Author: Investment Stab

So many styles but which style?!

    As times change, the markets change together with it as well. This is due to the forces that shape human behavior have changed and influences how people interact in the markets. From fundamental analysis to technical analysis, to leveraged trading such as contra trading, to computerised trading such as quant trading. With so many trading strategies and techniques in play, the question now is: Which is the one that is most profitable?   While most people are pre-occupied with just profits, it is far more important to know which trading style is suitable for your personality and...

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WOOFR: Your Lifestyle Passport to Clubs, Bars & Music Events

What sort of applications and revelations does your platform bring about? WOOFR is your lifestyle passport. Within a few taps on your smartphones, we bring you instant bookings and exclusive deals to your favourite clubs, bars and music events. Recommended Post: If Li Ka Shing was 20+ years old now, he would…. What inspired this business idea? I’ve travelled regularly as a DJ, and I’ve seen so many pain-points in the nightlife space. It’s such a hassle for tourists to discover the best nightlife spots, and language barrier makes it even harder to book a table or purchase tickets to...

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What you are missing out that the institutionla

As retail investors, we often perceive ourselves or by others as inferior investors that are incapable of obtaining superior returns as compared to institutional investors. This is partly due to the pre-conception that institutional investors are more sophisticated and knowledgeable where they can utilise complicated strategies with confusing instruments. However, with more and more articles that emphasized the ineffectiveness of active institutional funds and how passive funds are outperforming active funds, you may be swayed towards believing that active funds are lacking. So how do we, retail investors who want to take on a more active investment approach, do...

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If Li Ka Shing was 20+ years old now, he would….

There was an article in the past that went viral. It talked about the advice given to young people by Hong Kong’s richest man – Li Ka Shing. In the article, he talked about splitting our pay into 5 parts, each for a different purpose Recommended Post: Yes! CPF takes 20% of your salary, BUT… 30% – Living Expenses, paying for food etc 20% – Socialising, paying off phone bill + creating connections 15% – Learning, buying of books or signing up for courses/training 10% – Travelling, going overseas once a year to broaden your horizon 25% – Invest, SAVE...

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Yes, CPF takes 20% of your Monthly Salary, BUT….

A lot of people have the misconception that the Central Provident Fund (CPF) takes away 20% of your salary every month. While that is true, there is more to that than just what it seems like. There are a few things you should know about this 20% “pay cut”. Recommended Post: Singapore Retirement, Re-Employment, CPF Withdrawal Age 1) The amount that you give actually decreases as you age At the start, your contribution rate is 20% of your monthly salary As you grow older, the percentage of your salary CPF takes decreases. Source: CPF Board 2) There is a cap...

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Hu Li Yang Gravity Line Investment Strategy

Hu Li Yang 30 Stock Investing Strategies 胡立阳投资股票三十招 What is a Gravity Line? 什么是地心引力线? A stock’s Gravity Line is the average between its 30-day moving average and 72-day moving average. Gravity Line = (30-day SMA + 72-day SMA)/2 Why this weird number? I have no idea, it was mentioned in HLY’s book that he researched about it and found these 2 numbers gave the best results 一个股票的地心引力线是它的 (30日移动平均价 + 72日移动平均线)/2 Use of Gravity Line? 如何利用地心引力线投资? 1) When the stock price falls to 20% below Gravity Line and 2) Stock Volume greater than the average volume for the past 5 days This...

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Why is it call a Bull Market and a Bear Market?

Ever wondered why is a dropping market call a bear market and why is a rising market call a bull market? There is no 100% confirmed story, but the one we present below is one that has been highly circulated over the years. Apparently, it has something to do with the bears attack their prey. Think for a moment how these animals attack their prey. Recommended Post: Singapore Retirement, Re-Employment, CPF Withdrawal Age Bull Market How does a bull attack its prey? It charges at it, the uses its horns to thrust its prey up. The prey getting swing upwards...

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Active or Passive Way of Investing?

Active Investing versus Passive Investing This is the battle that is happening on Wall Street since 1975 when John C. Bogle started the first fund company, The Vanguard Group, in the United States (US) offering to mom-and-pop investors low-cost index funds that aim to mimic the US index returns and charge extremely low cost for it (like 0.1% of the asset per year). Before 1975, active trading (or active fund management) was the only thing available to investors who wishes to get someone to managed their money. These active funds seek to achieve above market returns for their investors,...

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Yes! There is interest on your CPF Housing Grant, BUT…

No, this is not another pro-government blog post. Neither is this another anti-government post. This is purely a post to make sense of the article posted by The Online Citizen. The Online Citizen recently published a post called 6 things you weren’t told about the CPF housing grant. We thought that the content was really new and surprising and that spurred us to do our own research if it was true – especially in current times where fake news is rampant! The Investollo team had done a great job dissecting the CPF Housing Grant, and you can read more...

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What is Contra Trading?

Contra Trading, is the act of 1) buying a stock and selling it before payment date 2) selling a stock and buying it back before payment date In Singapore, after a trade is executed, you have three working days before you need to pay the total cost of the stock. If you buy a stock on Monday, you are only required to pay the total cost of the trade on Thursday. However, in contra trade, you sell the stock before you are required to pay on Thursday. You can sell on Monday, Tuesday, Wednesday or Thursday. This effectively means...

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Crowdfunding: Can it ever be secured?

Now you might be thinking we are hypocrites right now, with all the contrasting views on one topic. Well, that is precisely the reason why we setup this site. It is to provide our two cents on finance related topics so that you can have a more holistic view on issues that impact your finances. Crowdfunding has been around for quite some time and Singaporean investors are definitely aware of this alternative option that they can use to improve their investment returns (if you are new to crowdfunding, you can read more here). There are also some common names...

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When Crowdfunding Fails

Before I proceed, let me make it absolutely clear that I have nothing against crowdfunding. I believe the basic principle behind crowdfunding is sound, and, in a perfect world, it would boost innovation and provide talented, creative people with an opportunity to turn their dreams into reality. Unfortunately, we live in the real world, and therefore it’s time for a reality check: Reality /rɪˈalɪti/ noun The state of things as they actually exist. The place where bad crowdfunded ideas come to die. While most entrepreneurs may feel this mess does not concern them because they don’t dabble in crowdfunding, it...

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Singapore Budget 2017 – U-SAVE GST Vouchers

Announced on the 20th February 2017’s Singapore Budget, Singaporeans will receive their annual U-SAVE GST vouchers for year 2017. The U-SAVE GST Voucher is used to help households reduce their utility bills. This year, there will be an increase in the U-SAVE Vouchers to help families cope with their utility bills that are set to rise. The amount will increase by $40-$120, depending on flat type. This increase is permanent (next year, you can expect to get the same amount of U-SAVE you get this year if you are still staying in your current flat). Recommended Post: Singapore Retirement, Re-Employment,...

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Singapore Budget 2017 – GST Vouchers

Announced on the 20th February 2017’s Singapore Budget, Singaporeans will receive their annual GST vouchers for year 2017. In addition to the normal GST vouchers, this year (like last year), the Government will provide a one-time Special GST Voucher – a Bonus! You will receive a letter in July how much you will get from your GST Voucher. Recommended Post: Singapore Retirement, Re-Employment, CPF Withdrawal Age Eligibility 1) Assessable Income Earned in 2015: $28,000 and below     Yes, your eligibility for year 2017 GST Voucher is dependent on your 2015 income. 2) Age 21 or above in year 2017...

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