Author: The Fifth Person

Temasek retail bond: 5 things to know before you invest in the T2023-S$ bond

Back in June, Temasek’s wholly-owned subsidiary, Azalea Group, offered the Astrea IV bond to retail investors in Singapore. The bond was the first ever private equity backed-bond to be listed here. This week, Temasek once again broke new ground with the T2023-S$ bond offer — it is the very first time that Temasek bonds are open to retail investors in Singapore, which was previously available only to institutions and accredited investors. For those who don’t already know, Temasek Holdings is a private investment company fully-owned by the Singapore government that manages a portfolio of assets worth S$308 billion (as...

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How we made 59.4% returns (and growing) investing in Dairy Farm International

I know the title of this article sounds a like a boast but if you bear with me and read the article to the end, I’ll reveal the investment thought process that led to why we decided to buy and, subsequently, sell our stake in Dairy Farm International. History Back in October 2015, I publicly presented my analysis on Dairy Farm International at InvestX Congress. Those who attended the live event would have learnt that Dairy Farm has a deep history stretching back as far as 1886. The company began selling cow’s milk as founder Sir Patrick Manson realised...

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5 things to know before you invest in the Phillip SING Income ETF

A year ago, Phillip Capital Management, along with Lion Global Investors, launched the Lion-Phillip S-REIT ETF. The ETF aimed to give investors a way to invest in a diversified basket of Singapore REITs (S-REITs) which paid a steady stream of distributions. (At the moment, the average distribution yield for S-REITs is 6.8%.) The ETF was met with a largely positive response from the market – Lion Global Investors and Phillip Capital Management initially aimed to raise S$40-50 million but exceeded their target when the fund raised over S$100 million last October. Capitalizing on the Singapore market’s appetite for yield,...

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4 simple ways to maximise and grow your CPF savings for retirement

Whether you’re a fan or critic of the CPF, we all have to admit that it is a fact of life in Singapore. So why not make the most of it and maximise your CPF savings for your retirement? While the limitation of your CPF savings is that you can only withdraw it when you reach 55 years of age, the upside is that you’re putting your money in a effectively risk-free AAA-rated investment that pays you 4% returns annually. You’d be hard-pressed to find anything like that elsewhere in the markets. So if you’re the kind that doesn’t...

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12 things to know about Axis REIT before you invest (updated 2018)

Axis REIT is the first Islamic business space and industrial REIT to be listed on Bursa Malaysia. As at 30 June 2018, Axis REIT has a portfolio of 42 properties worth RM2.66 billion. In this article, I’ll cover Axis REIT’s results for the last 10 years and discuss its plans for growth in the near-future. Here are 12 things to know about Axis REIT before you invest: Group financials 1. Axis REIT \expanded its portfolio size by a compound annual growth rate (CAGR) of 14.91% for the past 10 years — from 19 properties worth RM730 million in 2008...

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12 things I learned from the 2018 SGX AGM

Singapore Exchange (SGX) is an equities, fixed income, derivatives, commodities, and foreign currency exchange. SGX operates the largest stock market exchange in Southeast Asia with nearly S$1 trillion in total market capitalisation of listed equities. SGX is also Asia’s largest debt securities exchange with more than 3,100 bonds from 47 countries listed. As an exchange operator and a regulator, SGX occupies two roles which are usually separated – for example, the independent Securities and Exchange Commission regulates the New York Stock Exchange and Nasdaq in the U.S. Because of its dual roles, SGX has had to deal with criticism...

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5 best sources to read to find new investment ideas in Singapore

One of the many common issues faced by investors is the trouble at finding new investment ideas. Some investors expect great investment ideas to appear on their laps without any effort on their part but, in fact, finding new investment ideas requires you to actively look for them. And, sometimes, the best way to find new ideas is to simply start reading. You’ll be amazed at the number of potential companies you can invest in by scanning the news and writings around you. For investment ideas in Singapore, these are the five best sources I recommend and personally read...

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The 5 key principles of highly successful investors

Do you want to be a successful investor? Well, good news! You don’t need a superior intellect, be a math genius, or possess a CFA to be one. However, what you do need is a level of emotional stability and a set of key principles to guide your decisions. Like Buffett said… “If you are in the investment business and have an IQ of 150, sell 30 points to someone else. You do have to have an emotional stability and an inner peace about your decisions.” – Warren Buffett Without a set of guiding principles, it’s easy to get...

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12 things to know about YTL Hospitality REIT before you invest

YTL Hospitality REIT (YTL REIT) is presently the only REIT listed in Malaysia that invests specifically in hospitality assets. As at 30 June 2018, it owns a portfolio of 14 properties valued at RM4.31 billion. In this article, I’ll bring a detailed account of YTL REIT’s developments since its listing, its financial performance, and its plans for future growth. Here are 12 things you need to know about YTL REIT before you invest: Portfolio reshuffling 1. YTL REIT was originally listed as Starhill REIT (separate from Starhill Global REIT which is listed on the SGX) on 16 December 2005....

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7 things we learned from the 2018 Telekom Malaysia AGM

Telekom Malaysia Berhad is one of the largest government-linked companies in the country. The company employs more than 28,000 people and has a market capitalisation of over RM24 billion. Throughout the years, Telekom Malaysia (TM) has evolved from being the country’s national telco for fixed line, radio, and television services into one of Malaysia’s largest broadband service providers. Its broadband service – unifi — has over 2.3 million customers. When we reached the venue for the AGM, it took us by surprise as the place looked like a day out for the family instead! There were staff encouraging people...

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The top 5 must-read books on investing for beginners

One of the most frequent questions I get is, “I just started to learn how to invest, which books do you recommended on investing for beginners like us?” I always believe that reading the right books — about all areas of life and not just about investing — is important because the best ones will shape your thinking and make a positive impact in your future. Therefore, I can be rather particular in choosing the right books to read. So where do start if you’re looking for the best books to read on investing for beginners? I’ve personally read...

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7 things I learned from the 2018 Singapore Airlines AGM

When I attended the Singapore Airlines 2017 AGM the year before, the airline was in the midst of a challenging period – the group had reported a 55% drop in net profit and suffered over a billion dollars in losses in fuel hedging costs over the last two years due to the plunge in oil prices. Things are looking better for Singapore Airlines (SIA) this year as it reported a 69.8% increase in operating profit year-on-year to S$1.06 billion, and a 147.8% increase in net profit to S$892.9 million. In July, SIA was also named the world’s best airline...

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4 free investment apps to track your stock portfolio performance

Weight loss is a numbers game. Unless you can somehow violate the laws of thermodynamics, you need to expend more calories than you consume if you want to lose weight. And the only way to do that is to keep track of your calories and measure your weight to know whether you’ve made any progress. It is the same when it comes to investing — how would you know how well your stock portfolio is doing unless you track your investments? You’d be surprised but many investors don’t know when their stock positions were opened/closed, how much money they’ve...

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12 things to know about Pavilion REIT before you invest

Pavilion REIT (PAVREIT) is the largest retail-focused REIT in Malaysia. As at 30 June 2018, its portfolio is valued at RM6.29 billion. In this article, I’ll be covering the performance of PAVREIT’s individual properties, its overall financial results, and discuss its ability to grow its income distributions in the near future. Here are 12 things to know about Pavilion REIT before you invest: Portfolio 1. Pavilion Kuala Lumpur Mall is a leasehold seven-storey retail podium located strategically at Jalan Bukit Bintang, Kuala Lumpur. The property is valued at RM4.55 billion. As at 30 June 2018, it enjoys a 98.7%...

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