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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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Stocks Discussion

Investments

Savings

Am i overly-diversified for a high risk taker with long horizon?
1. why the 10 yr endowment plan 2. why stashaway 30% and equity 100 3. why reits if you want to go for growth 4. why the rsp if you have stashaway and equity100 (overlap) 5. why tesla even. So much speculation
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Investments

Stocks Discussion

S&P 500 Index

Dividends

If one can foresee S&P500 delivering 0% return over next 2 decades, would it be beneficial to invest in dividend plays instead?
Ryan

Ryan

Level 3. Wonderkid

Answered 1d ago

Nobody can predict the future, the pandemic of 2020 is proof of that. A black swan event that has massively accelerated the technology transformation. Now, IF, hypoteically you could see that future and assuming you are asking what out of those 500 companies in the S&P 500 will do well in the next 2 decades. Meaning which out of the 500 companies are holding up the fort. Judging from past S&P500 data, the technology sector is slowly gaining the lion share of the index, both in the number of companies in the index and the index's performance. "Tech stocks in the S&P 500 accounted for more than 57% of the S&P 500’s overall gain." - Los Angeles Times Given, the past is not an indication of the future. But it would be fair to say that it has a lower probability of succeeding based on past data. More on why we can't predict the future: http://csinvesting.org/wp-content/uploads/2013/07/Trying-Too-Hard.pdf Additionally, it also depends on what kind of dividend companies you are interested in. Like which sector, of course the banks are not going anywhere soon and will remain a fundamental sector in the modern economy.
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Stocks Discussion

In the News

Investments

Been seeing a lot of community questions on India ETFs recently, but saw a recent article that said "Bangladesh to overtake India in GDP". Should we be focusing on Bangladesh instead?
jw

jw

Level 6. Master

Answered 11h ago

These articles are just market noise, take it with a pinch of salt. Some finance news agencies have hidden agendas when promoting certain markets or stocks. They might be invested and wants to pump up the stock prices. Personally, I won't invest in India or Bangladesh. The markets are less developed and less transparent.
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Investments

Stocks Discussion

SGX

Hi all! Wanna get your opinions on when is the right time to enter stock market? Let’s take SGX for instance.?
I think it is easier to invert the question. When is the wrong time to enter stock market? 1) when you have debt 2) when valuation is high 3) when you have no excess cash
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Investments

Fresh Graduates

DBS

Stocks Discussion

Online Brokerages

Regular Shares Savings Plans (RSS/RSP)

I’m a 25 year old and I just started working. I have 12k saved and plan to save 1K per month. I have no knowledge about investments and I been reading on this site. Would you advise that I buy DBS shares and keep for dividends?
There was an article somewhere on seedly about this guy who only bought HSBC shares. In 2020, his plan went up in flames as his capital went downhill, and dividends got cut. I would avoid concentrating on one position as that will leave you open to concentration risk. Instead, rsp into an index fund/bond mix if you are risk-averse. https://www.ejinsight.com/eji/article/id/1498330/20170223-a-taxi-driver-retires-at-33-after-amassing-40000-hsbc-shares
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Stocks Discussion

REITs

Investments

Retirement

Savings

Property

Robo-Advisors

Fresh Graduates

Please share with me why do people invest in REITS compared to other financial instrument? Just purely for dividends? How much dividends do you expect to earn from 10k or 20k worth of REITS ?
Maybe interesting: https://www.investopedia.com/terms/r/reit.asp . distribution/yield is high (maximum possibly 5-6% with Singapore REITs among the highest globally) . steady income, less capital appreciation . lump sum mostly unimportant, since distribution as percentage of assets . beginners qualify . Covid crisis f. ex. puts heavy economic load on some REIT subsectors. REITs and REIT ETFs are among the least revived asset allocations of all ...
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Stocks Discussion

Investments

Personal Finance 101

Started your stock picking journey, but unsure where to look to discover new stocks? Here to share this popular Stock Screener tool with everyone! Feel free to share any feedback/comments here!?
If you haven’t heard of StocksCafe, it is a platform popular amongst Singaporean retail investors that allows you to track and monitor your portfolio. The screener covers the numerous stocks listed in Singapore, Malaysia, Hong Kong, Japan and the United States. Do note that you will need to create a free account to access it. After clicking on the screener, you will be greeted with this: ! Source: StocksCafe The user interface is fairly straightforward as you can easily filter by exchange, sector and almost every metric you can think of. With this you can create a highly personalised stock screener. There is also a really broad range of filter criteria that gives you a good mix of fundamental and technical data about the stocks. Some of which include: - Operating cash flow count - 5 year EPS growth - Altman Z-Score - Annualised historical returns (1 – 10 years) - Cash flow per share moving average convergence divergence (MACD) - Tangible book value per share If you are intimidated by the many filter criteria, you can start off by using the shared screeners which are based on proven ways to look for stocks as well as user-contributed screeners. But as with every investment, do your own due diligence. After picking your stocks, you can use the analysis tools for information like price graphs, financial data, dividend history, daily price etc. Hope this helps!
Answer image preview
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Stocks Discussion

Investments

Robo-Advisors

Savings

CPF

After reading the answers in the forum, I am not sure to go for robo-advisor or self pick the funds? What are some changes you would want to make, back when you have started investing?
If you're just starting out, I think stock picking may not be the best way to go and that just getting index funds or using a roboadvisor would be best. I started out with Stashaway, because my management fees were 0% since I used referrals. If your risk appetite is high but you're not experienced, I suggest choosing a high risk portfolio and looking at what components of the portfolio are giving high returns or low returns - then from there you can understand the market a bit better and begin to pick stocks on your own. If you're worried about fees, you can always find referral codes online because there are usually discounts
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Stocks Discussion

Investments

Is it good to accumulating the Singapore Bank Stocks now, especially DBS?
Since we cannot time the markets the more appropriate (= more long term oriented) question should be: "to accumulate ever" (than "to accumulate now") The banks will come under more and more pressure with all that fintech, and possible short term Covid-related credit defaults ... I did exactly what you suggested: buying completely speculative Credit Suisse when they seemed so low some years before (when I anyway never liked banks because often they exploit the retail customer with their own investing products). This was my one and only speculative investment where I knew from the start that I do not want to hold the stock over longterm. I gained several really nice dividends but the stock price declined further, so in the end when I lost patience after Covid crisis and switched the money to a different investment I suffered a realized loss (maybe my heaviest one, during a time when, almost, all my other investments flourished, though). prime example for the following take home messages: -bank stocks are very risky -bank business models are still doubtful (but of course this was MY investing fault) -never act out of greed -never think or act short term -diversify As to the comments of the other Seedly friends here: how could a retail investor know even with a lot going through annual reports and fundamental numbers how a bank stock price will pass through the next years? Impossible (as with any stock).
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Investments

STI ETF

Stocks Discussion

ETF

Why do people buy STI etf when it has been stagnant?
You know you could ask the same question on S&P500 during the years 2000 - 2010 and get the same varied answers. stagnant for years. and yet now people are singing praises S&P500 good S&P500 forever.
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