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Heah Min An

Family 1st! After that, media person @askMinAnhowto @valueinvestinghowto, time saver @vic

Heah Min An

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Family 1st! After that, media person @askMinAnhowto @valueinvestinghowto, time saver @vic

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Heah Min An

  • Answers (27)
  • Questions (0)
  • Reviews (1)

Investments

Stocks Discussion

Dividends

Growth Investing vs Dividend Investing which is better?
Heah Min An
Heah Min An
Level 5. Genius
Answered on 10 Feb 2020
No style is better as I use different approaches to achieve different outcomes. On a highway, I drive a fast car. On a jungle track, I drive a jeep.
👍 0

Stocks Discussion

Investments

FSM INVEST EXPO 2020

How do I calculate the intrinsic value of a stock?
Heah Min An
Heah Min An
Level 5. Genius
Updated on 20 Jan 2020
I only have 2 methods + 1 pre-requisite: Method A: Buy the company for its dividends 👉🏻 use dividend yield method (Google the formula) 💡Determine the yield that you want also you to know the price that you’ll buy this company at Method B: Buy the company for its earnings/cash flow powers 👉🏻 use the discounted method (I.e. over a 10 year period, if I earn $10k each year, should I pay a price of $100k now?) 🔆Pre-requisite: Formulas have always been there. Strangest part is when investors ain’t clear of their intentions of buying the stock. Once I clear this huddle, it’ll a breeze.
👍 2

Stocks Discussion

REITs

How do you analyse REITs?
Heah Min An
Heah Min An
Level 5. Genius
Updated on 10 Jan 2020
Understand how my REIT earns $; Google “Business Model Canvas” & fill it up. If there’re areas that I can’t fill up, that means a gap in my understanding. If you need help in filling that canvas, you can drop your questions👇🏻
👍 0

Investments

Stocks Discussion

Savings

STI ETF

What would be some advice given to new investors?
Heah Min An
Heah Min An
Level 5. Genius
Answered on 09 Jan 2020
Hey! It's 2 months. Did you start on anything?
👍 0

Valuation

Investments

When deciding whether to invest in a company, what is the most important metric to look at?
Heah Min An
Heah Min An
Level 5. Genius
Answered on 09 Jan 2020
Hmm, all answers are very technical. I'm plain Jane.👇🏻 Do I understand how my company earn $?
👍 0

Investments

Robo-Advisors

P2P Lending

OCBC RoboInvest

StashAway

AutoWealth

Funding Societies

SeedIn

ETF

MoneyOwl

Syfe

Just finished my first year into investing, investing about 90k into various passive forms of investing, mainly robos (time-weighted average 60k). I’ve generated about 6.5k of returns, is that decent?
Heah Min An
Heah Min An
Level 5. Genius
Answered on 01 Jan 2020
Do you feel happy, confident of your investment selections, able to sleep soundly at night? If you’re, then continue doing it. It’s decent. Investment results are good. Investment results achieved by amount of corresponding amount of risk taken needs to be the conversation in this community. The community can’t quantify risk as easily as investment returns thus it naturally leads to an over fixation on purely returns. Risk comes from not knowing what I’m investing. Thank you for taking your time to read.
👍 2

Stocks Discussion

DBS

Investments

Looking at DBS for my first stock, any recommendations/objections?
Heah Min An
Heah Min An
Level 5. Genius
Answered on 31 Dec 2019
Do you work in a bank?
👍 1

Investments

Dividends

SG Budget Babe

I am planning on dividends investing; what companies (SG) are recommended?
Heah Min An
Heah Min An
Level 5. Genius
Answered on 28 Dec 2019
We reduce our investment risks by investing in what we understand. You can Google “Business Model Canvas”. I use this framework to understand my REITs selection. There are 9 boxes that I need to fill in in order to understand my REIT fully. If any box is missing, that means that it’s time to research, attend AGMs to clarify. So, start filling up that canvas. If you need any guidance on filling that canvas, you can drop them in the comments👇🏻
👍 2

Investments

Savings

ETF

StashAway

DBS

To try out ETF or put more money in StashAway?
Heah Min An
Heah Min An
Level 5. Genius
Answered on 22 Dec 2019
Javier, I’m 34 this year. This should allow you to understand the context of my answer. Before you proceed any further of allocating your $, I sense that there isn’t a goal. Even there’s one, I sense no clarity in it. All methods above are tools to reach a goal. 1. Do invest time to gain clarity on your goals. 2. I would review the insurance that I have on hand. Insurance are for protection. I previously used for future gains but I’ve switched to value investing in REITs for my goal is clearer now. Insurance used for wrong objectives are basically inefficient. 3. Invest time again, yes, be patient, to find a tool that you understand the most. The risk for all investors is investing in something that they don’t know. When you’ve completed item 1 & 2, do ping back in the comments below👇🏻
👍 1

Investments

Stocks Discussion

Property

Given the current global economic outlook, what are the options if I have 20k cash to invest with, and looking at roughly 5% p.a. over 5 to 10 years?
Heah Min An
Heah Min An
Level 5. Genius
Answered on 22 Dec 2019
It’s been 4 months since this question. Assumption before the bottom is valid: You’ve insurance protection for your dependents, your parents and yourself. Invest in what I know & understand; applies to all tools that you’ve on hand. I invest in REITs that I know; commercial REITs - know my properties, understand the factors that can increase its rental revenue, decrease its operating expenses, maximise its leverage game of interest spreads. In another words, do my homework. Diversification has its strengths. Even that, if you choose to invest in ETF, do our homework too for the value of an ETF also relies on certain underlying assets.
👍 1
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