Author: Investment Stab

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...

Read More

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...

Read More

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,...

Read More

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...

Read More

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...

Read More

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...

Read More

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...

Read More

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...

Read More

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...

Read More

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...

Read More

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...

Read More

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,...

Read More

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...

Read More

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...

Read More

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...

Read More

Like us on Facebook

Follow us on Twitter