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SG Invest St-neve

We manage retail investors portfolio and encourage investors of all ages to start their investment journey.

SG Invest St-neve

Manager at SG INVEST by ST-NEVE

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We manage retail investors portfolio and encourage investors of all ages to start their investment journey.

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Manager at SG INVEST by ST-NEVE

SG Invest St-neve

Manager at SG INVEST by ST-NEVE

  • Answers (11)
  • Questions (2)
  • Reviews (0)

Investments

Hi all, I'm 31 and I just started learning about investment. My objective is long term investment with capital growth and earning some income through dividends. Is my current portfolio balanced or am I losing focus from my objective?
SG Invest St-neve
SG Invest St-neve, Manager at SG INVEST by ST-NEVE
Level 3. Wonderkid
Updated on 06 Jul 2020
One of the ways to gauge your performance is to rate it against an index, it could be S&P500, Nasdaq, STI index. ! This is how i would gauge my portfolio performance. This will give you some sense of how you have done so far and it will answer the 3 questions
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Investments

Stocks Discussion

ETF

Online Brokerages

Just started investing, is my portfolio good to go for long term?
SG Invest St-neve
SG Invest St-neve, Manager at SG INVEST by ST-NEVE
Level 3. Wonderkid
Answered on 06 Jul 2020
Wow! It is amazing you can accumulate 50K. not everyone gets to do that at your age. IBKR is a good choice. I'm using it too. Your portfolio is considered conservative for a young person like yourself. You may want to have a look at this portfolio as reference. Cheers
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Stocks Discussion

Investments

Singapore Airlines (SIA)

Online Brokerages

COVID-19

I am new to investing. Any thoughts of buying SIA shares with the intention to hold on for long term? Given that the price is quite low, is it a wise choice?
SG Invest St-neve
SG Invest St-neve
Level 3. Wonderkid
Answered on 27 Jun 2020
Hi There! It is wonderful that you are asking for opinions. Like most of us, we started reading up on books, like these before we can start to give opinions. However, our opinions and advices won't matter to you because it is more important to judge the investment on your own. After all, your hard earned money and savings are going to be invested based on people's opinions online? It would be better if you could at least spend some hours to read some basics to know what to do. That will help put you in good ground to build on your future investments. Invest well!
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Stocks Discussion

Investments

Online Brokerages

I'm a newbie in stocks investment. I'm 31 yrs old and have 30k, interested in ST eng as i see that it drop from 4.4 to 3.3. Is it a good time to buy?
SG Invest St-neve
SG Invest St-neve, Manager at SG INVEST by ST-NEVE
Level 3. Wonderkid
Answered on 26 Jun 2020
Hello Alice. I would really recommend you to read up on some books before you embark on your investment journey. It would mean alot to take the time to read up these books which i started on my own too. Also, you might want to understand your objectives and an overall view of what you want to target with the number of years you intend to invest. I have document most of what I know to share with people like your self to start your investment journey. Be careful of what you invest and let me know if you have questions. Cheers
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Retirement

Investments

Savings

I'm 36 this year. Is 1mil enough for retirement at 60? This is for me alone, my wife will have her plans to reach her 1mil. Both do not include cpf. Any advice?
SG Invest St-neve
SG Invest St-neve, Manager at SG INVEST by ST-NEVE
Level 3. Wonderkid
Answered on 25 Jun 2020
Hello! I'm 36 this year too. I'm assuming you have SGD500K cash for investments that generate 4% returns? Take care to check if your 4% is rate of returns or annualised rate of returns. I made a mistake of calculating wrongly before. You intend to try to maintain SGD3K monthly expenses which I would need your advice on how you can do it. Will be great if you can roughly share a breakdown of your expenses. I wonder if you do drive coz my car expenses is about SGD 1200 per month and i try to reduce by going JB to pump petrol and stuff.
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Stocks Discussion

SGX

Investments

Online Brokerages

Sembcorp Marine Ltd (SGX: S51) and Sembcorp Industries Limited (SGX: U96) are going to separate. What are your thoughts?
SG Invest St-neve
SG Invest St-neve, Manager at SG INVEST by ST-NEVE
Level 3. Wonderkid
Updated on 24 Jun 2020
If you are owner of SCM shares right now, the best option is to buy the stock at $0.20 per share. A great example will be SIA rights issues. ! During the Rights Issue Exercise, SIA offer $3.00 per share and the market price nose dive to under $3.50 per share. Case in Point: 1. SGX Blue Chip Stock - Market sentiment always regard these stocks as high valued stocks and it would be unthinkable for it to go below $3.00. Temasek and SIA managment has already calculated the risk and determine the value at $3.00 which means they were pretty confident market forces will not push it below $3.00. 2. In the event, there is no traction to buy the shares, Temasek will buy up. This is win-win. 3. As you can see, right after the Exercise was completed, SIA rebounded above $4.00 per share. So based on these recent examples and huge financial backing from the Temasek, they have probably made their calculations. SCM issuing shares for $0.20 per is unprecedented and it spooks investors but it should be a no-brainer for anyone with logic and sense. Of course there is every possiblity the shares will nosedived but the probability is low. I own S51 shares and this is a no-brainer to buy in the shares at $0.20 per share. My expectation that it would hover aroung $0.50 per share after the rights issue. Fingers crossed.
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Investments

Robo-Advisors

Stocks Discussion

Online Brokerages

Undergraduate

I have 100k cash now. What should I do?
SG Invest St-neve
SG Invest St-neve
Level 3. Wonderkid
Updated on 24 Jun 2020
Bing Yong you are in a very privilleged position and much to many people's envy. StashAway, roboadvisor, these are all current hot trends and in 10 years time, they will be obsolete. I'm not sure if reading books is up your alley (I hate reading books, that's for sure). But if reading is not your things, I would still encourage you to read at least these 3 books to help you prepare your mindset and develop your critical thinking. To accumulate SGD 150K, you are a smart thinker and definitely should research and identify what you hope to achieve. What I can share with you is my portfolio if you decide Stock Investment is something you want to be aggressively pursuing while you are young. ! Otherwise, I have read on investors who made good decisions on investing in Singapore Stock Dividends. This is one you can go read up. This investor here has also done well in his investments. All I can advise is to read and research before you begin your journey. Have fun investing.
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Investments

Online Brokerages

Interactive Brokers

SAXO Markets

Stocks Discussion

I'm holding US growth stocks for long term. Should I switch from Saxo to Interactive Brokers?
SG Invest St-neve
SG Invest St-neve
Level 3. Wonderkid
Answered on 24 Jun 2020
I had the same problem when Schwab closed its Singapore Office last year and I was scrambling to search for a replcement online brokerage. I chose IB at the end because in long term it makes better sense cost wise. The only charges you get is the monthly fee of USD 20. If you are active in trading that charges commission (0.08% of trade value) and it exceeds the USD 20, it will be USD 20 - the commission value incurred. They basically encourage you to trade actively. A positive way to look at it is also to strive to save and allocate USD 100,000 into the account. When you open the account, you will have 3 months fee waiver. Your cash in the account gets interest too. One of the advantage of IB is using the currency exchange rates. For example, I have SGD10,000 in DBS bank this month. If the trend shows SGD is getting stronger against USD, meaning for SGD 1000, I can exchange USD 730, it is a good rate currently. previously SGD was weaker when it was traded at USD 710. So now you have USD 730 in IB account. You can either traded to invest in stock or there is not much to invest because the time is not right. Take note on the SGD getting weaker to the USD. If SGD is getting weaker, you can trade USD 730 to SGD, that would give you SGD 1,022 in the IB account. You could cashout the SGD 1,022 back to your DBS account. That's how you can earn some money with currency trading. It is a small example. Hope this helps. I didn't choose or tried Saxo so I can't comment.
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Investments

Stocks Discussion

Robo-Advisors

Online Brokerages

I just graduated and started working. I currently have $5k savings and plan to set aside $500-800 monthly to invest. How would you suggest to allocate them?
SG Invest St-neve
SG Invest St-neve
Level 3. Wonderkid
Answered on 24 Jun 2020
Welcome to the working world. I was exactly in your situation when I started out working. I had about SGD 5K and I convert to USD 3K to start off my investment journey. One of the things i prepared was to read up. I hate reading books but if there are any books to read, I would recommend these 3 books. Next you will have to consider the type of online brokerage accounts to use for the long term. I'm sure you can look up on the many reviews online to choose but here are the tried and tested that I used over the years. It's ok to start with SGD 5K. The important thing is to start and get it done. That's the most important step. I wish you well and good luck!
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Investments

Stocks Discussion

Online Brokerages

I'm 20, with a savings of 15k. I want to start investing but I am not sure how. Any advice?
SG Invest St-neve
SG Invest St-neve
Level 3. Wonderkid
Updated on 23 Jun 2020
I'm really happy for you. You are probably one of the few 20 year olds to think of the future. good on you! I was just like you with SGD15,000 savings and I had no one to ask. But you are really lucky to have so many online references. There are 3 Simple Ways you should start with your SGD 15,000: 1. Read books I know young people don't read these days and I didn't like to read too. But if there is any books you have to read, it has to be these 3 books that go me started on my investment journey. This is really no choice but to start these 3 first. 2. Open a Brokerage Account If you read these books, you have to decide what accounts to open. I have document my journey on the different accounts I used over these 12 years. You can use them for reference. 3. Profits are made when you BUY not when you SELL I would not encourage you to sell but to hold long time, at least 20 years but here is a screenshot of my current portfolio. Hope it helps. ! Invest well!
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Level 3. Wonderkid
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