Author: The Fifth Person

How much money do you need to start investing in the stock market? Not much actually…

One common question we get from readers from time to time is: “How much money do you need to start investing?” It usually comes from younger readers who are just starting their careers, have saved up a little bit of money, and are now looking for ways to grow and invest it. But they’re not sure if they have enough saved up to start investing in the stock market. As we touched on previously in this article, you don’t need a large sum of money to get started. In fact, it’s best to start off small and grow your...

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16 things you need to know about Public Bank before you invest

Public Bank Berhad (Bursa: 1295) is the third largest banking group in Malaysia. As I write, Public Bank is worth RM78.62 billion in market capitalization. In this article, I’ll bring a detailed account of Public Bank’s tremendous success and achievements thus far and its outlook towards the near future. Therefore, here are 16 things you need to know about Public Bank before you invest. Track record 1. Public Bank has achieved a CAGR of 13.45% in loans, advances and financing assets over the last 10 years. It increased from RM82.79 billion in 2006 to RM292.43 billion in 2016. This...

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This is one company that might ride on the remarkable growth of AirAsia

The story of AirAsia is almost like a fairy tale. Co-founders, Tan Sri Tony Fernandes and Datuk Kamarudin Meranun bought over a failing airline for a token sum of RM1.00. They then built it up to become one of the largest low-cost carriers in the world. Today, AirAsia continues to grow aggressively. Its revenue has grown from RM2.6 billion in 2008 to close to RM7.0 billion at the end of 2016. The company has also launched multiple associate airlines in many countries outside of Malaysia and a new long-haul low-cost carrier, AirAsia X. Yet, the airline industry continues to...

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4 things you need to aim for before you can retire comfortably in Singapore

There are plenty of Singaporeans who have the capacity to retire, but still find themselves working. Some of these people work because they enjoy it, and that’s a great thing. But at the same time, some of them keep working out of fear. Many of us have a nagging suspicion that if we stop working now, we can’t start again (we’re too old to be rehired, etc.) and haven’t built a big enough retirement fund. To allay your worries, here are some guidelines on when it’s “safe” to truly stop working: 1. Check if your retirement expenses meet the...

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13 things you need to know about Maybank before you invest

Malayan Banking Berhad (Maybank) (Bursa: 1155) is Malaysia’s largest and Southeast Asia’s fourth largest banking group. As of 3 August 2017, Maybank is worth RM98 billion in market capitalization. It is the closest stock in Malaysia to exceed the RM100 billion mark presently. In this article, I’ll bring a detailed account of Maybank’s tremendous success and achievements thus far and its outlook toward the near future. Therefore, here are the 10 things you need to know about Maybank before you invest. Track record 1. Maybank has achieved a CAGR of 13.81% in loans, advances and financing assets over the...

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9 things I learned from the 2017 Singapore Airlines AGM

How do you become a millionaire? Sir Richard Branson has the answer: “If you want to be a millionaire, start with a billion dollars and launch a new airline.” As the founder of three airlines, Sir Branson made this joke as a point to how challenging the airline industry can be. Although more and more people are flying ever year, the industry is susceptible to intense price competition, volatile fuel prices, paralysing labour strikes, unpredictable weather conditions, and ongoing safety concerns. Even as one of the top airlines in the world, Singapore Airlines Limited (SIA) (SGX: C6L) is not...

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8 things I learned from the 2017 Mapletree Commercial Trust AGM

Mapletree Commercial Trust (MCT) (SGX: N2IU) is a REIT with a portfolio of office and retail properties in Singapore. The jewel in MCT’s portfolio is VivoCity, Singapore’s largest mall, which continues to enjoy strong sales and shopper traffic due to its location as the only megamall in the area and its proximity to Sentosa. Besides VivoCity, MCT’s portfolio also comprises PSA Building, a 40-storey office block and a three-storey retail centre known as Alexandra Retail Centre; two premium office buildings, Mapletree Anson,  and Merrill Lynch HabourFront; and one of the largest office and business park complexes in Singapore, Mapletree...

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8 things I learned from the 2017 Singapore Post AGM

In recent years, Singapore Post (SingPost) (SGX: S08) has been facing challenges regarding its corporate governance and the S$230 million acquisition of TradeGlobal – a loss-making e-commerce company based in the U.S. In May this year, SingPost reported a massive S$185 million impairment loss on TradeGlobal after admitting the acquisition had “underperformed”. To make things worse, just days before SingPost’s 2017 AGM, a summary report on the review of SingPost’s acquisition of TradeGlobal was released by the law firm WongPartnership. The report exposed problems with SingPost’s corporate governance and the lack of due diligence surrounding the TradeGlobal deal. With...

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8 things you need to know about Petronas Dagangan before you invest

Are rising petrol prices good or bad? If you are quick to say that it is bad, most likely, you are a consumer of fuel. Besides the pump, high cost of fuel does affect our daily living. It impacts prices of just about everything. This includes what we eat, what we buy, and even where we choose to live. In Malaysia, locals are conscious of petrol prices. This is because we are a nation of drivers and car owners. Local travel is inconvenient as the public transportation system is relatively inefficient. Without a car, most of us are crippled...

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8 things I learned from the 2017 Mapletree Greater China Commercial Trust AGM

Mapletree Greater China Commercial Trust (MGCCT) (SGX: RW0U) is a REIT with a portfolio of retail and office properties located in Greater China. It currently has three properties in its portfolio: Festival Walk, a retail mall with an office component in Hong Kong; Gateway Plaza, a premier Grade-A office building in Beijing; and Sandhill Plaza, a premium business park in Shanghai. As at 31 March 2017, the portfolio was valued at S$6.2 billion. MGCCT released a positive set of results when I attended its last annual meeting in 2016 despite the slowing Chinese and Hong Kong economies. Will the...

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13 things I learned from the 2017 Mapletree Industrial Trust AGM

Mapletree Industrial Trust (MIT) (SGX: ME8U) is a REIT with a diversified portfolio of 86 industrial properties located in Singapore. The properties have a total gross floor area of 20.1 million square feet and include flatted factories, hi-tech buildings, business parks, and light industrial buildings. As at 31 March 2017, MIT’s portfolio is valued at S$3.7 billion. While the Singapore economy grew 2.5% year-on-year for the second quarter of 2017, the industrial sector remains challenging due to continued new net supply of industrial space and global trade uncertainties. How will this affect MIT since it is currently an entirely...

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15 things I learned from the 2017 Mapletree Logistics Trust AGM

Mapletree Logistics Trust (SGX: M44U) is an Asia-focused logistics REIT with a diversified portfolio of 127 logistics and warehouse properties in Singapore, Japan, Hong Kong, South Korea, China, Australia, Malaysia, and Vietnam. As of 31 March 2017, MLT’s total portfolio was valued at S$5.5 billion. I attended MLT’s 2017 annual meeting to assess its past year’s performance in the midst of an uncertain global economic climate and a challenging Singapore market due to an oversupply of warehouse space here. I also wanted to find out about the management’s outlook on the regional markets as the Trust continues to broaden...

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How to open a brokerage account in Singapore

We get emails time to time from readers who are new to investing about how to open a brokerage account in Singapore. Most of time, we simply point them to our stockbroker (who basically sets everything up for them). But we realised there are other people who may also be interested in knowing how to open a brokerage account — and the things that go into choosing the right broker — but just haven’t gotten around to asking how it’s done. So we decided to do a quick, simple guide on how to open a brokerage account for those...

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13 things you need to know about Petronas Chemical Group before you invest

Let us take a moment to look around. Perhaps, as you’re reading this, you could be at home, in the office, or even travelling. Most things, if not everything, that you can see, touch, and consume have petrochemicals. They are found in a variety of products, ranging from fertilisers to food packaging, from paints to printing inks, and from vitamins to soaps, shampoos and even cosmetic products. Every day, we consume products that contain petrochemicals. They play a major part in modern living. Global consumption of petrochemicals is projected to rise as demand for plastics, textiles, automobile, healthcare, food...

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11 things I learned from the Digi.com 2017 AGM

Telecommunication companies are usually favoured by investors for their resilient business models and attractive dividend yields. However, over the past few years, industry prospects have become less appealing due to a maturing domestic market in Malaysia, slower growth, and downward pressure on earnings from heightened competition and increasing costs. In order to stay competitive and meet the changing trends in consumer demands (especially the demand for internet data), telcos are left with no other choice but to upgrade their infrastructure while improving their product offerings and service quality. Consequently, capex has risen significantly and affected profitability. For many years,...

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