SingaporeChap - Seedly
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SingaporeChap

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SingaporeChap

  • Answers (5)
  • Questions (13)
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Singapore Saving Bonds (SSB)

Bonds

Investments

ETF

Online Brokerages

Stocks Discussion

Hi all, what’s the difference between Singapore Savings Bond and ABF Singapore Bond? Is one more risky than the other?
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SingaporeChap
Level 3. Wonderkid
Updated on 30 May 2020
It's true that ABF Singapore bond fund tracks multiple bonds including Singapore government bonds, and especially so. It has ~90% Singapore government holdings, which means it is very similar to SSB. Image below is ABF Singapore bond fund's holdings ! Perhaps there are different class of Singapore bonds hence the different return, but maybe because ABF Singapore bond fund bought these longer tenure bonds which is giving out higher returns as compared to current bonds due to the global deflation interest rates. From how I see it, SSB you are buying 100% current Singapore bonds, and ABF Singapore bond fund you are buying 90% existing Singapore bonds. Please let me know if I am getting this right, as it's also my first time looking at the both of them. Thanks! Update: Did some further digging and, based on this 2017 article ABF was holding ~90% of Singapore government, or quasi government bonds in 2017 as well. Which means that is is consistently holding high grade bonds belonging to SG gov.
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Investments

Stocks Discussion

Online Brokerages

Economics

Is this the best time to invest in stocks, given that we know 'for sure' in a mid-long term, there will be significant capital appreciation (e.g. if we look stronger counters such as banks)?
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SingaporeChap
Level 3. Wonderkid
Answered on 29 May 2020
The only thing you are sure is that you know nothing for sure. This is the mantra of investment.
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REITs

Investments

Stocks Discussion

Online Brokerages

Property

Is it risky to buy into Hong Kong REITs?
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SingaporeChap
Level 3. Wonderkid
Answered on 29 May 2020
I continue to buy into HKEX thinking that the currently volatility is a good way to snap up bargains. I could be wrong....
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Investments

Stocks Discussion

Bonds

General

Robo-Advisors

Online Brokerages

What are some good investments that you will choose to diversify your portfolio with?
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SingaporeChap
Level 3. Wonderkid
Answered on 29 May 2020
I am guessing you are asking as a person who has savings in stocks and cash equivalents. Moving beyond the two. 1) Commodities - Gold, silver, farm produce, oil etc. One easy way is to pick an ETF that invests into commodities. Please be aware that for the past decade commodities-wide ETFs have returned much lower than the market, but some investors continue to bet on it as each asset class are said to have their own cycles. 2) REITs - Singaporean are well acquainted with REITs due to SGX's position as Asia's REIT center. REITs are good except that it has a very high correlation with stocks. A big part of diversification is reduced correlation, which in industry term is "low beta". 3) Cryptocurrency - Unproven but has yielded handsome returns for early adopters. 4) Bonds - Could be a better option than fixed deposits
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S&P 500 Index

Investments

AMA The Fifth Person

SeedlyTV S2E04

If US domiciled S&P500 etf such as VOO has 30% dividend withholding tax and people advocate going for Ireland domiciled ones, then why do people still invest in individual US stocks?
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SingaporeChap
Level 3. Wonderkid
Updated on 03 May 2020
That's a very good question, while I don't have the answer I am also perplexed. If buying U.S. shares demands a 30% WHT, while, say, Ireland domiciled ETF only have 15% WHT, the WHT safed is more than enough to offset the expense ratios of ETFs.
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Level 3. Wonderkid
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