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Cost of Capital

Cost of Capital

We are back to talking about something dry after a long, long hiatus. Ok Cost of Capital. Basically, capital is not free, it comes at a cost. Why is there such a cost? Well basically the person providing the capital needs to earn a return. If not, he might as well...

Timing the Market?

Timing the Market?

Many of my clients are sitting on a profit of between 20% to 30% for their investments especially those who heed my advise to invest during the early part of the year. Some of them asked in May, some in June and July if they should sell their investments. I instead...

Buying Commodities in Singapore

Buying Commodities in Singapore

Remember commodities were rather hot during the bull run in 2007? Many banks and fund management companies began to introduce new commodities fund to feed the desperate demands in Singapore. Many people who bought commodities at that time would have suffered a great...

Keeping track of my Budget

Keeping track of my Budget

Many people monitor their cashflow by looking at how much cash they have in their POSB account whenever they withdraw money. If their POSB Savings is growing, it probably means positive cashflow. If its not, then they may only complain that they are not earning...

Corporate Updates

Corporate Updates

This post is mainly to update on the corporate developments for the companies I own thus far for September 2009, as I would not like my month-end portfolio review to get too cluttered with words. I shall ease off some of the news flow in my month-end report and just...

Basic Medishield vs Private Shield Plan

Basic Medishield vs Private Shield Plan

Recently a friend of mine showed me an article regarding the Basic Medishield Plan. Apparently the author argued that "the insurance that offers the best value for money is the basic Medishield offered by the Central Provident Fund", and he asserted that there are 3...

Investing in gold, a worthwhile option?

Investing in gold, a worthwhile option?

As gold price rose past USD 1,000, there seems to be a renewed interest in investing in gold. I am pretty curious to find out whether this is a worthwhile adventure. USD quoted commodities As with many commodities such as crude oil, gold is quoted in USD. When USD...

What’s Right with Buy-and-Hold?

What’s Right with Buy-and-Hold?

So Buy-and-Hold has its flaws, but the alternative, which is trading is not much better. Empirically, trading has not help generated wealth. But before we come to some conclusion, let's look at the usual Pros with regard to Buy-and-Hold. Pros 1. Missing out the 10...

CPF LIFE – How It Works

CPF LIFE – How It Works

CPF Board has recently released more details on the CPF LIFE Scheme. The CPF Life Payout Estimator and Information Booklet can be found on their website here – CPF LIFE Website. I’ve done some comparison between the CPF LIFE vs Commercial Annuity already, I’ll do some...

How does statistics hide facts?

How does statistics hide facts?

Statistics often make us believe wrong conclusion and misled us into believing silly correlations. Let me tell you a story that happened in Country Blue Chips (CBC). A freshly minted assistant professor (in statistics) “discovered” that drinking orange+apple juice...

Risk of the unknown

Risk of the unknown

The stock market is the most commonly traded investment and is known to give the best returns over time. It is easy to trade and investors just have to buy and hold, for capital appreciation or for dividends. Yet, two recent events have shown that it is not as simple....

Are HDBs affordable at all?

Are HDBs affordable at all?

With reference to my earlier article, I have calculated that a couple who bought a decent 3 bedroom unit at Dakota Residences will have paid about $3.3M in interest and principal. It is an awful large amount of money. I would never even dare to dream I have that kind...

FJ Benjamin FY09 full year result

FJ Benjamin FY09 full year result

Turnover -12% Gross profit -15% Rental +10% Operating profit -65% Net loss of 2,661 compare to profit 14,804 of previous year. Report highlight the underlying profit is 4,065 excluding the one off item and forex loss. Fixed deposit 14,008 Cash on hand 19,346 Borrowing...

Market happiness theory

Market happiness theory

There is a disparity between what I see and what the people in power are saying to us. It seems like we're in the midst of a major recession not seen since the great depression. The major economies are in trouble, banks had collapsed, inflation and worse - stagflation...

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