Not Sell ?

This is probably one of the hottest topics where you can see and read from all over the business news headlines in last two weeks. What is “Inverted Yield Curve “ and why is it so important that draw so much attention from financial strategist / economist/ investors / fund managers all over the world. Discussing, pondering and arguing about the impact and direction of economy due to this so called “ Inverted Yield Curve” , relentlessly. What is an Inverted Yield Curve?  An inverted yield curve is an interest rate environment in which long-term debt instruments have a...

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Share Buy-Back By REITs : Does It Make Sense ?

If you may notice , I think K-Reit is the only REIT that is actively buying back its own share among all REITs listed on SGX. I fully understand the benefit of “share buy-back “ as it has been carried out by many companies who see the value of their share when the price might be temporary plummeted due to market condition or caused by certain bad news. What is a Share Repurchase/ Buy-Back ( From Investopedia.com) A share repurchase is a program by which a company buys back its own shares from the marketplace, usually because management thinks...

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1st Qtr 2019 : Dividend and Portfolio Update

Time flies , 1st quarter 2019 just passed in the blink of an eye , I am sure most of us have good return on your investment as STI has achieved +4.9% returns YTD. My portfolio managed to outperform STI with returns of 9.7% YTD , thanks to most of the REITs and some other counters like Global Investment and Comfort DelGro.  Top-10 Holding Top-10 YTD Return Portfolio as 1-Mar 2019 Total holding reduced by one to 46 with 4- Out and 3- In since last update. I hope to reduce my total holding to 40 counters by end of...

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Keep Calm and Collect Photos (Dividends)

  STE  and Mrs like to take photos during our morning/evening walk , of course other than catching Pokemon ..hahaha  :D Photography allows you to create images of events, times, and places, it also record what happened and allow you to share them with friends and family, either in digital format or more permanently with prints or photo books. By being able to capture a special moment in time, you carry the memory of that event forward with you, allowing you to share it and remember it with those that were there. Not all photos taken by me using...

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HYFLUX Scheme Of Arrangement (SOA) : Yes or No ?

**Disclaimer : I am vested with $127,000 of Hyflux 6% CPS, my views and opinions expressed here might be biased to some extent , please do your own due diligence when acting or using the info as presented below. Finally, Hyflux unveiled the so called Scheme of Arrangement under the court protection restructuring plan on 16 Feb which affecting more than 34,000 (mostly retail investors) registered holders. Under its long-awaited restructuring plan, filed with the High Court yesterday, unsecured creditors who are not holders of perpetual securities and preference shares will receive 27 per cent of shares, and a total...

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Saving Too Much For Retirement ?

Was having casual conversation over the dinner with friends last week and some knew that I am not working since 2015, asking if my investment income will be able to cover my expenses. I told them that I am still able to save $60-80 K a year after deducting all my yearly expenses including holidays and staycations. “Then you are saving too much for your retirement !” ,one of them said that .. I was stunned like : huh ?? saving too much ?? …Uhhh ! When putting all this together, Blanchett summarizes “many retirees may need approximately 20%...

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Open Electricity Market (OEM) : I Switch You Switch , Save ! Save! Save!

Everyone seems happy recently (including STE ) as our pocket will  have some extra money from saving of our electricity bill by switching to some other’s retailers , other than SP Power. STE just signed up with Keppel Electric on their FIXD24 plan at $0.168/kWh vs current tariff of $0.2413/kWh (before GST ) which is around 30% discount from current tariff + $20 NTUC voucher.   😄 Alternatively, you may also sign up with DOT24 Fixed Discount plan ,i,e 22% discounted from tariff , regardless of how much the tariff will be heading, a peace of mind for at least...

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CapitaLand 3.0 – Asia Largest ( Rights or No Rights ?)

Guess this is the hottest business news since the announcement made last week : While everyone seems excited about how it will transform CapitaLand 3.0 to be one of the Asia largest real estate group and world No.9 in term of AUM , with 8 listed REITs entity on SGX. I am more interested in below slide which show the “deleverage plan” of how they are going to reduce the net debt/ equity ratio from 0.72x (post transaction) to 0.64x by Dec 2020. Well , it mean that the chances of divesting (some said “dumping”) part of these 3...

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2018 : CPF-IS and Interest Income Update

Right after 31st Dec 2018 , I guess everyone was busy logging in to their CPF account to check what is the latest balance they have in their CPF account. Yes , CPF interest will be credited on that day and one will be able to see how much he/she got on interest income for the year of 2018. STE doesn’t have the opportunity to feel the joy of getting year- end bonus since 2014 but instead, receiving the interest income from CPF on first week of each year make me happy same as getting the bonus. ( Not...

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2018 Portfolio Review and Reflection

As we leave 2018 behind and roll into 2019, first and foremost allow me to wish all A Very Happy & Prosperous 2019. I am sure 2018 was  a tough year for all investors as compared to 2017 where most of us may end up having negative return on our investment portfolio.  This is a big contrast to 2017 where we have achieved double digits growth in our portfolio. If you are still enjoying double digit +ve return this year, congratulation !! you must be an exceptional and extraordinary good one in picking wining stocks. STI close at 3068...

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Expecting “Santa Claus Rally ” in 2018 , No ?

<image credit:seekingalpha.com> Christmas is just around the corner and some of us may be busy doing the Christmas Sales shopping to buy gift or present for your loved one and some may be “worry “, looking on the screen seeing DJ dropped by few hundred points each day. Yes, guess there will be no so called “Santa Claus Rally” this year as market expected to be in volatile mood and swing viciously. Although US market has corrected by more than -12% from the peak in early 2018 but is still far from long term mean level and not to...

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Expecting “Santa Claus Rally ” in 2018 , No ?

<image credit:seekingalpha.com> Christmas is just around the corner and some of us may be busy doing the Christmas Sales shopping to buy gift or present for your loved one and some may be “worry “, looking on the screen seeing DJ dropped by few hundred points each day. Yes, guess there will be no so called “Santa Claus Rally” this year as market expected to be in volatile mood and swing viciously. Although US market has corrected by more than -12% from the peak in early 2018 but is still far from long term mean level and not to...

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Bye Bye M1 : Catching A Falling Knife

Finally , I have completely sold all my remaining share of M1 at lost of -$14,226.78 , while some might still waiting or hoping for a better counter-offer from another major shareholder. Yes it is a negative XIRR of -5.5% after close to 4 years of investing.Have to admit that I have underestimated the impact of “regulatory risk “ after the government  announced the new permit for 4th Telco and the subsequent disruption from severe “price war” not even the start of operation of 4th Telco.  Share price of all the Telco dropped by more than 40-50% from the...

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