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Alex Yeo

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Alex Yeo

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Alex Yeo

  • Answers (25)
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Securities

Investments

Stocks Discussion

Alex Yeo
Alex Yeo
Level 4. Prodigy
Answered on 05 Dec 2019
Buy only when valuations are reasonable or cheap. If the dividend stock that I'm eyeing is trading near its historical high dividend yield, or if it's trading near its historical low price to book ratio or price to earning ratio, assuming that my investment thesis in the company remains the same, dividend payout still sustainable, no structural change in the industry, then I'll buy/add on. If not I will continue to build warchest. Stock market is always around, there will always be other opportunities.

Stocks Discussion

Alex Yeo
Alex Yeo
Level 4. Prodigy
Answered on 05 Dec 2019
All these are just noises. Instead of trying to guess the movement of the stock market, time could be better spent doing research into your desired companies or enriching yourself with investment knowledge. Leave the predictiing to gurus, economists, analysts, experts etc. If stock market crash, so be it. Life goes on. And if you have already done your homework, and gotten your wishlist ready, then just stick to the plan and slowly accumulate good companies at your desired prices.

Investments

Stocks Discussion

Alex Yeo
Alex Yeo
Level 4. Prodigy
Answered on 05 Dec 2019
If you are just starting out, or do not have much experience in the stock market, best to stick with investing with money that you have. Using margin financing is basically borrowing money to invest. This creates pressure if market goes against you. Most people tend to over-leverage aka borrow too much money if they are not careful. And when margin calls occur, you have to be prepared to top up more cash to carry on holding the losing positions or have your positions forcefully sold away at lousy prices. Only do so if you are very disciplined, knows how the margin acc works(you would be surprised that many do not even know the internal workings of the margin acc) and can manage your own risk. I have seen too many cases of margin financing gone wrong. A peace of mind is priceless. Better to invest with money you have.

Stocks Discussion

SG Budget Babe

Alex Yeo
Alex Yeo
Level 4. Prodigy
Answered on 04 Dec 2019
Annualised returns. Have the habit of recording every transaction in excel then end of the year compute once. Excel works wonder.

Property

Stocks Discussion

Investments

Alex Yeo
Alex Yeo
Level 4. Prodigy
Answered on 04 Dec 2019
A market that is overpriced might not have many bargains. That being said, an overpriced market might remain overpriced for a long time, no one knows unless you have a crystall ball! To generate passive income means collecting dividends from the companies you have invested in. Maybe instead of focusing whether the market is overpriced or not? One might be better off to focus on the company's business model, financials, management and valuations. Determine if the dividends are sustainable be it using free cash flow analysis or dividend payout ratio. And if valuations are reasonable, and you are comfy with the dividend yield and done your due diligence, just go ahead and invest a little since you are investing for the long term...5 years or more.... That's how passive income is built over the years...just like Rome is not built in a day. You need time to build passive income. And the best way to do so is to stay invested for a long time. Time in the market beats timing the market.

Stocks Discussion

Alex Yeo
Alex Yeo
Level 4. Prodigy
Answered on 04 Dec 2019
Worth subscribing if you are into fundamental analysis. Makes your life easier to sieve out the numbers. I have been a member for 8 years. Compiles all the financial ratios and numbers for easy reference. I find the information on insider trades quite useful as well as the quick reference to the CD/XD details. A poor man's version of a bloomberg terminal XD Also they have been doing free member's night events these days bringing in speakers to talk about stocks and stuff. My only complaint is the cost keeps going up year after year...

Stocks Discussion

Investments

Alex Yeo
Alex Yeo
Level 4. Prodigy
Answered on 04 Dec 2019
Provides banking related software services. Servicing some big named customers in the banking sector. Pretty unloved by investors due to attacks by short sellers previously on its high related party transactions. Company has since lowered that percentage. Decent recurring revenue through its maintenance and insurance processing businesses. Company has been buying back shares for the past 1-2 weeks.

Stocks Discussion

Investments

Alex Yeo
Alex Yeo
Level 4. Prodigy
Answered on 04 Dec 2019
Maybank Kim Eng Prefunded Acc, 0.12% or min. 10 dollars. Not the lowest brokerage in the market but I have been using them for the longest time. Inertia to changes since all my holdings are with them already. Wanting to try out ifast platform though.

Stocks Discussion

Investments

Alex Yeo
Alex Yeo
Level 4. Prodigy
Answered on 03 Dec 2019
US have already gone zero comms. In my opinion, sg will follow suit in the long run. Interactive Brokers is already coming to sg to set up shop. The brokerage fees kept decreasing over the years. IFast/robo advisers are also disrupting the industry with their low fees. Remisier/stockbroker have to eventually reinvent themselves as fund managers to survive.

REITs

Investments

Stocks Discussion

Alex Yeo
Alex Yeo
Level 4. Prodigy
Answered on 03 Dec 2019
Most of their malls are in really good locations, next to Mrt stations. Singaporeans love to eat, shop and watch movies and hang out so malls are still relevant in Sg. Good track record, strong sponsor, decent dividend yield. Just that at current valuation, 3 Dec 2019, the price to book ratio looks a bit overvalued.
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