Zann Chua
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Top Contributor (Mar)

Level 6. Master
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have an interest in investment, self taught at home
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Top Contributor
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(Feb, Mar)
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  • Asked by Anonymous

    Zann Chua
    Zann Chua
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    Top Contributor (Mar)

    Level 6. Master
    Answered 18h ago
    Hello! I personally feel that both are equally important and if you can you should engage in both. Investments may be able to give you an alternative source of income. Should you happen to lose your job, you would not need to worry as much since you have an alternative source of income if you have engaged in investing. On the other hand, insurance is a form of safety net where we may be able to fall back onto should any unfortunate event happen. It would be best to be able to have both investment and insurance to ensure that you will be 'covered' regardless of your situation.
  • Asked by Anonymous

    Zann Chua
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    Top Contributor (Mar)

    Level 6. Master
    Answered 18h ago
    Hello! One advantage of investing in a luxury watch would be that it can be a way for you to diversify your portfolio. Having a diversified portfolio is important when it comes to investing. Besides diversifying in terms of bonds and stocks etc, watches can be another form of diversification method. Another advantage would be that you will be able to personally own it! If you are someone that likes to see the physical thing that you are investing in, then luxury watches would allow you to do just that.
  • Asked by Anonymous

    Zann Chua
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    Top Contributor (Mar)

    Level 6. Master
    Answered 1d ago
    Hello! One of the more famous and well-known etfs outside of Singapore would be the S&P 500 index. The S&P 500 index is a market-capitalization-weighted index of the 500 largest U.S. publicly traded companies.
  • Asked by Anonymous

    Zann Chua
    Zann Chua
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    Top Contributor (Mar)

    Level 6. Master
    Answered 1d ago
    Hello! Here are some advantages of commodity investing! 1) Diversification Investing in commodities will provide returns that are different from stocks and bonds. 2)Potential returns The prices of commodities can fluctuate due to reasons such as supply and demand, exchange rates and the health of the economy. Generally, a rise in commodity prices would have a positive impact on the stocks of companies in related industries. 3) Potential hedge against inflation Inflation would mean that the prices for commodities are higher. This would mean that commodities would likely be able to hedge against inflation
  • Asked by Kavita Tamang

    Zann Chua
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    Top Contributor (Mar)

    Level 6. Master
    Answered 2d ago
    Hello! I agree that the internet has too much information and it gets rather overwhelming. I think that you should read the seedly blogs if you havent as it provides a comprehensive guide on investments for beginners! If you are looking for some basic monthly investment, I that you can try looking at Regualr Savings Plan (RSP) or Robo advisors. RSP allows you to invest with just a minimum amount of $100. What the RSP does is that it would help you to invest in the STI ETFs. STI ETFs consists of 30 STI stocks represent five different sectors and 19 different industries, chosen to best depict Singapore’s diverse economy. This would alson enable you to develop a rather diversified portfolio. By investing a monthly sum, you are essentially engaging in dollar cost averaging, whereby you will be purchasinh these stocks at an average price in the long run. Another area that you can try our would be robo-advisors. Robo advisors also does monthly investments with no minimum sum for certain companies. This roboadvd, advice is generated according to algorithms which have been devised based on the company’s own knowledge of markets and investing.
  • Asked by Anonymous

    Zann Chua
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    Top Contributor (Mar)

    Level 6. Master
    Answered 2d ago
    Hello! Some advatages of investing in REITs include: 1) It allows you to own commercial real estate without facing the problems that most people owning real properties would have to face. You would not need to go through the trouble of finding people to rent your space, engaging in facilities management. All you will need to do is to collect your dividends. 2) Returns are in the form of dividends An advantage of this would be that you will be able to get money on a regular basis and could possible be another form of income. you will also be able to decide whether you will want to reinvest the dividends paid. If they choose to do so, they will just need to purchase more shares. 3) Returns through appreciation REITs have been performing well historically due to the steady long-term apprecaition of commercial real estate. Any short term fluctuations in inlfation and interest rates are unlikely to affect REITs to a large extent.
  • Asked by Anonymous

    Zann Chua
    Zann Chua
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    Top Contributor (Mar)

    Level 6. Master
    Answered 2d ago
    Hello! It is likely that with $3000 you will only be able to purchase stocks from one company. Starting out with only investing in one company is perfectly alright since we will all need to start from somewhere. However, once you are able to gain more capital and can invest in a larger amount, it is important to start diversifying and not only stick to one stock from the same company. However, if you want to be able to diversify from the start, some alternative to stocks would be ETFs and roboadvisors. Roboadvisors essential invest in ETFs as well. This is because when you are investing in ETFs, there will tend to be a large number of stocks and other investments within the fund. Thus, this will make it more diversified than a single stock. Roboadvisors will help you to invest in a range of stocks just like the ETFs, thus engaging a roboadvisor would also help to diversify your portfolio. Hope this helps!
  • Asked by Anonymous

    Zann Chua
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    Top Contributor (Mar)

    Level 6. Master
    Answered 6d ago
    Hello! I think that there are 2 reasons as to why he recommended such an investment. It is not very expensive and they are not tied to the success of one single entity If you were to buy single stocks, it is likely to cost much more to manage, which means that advisors may take a large amount of your earnings. Investing in mutual funds would allow you to not pay as much for fees as compared to hiring an advisor. According to Buffet, “The trick is to essentially buy all the big companies through the S&P 500 and to do it consistently.” I think that another reason for Buffet satying this would be that mutual funds, in this case index funds takes a passive approach that would likely eliminate almost all trading activities, making it rather safe.
  • Asked by Anonymous

    Zann Chua
    Zann Chua
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    Top Contributor (Mar)

    Level 6. Master
    Answered 6d ago
    Hello! I personally do not think that it is advisable for newbies with no ecperience to try P2P lending. P2P lending carries very high risks, so if you do not have experience, it is likely that you may end up making large mistakes when it comes to choosing the company to loan your money to. This will result in a high chance of you losing very large amounts of money. I personally think that people with lesser or no experience who want to try investing should invest in areas that are of lower risks, such as investing in the Singapore Savings Bonds.
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