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Comparison

Investments

Hi, When you link your CDP to your trading account, the stocks you buy through your brokerage are sent to your CDP to be held under your name. As for linking it to your savings account, I think you mean the Direct Crediting Service(DCS), which is used to payout dividends earned, so when you link your savings account to CDP, dividends you receive are payed out to you savings account through DCS. So there isn’t really any comparison as they are used for different purposes. Hope this helps.

Comparison

Stocks

Investments

Terence Tan
Terence Tan, Finance at Singapore Management University
Level 3. Wonderkid
Answered on 06 Mar 2019
I assume Comparable Company Analysis means just comparing companies using financial figures. If that is the case, I normally look at Gross Margin and Net Margin. The differences could be due to strategy. If they have sort of similar strategy, then the higher one probably has better competitive edge. Furthermore, I will look a bit into their balance sheet to see if it is similar. Let's say if we look at developers, we will be expecting the use of leverage. If a company is not even using leverage, or much lower than others, it can be an interesting look into their strategy.

Comparison

Investments

Jonathan Chia Guangrong
Jonathan Chia Guangrong, Fund Manager at JCG Fund
Level 6. Master
Answered on 25 Jan 2019
I believe bid offer spread is tighter for SPY, not to mention the trading volume is higher as well. For S27, minimum lot size is 10 shares, whereas you can opt to buy only 1 share of SPY. You can also trade options on SPY which can yield much better returns compared to buying and holding the ETF.

Comparison

Travel

HC Tang
HC Tang
Level 8. Wizard
Answered on 19 Jun 2018
(A) Cheapest : I think when use public bus / mrt , it is the cheapest options. If one can use citymapper app to find a single bus route and it's not cramp, you get to go home in comfort , seated with aircond and spend some time reading / leaning or relax. (B) 2nd cheapest : If your destination is near or not too far and able to travel via safe and less crowded route , use PMD. Charge at home and use only. Easily you can bring it around too. Personally, I think working so hard , trying to learn how to save , invest here. It is not worth to spend so much of monthly salary into paying garmen COE ERP for own cars. It's the same as owing high interest or large sum loan to the bank, kinda like working for them. PHV is another , daily commute is way too expensive. Consider the first 2 options since we have the best bus / transport infra to a certain extend. The $ save invest into good instruments and compounded interest will get you retire more comfortablt or even FIRE earlier. Enjoy 😄

Comparison

Early Critical Illness (ECI)

Insurance

Yang Yang David
Yang Yang David
Level 2. Rookie
Answered on 16 Jan 2019
CCA premium is comparable to Supreme Early multiplier although it is a term plan. (I think GE should revise this rate) One thing to note regarding CCA is that it provides very little death benefit. My recommendation is SEM. Two highlights of Supreme Early Multiplier: full premium waiver upon diagosis any stage of CI and double payout for accidental TPD. SEM is poistioned as protection plan. Please ignore the surrender value. (This applies to all the multiplier whole life plan in the market.) 4 times multiplier to 65 years old is an optimized combination which provides the most value of money. of course you may go for 70 yrs if premium differs not that much of your age. Hopefully it may help.

Comparison

Savings

Investments

Jonathan Chia Guangrong
Jonathan Chia Guangrong, Fund Manager at JCG Fund
Level 6. Master
Answered on 08 Oct 2018
Both offer the essentially the same service - being able to buy into a counter on a monthly interval with a minimum of S$100 per counter per month. How they differ is ease of use and variety of counters available. POSB will be fairly easy to start, can be done via any POSB or DBS atm. Only thing is the range of counters you can buy into - a grand total of 2. Maybank KE will take some effort to set up, but it has the widest range among all the brokers/banks here that offer RSP into stock counters directly. Dividend payout wise, it will depend on the counter selected. But if you are buying into the same counter, there won't be any difference in the dividend payout as it's declared by the underlying counter. Hope this helps.

Comparison

Investments

Lok Yang Teng
Lok Yang Teng
Level 6. Master
Answered on 27 Oct 2018
preference share a share which entitles the holder to a fixed dividend, whose payment takes priority over that of ordinary share dividends. Let's say the company is not earning as much, they'll give the promised dividends to those with preference shares and reduced dividend for those with ordinary shares.

Comparison

Investments

When index investing, you'll need to look at the index that you're planning to track. How efficient it is, the weightage of companies in it, how diversified are the businesses. Not all indices are made the same, no two countries indices are also built the same way. When you purchase an actively managed fund, you choose what you want to invest in. The merket cap of the companies, the industry you want to invest in, the philosophy and fund mandate of the investment manager. It's up to you. Every fund is different and this is not a clear cut answer, you'll need to do some investment planning and choose the portfolio you're planning to create and hold.

Comparison

Investments

Insurance

Luke Ho
Luke Ho, Money Maverick at Money Maverick
Level 6. Master
Answered on 25 Oct 2018
If you want a beginner level analysis - an ILP is just the wrapper held by an insurance company for unit trusts. ILP wrappers vary in all sorts of manners, but the most commonly observed one is where the majority of premiums will be allocated towards insurance in the first few years before being used for investments. Most updated ILPs today have much better structures than in the past, where they give you far more additional units instead of front loading the costs. Some of the explanation already done by Kenneth is accurate, such as the examples, fees and intentions. A unit trust as an investment is thus considered expensive and can only be considered under two conditions: 1) Beating the market, like Kenneth said 2) A better return-risk ratio, where volatility is much lower against its benchmark. Par funds would be an example of this, where you trade lower returns for a much more definitive chance of selling high. The second condition continues to be a lot more prominent in todays mutual funds due to the increasing efficiency and globalization of the markets today. Of course, there are specific sectoral funds and inefficient market funds that easily smash market indices, but they require a long time horizon to wear out the volatility. As a Financial Advisor I've reserved funds that have records of beating famous benchmarks like the STI, SNP500 and recently the QQQ index. Additionally, I've done math on my end to show how some ILPs easily beat a pure vanilla Unit trust return over time (as well as standard ETFs such as the STI ETF, SNP500). If you're interested in investing in UTs after this, you can always contact me here. https://www.facebook.com/luke.ho.54

Comparison

General

Siti Putri
Siti Putri
Level 5. Genius
Answered on 23 Oct 2018
IPO is initial public offering, which is highly regulated with lots of criteria and auditing needed to fulfill in order to be listed in catalist or mainboard of SGX. In general this would be companies which are already established with some track performance record and capital funds. ICO is initial coin offering, mainly because they created token cryptocurrency for you to buy some of their coins as if you are a part shareholder. This is not regulated at all, and to be honest the token might be useless since only usable for their project/business and no where else, provided it did not fail. Oftentimes need minimum $ amounts too like $5k. Once have the target amounts raised, they may release their token to be sold into public using an exchange. In addition the $ they get from you in exchange for their token will be used for their project/business financing. There are some Altcoins that could be buy/sell traded in some crypto exchange but only the less established ones will accept new Altcoins. The more established exchanges like Binance won't bother accepting. There are few thousands of cryptocurrency, so it is hard to determine and evaluate the value. In reality ICO is just a promise because these people have no prior track record of performance unlike in IPO. They could also wrap up and MIA after getting your money since hard to track. You sound like a newbie, so my advice is stay away from both including IPO. IPO is volatile too. My advice is only invest in a share after 3-5 years track record unless I have spare cash to burn. Alternatively depends on my portfolio asset allocation if I want to be more risky and my time frame.
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