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Stocks Discussion

*Disclosure*: The threads on this post are just opinions on investments, so please do your own due diligence before investing

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Investments

Stocks Discussion

I am currently holding a few lots of ST Engineering and I'm down by 3-4%. I was thinking if I should sell it off and start trading in the US stock market for quick growth. Need some views, thanks?
D
Deedee
Level 5. Genius
Answered 4d ago
Agreed with Maisul, US stocks have higher volatility. If you can't stomach 4% paper loss , how are you going to stomach even 10% paper loss ? No such thing as quick growth in investments unless you do your own active trading to try to buy low, sell high :) which is why people always advocate at least 5 years in the market to ride out waves
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Stocks Discussion

Investments

There are rumours of Grab and Gojek merging. How likely do you think this is happening, and would this be a good time to buy grab shares?
That's a good question, although I think the government will intervene to promote competition among the 2 companies. Additionally, you cannot buy Grab shares publicly because it is not publicly listed on the stock exchange.
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Education

Investments

Insurance

REITs

Stocks Discussion

Savings

Are Singapore College of Insurance (SCI) papers like M9A, M9 useful springboards for learning about investing?
Ember Sh-en
Ember Sh-en
Level 4. Prodigy
Answered 11h ago
Not really. The textbooks are boring. You should go online and learn. Studying CFA, or uni finance modules are also more helpful
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Investments

Dividends

Stocks Discussion

Retirement

Lifestyle

Is it possible to solely rely on dividends to retire?
Hi anon, I'm going to throw in an alternate view point here; while you can do so, doesn't mean that you should. Dividends are never guaranteed. Unless your dividends far outstrip your expenses (and I am looking at x2 or more), and you are just sitting on the unused portion, there will come a day when one or more of the following will happen - Dividends get cut (look at our banks now) - Dividends get suspended (HSBC is a prime example) - Dividends frequency gets reduced (look at REITs) - The company goes into decline and you lose capital - You physically go into decline (dementia, etc) and are unable to effectively manage your portfolio There's probably more depressing stuff than that, but I think you get the idea. So always make sure to have dividend income one of the many streams of income in your retirement. The allocation is really up to you, but I would want to ensure that guaranteed income from CPF LIFE and retirement plans form at least enough income (inflation adjusted as well) to ensure that my basic needs are met. Then the rest of my dividend income will be used to fund things like vacations, fine dining, etc. You'll realize that this is really up to what you envision in retirement, if you think you'll need $2K for the core expenses and $1K for a better standard of living, work towards having $2K/mth of guaranteed income and $1K a month (or more) of non-guaranteed income from dividends. At least if something goes wrong, you still have money to meet the basics.
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Stocks Discussion

REITs

Investments

Hi, Does it make sense to buy CapitaLand Commercial Trust (CCT) and CapitaLand Mall Trust (CMT) now? before the merger? Looking to invest in REITS. Thanks.?
Hi anon, I'd say you can buy CMT instead of CCT if you are looking at holding long term. CCT unit holders will be given CMT shares plus cash, which may be an issue as you'll end up with odd lots. So it's a lot easier to just buy CMT in my view. While I won't write an essay on my analysis, personally I feel that the merger is good for the REIT. With bigger headroom to take on more debt, the new REIT will be able to look for more growth opportunities beyond Singapore. We're quite saturated (there's still room, but not much left) for retail malls and having more room for expansion outside of Singapore is quite welcome, as well as a mandate that is not limited to retail, but commercial as well.
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Stocks Discussion

In the News

Any thoughts on US Presidential election affecting china tech firms share (E.g. Tencent)?
Frankie Rappaport
Frankie Rappaport
Top Contributor

Top Contributor (Aug)

Level 9. God of Wisdom
Answered 1d ago
Everything is possible. my gut feeling: these are only mock battles, in the end after some negotiations they will enjoy win-win situation as dual 'world codominance'
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Investments

Savings

Lifestyle

Stocks Discussion

Personal Finance 101

How to start investing?
Lee John
Lee John
Level 7. Grand Master
Answered 2w ago
Read read read. There's tons of resouces online. From stock analysis to reading balance sheets. Read and understand till you are confident and sure about the company.
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In the News

Stocks Discussion

Investments

Why has Amazon’s stock price been on decline? They fell 12% in Sep alone??
Hey Anon, You’re right about that. But do take note that the recent fall with Amazon is also happening amidst the fall in tech stocks along with Facebook and Tesla. ! Source: Google We can see that Amazon has been on an epic run, with the shares nearly doubling off their March lows. This suggests that market correction might be taking place due the valuation that has been happening at extreme levels . But there are other reasons that have played a part as well for the fall in September. Disclaimer: Information accurate as of 28 Sep 2020. ! 1. Rising Employee Unhappiness Amazon has been having increasingly tense relations with its employees. This was already prevalent during the battle for a $15/hour minimum wage in 2018. Following the coronavirus, employees want much more. Back in April 2020, ex-employee Chris Smalls, who claims Amazon wrongly fired him, led a collective bargaining movement for employees. Though this doesn’t seem to be a huge deal, in August 2020 , 100 protestors led by Chris Smalls s et up a guillotine outside of one of Bezos’ houses demanding he increase the minimum wage for his workers to $30 an hour, as well as provide adequate personal protective equipment and sanitation, give increased hazard pay and sick pay dating back to March 1. ! Source: Google Additionally, in early September 2020 , reporters exposed the fact that Amazon has reportedly been spying on workers' private Facebook groups and tracking their plans to 'strike or protest' . Hence, the tumble in stocks in September . These posts are monitored by the "Advocacy Operations Social Listening Team," and even has a "Social Listening SOP." People on the listening team are supposed to "capture posts" written by Amazon Flex drivers, categorize and flag them for investigation. Regardless, this paints a very poor view for Amazon, and which could irritate the public, draw hostile regulation from politicians and of course, not reflect well their stock prices. 2. Antitrust Concerns Amazon has been a target for criticism by both political parties , Democratic politicians such as Bernie Sanders for paying insufficient wages, and republicans with the Trump Administration launching investigations into the big tech companies, including Amazon with Bezos accusing the Trump administration of advancing the president’s “personal vendetta”. Furthermore, while the pandemic has accelerated Amazon’s market share gains, it has also led to criticism that the company is too powerful . And the latest move by Amazon in August 2020 which involves turning failing malls into distribution centers only reinforces this. With Amazon having crushed many local towns and cities’ tax bases, this leads to more investigations into Amazon to force them to pay up for its past anti-competitive behavior. 3. Rising E-Commerce Competition On top of the antitrust front, Amazon is starting to lose share in many e-commerce niches which could be bad news in the broader AMZN stock outlook. Large chunks of the total addressable market are disappearing as sites like Shopify and Etsy are enjoying historic growth this year. All these news are not great for Amazon’s share price. With investors betting on Amazon remaining invincible regardless, any mishaps can cause the share price to slide . // Of course, Amazon is not going to sink anytime soon because of these factors. Bezos could copy his peers at Apple and Tesla and issue a stock split to drive up the stock price . And the lingering effects of the pandemic may lead to a continuous strong season for Amazon. But whether Amazon is able to solve these seemingly small issues, to prevent them from snowballing or triggering serious fundamentals could affect whether huge headwinds will soon slow down Amazon’s rise. Here are more community opinions on the US stock market suffering one of its longest weekly losing streaks in a year and whether it is linked to the fall in tech stocks. Hope this helps!
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Stocks Discussion

OCBC

Regular Shares Savings Plans (RSS/RSP)

Regarding BCIP, what are some of the available channel that is easy to start and navigate ? I only wish to invest when i have the available funds instead of $100 monthly?
Yang Teng
Yang Teng
Top Contributor

Top Contributor (Aug)

Level 9. God of Wisdom
Answered 1d ago
The potential issue with investing only when you have the available funds is inadvertently timing the market. You could go with a roboadvisor with no minimum investment requirement. This way, you can invest a smaller sum on a regular basis (e.g. $50). The other way is to save up a sizeable amount first, then investing it at one go (lump sum). This method allows you to have more choices on what you want to invest in (equities, funds, bonds, etc).
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FSMOne Fundsupermart

Investments

Stocks Discussion

Online Brokerages

How does FSMOne management fee works? They have Conservative at 0.35% per annum and all other portfolio at 0.50%per annum. How is this calculated? Is it based on the net value of our portfolio?
Lee John
Lee John
Level 7. Grand Master
Answered 1d ago
Yes, it is based on your portfolio value.
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