Author: STE's Stocks Investing Journey

4th Qtr 2017 : Dividend and Portfolio Update

Is time to see many update from financial bloggers  on their year- end portfolio review  and total dividend to be collected in 2017 , including B ( here ) and me of course. Time flies , as usual with the last company to have announced the financial result , I will try to tabulate the total dividend to be collected in 4ht Qtr 2017 and total amount for full year 2017 vs 2016. Dividend & Interest Income  for 4th Qtr 2017 = $40,576.95 This is about  $3696 lesser than  4th Qtr last year of $44,273 Total 2017 =  $185,623...

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Thank You & Good Bye “ CROESUS Retail Trust “

This is the 3rd company in my portfolio being privatized after Sim Lian and ARA Asset Management.  I have blogged about “ The Good or The Bad “ of privatization before (here ). As I mentioned before “  Whether privatization is good or bad for shareholders, I’m sure it depend on your entry price and in the eye of beholder.” In most of the case , the offer price for company being taken private will be higher than last trading price or premium over NAV. As such , some investors tend to spot or try to identify which company will be...

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Q&A : Bitcoin

What is Bitcoin ? (from Wikipedia ) Bitcoin is a worldwide cryptocurrency and digital payment system called the first decentralized digital currency, as the system works without a central repository or single administrator. It was invented by an unknown person or group of people under the name Satoshi Nakamoto and released as open-source software in 2009. The system is peer-to-peer, and transactions take place between users directly, without an intermediary. These transactions are verified by network nodes and recorded in a public distributed ledger called a blockchain.   Bitcoins are created as a reward for a process known as mining. They can be exchanged for other currencies, products, and services. As of February 2015, over 100,000 merchants and vendors...

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CPF-Investment Scheme – My Experience

CPF-IS has been a hot and never ending topic since DPM Tharman made a comments in 2016 that “the scheme was not fit for purpose “ because over the last 10 years, more than 80 per cent of those who invested through the scheme would have been better off leaving their money in the CPF Ordinary Account. He said that over the last 10 years, more than 80 per cent of those who invested through the scheme would have been better off leaving their money in the CPF Ordinary Account since the Ordinary account still give member a 2.5%...

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The Importance of Behavioral Finance in Investment Decisions

<Image credir: psfbd.net> Finally , one of my favorite and top Behavioral  Economist Richard H Thaler from University of Chicago won the 2017 Nobel Laureate in Economics , joining other top behavioral economist like Robert J. Shiller and  Daniel Kahneman  in the list of Nobel Laureate. He has been recognized by many insightful research link to economic decision and psychology like “ Endowment Effect “ and “ Mental Accounting “ and also a writer of many best-selling books in economics and behavioral finance. Concept Explained : from Investopedia DEFINITION of ‘Endowment Effect’ In behavioral finance, the endowment effect describes a circumstance in...

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Do We Need to Spend Few Thousand $$$ on Investment Courses ?

One of the reader email me and asking about the idea of attending an investment course which cost him few thousand dollars. I am quite reluctant to give advice in this regards as I never attended any investment course before and not sure about the useful and effectiveness of such courses. For me , investing is a long learning journey and one need to read extensively and learn from your own mistake not just sitting in the class room for few hours or days ,listening to some “experts “  advise or slides presentation on how to be a successful...

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The Power of Dividend

<Image credit:dividenprice.com> In stocks investing , you probably heard about the “ growth stocks “ , “dividend stocks “ , “large cap / mid –cap “ or “ blue chips “ etc .. and depending on your “desired and expectation” of the ROI of your investment , you may choose what kind of stocks to be included in your portfolio. For most of the investors , I am sure you would have included some “income stocks “ into you portfolio as part of the diversification and also hopefully dividends can keep the value of your investment rising even when...

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STE Smart Beta Update : 30th Aug 2017

Time flies , It has been more than a year after my first published of STE Smart Beta concept and bench-marking against STI Index. FYI , I have started my STE Smart Beta on 28th Aug 2016 with capital of $100K with equal weighted investing in 14 stocks which fall under the criteria of PE<10 or Dividend Yield >5%. You may find the detail in this link (here ). Now , let’s look at the result of STE Smart Beta vs STI Index from 28th Aug 2016 till 25th Aug 2017 : It seems that STE Smart Beta has...

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Market Timing Vs Time In The Market ?

There was an article about the important of “Market Timing vs Time in The Market “ by Mr. Goh Eng Yeow,Senior Correspondent ,The Straits Times on 20th Aug and you may find the detail as below : Beating the investment pros at their game This is a never ending argument or debate on which is more important ie Timing or Time In the Market , and from most of the articles you read, you may find that most of them are more inclined towards “Time in the Market “ rather than Timing the Market. Articles as below …. Buy-And-Hold Investing Vs. Market Timing ( From Investopedia...

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3rd Qtr 2017 : Dividend and Portfolio Update

After getting the result announcement from Croesus Retail Trust this morning , all the company I have vested has announced their quarterly result respectively. Is time for me to update my Dividend & Interest income which I will be receiving in 3rd Qtr 2017. Total Dividend & Interest Income ( 3rd Qtr 2017 ) = $46,539.36 YTD 2017 Dividend & Interest Income = $146,097.02 The total income receive for this quarter will be much lesser as compared to 2nd Qtr mainly due to absence of biannual dividend income from Accordia G Trust ( around $9K) and Interest income from short term corporate bond(around  $5K) which only be received in 2nd and 4th Qtr...

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Investment Clock : What Time Is It ?

Pursuant to my previous blog post about market cycles and “4 Seasons Investing “, there is another way of explaining the market cycles i.e “Investment Clock “. The idea of an investment clock has been around for decades and it captures two very important things in investment : 1) Business and Market move in cycle  2) No sector or asset class exist in isolation or can sustain without being affected by business cycles. Below quoted from “Fidelity International“ should give you a very good understanding about Investment Clock Vs Market Cycle. What is the Investment Clock? Different asset classes and business sectors...

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太极生两仪,两仪生四象 : The Tao Of Investing

道德经中有:道生一,一生二,二生三,三生万物。还有一句话是无极生太极,太极生两仪,两仪生四象,四象生八卦 太极生两仪,两仪生四象 两仪 编辑 两仪指天地或阴阳。一些武术家借用此词来引申到拳法中,如武术家孙禄堂就将动为阳、静为阴,合称动静为两仪。 关于“两仪”,综合历代易学家的理论,计有七说:一说为阴阳,一说为天地,一说为奇偶,一说为刚柔,一说为玄黄,一说为乾坤,一说为春秋。但通常是指阴阳。 四象 编辑 四象即为:太阳、太阴、少阴、少阳。 而其又名:少阳、老阳、少阴、老阴。 从数学角度论四象为:四、九、八、六。 从方位角度论四象为:东、南、西、北。 从一年季节论四象为:春、夏、秋、冬。 从人的名字论四象为:孟章、执名、监兵、陵光 从飞禽走兽论四象为:青龙、玄武、白虎、朱雀...

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Feel Good About Your BULL Market Returns

It has been quite sometimes since my last update of the “Regression Chart “ for STI and world major indexes. After seeing the chart with latest data , I realized that no wonder everyone seems happy on the ROI of their portfolio and bullish about the market recently as STI hit above 3200 level. Here you go…. ** For the first time since Oct 2015 , STI is moving above long term “regression mean “  of approx. 3220. STI still far from +1 SD as compared to other world major indexes like DJ or Nasdaq and for sure , nobody know where the market will be heading , it may continue to trend...

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IPO : Tell Me A Story

This year should be a good year for SGX as we have seen many  IPOs in first half of 2017 and as for retail investors , many  should be excited busy pressing button at ATM to apply for the IPOs ,expecting to have some quick bucks if successfully being  allocated with some share. The latest one will be the hottest in the market of “NetLink Trust “ which expected to raise up to $2.6 Bil from the IPO ( detail here ). In such a bullish market , one should expect to at least “ get something “ from the IPOs if they successfully applied for it .  Below quote...

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Portfolio Construction : To Diversify or Not to Diversify ?

As investors, when we think about Risk-Reward analysis, the first thing pop up in our mind automatically will be the word “ diversification”. This is what been mentioned in Investopedia about the importance of Diversification : “Diversification is a technique that reduces risk by allocating investments among various financial instruments, industries and other categories. It aims to maximize return by investing in different areas that would each react differently to the same event. Most investment professionals agree that, although it does not guarantee against loss, diversification is the most important component of reaching long-range financial goals while minimizing risk.” There is also different types of diversification e.g  Asset class Allocation ,...

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