Loh Tat Tian
Ex-Financial Advisor, Founder at Singapore Insurance Value Finding

Top Contributor (Jan)

331 upvotes received
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Ex-Financial Advisor, Founder at Singapore Insurance Value Finding
Top Contributor
(Nov, Dec, Jan)
  • 232

    Answers

    Answers (232)

  • 2

    Questions

    Questions (2)

  • 1

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    Reviews (1)

  • 16

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    Topics (16)

  • Asked by Anonymous

    Loh Tat Tian
    Loh Tat Tian, Ex-Financial Advisor, Founder at Singapore Insurance Value Finding

    Top Contributor (Jan)

    232 Answers, 331 Upvotes
    Answered 20h ago
    1) You can throw into CPF to max out Full Retirement Sum and Medisave (your first blanket of retirement). 2) The rest cna be split into income and growth stocks. Just enough income for basic needs, while growth stocks is more to beat inflation and to increase your wealth preservation power. 3) Actual split, good luck since everyone's needs is different.
  • Asked by Anonymous

    Loh Tat Tian
    Loh Tat Tian, Ex-Financial Advisor, Founder at Singapore Insurance Value Finding

    Top Contributor (Jan)

    232 Answers, 331 Upvotes
    Answered 20h ago
    Because the price of the stock drops in relation to the dividend. E.g Stock is priced at $1.00 By dividend payout, it goes up to $1.03. Dividend is $0.03. Stocks drops to $1.00 again. Also, most dividend announcement follows Financial Year reporting. Hence, it may also contribute some risk into just doing this. Even if you hold longer to wait for the price to recover, what if it doesn't? Case in point. Look at Singtel Dividends In 18 Dec 2018.
  • Asked by Anonymous

    Loh Tat Tian
    Loh Tat Tian, Ex-Financial Advisor, Founder at Singapore Insurance Value Finding

    Top Contributor (Jan)

    232 Answers, 331 Upvotes
    Answered 3d ago
    Always remember. In life, you are presented with tools. How you use them dictates the good and bad. Give a man a fish Instead of teaching them, you create dependency. Or you could give them 1 fish and ask them to create value from it (resell and repackage, make a cooked fish etc). Or even teach him to fish, if fishing is his intention. So for leverage, it's a tool that the wealthy commonly use. It's how the grow their wealth. However, its a difficult tool to use, because it magnifies whatever result that you get. E.g if you are a chef, you use the correct knife to cut the correct stuff. If you didn't take precaution, you cut your fingers (sometimes by accident). But with proper training and knowledge, the risk is reduced (having finger protection). So proper risk management (the skillset and knowledge) can help you to leverage (knife).
  • Asked by Anonymous

    Loh Tat Tian
    Loh Tat Tian, Ex-Financial Advisor, Founder at Singapore Insurance Value Finding

    Top Contributor (Jan)

    232 Answers, 331 Upvotes
    Answered 5d ago
    There is no better or worse. They are tools to validate the price action and value of the company. Fundamentals just means looking at the whole company financial health (like how you do a review for your own health). It's meant to help you find out the company financial stand. Hence people look at the various indicators. 1) Price to Book 2) Price to equity 3) Net Asset Value 4) Income and expenses, and those related to operational like free cashflow etc. Investmentmoat (By Kyith Ng) is really a great resource for such analysis. He really goes in depth to understand a company. Technical Analysis is just judging based on the chart, price action, volume, support and resistance, etc to gauge the sentiments of the market. It shows you consolidation (people buying or selling a stock currently), possible breakout or sell down (especially when Consolidation occurs). Etc If you are able to combine the two, you will likely get a better price than just relying on FA. Though, the basis for your price should be on FA, and TA is just used to see when is a better time after you have done your FA.
  • Asked by Anonymous

    Loh Tat Tian
    Loh Tat Tian, Ex-Financial Advisor, Founder at Singapore Insurance Value Finding

    Top Contributor (Jan)

    232 Answers, 331 Upvotes
    Answered 3w ago
    What makes you think of wanting to upgrade to private insurance coverage in the first place? If you are fine with public hospital A ward, then you can stick to it? Before we advice, maybe you should let us know the reason behind wanting to upgrade to private?
  • Asked by Anonymous

    Loh Tat Tian
    Loh Tat Tian, Ex-Financial Advisor, Founder at Singapore Insurance Value Finding

    Top Contributor (Jan)

    232 Answers, 331 Upvotes
    Answered 3w ago
    To be true to its name, its basically a daily hospital cash plan for days that you are hospitalised (be it from accident, sickness, etc). Its underwritten by chubb. For this kind of insurance, it depends on whether you think you require it. The more generic ones are the ISP (integrated shield plans), which have a daily hospital benefit provided you bought private shield plan with rider and stay in a public hospital A ward instead.
  • Asked by Anonymous

    Loh Tat Tian
    Loh Tat Tian, Ex-Financial Advisor, Founder at Singapore Insurance Value Finding

    Top Contributor (Jan)

    232 Answers, 331 Upvotes
    Answered 3w ago
    Yes as what you mentioned. ECs are "privatised easily" after 10 years, and this gives developers a chance to redevelop the area and sell the shoebox apartments (after development) for a profit. They are also under Executive Condo Housing Scheme Act. https://sso.agc.gov.sg/Act/ECHSA1996 Do take note you still need majority to vote for privatisation, then for developer takeover if you wish to participate in ECs.
  • Asked by Anonymous

    Loh Tat Tian
    Loh Tat Tian, Ex-Financial Advisor, Founder at Singapore Insurance Value Finding

    Top Contributor (Jan)

    232 Answers, 331 Upvotes
    Answered 3w ago
    This is a difficult question to answer. But it does makes sense to get a newer car with waranty, less issues, less repair cost. The loans from Car Loans, if you are confident of beating it, do go and invest but loans repayment are guaranteed... that's my opinion Pay down loans if you are unable to get the returns higher than the loan interest.
  • Asked by Anonymous

    Loh Tat Tian
    Loh Tat Tian, Ex-Financial Advisor, Founder at Singapore Insurance Value Finding

    Top Contributor (Jan)

    232 Answers, 331 Upvotes
    Answered 3w ago
    Considering your risk appetite (wow quite a lot in bonds), 4% returns can be easily gained through your CPF SA / MA account. Alternatively, you may want to invest in your parents CPF accounts (for the first 30k at 6% and the next 30k at 5%) and Children's CPF account (for the first 60k for 5%). For higher risk appetite, you may wish to look into REITS for higher dividend gains (but do not fall into the high dividend trap). Look for those with positive free cash flow for sustainability of such REITs / Stocks. For the stock market, ABF Bond fund may be a suitable one, though it can hardly hit 4% in my humble opinion.
  • Asked by Anonymous

    Loh Tat Tian
    Loh Tat Tian, Ex-Financial Advisor, Founder at Singapore Insurance Value Finding

    Top Contributor (Jan)

    232 Answers, 331 Upvotes
    Answered 3w ago
    Unless you wish to do options / forex / futures / contracts etc... then you may wish to explore them further (professionally)... otherwise, Nicholes Wong, our top contributor has shared basically what shiny things recommend for regular guys.
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