Author: The Turtle Investor

Vanguard To Launch New ETF In Hong Kong In 2015

In another Turtle Investor exclusive, some of you would be delighted to know that Vanguard will be launching a new S&P 500 ETF to be listed in Hong Kong in 2015 around the month of June. Slightly disappointed that it isn’t a global index, but we shall look at it as baby steps, huh? With indexes tracking Japan, Asia Ex-Japan, Europe and soon-to-be US, it is only a matter of time before a total US market and a global index tracker pops up. Wait a minute – you don’t have to start Googling right away since you will most likely...

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Establishing Bogleheads 3-Fund Portfolio In Singapore

Since I first posted a pseudo-guide on index investing with Standard Chartered, it has gone to be become the most popular post on this blog. I guess people are interested in content like this and would probably like to see more. With the smaller board lot size of 100 units come 2015 (that’s like in one month’s time), now would be an excellent time to take a look at Singapore Exchange, and what we can do if our goal is to construct a basic, simple, no-frills, Bogleheads 3-fund portfolio. I would be using Standard Chartered Online Trading platform to illustrate...

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‘Tis The Season To be Giving! Hohoho!

Once again, we are nearing the time of the year for the Free Book Giveaway! This year, ONE copy of INVEST LAH! (1st Print) is up for grabs! Invest Lah! The Average Joe’s Guide to Investing It is your one-stop guide to investing, meant to dispel the many myths and mysteries that shroud the stock market. The authors – Ser Jing, Sudhan and Wei Lin – have drawn on the collective wisdom of great money managers, financial writers, and even psychologists to offer a different (or dare we say, better) path for YOU to prudently manage your own investments. Investing is simple,...

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Standard Chartered Online Trading 2015 – Still No Min. Commissions?

Not too sure if Standard Chartered will remain as – to use their own words – “the only bank in town to carry no minimum commissions on share transactions.” With less than two months to go before SGX board lot size is officially reduced from 1,000 to 100, I had asked whether there will be any changes to their fee structure. They called to tell me that their official reply is that as of right now, nothing has been confirmed yet. Let’s keep our fingers crossed, shall...

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Mystery Asset Management Firm

If someone were to offer you the following conditions in return for investing your money with them, would you give a second thought? Sales Charge : 0% Management Fee : 0% Performance Fee : 20% with high water mark Subscription Charge : $2000 (one-off) There is in fact another criteria but I shall not reveal it for now. Any...

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Schwab Intelligent Portfolios – Automated Investment Service

Charles Schwab is the 800-pound gorilla that is going to shake up the software-based investment services dominated by Betterment and Wealthfront, both of which unfortunately are only available in the US as of now. What Charles Schwab is offering – Invest in a portfolio of ETFs that will be automatically rebalanced Fund account with recurring deposits No trading commission No advisory fee No service fee You just pay the normal expense ratios on the underlying ETFs. To an index investor, all you need to do is to select the ETFs you want, sit back, and relax. They will do the...

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ABF Singapore Bond Index Fund Dividend 2014

Don’t bother looking online. The answer you are looking for is a grand total of $0. What? How is that possible? Didn’t they pay out dividends of SGD 0.023 in October 2013? (You can get ABF Singapore Bond Index Fund dividend history [A35] from SGX.com) Similar to what was done for Nikko AM STI ETF, they have quietly shifted the dividend distribution date to January 2015. Regardless, ABF Singapore Bond Index Fund remains my preferred instrument of a quick and easy way of gaining access to SGD$ denominated debt obligations including HDB, LTA, PSA, SP Power and of course, the...

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Life is Good. Is it?

Being busy lately (with what else but work) plus a short overseas trip has resulted in a lack of updates. Then again, it is not like I’m a popular blogger or anything. I can write whenever I want, and share whatever I want. Travelling has always given me fresh perspectives when looking at things. Many times, we are so caught up in the rat-race of modern society that we fail to appreciate what we have. I shall be the first to admit I’m guilty of this. I have a roof over my head, and I’m in relatively good health. I...

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How Much Does Your Insurance Cost?

Short post! Chanced upon quite a number of blog posts recently on insurance and the monthly premiums that people are paying. Thought I’ll chip in with mine – Currently, I’m covered under what you would call a Term + Critical Illness policy with NTUC Income. I’m a male non-smoker, and I took up the policy when I was 29 years old, for a period of 30 years. This is my core policy, which insures for an amount of $200,000. My monthly premium is $68.90. Any time I have more money to spare, I would top up my coverage via...

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How Much Does Your Insurance Cost?

Short post! Chanced upon quite a number of blog posts recently on insurance and the monthly premiums that people are paying. Thought I’ll chip in with mine – Currently, I’m covered under what you would call a Term + Critical Illness policy with NTUC Income. I’m a male non-smoker, and I took up the policy when I was 29 years old, for a period of 30 years. This is my core policy, which insures for an amount of $200,000. My monthly premium is $68.90. Any time I have more money to spare, I would top up my coverage via...

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Good Advertisement vs Good Investment

If you are a regular commuter on the MRT, no doubt you would have noticed the endless advertisements that are put up by Aberdeen Asset Management. To be honest, when I just started getting interested in the topic of investment, I was interested in what Aberdeen had to offer. After all, there are the “experts/professionals” who knew how to invest, and what to invest in. Luckily, I took my time to learn more about investing and to do my homework. What I found out pretty much scared me away from them, and I wouldn’t even go near them ever...

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Good Advertisement vs Good Investment

If you are a regular commuter on the MRT, no doubt you would have noticed the endless advertisements that are put up by Aberdeen Asset Management. To be honest, when I just started getting interested in the topic of investment, I was interested in what Aberdeen had to offer. After all, there are the “experts/professionals” who knew how to invest, and what to invest in. Luckily, I took my time to learn more about investing and to do my homework. What I found out pretty much scared me away from them, and I wouldn’t even go near them ever...

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Does Your Investment Management Company Place Your Interest First?

The Vanguard Group is an unique and very special kind of investment management company. This is because Vanguard is owned by Vanguard funds, which in turn are owned by investors and clients like us. Under this unique and one-of-a-kind structure, Vanguard must operate “at-cost” – it can charge the funds only enough to cover its cost of operations. Since Vanguard is not publicly traded, it can stay focused on the long term, which will improve services and most importantly, REDUCE COSTS for its client which are also its owners. That’s how we’ve been able to keep lowering the costs of investing ever since...

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Own Shopping Malls & Start Getting (Almost) Monthly Passive Income With Only $800

People can say what they want (seems like everyone has a different view as to what it will achieve) but to me, the essence of SGX board lot reduction to 100 boils down to one word – affordability. Well, at least to small-time investors like myself. I thought, why not a simple illustration. Case Study Let’s assume we are now in 2015 and I have $800 to spare in my bank account. While window shopping after work and during weekends, it seemed like every single freaking shopping mall, regardless of sub-urban or prime location,  is always packed with people....

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SGX Board Lot Size Reduced To 100 From 19th January 2015

http://www.sgx.com/wps/wcm/connect/sgx_en/home/higlights/news_releases/SGX-to-introduce-reduced-board-lot-size-from-19-January Key takeaways from SGX press release yesterday relating to index investing : SGX.com This change in standard board lot size from 1,000 to 100 will take effect from 19th Jan 2015. The reduction in board lot size will also specifically apply to two index Exchange Traded Funds – SPDR STI ETF and ABF Singapore Index Bond Fund. All other ETFs will retain their original lot size. Thus, you can more easily implement a classic 3-fund index portfolio from 2015. In terms of affordability, a local equity component (100 shares) will only cost S$300+ while a local bond (100...

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