5 things you need to invest like Warren Buffett – and why you’d probably fail anyway

He is the leading light for investors worldwide and every word he says is scrutinised and studied by throngs of budding investors. There are endless articles, videos and newsreels out there featuring the life of Warren Buffett and Berkshire Hathaway. It has reached a point where there are listicles citing unverified quotes from Buffett being shared by millions on Facebook. Everyone wants to be a … [Read more...]

11 Malaysian REITs that made you money if you invested from their IPOs

Last week, I wrote an article about 15 Singapore REITs that would have made you money if you invested from their IPOs. Out of the 19 S-REITs that have been listed for listed for at least 10 years, 15 of them gave a positive overall return for investors. In this article, we will look at their counterparts from across the causeway and do a similar study on the performance of Malaysian REITs … [Read more...]

3 ways to make an extra $1,500 a month when you retire

When it comes to financial planning, small and specific goals are best. Aspiring to make $15,000 or $25,000 a month without working is all well and good, but don’t forget to take concrete steps to secure a realistic amount. With some discipline and prudence, it’s not unrealistic to aim for an extra $1,500 a month (on top of CPF payouts) after retirement. Here are three ways: First of all, why … [Read more...]

8 Things I Learned from F &N’s FY2016 AGM

This year I count myself lucky that I’m still able to share the insights I gleaned from Frasers and Neave’s (SGX: F99) recent AGM because I mixed up the location of the meeting and ended up in the wrong place. (I was probably half asleep while commuting!) Fortunately, the actual location was nearby and I rushed there quickly. I did not want to miss the F&N AGM because it is one of the few … [Read more...]

How hoarding money in the bank can destroy your retirement

Despite plenty of better options, many Singaporeans are still stuck with fixed deposits. Some of us are plagued with a “winning by not losing” mentality, where we think hoarding the money is safest. Nothing could be further from the truth. In fact, those who hoard rather than invest are the ones living on the edge. What’s wrong with just cramming money in accounts? The simple answer is inflation. … [Read more...]

Top 10 Singapore REITs that made you money if you invested from their IPO

Lately, Sabana REIT has been getting a lot of attention when a small group of unitholders moved to kick out the manager for delivering poor performance since its IPO in 2010. Early investors who bought Sabana at an IPO price of S$1.05 are now sitting on huge losses – Sabana last traded at just 43 cents per share. If we look at the history, Sabana REIT isn’t alone. There are several other … [Read more...]

5 things I learned from Frasers Centrepoint Trust’s FY2016 AGM

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Bedok Point, one of the Frasers Centrepoint Trust’s (FCT) suburban malls located in the east of Singapore, has been losing its charm ever since a new shopping mall, Bedok Mall, located right next to Bedok Point, came into operation in 2013. The poor performance of Bedok Point is reflected in its net property income from 2012 to 2016: Bedok Point Net Property Income (in SGD millions) Bedok Point … [Read more...]

13 things I learned from Frasers Commercial Trust’s FY2016 AGM

Frasers Commercial Trust (FCOT) (SGX: ND8U) is an office REIT with a portfolio of six commercial office properties in Singapore and Australia. The three office properties in Singapore comprise Alexandra Technopark, 55 Market Street, and China Square Central. FCOT’s overall portfolio is worth around $2 billion. FCOT first listed on the SGX in March 2006 as Allco Commercial REIT before it was … [Read more...]

10 things I learned from Ascendas REIT’s January 2017 EGM

Ascendas REIT (SGX: A17U) is Singapore’s first and largest industrial REIT. It has 102 properties in Singapore and 28 properties in Australia comprising business & science parks, industrial properties, and logistics centres. I attended A-REIT’s most recent EGM where unitholders had to vote on the proposed $420 million acquisition of three science park properties located at 12, 14 and 16 … [Read more...]

Why the USD will go on rising

The US Dollar Index is down a good 3%, to 99.9 on January 25 from a high of 103.3 on Dec 28. The main reason is uncertainty over the future of trade and international relations with the US. Since taking office on Jan 20, President Donald Trump has already yanked the US from the Trans-Pacific Partnership, called for renegotiations to terms of the North American Free Trade Agreement and will soon … [Read more...]

Searching for moats: Moody’s, S&P, and the credit rating industry

New year, new government (radical change, in fact) but same old way of looking at companies – searching for firms with wide economic moats. No matter how crazy Trump’s cabinet pickings will be, how radical his ideas for change may be, or how Russia might act, there will always be some that will be resilient to the noise. Sometimes it’s not just companies that have moats, but entire industries. … [Read more...]

5 things you need to know about Daibochi Plastic & Packaging Industry Berhad

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Daibochi Plastic & Packaging Industry Berhad (Bursa: DAIBOCI) is a classic example of finding an investment idea while grocery shopping in the supermarket. When you visit the supermarket, you will realise that many food products like your Cadbury chocolate bars and Milo sachets require packaging. A company has to produce and manufacture all that packaging — and Daibochi is one of the … [Read more...]

Is it time to sell Apple as it hits its 52-week high?

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Apple Inc. (Nasdaq: AAPL) is probably the most well-known company on the face of the earth and is also the largest public company in the world by market cap. Apple hit a 52-week high yesterday, 17 Jan 2017, when its share price touched $120. It’s market cap now stands at over $629 billion. Have a look at its 1-year chart: Chart: Financial Times The question now is: Can Apple break its 52-week … [Read more...]

5 reasons why you should invest in foreign stock markets

Every investor’s goal is to make as much money as possible by taking the least amount of risk in the stock market. Some investors have avoided investing in foreign stocks altogether because it is commonly perceived as a risky operation. While we may agree that there are risks associated with investing in foreign stocks, it may not be that risky after all if you weigh the pros and cons. In this … [Read more...]

4 common budgeting strategies (that never work)

The best way to learn about budgeting is to eat food court Yong Tau Foo three weeks in a row. Because when you’re broke, that’s going to be your staple diet (Pro tip: if you put in three eggs, you’ll feel super full). After three weeks of that, you’ll be so badly traumatised you’ll never consider another credit card application. But because this article focuses on humane methods, we’ll instead … [Read more...]

The 8 most frequently asked questions investors have asked me – and my answers to them

Questions are one thing we receive a lot at The Fifth Person and many of them, I’m sure, relate to real-life concerns that investors have. When answering these questions over the last 12 months, I found that a number of them were repeated regularly. So I decided to compile and answer the most frequently asked questions for this article. I do believe that these questions (and the answers) will give … [Read more...]

5 things to be wary of when choosing a fund to invest in

Ever since the whole Lehman Brothers debacle in ’08, there’s been a lot of suspicion regarding funds. In truth, Singapore’s tightly regulated finance sector makes it difficult for anyone to scam you (unless you choose to dabble in unregulated products, in which case no one can help). Still, here are some of the common traps to look for: 1. Hidden management fees Ah, you’re savvy enough to know … [Read more...]

3 important things to consider when investing in 2017

Happy new year, everyone! When we can look back at 2016, we can see that it was a pretty eventful year for investors. Amid a slowing global economy, we saw China’s stock market bubble burst, oil prices crash, the introduction of negative interest rates in Japan, a growing 1MDB scandal, a surprise Brexit referendum, and the shock election of Trump – each event causing volatility for markets … [Read more...]

Nominee vs personal depository account – which is better?

In the past, when you purchased a thousand shares of ABC Corp, you would be given a physical share certificate indicating your full name, identification number, home address and the number of shares owned in ABC Corp. Today, with the advancement of technology, shares are no longer represented in a physical certificate but transacted, transferred, and held electronically. In Singapore, the … [Read more...]

4 things you need to know about Nera Telecommunications after its payment solutions sale

Nera Telecommunications’ (SGX: N01) share price has fallen 47% from 77.5 cents to 41 cents (as at 19 December 2016). The reason for this fall is due to the company’s disposal of its payment solutions business unit to Ingenico Group for $88.4 million. If you recall, the initial reason why I invested in NeraTel three years ago was the growth of its payment solutions business. Due to its business … [Read more...]