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Alvin Teo

Financial Planner at Promiseland Independent Pte Ltd

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Alvin Teo

Financial Planner at Promiseland Independent Pte Ltd

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Stocks Discussion

Investments

FSM INVEST EXPO 2020

A lot of people mentioned discounted cash flow. However, it relies on a lot of deep understanding of the business and its future undertakings, prediction, and those predictions actually coming true. If you are beginner, you should try to do asset based valuation. Simply put, its all the assets (tangible and intangible) minus liabilities. Apart from finance related companies, most traditional businesses can be evaluated using this method first. My take is that, if you value a company to be worth $1 today, and it is trading at $0.30, if the company liquidates tomorrow, you could be getting a profit even. This requires little to no knowledge as to how to company is going to make its money in future. It also teaches you to go through annual reports and balance sheets. Once you are comfortable, then use discounted cash flow methods when you have better understanding of how it's undertaking makes money for the business and sustainability. Although I mention if the business close shop tomorrow, but that shouldn't be your timeline of investments, a school of thought amongst value investors is trying to invest in a stock for a few years hoping it will unlock value and bring about huge capital gains. No one will be able to give a definitive answer on valuating a company. Just hope you find one that resonates with your values and you can profit of it.

Insurance

Family

SG Budget Babe

Hospitalisation Insurance (H&S)

Parenting

Personal Accident (PA)

Alvin Teo
Alvin Teo
Level 6. Master
Answered 5d ago
Myself also became a father this year! So naturally I did the research for my boy as well. For hospitalization plans, AIA has the best in terms of feature and value for money. For PA plans Sompo PA junior. Or if you and your wife is looking for one you can both get Sompo’s PA star and the kid gets free coverage. Since you’re mentioned how much is enough for your child, when kids are younger, insurance is typically cheaper than adults, so most parents I come across will just get the highest plan. Probably in future if budget becomes a concern, one can always downgrade to govt hosp class A. I hope of the many articles you’ve read, you came across mine :) https://www.theastuteparent.com/2019/09/best-shield-plan-for-newborn-baby/ I’m in IFA and can distribute a lot of companies, I got AIA for my boy.

Property

Investments

Alvin Teo
Alvin Teo
Level 6. Master
Answered on 11 Dec 2019
If flood is a concern, by default you should choose high ground land areas to invest in. But hedge your bets by purchasing adequate home insurance as well.

SG Budget Babe

Stocks Discussion

Investments

Alvin Teo
Alvin Teo
Level 6. Master
Answered on 10 Dec 2019
Having been there myself, it’s not about who can invest better. It’s a combination of various factors like authority etc. Maybe best thing you can do is show them your returns. Or..invest their allowances in whatever way you choose

Insurance

Whole Life Insurance

Term Life Insurance

SG Budget Babe

Family

Alvin Teo
Alvin Teo
Level 6. Master
Answered on 04 Dec 2019
Hi Kenny, get whole life. In short, a term plan typically is used to cover any outstanding debt or “unearned” future earnings due to premature death. A strong key reason for getting WL for baby apart from low cost of insurance is that you can add on Early stage critical illness / multipay CI riders. The purpose is now different as opposed to getting term. If child is unfortunately diagnosed with early CI, one or both parents may need to stop work to look after the child. The payouts from the CI benefits is to now protect the income loss of the parents. As others have mentioned, do ensure you have shield plan and PA plan for yourself and your baby. For shield plans, I have covered it comprehensively in an article here: https://www.theastuteparent.com/2019/09/best-shield-plan-for-newborn-baby/ AIA is no brainer because not waiting period for congenital illnesses and coverage of $2 mil for private hospital plan For PA plans, can consider Sompo where if both parents were to be insured, the child gets free coverage as well to a certain extend: https://www.theastuteparent.com/2018/03/sompo-pa-star-personal-accident-insurance-for-family/amp/ To help you do these things better and with clarity, you need to speak to an independent financial adviser like myself to save you time from doing it yourself and filtering sales pitches from various agents saying why their company’s the best as we can advise, compare and distribute plans from multiple insurers.

SG Budget Babe

Family

Lifestyle

Alvin Teo
Alvin Teo
Level 6. Master
Answered on 02 Dec 2019
As a new parent myself, I would say be patient and compare prices during 11.11,12/12 type sales, also go baby fairs too. Paying $1 more for online maybe worthwhile considering it’s delivered to your doorstep. I have previously written an article based on my experience here: https://www.theastuteparent.com/2019/10/10-best-ways-to-save-cost-during-your-pregnancy/

Stocks Discussion

Alvin Teo
Alvin Teo
Level 6. Master
Answered on 02 Dec 2019
As an investor, I like that they are planning to raise more money to make more money rather than borrowing. It allows them to access to more funds. Fundamentals of the original Thaibev company still needs to be monitored as they have been marked for having higher levels of borrowings.

MileLion

Alvin Teo
Alvin Teo
Level 6. Master
Answered on 02 Dec 2019
Whatcard Or rather after you get your card, maybe you can use Seedly (app/Facebook group) to discuss strategies. A lot of card gurus to help you there.

Stocks Discussion

Alvin Teo
Alvin Teo
Level 6. Master
Answered on 13 Nov 2019
Taking profit yes but you have to check on your portfolio weightage. Maybe switch the investments to something else like consumer staples or fast food. Yum (owns kfc/taco bell/Pizza Hut) did quite ok during crises because people eats fast food more instead of restaurants to save up. Waiting for corrections is one of the worse kind of timing the markets. You never know when is it rock bottom, when is it’s climb back up or if it’s a dead cat bounce. Portfolio management is still key here. Adjust the % in it and see where that leads to. If you are still worried about the market conditions, you should bulk up on emergency funds and wonder if any adverse market conditions will affect your day job. The views on crises coming is typically noise and sensationalism rather than journalism. No one wants to read an article titled: “we have no idea when market will crash.”

Stocks Discussion

StarHub

Alvin Teo
Alvin Teo
Level 6. Master
Answered on 11 Nov 2019
The fact that you have to mention sustainability over dividend payouts means it’s not sustainable. 5G is not a proprietary tech for starhub only. It’s first mover’s advantage will be as short as it’s bull run once the other telco starts their own 5G network. For the longest time, starhub has had a cable tv. That did nothing for its share price and look at the state of it now.. Sometimes no need see numbers also can determine the company good to invest or not. This is unlike creative. While not inventing, it was suing people for money so that’s good money coupled with proper business management.
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