Author: Investment Stab

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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Should You Invest in the Trump Presidency?

The stock market is down for the first year of a Republican President – excluding the first year he got re-election. We looked back to data from ex-President George W. Bush in 2001 to ex-US President Dwight D. Eisenhower in 1953. We show below the price of the S&P500 for the first year of a Republican President Orange reflects the price at the start of the month Blue reflects the price at the end of the month George W. Bush 2001 George H. W. Bush 1989 Ronald Reagan 1981 Recommended Post: Misconception Singaporeans have on the Re-Employment Age Richard Nixon...

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Stock Market’s Performance in the First Year of a Republican President

The stock market is down for the first year of a Republican President – excluding the first year he got re-election. We looked back to data from ex-President George W. Bush in 2001 to ex-US President Dwight D. Eisenhower in 1953. We show below the price of the S&P500 for the first year of a Republican President Orange reflects the price at the start of the month Blue reflects the price at the end of the month George W. Bush 2001 George H. W. Bush 1989 Ronald Reagan 1981 Recommended Post: Misconception Singaporeans have on the Re-Employment Age Richard Nixon...

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Unemployment with Artificial Intelligence and Automation

Automation and Artificial Intelligence (AI) is a big discussion topic at the World Economic Forum meeting at Davos. Many prominent speakers from politicians to business leaders spoke of both the pros and cons of it. Even in Singapore, our local media has recently published an article that half of the world’s jobs can be gone if businesses just adopt the existing technologies. 30% of what most of us do on a daily basis can be automated away. This means that we could be clocking 30% less hours working or we could see more unemployment. In 1930, Economist John Keynes...

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CPF Home Loan or Bank Loan?

Buying a HDB flat for the first time can be an intimidating experience. It is probably the first big ticket purchase in your life that will take the next couple of decades to pay off, so you would definitely want to rake in as much savings as you can. Perhaps you have not really thought about what kind of loan to take up. If you do not already know, you have a choice between taking up a HDB loan or a bank loan, provided you are eligible for them. You might want to hold on to your cash and pay off your home...

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Singapore Retirement Age, Re-Employment Age and CPF Withdrawal Age

As a follow up to our previous post on the Misconception Singaporeans have on the Re-Employment Age, we decided to go further and explain the difference between Singapore’s Retirement Age, Re-Employment Age and CPF Withdrawal Age. Singapore Retirement Age Singapore’s Retirement Age is set at 62. This means that your employer cannot ask you to retire before you reach 62. This does not mean that you can only retire at age 62.YOU CAN RETIRE ANY TIME YOU WANT, you just have to say “I QUIT” to your boss. Recommended Read: Genting Singapore: A Possible Rekindled Flame? Singapore Re-Employment Age Singapore’s...

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Genting Singapore: a possible rekindled flame?

Back in December 2016, the Japanese government has passed a law that allows casino gambling in integrated resorts which includes hotels and entertainment lodges. Despite the long-standing proposal of this bill, Mr Shinzo Abe was determined to be the one to carry it through and this has certainly hit his public popularity whereby it was stated by a poll from Kyodo news agency, public approval rating fell from 60.7% in November to 54.8% in December for Mr Abe’s government. In my opinion, this is could be a potential case of “doing what is right for the nation instead of...

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Misconception of Re-Employment Age Extension

Singapore Parliament have recently made changes to the Retirement and Re-employment Act, these changes will act to protect and encourage older workers to participate in Singapore’s economy. Some of the changes made includes: Companies must now offer employees the eligibility to work until 67. Previously it was until 65. Companies are not allowed to reduce the salary of employees who turn 60 from July onwards. If the company is unable to find work for the older employee, the company can transfer the older employees to their subsidiaries  transfer the older employees to other companies if the employee agrees to the...

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Top World News in 2016

As we near the end of the year, it is the time we recap the major news that occurred during this period. It is probably not a very good year. We started with Zika, and ended with President Barrack Obama leaving the White House (bad to worse). But of course, there are some moments in 2016 that are worth rejoicing about – or at least there is ONE! February: Zika Virus Epidemic The World Health Organisation (WHO) declared Zika Virus outbreak as a Public Health Emergency of International Concern after it started spreading like wildfire in Latin America, America,...

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ShopBack: Save with Coupons, CashBack and more!

While I was googling for alternatives to reduce my expenses, I realised that apart from reducing takeout and preparing my own meals, there was an on-going trend of online retailers dealing in all kinds of products. They vary from groceries to mass e-retailer Amazon. With the introduction of these e-retailers, consumers now enjoy an additional option when it comes to shopping! The fierce competition between these new entries and the old brick-and-mortar retail stores have resulted in lower prices – this only stands to benefit consumers! Furthermore, these new entries also periodically give out coupons or hold one-off sales...

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Singapore Stocks Market: Outlook

I was browsing through the different stock prices as usual. Given the recent spate of local M&As and delisting manoeuvres, it seems to me that the number of quality stocks have decreased in our local bourse. With well-known local companies such as OSIM, SMRT and Eu Yan Sang International delisting, is the local market valuation truly too low as compared to the global valuations? A simple Google search can give you the results. Here’s what I found (Credits to My Stocks Investing Journey Blog): Singapore’s STI had the lowest PE ratio of 12.01 relative to the global average PE ratio...

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Hu Li Yang’s Half by Half Theory

Hu Li Yang’s theory: 1) If an index’s price drops by 50% from its peak, it has entered an “fair value” price point 2) If an index’s price drops to around 25% from its peak, it has entered a “extremely undervalue” price point 3) When recovering from the bottom, the index will always face selling pressure at 2x the bottom price 4) During a bear market rebound, you can forget about fundamentals and enjoy the collective rising stock prices. 5) Many more theories listed on his book (30 theories/techniques)! *click on the image to buy a copy of his...

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Stop Advertisement Letters in Mailbox in 3 Steps

Are you tired of seeing a large number of advertisement mails in your letterbox? There is a way for you to opt out of the service! Simply click on the link below and follow the steps: LINK Step 1: Follow the image and fill in the boxes Step 2: Fill up your contact details and your address Step 3: Confirm you wish to opt out of the advertisement mail and submit your enquiry Recommended Post: Are you Over-Insured by $46,000? Do note that however, sometimes, there are certain useful advertisements that ends up in your letter box – like the...

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Godfather of Asian Stock Market is Back!

The Godfather of Asian Stock market, Hu Li Yang, is back in Singapore to share with us his view on the investing opportunities and risks in year 2017! Spend 1 full day learning from the Man himself as he would discuss his views and how investors should position their portfolio for the rest of 2017! Mr Hu previously held the position of Vice-President of Securities in Merrill Lynch in the 1980s, then the biggest securities firm in America. In 1986, he gave up his high paying job and return home to Taiwan to develop and educate its people on...

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Major news last week, what it means for Singapore stocks: #ICYMI

Last week, oil rallied to its highest level in the year at $54 a barrel. This was mainly due to the OPEC’s agreement to cut its output by almost 1.2 million barrels. The oil price rally was also due to the expectation where the market did not expect an agreement to be reached, as well as the more-than-expected production cut. Though an agreement has been met, there has been much skepticism as to whether the members will hold to the production levels as there are numerous times where its members have violated the group’s decisions for self-interest. This is...

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