The stock market is finally moving at its full speed towards an epic bubble. The signs are obvious: extreme valuation, explosive price increases, and investor’s hysterical behaviors to chase returns. But the challenge for any investor is not to spot the bubble, but to avoid the pains associate with a bubble. There are two common […]
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Singapore Airlines (SIA) First USD Bond
Singapore Airlines’ (SIA), whose business was greatly affected by the global pandemic, is issuing its first US dollar bond today. SIA, whose biggest investor is Temasek, had in the past only carried out debt deals in Singapore dollars rather than US dollars. They have issued US$2.77 billion (S$3.7 billion) in five bond issuances in the […]
What is SRS: All You Need to Know About Supplementary Retirement Scheme (Updated 2020)
Do you want to pay less income tax and save more for the future? If so, you should pay some attention to the Supplementary Retirement Scheme (a.k.a. SRS). Unlike the popular CPF retirement scheme, many people have not even heard of SRS. In this article, I will explain What is SRS and what are the […]
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 this a good investment […]
What is Dependants’ Protection Scheme (DPS)?
The Central Provident Fund Board (CPFB) announced on 2 October 2020 that, from 1 April 2021, CPF members under the Dependants’ Protection Scheme (DPS) will enjoy a higher sum assured of $70,000 at more attractive premiums. The scheme will also cover members up to age 65. Currently, the sum assured is $46,000 and DPS coverage is […]
Aviva Singlife First SGD Bond – 3.375% coupon
In September, Aviva and Singlife have announced that they are merging into one company. For funding the purchase consideration of acquisition and capital adequacy purposes, they have issued a new bond today. This should attract strong interest. Below are the technical details of the bond. The Issuer The bond issuer, ASH, is the holding company […]
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How to use Singapore REITs to generate retirement income
The only way to retire in Singapore is to own Income Generating Assets. I have discussed how you can use optimally leveraged and discounted property to generate good income for your retirement. However, there is a problem. While Asian investors are still trying to catch the last train of …
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Gold Price Surging: Is It Too Late to Buy Gold Now?
The gold price has soared beyond the record of US $2,000 per ounce. The rally is so strong that it spilled over to the silver market. Silver rallied from $18 per ounce to $26 per ounce, a 44% rally in a month. Now the questions are, “How high can the price of gold and silver go?” and “Is it too late …
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How to Invest Your SRS Account: The Complete Guide
Supplementary Retirement Scheme (a.k.a. SRS) is not strange to most Singaporeans. It is a deferred tax scheme which helps you save for the future while reducing your tax expenses now. If you are mid to high-income earners, SRS is a great way to save tax in addition to CPF top-up tax relief. For …
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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: …
How to dig below the sales pitch and choose the right unit trust
For most Singaporeans, unit trust is the best investment instrument to start with. But why so many people lost money in unit trust investment? Because most people chose the wrong funds. If you want to make money, you need to know how to choose the right unit trust for yourself. It is unlikely …
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How to find Singapore High Dividend Yield stocks in 5 minutes
Dividend-paying stocks are the most popular investment products among Singaporeans to plan for retirement. After I published this article last week, many readers want to know what are the tools available to choose dividend stocks efficiently. Gone with the days when you have to fork out big …
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