Author: The Fifth Person

The Pros & Cons of DRIP Investing

A Dividend Reinvestment Plan, abbreviated as “DRIP” is a very important portion of any dividend investor’s portfolio. As mentioned in my previous article, I utilize this service in my dividend investing portfolio. Although there are many advantages of DRIP investing, there are also some disadvantages. In this article, I will analyse the pros and the cons of DRIP investing. But before all that, here is a short introduction to the program. A Short Introduction: What Are DRIPs? When an investor signs up for a dividend reinvestment plan, dividends received by the investor from the company will automatically be used...

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How to Win the ‘Game of Money’…

Are you frustrated with your financial situation in life right now? Are you upset that NO matter how hard you work, you can barely make enough to pay your bills every single month? With the limited amount of savings you have, you wonder how you’ll ever grow your wealth and escape the rat race. Catch Us LIVE in Singapore and Kuala Lumpur in March! Do you want to receive stable, passive income from your investments year after year? Then discover the 8 steps to create your own ‘Dividend Machines‘ and build multiple streams of passive dividend income for life! Are you looking...

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Why Dividend Investing is for Me (and for You Too!)

Many people whom I meet have asked me, why I’m a dividend growth investor and what my purpose is. There are a few reasons why I chose to mainly invest my funds in this segment of companies within the stock market, and all these reasons will be discussed in depth in this article. But for a more all rounded understanding of the overall concept, I will share some of my personal dividend investing goals, rules and strategies before going into the factors that pushed me towards dividend growth investing. My Personal Investing Goal I discovered how lethal inflation was...

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How to Build a Dividend Empire

In this video, discover how anyone can build a massive dividend empire and create multiple streams of passive income through income investing. If you like receiving dividends year after year, watch this! Catch Us LIVE in Singapore and Kuala Lumpur in March! 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...

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Good News for REITs after Singapore Budget 2015 and Why REITs Offer a Steady Income Stream for Investors

Photo credit: chensiyuan Singapore Budget FY2015 extended income tax and GST concessions for REITs Why owning REITs has its advantages over owning physical properties Wide variety of REITs in Singapore to choose from to suit your needs. Over 34 REITs with a total market capitalization of $66.7 billion. Retail REITs’ yields are expected to have strongest growth this year Selection criteria for REITs with 5%-7% yield, debt exposure among others Five years of tax concession and why REITs, such as CMT, offers a stable income stream for investors Singapore Budget FY2015 Tax Break The Singapore Budget for Financial Year (FY)...

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3 Ways to Increase Your Wins in Investing

If you have invested for long enough, people will tell you that investing is a game of probability. The objective is to achieve more winners than losers in your portfolio. So how can investors like you increase your win odds in investing? Before we move on, we have to understand the expectancy formula: Expectancy = (Win Probability X Average Win) – (Loss Probability X Average Loss) Expectancy is mostly used by traders and it can be helpful for investors to understand this formula as well. Let me explain expectancy through a coin toss game: Imagine tossing a coin. If...

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7 Things I Learned from F&N’s AGM 2014

This is the very first meeting I fell asleep at. Really. And yes, it was rude of me! F&N owns branded beverages such as the isotonic drink ‘100 Plus’, soya milk ‘Nutrisoy’ and other flavored drinks branded under ‘F&N Seasons’. In fact, according to the company’s annual report, these few key products are the number one brand in their categories in Singapore and Malaysia. The kind of businesses F&N owns might explain why I fell asleep: a stable, ‘boring’ business with resilient revenues and earnings regardless of market conditions. F&N has been a stable and predictable investment allowing its...

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Happy Lunar New Year 2015!

Here’s wishing all of you (and all of us) greater prosperity, fortune, and luck in the year of the goat! ALso do join us at our Singapore and KL events and “Huat” this new year! 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...

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How to Cope With Higher Inflation and Falling Wages in Singapore

2014 was a year of mild deflation for Singapore but wages slid at a faster rate Oil has made a bottom at $45 in January 2015 and it is raising towards $58 and beyond, signalling the start of higher oil prices and inflation Two-pronged investment approach as seen in Ezion and SBS Transit examples below Year of Mild Deflation in 2014 It is a well known fact that Singapore is the most expensive city in the world to live in. The recent strong Singapore Dollar has brought us to the number 1 spot in the world. You might not know...

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Rising Interest Rates and How It Will Affect REITs in Singapore

Events that happen in the United States may seem far away and disconnected from our daily lives. However while the average Singaporean can safely ignore President Obama’s State of the Union Address to Congress on 20 January 2015, they should pay some attention to the Chair of the Federal Reserve, Janet Yellen. This might appear counterintuitive given that Obama is the most powerful person on Earth and has more media exposure. However this article will show why we should pay more attention the Federal Open Market Committee, more commonly referred to FOMC. The FOMC is the main monetary policymaking...

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The Pros & Cons of Investing in Commodities

A commodity is a basic good that can be bought and sold. The purchase and sale of commodities is usually carried out through futures contracts on a commodities exchange. A commodity has no or hardly any differentiation – one ounce of gold is the same as any other ounce of gold. Examples of commodities include gold, silver, iron ore, copper, wheat, rice, coffee beans, sugar, salt, etc.  Soft commodities are goods that are grown, while hard commodities are extracted from mining. Energy commodities include crude oil, coal, natural gas, electricity, etc. The Pros Exposure to different growth opportunities. A...

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4 Reasons Why Spinoffs Outperform the Market Index

In 1993, Patrick J. Cusatis, James A. Miles and J. Randall Woolridge did a research study on the stock performance of spinoff companies from 1963 to 1988. From the research, they found that spinoffs outperformed the S&P 500 by about 10% per year in the first three years of their independence. The study also found that parent companies of spinoffs also outperformed the index by more than 6% per year for the same three years. A 1999 McKinsey study researched the performance of spinoffs between 1988 and 1998 and showed that spinoffs gave shareholders 27% annualized returns over two...

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The Pros & Cons of Investing in Real Estate

Real estate is property consisting of land or buildings. Real estate is divided into three broad categories – residential, commercial, and industrial. For many people, real estate is the asset class they are most familiar with as virtually everyone is aware of the houses, condominiums, malls, shops, office buildings, factories, etc. we see in everyday life. Likewise, many people invest in real estate when they buy their first home. The Pros Stable returns. Real estate prices worldwide have generally trended upwards, giving investors decent, stable returns over the years (with the exception of housing busts). The US house price...

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