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Changzhong Zhuang

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Changzhong Zhuang

Lawyer at Eversheds Harry Elias

9Upvotes

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Lawyer at Eversheds Harry Elias

Changzhong Zhuang

Lawyer at Eversheds Harry Elias

9Upvotes
  • Answers (5)
  • Questions (0)
  • Reviews (7)

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Changzhong Zhuang
Changzhong Zhuang, Lawyer at Eversheds Harry Elias
Level 3. Wonderkid
Updated on 07 Jun 2019
there. The two instruments you are looking at are at the safer end of the spectrum for investments. They are great picks for diversifying your investments in stocks and other more volatile instruments. Let me first address the two metrics that you have raised 1. Capital protection SSBs are very safe as they are fully backed by the Singapore government. The ABF Bond ETF, while consisting of mostly AAA rated singapore government bonds, is still less secure as there are also lower rated bonds 2. Returns SSB has lower returns with the highest in recent times being the July 18 tranche with a 2.63% return over 10 years. In comparison ABF Bond ETF has traditionally achieved returns of up to 3.6%. Personally when I consider guaranteed returns, I usually think CPF. Even OA already nets you 2.5%, not to mention the first 20k or even SA. But if you have a shorter investment horizon, that's the spot that SSB can fill. Your short term guaranteed returns investment. Or you can use it as your emergency savings stockpile given that it is relatively liquid; you can redeem it within a month with a nominal fee of just $2. As for ABF, it serves as a step down from SSB in capital protection, with the tradeoff being higher returns. This helps to further diversity your investments. Besides, bonds conventionally move in the opposite direction of equities, and can help you psychologically when there's a downturn. ABF tends to be a long term investment though, because it takes time for average returns to rise to a meaningful level. Hope this helps!

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General

Changzhong Zhuang
Changzhong Zhuang, Lawyer at Eversheds Harry Elias
Level 3. Wonderkid
Updated on 07 Jun 2019
I value the following 1. Sincerity 2. Candour 3. Knowledgeability 4. Commitment 5. Non-mercenary motivations 6. Humility 7. Diligence I must say, that Luke Ho is a top man who I find fulfills the above. Found him on seedly, and working with him since.

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Career

Changzhong Zhuang
Changzhong Zhuang, Lawyer at Eversheds Harry Elias
Level 3. Wonderkid
Answered on 20 Sep 2018
Before the interview 1. Find out who your interviewers are. Research them thoroughly (use Google!) so you know what questions to expect 2. Dress appropriately. Generally wear a suit for an interview for an office job. But be Conservative. No flashy weird stuff! 3. Arrive at the office at least 15 minutes early. Camp downstairs if you are earlier. At the interview The objective is not just for the company to find out if you're a good fit for them but to also find out if they are a good fit for you. So, 1. Treat it like a dialogue, not an interview. The questions go both ways. This helps to show the interviewers that you are genuinely interested in the company and helps convey confidence 2. Prepare some questions! They may ask if you have any questions and facilities point 1. 3. Think of three things you want to know about the job/company and three things that you want the company to know about you. Try to ask/share this during the interview. Again this helps to facilitate point 1. After the interview 1. Send a personal email to each interviewer thanking them for their time and for one thing that they said or shared I.e. Thanks for sharing about your experience with the firm and how that has shaped your career. But be succinct and sincere. I learned the above from my interviews, both the successes and failures, and from researching through various channels. May they in turn help you (:

General

Changzhong Zhuang
Changzhong Zhuang, Lawyer at Eversheds Harry Elias
Level 3. Wonderkid
Answered on 23 Aug 2018
Hi there. That is very unfortunate and I am sorry to hear that. I would do the following if I were you: 1. Explain your sickness in some detail "I have come down with a 39 degree fever unexpectedly. Seen the doctor and he recommends 2 days of rest" 2. I would then ask politely if I may take my MC. Now I want to stress that taking MCs is perfectly fine and is within your rights. Asking politely just gives the impression that you're not issuing an ultimatum but genuinely trying to work with him. But even if he says no, you can still follow up with a "sorry but I am really too sick to go to the office today. I will be resting at home instead" It's very unfortunate that you're sick on the first day of work because that creates a bad impression. But remember that this is a temporary job and don't take it to heart. If you're fired, so be it. Try again elsewhere. All the best!
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