I’m pretty sure it’s 18.

Hey there, There’s a good reason why. Berkshire Hathaway’s purchases may be publicly announced, but it is in a quarterly basis. By then, the information may be too little too late. Even if it is a share that Mr Warren Buffett is willing to hold, you may not buy at the same, or better price then he does. Furthermore, if he realises he made a mistake, he can sell immediately, but you would only know 1 quarter later. At best, you knew he sold, but not why he sold, and where he used the proceeds at. Another consideration is that one may not be as emotionally stable as he is. This is a guy who’s been through the Great Depression and knew what it‘s like been in the worst economic condition possible. Not many people today have been through similar circumstances.

I avoided Hyflux after seeing one of its bond issuance. Reason being, they issue the bond to pay for a previous tranche of bonds. To me, this highlights that the company is having cashflow issues. Think of it this way, your friend borrowed from another friend $475 and five years later, he borrowed $500 from you to pay off this other friend. Would you have lent him/her? If no, then multiple that by 1million and that‘s what Hyflux did. Always know what the company is planning if they intends to take on more debt, whether it us to open more branches or expand overseas, and whether it makes sense. Do your own due diligence too.

Your emotions and knowledge. Your emotions because you will lose money at some point in time. It‘s just a matter of how long does your winning streak continues. How may your emotions affect you to make the wrong decision? Your knowledge because you are investing, not gambling. What are the different types of assets you can invest in and what is the likely range of returns for each category.

Can, if the one doing is willing to do spreadsheets and show the others how much they make, what’s their share of returns/dividends. If lose money, who wanna be responsible? Like that machiam mini fund manager. (Unpaid). If it were to be this way, then profit you all share, losses you take full, want? While it is advantageous to multiply the returns by pooling, it is also disadvantageous when money is lost. Cough cough “Hyflux” cough cough. Just to add on. Whoever is using their names to buy the stocks better not end up bedridden, comatose, use the stocks as collateral, or end up dying. Cos if they don’t put contract, or the ringleader do not do a proper will, all these guys hard earn money will go to ringleader’s family!

First things first, have you ever done any sort of investments before? What are your returns like? If this is your first time investing, i would say, keep the money in cpf, and research on what is investment? Read up books, join courses, ask your investment savvy friends, bloggers, etc. Build up your knowledge so that you know what you are buying into, what’s the risk you are taking, etc etc Without any knowledge, without focusing on risk, and only focusing on returns, you will eventually set yourself up to lose most of your cpf. And no, i’m not fearmongering. I’m considering the worst case scenario whereby it is 100% capital loss. When one thinks about what to do with their retirement fund, better be safe. if you do have investment knowledge, and practical experience, then it may be a good time to use cpf to invest. main considerations include not needing the money soon, e.g. bto, getting higher returns that the guaranteed 2.5/3.5/4/5% that cpf gives, with relatively lesser risk.

IPO strategy is different from normal investing. Mainly, you go punting when it comes to IPO, i.e. You ballot for the shares and inmediately sell it off for profit. There are, however, some shares where you would keep, e.g. The co is a reputable one, such as OCBC or Berkshire Hathaway. I wouldn’t depend on IPOs to invest in the long term. This is because you require two things which are out of control, which is the allocation and opening share price. Please go to this link to see a further explanation on IPOs. https://singapore-ipos.blogspot.com/p/investment-strategy.html?m=1

Are your parents there too? Maybe the his parents can tell her parents if they only listen to 同辈. Being generous is okay, but not being taken advantage of. The fact that you would ask means you feel like you are being taken advantage of. Talk to your gf and let her know. See if she wants to come up with a solution with you. (One way is saw people resolve, is for the girl to give money beforehand to the guy, before the guy pays for the meal. )

Unorthodox method. Learn to window shop, if possible, with an empty wallet. Why, you may ask. This is to resist temptation and without money, credit cards, etc, you can’t buy anything. Once you are conditioned to resist temptation, you can avoid impulse buying based on (e)-marketing. When you can do so, you would be able to save up a considerable sum of money.