Author: STE's Stocks Investing Journey

OBike oh OBike : Where is the refund of my deposit ?

Saw this blog post from my friend ( SG BugetBabe ) this morning : Has Obike taken your $49 deposit without informing you? It remind me that I have actually requested the refund of my deposit from OBike few months back since I have switched to the other bike sharing apps which does not require any deposit. I guess most of us will assume that the refund will be credited back to our CC in days or weeks times. Since it was just $49 and would opine that most people will just take things for granted that money shall...

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2nd Qtr 2018 ; Dividend and Portfolio Update

<image credit: pinterest.cm> Market has been in a much more volatile situation in 2018 as compare to 2017 and the latest political & economic issues face by Italy is making the market looks more risky. Italy has been a problematic state among EU countries for many years. It ranks among the countries with the largest debt—around 2.3 trillion euros—and has been facing a double-digit unemployment rate since 2012. Growing tension in Korean Peninsula and potential trade war between US – China and US – Europe , no doubt has contributed to recent market volatility. I am sure market will continue to...

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Too Greedy about Yield : Hyflux 6% CPS

Yes, this has been one of the hottest topic recently “ Hyflux applies for court supervision to re-organize liabilities, businesses “ ( here ). Thousands of investors will be affected by this sudden collapsed of Hyflux , yes , including Me. Nobody know how things will turn out eventually under this so called “ debt’s restructuring “ but I think for sure it is not good for ordinary or preference shareholders who’s typically rank lower in term of debt’s seniority as compared to secured bank loans. Hundreds of millions of bond and perps securities holders will also be affected....

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Renounceable vs Non-renounceable Rights Issue

Recently, it seems that more and more companies are choosing to issue “Non-renounceable Rights” in equity raising activities instead of “Renounceable Rights “. My friend “ B “from “ A Path to Forever Financial Freedom (3Fs) had just written a good blog post in explaining how to take advantage and possibility of making some “profit or lowering your entry price “ by capitalizing the rights issue offer by company from time to time. ( here ) , and his detail analysis on FLT’s asset acquisitions into Germany and Dutch industrial properties  ( here ) First and foremost , allow...

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Fear of Rising Interest Rates

Interest rates increase was really a hot topic in last two weeks since US 10 Years Treasury Note hits above 3% for first time since 2014. Market also react negatively with full of comments on interest risk due to this increase. “Auto loans, home mortgages, and other loans are tied to the benchmark 10-year yield. Investors fear that higher interest rates could start to eat into corporate profits and also signal that more inflation is coming.” This is why everyone is paying so much attention on the 10 years Treasury Note. Some even talking about “ Inverted Yield Curve...

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My Realized Loss

<image credit:Shutterstock.com> “Soon after I bought the stock recommended by my broker, its value dropped by half so I decided to cut loss “, sounds familiar right.  While investing in financial markets over the long-term is an excellent path to wealth, it’s not unusual to experience occasional losses as investment values goes up and down, depending on market cycles. Every investors ever incur loss in our investment during the journey, the point is, do you keep track of your “realized gain/loss” on all your stocks’ transaction? Yes, I know , nobody like to mention or talk about their losses...

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STE Smart Beta : Not so Smart !

It has been quite sometimes I never update the performance of my “STE Smart Beta “ since last one in Aug 2017 ( here ).   You may also want to know what is “ Smart Beta “ ( here) , for those who are not so familiar with this investment / financial ” jargon”. Here is the latest update : In last year, STE Smart Beta outperformed the market (STI ) by 5.7% as the composition including some of star performance like banks ( DBS/UOB/OCBC) and two Oil& Gas counters although SPH and StarHub lagged behind. After the portfolio...

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Buy Low, Sell High ! How ?

I hope stock market will crash tomorrow !! Hey ! wait a minute (ちょっと待って) , don’t throw rotten eggs or curse at me !! J Here is my story …. Every stock market investor knows the old adage: Buy low, sell high. We often hear this in investment courses or seminars we had attended, even in financial blogsphere. We talked about “ Price is what you pay ,value is what you get “ , we wanted to buy cheap at best “bargain “ and high M.O.S ( margin of safety ). But every day when we log into our PC...

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Is Stock Market Correction Normal ?

Since the start of 2018, the stock market has experienced higher levels of volatility than we’ve seen before. The result has been in many headlines or news highlighting the downfall of a strong market and how much the market cap has been wiped out in such short period of time. It’s left many people wondering if this is normal and healthy, or a sign of worse things to come ? For me , it is normal for the markets to experience a short-term decrease in prices, typically followed by a long-term advance. Those are the facts. The complexity of...

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Your IQ and ROI

According to Warren Buffett “Investing is not a game where the guy with a 160 IQ beats the guy with a 130 IQ” and what Buffett says about what is necessary for investing successfully:  Temperament is also important. Independent thinking, emotional stability, and a keen understanding of both human and institutional behavior is vital to long-term investment success. I’ve seen a lot of very smart people who have lacked these virtues. Also, investing is simple, but not easy. It requires independent thinking and emotional intelligence more than IQ. When markets are tumbling and fall like no tomorrow, IQ is...

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1st Qtr 2018 : Dividend and Portfolio Update

Is time to calculate our dividend income for 1st Qtr 2018 as financial result for most of the company should had been announced by this time. Market has gone through like a “roller coaster “ ride in 1st Qtr 2008 where it was down by almost 10% at one point and rebounded subsequently. As I mentioned in my early blog post (here ) , even with correction of 10-20% from current high in US market , I would consider it still as “ expensive or rich in valuation “ and normal correction in any market cycles. Buffett is sitting...

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The Power of Saving

 I have written about the “ The Power of Divided “( here ) and shared my view on the important of dividend throughout my investment journey.  I try to visualize it through the chart as below which I published every quarter in my portfolio and dividend update.As I am not really good in doing analysis on financial detail for companies or trying to identify the next FANGs type of exponential growth companies, my investment philosophy is quite simple that buying those company with strong fundamental (clean balance sheet with less debts ) and have dividend pay-out regularly. Of course...

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The Power of Saving

I have written about the “ The Power of Divided “( here ) and shared my view on the important of dividend throughout my investment journey.  I try to visualize it through the chart as below which I published every quarter in my portfolio and dividend update. As I am not really good in doing analysis on financial detail for companies or trying to identify the next FANGs type of exponential growth companies, my investment philosophy is quite simple that buying those company with strong fundamental (clean balance sheet with less debts ) and have dividend pay-out regularly. Of...

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Fake News : Dividend Income from STE

<Image credit: steemit.com> With increasing usage of internet as main platform of social media for us to communicate and as source of news replacing traditional printed media, corporate and government starts to pay more attention to the problems and consequence of  “fake news “ and its impact on society at large. Quote “The relevance of fake news has increased in post-truth politics. For media outlets, the ability to attract viewers to their websites is necessary to general online advertising revenue. If publishing a story with false content attracts users, it may be worthy of producing in order to benefit advertisers...

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Fake News : Dividend Income from STE

<Image credit: steemit.com> With increasing usage of internet as main platform of social media for us to communicate and as source of news replacing traditional printed media, corporate and government starts to pay more attention to the problems and consequence of  “fake news “ and its impact on society at large. Quote “The relevance of fake news has increased in post-truth politics. For media outlets, the ability to attract viewers to their websites is necessary to general online advertising revenue. If publishing a story with false content attracts users, it may be worthy of producing in order to benefit advertisers...

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