Author: The Tale of Azrael

Tibits I learnt from "Multiplication Strategies in Real Estate"

So the 3rd book, I’m reading to learn more about investing in Residential Properties in Singapore. You can find the previous post here. So off we go: Positive cashflows and certainty of capital appreciation is important in real estate investments. Capital appreciation in property is required, not an option. Property Market is not efficient, thus the real estate indexes are not very reflective of all markets, even in hot or good markets. Real estate is quite unforgiving, if made a mistake, takes a long time to breakeven or take a loss to undo mistakes. Keep checking the market to...

Read More

Tibits I learnt from "Buy Right Property"

This is a continuation of me trying to learn more about investing in Residental Properties in Singapore. You can find the previous post here. So off we go: Property books from overseas (such as US) are not applicable to the market here (make sense considering US has a lot of land space, perhaps something like Hong Kong property investment book would be better? But that being said, Singapore has much more regulations than Hong Kong). Property is better than equities due to leverage (but now we got the Maybank REITs Financing though, we also have Share Financing and even...

Read More

Tibits I learnt from "The Ultimate Guide to Real Estate Investment in Singapore"

As I was talking about looking to increase my competency in investing in residental real estate in Singapore, or at the very least, understand why are people doing it, in a post here. I’m basing my takeaway from a rental investment property POV. So here we go: Suggestions from the Author Start early with a longer time horizon (the same mantra given for shares) longer loan duration, which requires lower installments (but you pay more interest somewhat) Property prices increase with inflation Don’t keep waiting to save enough for your dream home, can start with HDB and progress to...

Read More

Choosing Manulife ILP Funds for a friend with Manulife ILP Plan

One of the books I read early in my investment journey was the Passive Strategy of Index Investing “The Little Book of Common Sense Investing” by John C. Bogle, where he has a group named “Bogleheads“. I was told by a friend who looked me up regarding a fund switching that was advised by her Financial Advisor. So I went to have a look. So the plan is Manulife ILP plan with a focus on investing, with no protection clause in it. She’s currently not interested in exiting this plan and manually going about it using low cost ETFs....

Read More

Open Market for Electricity for Jurong region

Seems like the Government has opened up a “Open Electricity Market” for retail consumers in Jurong. Seems quite interesting. You can read about it on Straits Times and here. Interestingly, Starhub paired with a Solar power company (diversifying out of telco biz?) and M1 with Keppel (probably due to Keppel having a large stake in M1 I guess). I looked some stuff about it and found this website. Seems like it is kinda like a fixed vs floating rates (like a loan). Talking to one of the promoters doing this, they told me that SP Power owns the Power...

Read More

Portfolio Transactions Update (Feb 2018)

Updates for my portfolio for Feb 2018 Still need a lot of work on my portfolio watchlist, looking to include shares from other developed nations. But all of these are on hold as I’m having some heavy commitments. Recently, we had a dip in the market, which unfortunately not much bargains for me. Buy Singtel at 3.50 Reasons Despite the coming telco, only about 30% income comes from Singapore Management has shown to be more forward looking, and has been trying to diversify income away from being a pure telco. Valuation wise is at my sweet spot of a...

Read More

Trying out OCBC Interest-Free Installment Plan (Credit Card Service)

I recently had a larger than usual purchase on Lazada and I happened to see this IPP plan where it is interest-free installment plan for credit card users from OCBC and DBS. I have been manually creating savings goals to reduce the effects of heavy 1-off large cash outflows to optimise my monthly cashflow, seems like this is an interesting alternative if it is applies. Seems like only certain DBS credit cards work but all OCBC cards are accepted. Of course, you must have sufficient credit limit left on your card too. There’s quite a few merchants there too....

Read More

Books on Singapore Real Estate Investing

Maybe I should do one with Singapore Dollar Notes I was bored and wondered if there are some books on Singapore Real Estate Investing that I could look at hopefully with similar vigor as Equities. This is as a result to fulfill my curiosity in perhaps why and how property investing in Singapore is done and if it does prove to be a better yield and return vs Equities, could look into it to supplement my portfolio in the future (Maybe my own residential REIT)? I would be more focused on Residental mostly as commercial, industrial and retail can...

Read More

2017: A year in review

Thought I’ll do a review of 2017. On my own personal finances   Achieved investing savings target of 24k/yr, achieved 25.1k actually. This excludes funds diverted for a side venture of mine. Had kept my expenses as low as I could, seems like focusing on how to allocate every dollar well seems to be working. It was also boosted by a one shot OT which was about half of my one month take home pay. Creating a future expenditure budget and planning on expenses in advance (by deducting as a monthly expenses) seems to be working well too. This...

Read More

Portfolio Transactions Update (Nov 2017)

Updates for my dividend portfolio for Nov 2017 Still need a lot of work on my portfolio watchlist, looking to include shares from other developed nations. But all of these are on hold as I’m having some heavy commitments. There’s nothing to buy recently either though. Buy SBS Transit at 2.53 Reasons Disclaimer: This was a heads-up from a friend Looking at potential upside from the new Bus & Rail Contracting models, reduced capex spend, from asset heavy to asset light SBS also has a market share of about 60% due to the recent bidding of the bus contracts...

Read More

Portfolio Transactions Update (Sep 2017)

Updates for my dividend portfolio for September 2017 Still need a lot of work on my portfolio watchlist, looking to include shares from other developed nations. But all of these are on hold as I’m working on my eCommerce hustle. There’s nothing to buy recently either though. Buy Comfort Delgro at 2.05 (Averaging down) Reasons Valuations are near 5-10 year lows, Dividend Yield at about 5% (Crisis ~5%), PE at 14.0x (Crisis ~9.7x). Competition is really heating up from Grab and Uber (though the latter two still seems to be loss making) and is pressing prices down, taxi utilisation...

Read More

Mid Year Update

Been pretty busy recently. On Work Great to say I am promoted at work (Thank you again WC!), though what came with it after was me being shifted to another team due to business needs, hope to do well in the new place. Just have to approach it with an open mind and see how it goes. On a side note, this also means I’ll lose two month of night shift allowance, meaning less cash injections into my portfolio, though the promotion did help cover the loss. On Amazon eCommerce As from my prior post here, I was interested...

Read More

A Weekend at Investment Quadrant Workshop

Sorry for the hiatus, was really busy. Didn’t really have time to write down my thoughts much. Hell, I don’t really have much time to even glance at charts to look for potential buys, let alone screen or analyse the remainder of my watchlist (doesn’t help that I just added a few more). It also didn’t help due to some changes at work paired with an increased work load.  I’ll probably do a mid year update later. ——– As some of you may have previously read, I have signed up previously under Fifth Person’s Investment Quadrant as a way...

Read More

Net Savings rate for Singaporeans with CPF

Well, as you know, many online articles (especially US, at least from my experience) advocate saving at least 20% of your income.And as we all know, whether we like it or not, 20% of our salary is usually saved automatically into an account we call CPF.But that’s not the full story.Fortunately for us, similar to the 401k, there’s sorta a matching contribution, just that instead of 1:1, we get along the lines of ~1.2:1. They would contribute about 17% every month as well.One day, I was pondering about why are we so hard up on money for retirement, despite...

Read More

Portfolio Transactions Update (Apr 2017)

Updates for my dividend portfolio for April 2017 Trying to finish the remainder of my watchlist, leaving mostly REITs (I’m only 74% of the way T_T). Sell Soilbuild REIT at 0.68 Reasons Previously average down using Rights Issue to 0.668. It did not fit my risk profile (due to heavier O&G exposure), as well as I feel I have too many REITs ^^” Let it go once it broke even at price after comms Made about return 6.5% after dividends Buy Singtel at 3.82 Reasons Significant drop in the morning ~4.58% yield is decent, midway between the dividend yield...

Read More

Like us on Facebook

Follow us on Twitter