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Malvin Tan WP

I'm an Eventuality Readiness & Wishes Planning advocate. Follow my telegram channel for in-depth posts

Malvin Tan WP

Writer at t.me/pwpfpodcast

About

I'm an Eventuality Readiness & Wishes Planning advocate. Follow my telegram channel for in-depth posts

Credentials

Writer at t.me/pwpfpodcast

Malvin Tan WP

Writer at t.me/pwpfpodcast

  • Answers (42)
  • Questions (2)
  • Reviews (1)

Investments

Stocks Discussion

Online Brokerages

What are your opinions on the gaming/video game industry as a possibility for long-term investment?
Malvin Tan WP
Malvin Tan WP, Writer at t.me/pwpfpodcast
Level 5. Genius
Answered 1d ago
To add on Yh.lens answer: for you to invest in the industry as a retail investor you only have access to the bigger brand names in the industry because they have been around long enough and have a proven business model such that they can achieve a listed status, but the gaming industry is a rapidly evolving one, games lifecycle from birth to death can be measured in a few years. Hence there are alot of indie game developers that you may be playing their games but since they are not big yet and not listed you do not have "access" unless you are a Private Equity or Angel Investor, which require much larger capital base. Therefore you may still identify the winners but dont have access, (that sucks) because the bigger and more obvious names in the industry are already priced highly most of the time hence i conclude that the odds of finding opportunities for a sustainable long-term investments with easy access for u to capitalize on, are not in your favour.
ūüĎć 1

Investments

Bonds

Online Brokerages

What are your thoughts on excluding bonds in the portfolio of a young investor?
Malvin Tan WP
Malvin Tan WP, Writer at t.me/pwpfpodcast
Level 5. Genius
Answered 1d ago
As a singaporean you are already holding a semi-bond like instrument with bond like yields and that is your CPF OA just that the maturity of this bond is at 55 years old. I think if you agree with that, then adding bonds in your cash portfolio is overweighting it provided that is your asset allocation strategy, then its ok.
ūüĎć 0

Savings

Career

What side hustles can you do at 13 in Singapore?
Malvin Tan WP
Malvin Tan WP, Writer at t.me/pwpfpodcast
Level 5. Genius
Updated 1d ago
Photoshop, Video editing, logo designs, copywriting, poster designs, wordpress website design, creating beautiful powerpoint slides, social media marketing, data entry, public relations for facebook and instagram, blogpost, research, programming, virtual assistant, market research, e-commerce management, branding services, flyer distribution, lead generation, project management, craft lessons, cooking lessons, fitness lessons, greeting cards and videos, travel writing, reviews etc... people dont care about age for these skills and there are platforms that connect you to buyers such as fiverr
ūüĎć 1

In the News

COVID-19

Lifestyle

Entertainment

When can hotels be open for staycations again? And if hotels put in safe management measures, will you go for a staycation soon or would you wait?
Malvin Tan WP
Malvin Tan WP, Writer at t.me/pwpfpodcast
Level 5. Genius
Answered 2d ago
I assume with all the measures in-place it will give off an unpleasant feeling that people typically are not looking for in their vacation/staycation. Considering theres still no tourist in Singapore (the only revenue alternatives for hotels is staycation) unless someone comes up with a better alternative to make productive use of those prime real estate... my guess is I wouldnt see Singaporeans going to hotels.
ūüĎć 0

SeedlyTV S2E10

Fresh Graduates

Career

COVID-19

Could you share a bit about which industries were hit positively during this COVID-19 and why were they so?
Malvin Tan WP
Malvin Tan WP, Writer at t.me/pwpfpodcast
Level 5. Genius
Updated 3d ago
An example is the Grocery business - as more people eat at home they also stock up on more pantry. i.e Sheng Shiong net profit increased by 50% in the latest quater published. However when things return to normal, would their revenue also return to normal? There’s an old Wayne Gretzky (professional ice hockey player), "I skate to where the puck is going to be, not to where it has been". Look for the fundamental shift in consumer behavior then you can identify the long term positive impact on market because of Covid-19.
ūüĎć 1

Investments

Stocks Discussion

SGX

REITs

Blue Chips

Online Brokerages

If I only invest in local stocks, is it fundamentally right or wrong?
Malvin Tan WP
Malvin Tan WP, Writer at t.me/pwpfpodcast
Level 5. Genius
Answered 4d ago
Indeed you do not necessarily get poorer results just because of a geographical location. Warren buffett advocates staying within your circle of competence, fundamentally u should be looking for an edge if as a consumer in the local context can give you that then you should maximize it but then again alot of the services we use nowadays are international i.e apps u commonly used. The fundamentals are to invest in what you know.
ūüĎć 1

HDB BTO

Property

Family

Anyone looking at the August 2020 BTO Launch? Which area do you think is the best?
Malvin Tan WP
Malvin Tan WP, Writer at t.me/pwpfpodcast
Level 5. Genius
Updated 4d ago
The one nearest to town and also to an mrt, i guess that is the "best" according to past oversubscribed projects provided by best means you the one most people like then i guess it will be the Geylang project technically its at Dakota MRT
ūüĎć 0

SeedlyTV S2E10

COVID-19

Fresh Graduates

I am an ITE graduate from the class of 2020. Will it be difficult for me to find a decent-paying (at least $2.5k) job during this period since even university graduates are struggling?
Malvin Tan WP
Malvin Tan WP, Writer at t.me/pwpfpodcast
Level 5. Genius
Updated 4d ago
Sometimes what happens in the end can be counter intuitive for example employers are looking for ways to cut cost and one of the heavyweight are the high cost salaries. There are a few possible scenarios; 1) one either employers and employees negotiate to an "supposed lower salary or 2) the employer might want to hire another person instead for the "supposed" lower salary, 3) provided the slowdown does not continue otherwise the company may just not hire at all and close shop. In conclusion: i believe your chances are actually higher now compared to university graduates
ūüĎć 0

SeedlyTV S2E10

Career

How can I look for a reputable referee to help me with my job application?
Malvin Tan WP
Malvin Tan WP, Writer at t.me/pwpfpodcast
Level 5. Genius
Answered 6d ago
You should always be looking even before you plan to apply for a job. Be nice, be kind and you should have no problem when necessary
ūüĎć 0

SeedlyTV S2E08

CPF

Supplementary Retirement Scheme (SRS)

Investments

Online Brokerages

Would you recommend the same investment strategy for aa SRS account?
Malvin Tan WP
Malvin Tan WP
Level 5. Genius
Answered 6d ago
In Singapore there is CPF, why is a second retirement account created? The SRS is for your retirement but unlike CPF, the SRS Acccount has the freedom to withdraw albeit with a penalty. This give the account holder the option to manage it as your liquid capital, if you wish. And correspondingly you should invest it equally as per your capital.
ūüĎć 0
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