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Alvin Tan

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Alvin Tan

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Stocks Discussion

FSM INVEST EXPO 2020

How much are analysts paid to write a nice stock recommendation report?
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Alvin Tan
Level 4. Prodigy
Answered on 17 Jan 2020
They are not paid to do so, otherwise there would be no credibility to the report. However sell-side analysts do face conflicts of interest, which has led to MiFid II in Europe
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Stocks Discussion

Investments

When do you sell a stock?
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Alvin Tan
Level 4. Prodigy
Answered on 16 Jan 2020
In your scenario, you sell when 1. Youā€™ve met or surpassed your target price 2. You have no clear indicator of a re-rating catalyst 3. You can live with the possibility of leaving money on the table
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FSM INVEST EXPO 2020

Stocks Discussion

What is the effect of natural disasters on a country economy and market?
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Alvin Tan
Level 4. Prodigy
Answered on 16 Jan 2020
In general and in the ST, assuming disruption, the effect is negative as infrastructure, business activity, consumption and sentiment is affected. Markets which depend on corporate earnings outlook likely to react negatively esp if business activity and thus earnings are affected
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Stocks Discussion

FSM INVEST EXPO 2020

Investments

What are ELNs, equity linked notes?
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Alvin Tan
Level 4. Prodigy
Answered on 16 Jan 2020
Structured debt instrument where the final payout depends on the return of an underlying equity. The buyer of an ELN is trying to enhance his upside but faces the risk of unlimited downside
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Stocks Discussion

FSM INVEST EXPO 2020

Are there any impartial analysts who are not paid to write stock recommendation reports?
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Alvin Tan
Level 4. Prodigy
Answered on 15 Jan 2020
There are indenpendents but these are rare and usually lack resources. The main differentceis between buy-side and sell-side analysts, buy-side work for large insti investors and usually product reports for internal use. sell-side usually work for brokers/dealers and investment banks, this is when they run into conflict of interests and their clients may be the companies these analysts are writing about. This COI has resulted in the MiFid II regulation in Europe, which you can read about about
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Investments

Insurance

Endowment Policies

Savings

Stocks Discussion

What are low risk investments for beginners with no time to watch over the investments?
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Alvin Tan
Level 4. Prodigy
Answered on 15 Jan 2020
This is just my opnion, but i would look at a company/companies that i am familar with in a business that i think will be around for a long time and are paying regular dividends to buy into. It is not low-risk (but what do you mean by low risk anyways). Even if you have no time, you should be able to look at the counter every year to reevaluate. The other 'low risk' investments are really low yielding and arguable are not investments - just parking your money for slightly higher yeild vs leaving it in deposits eg SSB. So i would say: SGX listed blue chips with decent dividend yield the reason is, you are starting out so you wouldnt want to be exposed to ccy risk. Blue chips usually are household names and their businesses are familar to you. They are more stable and usually are cash cows which will not scare you unduly due to volatility. Lastly, dividend yields are very encouraging for starting investors who get to see some returns credited back to your account! Hope this helps. You can choose to DCA into an STI index through a RSP as well, but that's abit more passive
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Stocks Discussion

FSM INVEST EXPO 2020

How to identify potential privatization stocks in SG?
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Alvin Tan
Level 4. Prodigy
Answered on 15 Jan 2020
A direct answer would be that these stocks are unloved but have potential: trading with low Price/NTA ratios, net cash, have large shareholders that are able to control the whole company also look for share buyback activities of the above mentioned type of companies
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Investments

REITs

Stocks Discussion

FSM INVEST EXPO 2020

How to determine an entry price for a REIT?
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Alvin Tan
Level 4. Prodigy
Answered on 15 Jan 2020
A more direct answer (which applies not only to reit) is to have a view on the fair value of the counter, your target return and time frame to hit the target return. If you feel the price is at a % below the current price which is undervalued and in the absence of other factors preventing it from realising the fair value in your target time frame or dragging it further in the near term, then it is a reasonable price to enter
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Investments

Stocks Discussion

What kind of returns should I be expecting as a beginner investor?
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Alvin Tan
Level 4. Prodigy
Answered on 15 Jan 2020
A more direct anwer would be 4-5%, there is a 'risk-free' return from CPF at up to 3.5% for OA and 5% for SA - so ignoring the illquidity of the above, you should be aiming for that. Also if you look at the historical returns of some of the blue chips or the STI index, 4-5% is definitely acheiveable even without deep investing knowledge
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Stocks Discussion

REITs

Dividends

FSM INVEST EXPO 2020

Investments

Am starting to invest. Say after putting aside my liquid cash and have $10k on spare. What investments do you guys feel is a good start?
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Alvin Tan
Level 4. Prodigy
Answered on 15 Jan 2020
The right answer would revolve around your objectives, risk appetite, etc. etc. However, a more direct answer would be 1. SGX listed blue chips with decent dividend yield the reason is, you are starting out so you wouldnt want to be exposed to ccy risk. Blue chips usually are household names and their businesses are familar to you. They are more stable and usually are cash cows which will not scare you unduly due to volatility. Lastly, dividend yields are very encouraging for starting investors who get to see some returns credited back to your account! Hope this helps. You can choose to DCA through a RSP as well, but that's abit more passive
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