Author: The Fifth Person

Interest Rates Projected to Rise 0.5% by December 2015

Singapore’s interest rates are linked to global interest rates and substantial savings can be made from reduced mortgage expenses especially when we are in the initial stage of rate cycle US economy is recovering steadily as seen from its strong labor market for the past 5 years. Greater income is encouraging Americans to buy their own homes boosting the housing market and consumption Pockets of weakness exist but the Federal Open Monetary Committee projects that it would raise rates by 0.5% this year. The full effect on the US economy takes at least 18 months but SIBOR is more...

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8 Reasons Why I Love Dutch Lady as an Investment

Image: Dutch Lady I previously shared an article on The Fifth Person titled “7 Reasons Why Nestlé is on My Dividend Watchlist”. If you are familiar with Malaysia’s stock exchange, you will know that Nestlé’s closest peers is Dutch Lady. These two companies have always been compared apples-to-apples by investors. I decided to dive in further and find out more about Dutch Lady. In my research, I discovered eight interesting facts about Dutch Lady that made it a solid and stable investment. But before I move onto the eight points, let me share a little bit more about the...

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Willing Hearts: Cooking 4,871 Meals in a Day for the Needy

The Fifth Person was up dark and early one special morning on 20 June as we volunteered our time to Willing Hearts – a non-profit organization that  provides daily meals and other support services to the underprivileged, the needy, and other marginalized members of society. We reached Willing Hearts central kitchen at 5:00 am in the morning (still dark!) to start cooking meals that will be given to the needy later during the day. The target number of meals that day: 4,871. Wow! We got going immediately. There were many ingredients that needed to be prepared before cooking began: vegetables, meat, eggs,...

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Smart Nation Opportunities and the 2 New Companies on My Watchlist

Singapore’s Smart Nation Program is progressing steadily and the two key ministers to look out for are Yaacob Ibrahim and Vivian Balakrishnan for new developments in the news Latest stage would involve logistics and health care as new frontiers are being pushed for the private sector. For the public sector, there are plans are for sensors and AG Boxes for city management. M1 and ST Engineering are likely winners. M1 participated in the trials last year at Jurong District. ST Engineering has already produced a customized product and have past experience. Only time will tell if M1 and ST...

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8 Quick Things I Learned from Capitaland Commercial Trust’s AGM 2015

Photo: Capitaland One gentleman in his early fifties who identified himself as Mr Wong bought CapitaCommercial Trust (CCT) in 2009 when CCT was in distress due to the 08/09financial crisis. He held on. Today, his dividend yield is easily in the double digits every single year. As we all know, investing in real estate investment trusts (REITs) boasts predictable and stable returns, and Mr Wong doesn’t the idea of uncertainty. He asked: “Is there a succession plan for the board of directors? Otherwise, I do not know what my future will be. On succession, we must also consider female...

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Annual Returns of Asset Classes Over the Last 20 Years

As we know, there are multiple asset classes you can invest in for your portfolio, but which asset class gives you the best returns? Deutsche Asset & Wealth Management did some research on the U.S. markets and ranked the annual returns for key indices– which represent the various asset classes — from 1995 to 2014 and these are the results (click below to enlarge):   Source: Deutsche Asset & Wealth Management The key indices used for this report: So what does the research tell you? As you can see, no asset class stays on top (or at the bottom) for long....

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Dividend Machines All-Access Workshop – 13 June 2015

Are you looking for a formula that can consistently pick out the best companies to invest in and make you a LOT of money in the stock market? If you are, then this might finally be the answer you’ve been looking for. Because this is the same exact formula we used to create 7-figure results in a single stock portfolio – and we did it in just two years. Find out what this formula is right here. Do you think that it’s nearly impossible to double or triple your investment in blue-chip stocks? If you want the stability and...

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3 Reasons Why the Drop in Sibor was Temporary and Why It Will Continue to Rise

Photo: Ramir Borja Misplaced expectations of US 1Q2015 growth despite the harsh winter led to disappointment when actual results came out Fed Chairman Yellen came out to address this misconception as statistical noise and defended the robust recovery of the US economy USD surged in response and indicated the market’s acceptance of Yellen’s defence Hence it is likely that US interest rates would still rise this year and that the SIBOR will rise accordingly too The recent decline of the Sibor made the news recently in this Channel NewsAsia article. When I wrote the first Sibor article back in...

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4 Reasons How Vertical Integration Allows Wilmar to Dominate its Industries

Photo: Marufish In my previous article on Wilmar, I mentioned that very few companies in Asia have a vertically integrated business model like Wilmar. So what is vertical integration and how does it lend multiple advantages to a company like Wilmar? A vertically integrated model means that a supply chain of a company is owned by that company itself – the company owns the manufacturer, supplier, distributor, retailer, etc. In Wilmar’s case, the company owns the: Oil palm plantations that produce the oil palm fruit Milling plants that produce crude palm oil from the fruit Refinery plants that refine...

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8 Quick Things I Learned from Wilmar’s AGM 2015

Kuok Khoon Hong, CEO of Wilmar, is expecting better results this year and he believes that Wilmar is going to pay big dividends one day. Why does he thinks so? “I have a lot of money in this company. If the investments [referring to ventures in Africa] were very risky, I wouldn’t go in at the first place.”   As Kuok answered minority shareholder’s concern on expansion into Africa, he continued, “I can’t see the whole of Africa going down and even if it does, we can afford the risk. It is one continent we have one big advantage...

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3 Great Companies I Found on Scuttlebutt While I Was in Thailand: BreadTalk

This article is Part 3 of the three-part series — 3 Great Companies I Found on Scuttlebutt While I was in Thailand. You can read Part 1 and Part 2 here. An article by The Fifth Person previously mentioned that Thailand will be BreadTalk’s third key growth market of growth, after Singapore and China. It took nine years to open 19 BreadTalk bakeries and Toast Box outlets in Thailand. With its joint venture with Minor Group, BreadTalk’s expects to open 60-100 new outlets in the next ten years in Thailand from 2015 onwards. As an investor, we are always eager to match what...

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Nepal: One Month Later

The Fifth Person made a donation to the International Medical Corps when the first devastating earthquake hit Nepal a month ago. They recently emailed us and shared a video of how the International Medical Corps has been helping with the crisis there. International Medical Corps has been on the ground from day one, delivering lifesaving care to survivors in some of the country’s most remote areas, in some cases using helicopters or travelling on foot to reach them. And it’s people like you who made it happen. Please take a moment to watch this video to find out more about what your support has...

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Ray Dalio: Investment Legend

After the media obsession with Warren Buffett, it is time to turn our attention to noted billionaire investor Ray Dalio of Bridgewater Associates. Ray predicted the 2007 Credit Crunch and has earned the respect of both the public and private sector. His “beautiful deleveraging” theory helped in the subsequent economic recovery. Ray advanced his advice of humility when making financial decisions and also his opinion that the Fed should not rise interest rates this year. Warren Buffett and his company, Berkshire Hathaway, are well-known icons in the world of investing and even to the general public. It is a...

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3 Great Companies I Found on Scuttlebutt While I Was in Thailand: Major Cineplex

Photo: Hua Hin Paradise City This article is Part 2 of the three-part series — 3 Great Companies I Found on Scuttlebutt While I was in Thailand. You can read Part 1 here. What’s a vacation in Bangkok like if you don’t visit the city’s busiest shopping district and its famous crown jewel, Siam Paragon mall? I was there various times to (window) shop, dine, and watch a movie. While there are a plethora of brands and shops in the mall, I noticed the cinema was run by Major Cineplex Group (SET: MAJOR). Major Cineplex Group is Thailand’s leading lifestyle...

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Dividend Machines All-Access Workshop – 23 May 2015

Are you looking for a formula that can consistently pick out the best companies to invest in and make you a LOT of money in the stock market? If you are, then this might finally be the answer you’ve been looking for. Because this is the same exact formula we used to create 7-figure results in a single stock portfolio – and we did it in just two years. Find out what this formula is right here. Do you think that it’s nearly impossible to double or triple your investment in blue-chip stocks? If you want the stability and...

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