(1) revenue i.e topline + 5-year trend (2) net profit i.e bottomline + 5-year trend (3) dividends + 3-year trend (for dividend stocks) (4) dividend payout ratio + 10-year trend (for dividend stocks) (5) ROE + 5-year trend (6) Free cash flow + net debt (7) PEG + Total Addressable Market i.e TAM (for growth stocks) after that move on exceptional items/one-off gains or loss that affect net profit, adjust net profit number accordingly then, you might also want to read the other stuff besides financial statements. move on to management ownership, and how management is compensated, combine this with ROE trend will tell you whether stakeholder's equity is properly utilised/maximised and interest prioritised. Further look at dividend trend and payout ratio also for dividend stocks to properly determine priorities. then verify previous year's claim of strategy (usually will appear in the first few pages and broken down in details subsequently) vs what has been implemented in current year as you can tell, we read financial reports backwards, starting from the financial statement numbers first. Usually these will give you a good gauge on fundamentals. I personally read "The Intelligent Investor by Benjamin Graham", cover to cover, over time. I read the few relevant chapters first, then grab an actual financial report, and put what I've read into practise. Then go back to revise again to make sure I know what I'm doing. Double check terminologies on google, rinse and repeat. After getting yourself more familiar with the financial terms and what those numbers mean, you can proceed to read the other chapters in the book or advance to other more complex financial stuff. At least this is how I learn/do my research as a retail investor, not the most accurate nor best advice so I'm also curious how the pros do it.

Definitely - it really sucks to see your positions in red, and it's can definitely be an emotional ride. After all everyone wants to get 100% ROI everyday. I think when investing it's important to always consider that your analysis / decisions might be wrong. And that probability, no matter how small, will never be 0. My personal strategy is to reduce my position sizes and diversify my positions. So one important aspect to investing is also the risk management portion of it. For example, if you're very confident in a trend or position, you might put 5% of your portfolio value into that position. Whereas if you were not, you would put a lower percentage. This allows you to take the (inevitable) mistakes in stride since your losses have smaller consequences, and might be made up by your other positions. Another thing that might be good to look at is the overall market trend - if for example the general market is down 10% and you're only down 5%, then that's something you can be happy about too (:

Hi there, Your stashaway account forms a platform for wealth accumulation but do note that investments are never guaranteed so you shouldn't be putting as large chunk of what you have on equities/investment since there is a systemic risk involved. Stashaway Simple have also recently revised their returns rate so thats something for you to consider. So you may want to opt for something thats guaranteed but offers a higher interest rate than the banks now. You can potentially look at savings plans that guarantees your capital, allows for partial withdrawals and offers non-guaranteed bonuses. Financial planning is an integral part of life. You can reach me here to find out more.

Not all unit trust give monthly dividend, must look at fund factsheet. Normally, i use fundsupermart to screen. U can look at the fund factsheet. Underlaying top holdings are global giant tech firm... monthly payout. Unit trust is suitable for people on tight budget, and want cashflow. Better than buying plan. U can choose distribute or accumulate. Choose sgd-hedge if want to avoid FX risk. https://secure.fundsupermart.com/fsm/funds/factsheet/UOB112

Regard on what now portion, I'd recommend getting your insurance settled. Critical Illness (CI), Life Insurance (unforeseen death), Personal Accident and Hospitalisation (Integrated Plans on top of Medishield). If you really want to skip on insurance, please at least get a cheap life insurance policy. Recently lost a dear friend (28), life is unexpected. Id recommend at least 6mo the of emergency funds. I personally prefer 1yr. Regarding investing, you don't need to link your cdp to fsmone and tiger brokers as it is a custodian broker. If you want, you can try TD Ameritrade for free US trading. But account opening takes some time. I'm using fsmone atm. But some might argue that tiger brokers is better due to cheaper fees. You can consider robos too, im looking at syfe equity100 atm. This is my sharing and not financial advice. Hope this helps.

I think it is referring to the voluntary top up limits to the SA and MA. (Cannot say for sure as the link to article is not provided and there is no context.) and it looks like the information is not up to date. Do refer to the latest CPF links for more information. For the MediSave account, there is a maximum amount limit which is the Basic Healthcare Sum. For 2021, it is $63,000. Meaning any CPF MA contribution above $63,000 is directed to your SA (if your SA has not reached FRS). https://www.cpf.gov.sg/Members/FAQ/schemes/healthcare/medisave/FAQDetails?category=healthcare&group=MediSave&ajfaqid=2189345&folderid=12917 For the Special Account, the maximum amount that you can do a voluntary top is the FRS for that year. For 2021, FRS is $186,000. Which is 2 x BRS. https://www.cpf.gov.sg/Members/Schemes/schemes/retirement/retirement-sum-scheme

Do you understand derivatives? It's important to know what kind of risks you are putting yourself into.

I'm watching it, but not invested yet. :)