Author: The Fifth Person

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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Global Markets Plunge on Grexit Contagion Fears

Photo: Lefteris Heretakis Greece triggered default by cancelling bailout negotiations with a surprise referendum for the Greeks to decide once and for all if they want to stay within the Eurozone. This has led to capital controls and renewed unrest in Greece. Global stock market plunged as a result. Financial contagion spread to weaker European countries such as Spain, Italy and Portugal. Grexit is a serious matter and we should guard against complacency as Singapore could be affected badly. This article is a follow-up of my previous article, Grexit: The Fallout if Greece Exits the Euro, that was published recently...

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3 Reasons Why Investing in the Highest Dividend Yield Stocks Will Lose You Money

“I invest only in the highest dividend yield stocks”. This is one of the most common phrases you’ll hear when you talk to income investors. While it makes sense to go for a high a yield as possible if you’re seeking dividends, the question is — do the highest dividend yield stocks make you a winner overtime? Ned Davis Research conducted a study and divided companies into five different categories – S&P 500, non-dividend payers, dividend payers, dividend growers & initiators, and highest yield. Ned Davis Research wanted to know the returns of investing $10,000 in each of these...

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Dividend Machines All-Access Workshop – 28 June 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 – 27 June 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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Grexit: The Fallout if Greece Exits the Euro

Photo: Trine Juel Singapore is an open economy that exports 174% of its GDP and would be badly affected by “Grexit” – Greece exiting the euro zone and the global repercussions that follow. Overspending and poor tax collection left Greece with a massive $168 billion debt problem in 2004. In 2012, the Troika creditors took over and imposed harsh austerity measures. This resulted in the election of the current Greek government of Syriza in January 2015. Syriza kicked out the auditors and refused to agree to the latest austerity measures of cutting pensions, increasing taxes and the budget surplus....

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4 Things I Learned from Frasers Commercial Trust’s Proposed A$237 Million Acquisition

Photo: flagstaffotos.com.au Frasers Commercial Trust (FCOT) has proposed to acquire a new commercial asset, 357 Collin Street, worth A$237.7 million in Melbourne, Australia. This new investment will enlarge FCOT’s portfolio by 14.2% to approximately S$2 billion. To avoid overstretching its financial gearing that currently stands at 37.2%, the manager decided to use a combination of equity and debt financing to fund the acquisition. For the equity financing, they opted for a private placement instead of the typical rights issuance which is usually offered at discount to current unitholders. If the plan sounds reasonable to you, it was not in the...

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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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