Archive

Savings & Deposits

Best Interest Rate Deal

March 3, 2012 by Lau
By now, many would have seen the advertisement of standard chartered bank BonusSaver splashed across the newspapers and internet. They are giving 1.88%p.a. interest, when $500 is spent through mastercard each month. Well, doing some calculation on my own and comparison, it wasn’t a deal that was very attractive to me as I could achieve [...]

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The Best Interest Rate This Xmas

November 25, 2011 by Lau
Walked past a HSBC roadshow recently, and they were offering 0.9% p.a. interest on a SGD 3 month time deposit. That is way higher than most banks for such a short duration fixed deposit (FD). In addition, they are giving a limited edition HSBC NETS CashCard pre-loaded with up to $500. Just a side track [...]

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For sharing: SDIC

November 2, 2011 by OT83
https://www.sdic.org.sg/di_calc_of_comp.php In the event a DI Scheme member fails, all insured deposits placed with that member, except for deposits under the CPF Investment Scheme and CPF Minimum Sum Scheme, are aggregated and insured up to S$50,000. If you are a sole proprietor, your personal eligible accounts will be aggregated with the eligible accounts of your [...]

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young working singaporeans not saving enough

October 29, 2011 by Patrick Lim
in a recent survey by hsbc’s the future of retirement programme, an independent study of global retirement trends, the key findings were: a. 48% of over 1,000 respondents aged 30 to 39 say they have no short-term savings b. only 30% of those who were married or living together aged 40 to 49 are protecting [...]

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Esaver Topup Bonus Promotion

September 13, 2011 by Martin Lee
I received a mailer from Standard Chartered Bank (SCB) on a promotion of higher interest rates for incremental topups into my E$saver Account. Deposit balance less than $50,000 Current rate 0.10% p.a. Bonus rate 0.408% p.a. Total interest on topup 0.508% p.a. Deposit balance $50,000 to $200,000 Current rate 0.20% p.a. Bonus rate 0.508% p.a. [...]

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Applying Benford’s First-digit Law to stocks

July 27, 2011 by Alvin
I have found the Benford’s First-digit law interesting. The law states that in a list of data, the leading digit is distributed in a non-asymmetric way. Basically, he found that there are more “1s” than the other numbers (2 to 9) for the leading digit. This discovery applies to stock prices as well. I have [...]

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Capitaland: Average buy price of $2.81.

June 16, 2011 by AK71
Readers might remember that I said I was waiting for a chance to reduce exposure to this counter. It means waiting for a rebound to reduce at resistance. I do not like selling as prices are on their way down. Of course, as I have mentioned before, this is also a flaw in my methods. If [...]

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CapitaMalls Asia: A reversal signal.

May 7, 2011 by AK71
When price touched a high of $2.05 per share on 9 Feb 2011 and declined to a low of $1.57 on 15 Mar 2011, the OBV declined rather sharply as well, suggesting heavy distribution. However, as price declined from a high of $1.92 on 11 April 2011 to touch a low of $1.66 in the [...]

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Kingsmen Creatives – Analysis of Purchase Part 1

March 8, 2010 by Musicwhiz
I purchased shares in Kingsmen Creative on January 25 and 26, 2010, and the following few postings will elucidate the thought process and analysis which went into the rationale for the purchase decision. Note that some of the factors which led to this decision are qualitative by nature, and are also known as “intangibles”, but [...]

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San Teh revisited

November 15, 2009 by Level13
1.5 years ago, I made a posting on San Teh: http://level13-analysis.blogspot.com/2008/05/appraising-san-teh.html Now I feel its time to sit up and take notice of this sleepy stock again. For the last 6 months, it has been trading at $0.25 to $0.35 with low daily volume. San Teh is currently in a sweet spot to ride on China’s construction and infrastructure boom. The [...]

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What are the charts saying about SGX and UOB….in this correction

June 19, 2009 by Kevin Scully
UOB is the preferred banking stock of our banking analyst Lynn but I like OCBC better mainly because of the absolute lower price. The other stock that is also not in my stock pick list but which has benefitted from the recent rally is SGX. I have below some technicals on both stocks which are [...]

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OCBC’s valuation range

October 13, 2008 by La Papillion
By: La Papillion I learnt a little more about the person who wanted a stake in Ocbc. She wanted to pass it on to her future generations, so the time horizon can be stretched further than the 3-5 yrs that she had told me initially. As such, preference shares might not be the best option [...]

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The Cult of Consumerism: Why Savings is So Difficult in Singapore

June 22, 2008 by Panzer
By: PanzerGrenadier Singapore is a consumer paradise. Shopping malls can be found everywhere. Flip open your newspapers and be greeted by 50% of the newspapers filled with advertisements for all manner of products and services. Turn on your television set and be bombarded with images that make you thirst for the latest gadget, fashion or [...]

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Foreign Currency Fixed Deposit

May 13, 2008 by Derek Lim
This almost happen to me some years back when Foreign Currency Fix Deposit was very popular. Luckily for me, I had no money at that point of time else being a financial idiot then, I would have readily invested my money. Some were offering as much as 10% interest and Fix Deposits are supposedly risk [...]

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Misleading Ad

April 29, 2008 by Adrian Khiat
By: Adrian Khiat I saw this ad in the Straits Times last week. I’m sure that many people will misunderstood this as a Fixed Deposit Scheme that is capable of giving 2.08% p.a How can we identify that it is not true? There are 3 lines of words that reveal this: Read more…

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Singapore Banks and Finance Companies 12 month fixed deposit rates

April 6, 2008 by Panzer
By: PanzerGrenadier Source: Monetary Authority of Singapore Financial Databases The trend since late 2007 in terms of interest rates has been clear. It is going down. This has been evidenced by Maybank iSavvy dropping its rates along with many banks such as Citibank’s Step Up accounts as well as most of the fixed deposit promotion [...]

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How to manage your cash to maximise returns?

March 26, 2008 by Panzer
By: PanzerGrenadier How often have we heard this saying: “Cash is King!” But in investment terms, holding your investments mainly in cash does not generate you very high returns under current conditions. However, even in the low treasury bill yields of 1% or less and fixed deposits hovering just slightly above 1%, you will find [...]

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Mitigating the Risks of Investing in Foreign Currency Fixed Deposits

March 17, 2008 by Panzer
By: PanzerGrenadier Foreign Currency Fixed Deposits – A Whole New Ball Game The risk of foreign currency fixed deposit is the risk that the foreign currency you invest in loses its value (or depreciates) against Singapore Dollar. That can potentially wipe out the higher interest you earn from putting your money there. Therein lies the [...]

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