Your CPF is one of your most important assets for retirement planning in Singapore. However, it is often under-invested. Many people have bought into the idea that since the CPF board pays them an almost guaranteed interest rate, there is no need to invest their CPF savings. It makes sense to some, but not everybody. Think […]
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Astrea VI Bond IPO: Why You Should Have Applied Via Private Placement
On March 8, I have alerted readers of the latest Astrea VI Bond issuance through my blog and Telegram Channel. Astrea has just announced its Astrea VI allocation result today. The final coupon for the retail S$ tranche is 3%. It is not fantastic, but good enough for many, especially the retirement income seekers. But […]
Astrea VI Bonds – New issuance of Azalea PE-backed Bonds
I wrote an article in 2019 when Astrea V was launched, I was not thrilled with PE bond offering such a low yield of 3.8% back then. But since the pandemic last year, the broad market interest rate has dropped to an even more ridiculous level. So PE-Backed Astrea Bond does appeal to some investors […]
How Do Rising Interest Rates Affect Stock Market?
Recently, I wrote an article to caution the readers about the euphoria in the innovational technology stocks. In less than two weeks, many such stocks have crashed more than 20%, led by the stock market darlings such as Tesla, Square and Roku. So what happened? You may not realize that the driver behind is the […]
Credit Report and the Bureau Score: What Are They And How Do They Affect You?
You can’t live a modern financial life without credit. Having access to “credit” is your ability to obtain goods and services before you pay for them, based on the trust that you will make payment in the future. You may not realize that you have probably used credit many times in your life. For example, […]
Bitcoin: Is It a Good Long Term Investment?
Is Bitcoin a fad or the future? Is it worth long-term investment? Should you still buy it now at this price? These are the common questions that my clients and subscribers ask lately, and you probably want the answers too. I have wanted to write an article about Bitcoin on several occasions but I have […]
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The Great Value Rotation – Ivan’s Reflections in November 2020
Exactly one year ago, I titled “Income to Growth rotation” for my GMC Nov 2019 updates. True enough, growth stocks had a spectacular run in the past year, led by technology sectors. The market valuation is near dot com bubble level. Is it a time for a change now? In my last month’s update, I …
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CPF Interest Rate: Is it Really Guaranteed?
When it comes to retirement planning, you cannot ignore the Central Provident Fund (CPF). CPF is the default retirement solution for every Singaporean. Most people have some vague ideas about the system, but few people bother to dive deeper. A lot of people feel that since they have no authority …
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ETF Investing: 3 myths busted
ETF Investing is one of the most misunderstood investment strategies. It was created with good intentions but was misused by many people to sell their products and services. At the surface level, they give you some investment advice that seemed to make sense. The typical pitch goes like these: …
Hang Seng Tech ETF – Is It Worth Investing?
Should you invest in the stocks of China’s biggest technology companies? The answer is a definite yes to me. But how you invest in China is the tricky part, especially the technology sector. Many clients and readers asked me about Lion Global’s new ETF, Lion-OCBC Securities Hang Seng TECH ETF. Is …
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Astrea VI Bonds – New issuance of Azalea PE-backed Bonds
I wrote an article in 2019 when Astrea V was launched, I was not thrilled with PE bond offering such a low yield of 3.8% back then. But since the pandemic last year, the broad market interest rate has dropped to an even more ridiculous level. So PE-Backed Astrea Bond does appeal to some investors …
Continue Reading about Astrea VI Bonds – New issuance of Azalea PE-backed Bonds →
3 rich mindsets you must have to achieve financial freedom
I hate to say this, but we live in one of the richest countries on the planet and yet most of us don’t feel rich. We are living in a world where “rich become richer” and “middle class are sandwiched”. On my journey to pursue the best investment strategies and the smartest money management tips, I …
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