Author: The Fifth Person

10 Quick Things I Learned from Singtel’s AGM 2015

The talk of the town in recent months in the telco industry is the impending entrance of a fourth telecommunications company in Singapore and the online backlash surrounding Singtel CEO’s, Chua Sock Koong, high remuneration. Ms Chua took home a salary of S$1.68 million and a variable bonus of S$3.83 million for the year. These two questions were immediately brought up by one shareholder during Singtel’s AGM: “There is a news coming out that a fourth operator is coming in. How does that affect Singtel and why is the CEO’s variable remuneration more than the fixed remuneration. Can the...

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The One Ratio to Use When Valuing an Insurance Stock

You see friends, family and perhaps yourself worrying about health, property, or cars. What do they rely on to eliminate those worries? Insurance. If you’re reading this, you are probably covered by some sort of insurance. Houses and cars in Singapore are the only two entities wherein insurance is a necessity. It’s a business that has existed for thousands of years and will continue to do so for a very long time. Those well-read on Warren Buffett’s investments and his strategies know all too well that Berkshire Hathaway’s insurance companies are one of the main engines of growth that...

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STI Falls 5.07% from 52-Week High on Weak Q2 GDP Growth

Photo: TODAYonline The Ministry of Trade and Industry reported that Singapore’s Q2/2015 GDP estimate shrunk by 4.6%. Manufacturing growth fell 14% and this was due to transitory factors in the US and also structural challenges in manufacturing. Structural challenges include the effect of continued low oil prices with the historic lifting of the Iranian oil sanction and the onshoring phenomenon which affects the Asian supply chain. The impact can be seen on the STI which has fallen 5.07% from its 52-week high despite the resolution of the Greece bailout and the China stock market recovery. Economic data are always...

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The Joys and Pitfalls of Owning a Credit Card in Singapore

If you don’t have a credit card, you probably feel smug when you hear about another bankrupt on the news. You’re financially prudent! It would never happen to you because you don’t use plastic! Well you’d better take a seat, because most of your assumptions are wrong. In fact, you’re probably wasting more money by not using credit as a mode of payment: The Joys of Credit Cards Why own a credit card? The main reason is not to be able to borrow money. In fact, relatively few people with credit cards are frequent revolvers (people who consistently fail...

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5 Reasons Why You Should Invest in Dividend Stocks

Here at The Fifth Person, we’re big on dividends – it’s a great way for many, many people to generate stable, passive income that will grow in time and allow them to retire financially free. Granted, it’s not the only way to invest and we also employ other investment strategies (like value-growth investing) in our portfolio as well, but if what you’re seeking is a proven way to generate stable investment returns and high amounts of passive income, then dividend investing is the way to go. If you’re still not convinced and you think dividend investing is too slow,...

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The Battle of the Telcos: 6 Things You Need to Know about Singtel

The stock prices of Singtel, StarHub, and M1 have fallen since the announcement of a fourth telco to be introduced into Singapore to spur competition. One of the possible candidates, MyRepublic, plans to provide unlimited data packages for their mobile services which may be a competitive threat to the incumbent telcos as their data plans are based on fixed data usage. Since the introduction of a fourth telco is inevitable, instead of worrying of the new entrant I decided to look in-depth in the existing three telcos and find out which one is in the best position to battle against...

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Dividend Machines All-Access Workshop – 19 July 2015

Do you want to receive stable, passive income from your investments year after year like clockwork? Then discover the *8* steps to create your own ‘Dividend Machines’ and build multiple streams of passive income from dividend stocks and REITs. Build your own dividend machines now 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...

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Dividend Machines All-Access Workshop – 18 July 2015

Do you want to receive stable, passive income from your investments year after year like clockwork? Then discover the *8* steps to create your own ‘Dividend Machines’ and build multiple streams of passive income from dividend stocks and REITs. Build your own dividend machines now 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...

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Dividend Machines Closes Today.

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. If you enjoyed this article, get email updates (it’s free). This is neither a recommendation to purchase or sell any of the...

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Opportunities in the China Stock Market Crash

The China stock market collapsed 40% in less than a month and Chinese authorities are keen to stop the bleeding with various measures. Opportunities for investors to invest in ETFs that track China indices after this crisis passes. Important lessons for investors to always be aware of the risks they take, do their due diligence, and not follow the crowd blindly. Know their limits and stay within their circle of competence. Reality Hits In my previous article, you have seen the rise and fall of the China stock market. The bubble burst when the Shanghai Composite fell 40.45% in...

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5 Reasons Why You Should Invest in S-REITs

When I was eight years old, I remember seeing my grandma taking out her savings from a container tin she hid under her bed whenever she needed the money. Today, that image can only be seen on TV shows as most of us now keep our savings in a bank. The bank pays an interest for every dollar we deposit but we know the rate is outrageously low in Singapore; less than a percentage per annum! You might consider depositing your money in foreign countries to earn a higher interest rate; Malaysia and Australia offer interest rates around 3%....

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How the China Stock Market Crashed 40% in 15 Days

The Chinese equity market has risen 250% since the start of its rally in July 2014 before it plunged 40.45% from its peak in June 2015. It is still up 78% overall but there were warning signs before the plunge The Chinese economy is growing steadily and it is still an export powerhouse despite the dent after the Great Recession. However overcapacity and bad debt threatens to derail the recovery which forced the People’s Bank of China to ease monetary policy from April to June 2015 The strong rally started in March 2015 which drew in hordes of amateur...

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5 Companies in the U.S. with a Long History of Consistent & Growing Dividends

Here at The Fifth Person, we love dividends. It’s not the only the way to invest but if you’re looking for a safe, predictable way to build your wealth and passive income, dividend investing is a great way to do it! So far, we’ve been sharing mostly about regional stocks when it comes to dividends. But some of the best dividend payers and growers are located in the U.S. – and it’s no surprise. The American economy is home to some of best and most entrepreneurial companies in the world. It only makes sense that many of the best...

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Key Changes to the Singapore REIT Industry: How It Affects You

Photo: Jpatokal Imagine being questioned all the time that your salary is too high and you’re overpaid. Or imagine having your backers suspecting whether your actions are solely for your personal interests or aligned with overall shareholder’s interests. These are the “ordeals” REIT managers have had to face the past few years and the perceived mistrust came to a head three years ago when Keppel Land sold Ocean Financial Centre to its sister company, Keppel REIT. The 99-year leasehold office property was deemed to be too expensive at the time of acquisition when the market was slowing down due...

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The Rule of 300: How Much You Need for Retirement

There are countless models you can use to calculate the amount of money you need to retire comfortably in your golden years. But if you’ve ever been overwhelmed by the many different methods out there and the complex calculations used, not to worry because there’s one quick and simple way to estimate how you need for retirement: the rule of 300. Simple take the average amount you spend every month and multiply by 300. That’s it! So if your average monthly household expenditure is $5,000, then you need $1.5 million to retire (5,000 x 300) and that amount should...

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