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Dividends

I can’t find any money market funds in Singapore. What are some of the examples and where do I buy them?
Kevin
Kevin
Level 3. Wonderkid
Answered 5h ago
POEMs by PhillipCapital has a Excess Fund Facility - SMART Park that you can consider. Take a look; https://www.poems.com.sg/products/money-market-fund/ .
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Investments

Dividends

DBS Vickers Securities

Stocks Discussion

Online Brokerages

Is $5k enough to start dividend investing?
5K is a good amount per transaction or per stock. Even if you want to DCA, invest every quarterly for example when you have 5k that you are willing and able to put aside. Do note that your dividend portfolio does not comprise of only 1 stock. You will need to diversify them over the years
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Dividends

Investments

Stocks Discussion

Online Brokerages

If I buy more units after the ex date, will I earn dividends off those new units?
Tan Wei Ming
Tan Wei Ming, Writer at Frugal Youth Invests
Level 7. Grand Master
Answered 3d ago
When the stock XD, the price should be (no of cents) of dividends less than the previous trading price. This is because you are not entitled to the dividends. It actually goes both way, when the stock XD, the price drop can be less or even increase. From my own experience with DBS, I think there's no difference in buying before or after it XD.
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ETF

S&P 500 Index

Investments

Dividends

Online Brokerages

Regular Shares Savings Plans (RSS/RSP)

FSMOne Fundsupermart

I am considering to RSP 100 USD for VOO through FSMOne. However, I saw the min USD2.50 dividend handling fee. What will happen if my dividends are less than the dividend handling fee?
Tan Wei Ming
Tan Wei Ming, Writer at Frugal Youth Invests
Level 7. Grand Master
Answered 3w ago
If your dividend after tax is less than $2.50, u will not receive anything. You do not have to pay any money to them.
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Value Investing

ETF

Dividends

Regular Shares Savings Plans (RSS/RSP)

FSMOne Fundsupermart

How is FSMOne able to do RSP min. amount of $50 for VOO ETF? Do they do something similar to purchasing fractional shares on our behalf?
SW
Shaun WQ Lim
Level 7. Grand Master
Answered on 09 Jun 2020
Yes, they allow fractional shares for their ETF RSP. Mentioned in this article: https://secure.fundsupermart.com/fsm/article/view/15709/etf-rsp-with-fsmone-the-investment-world-has-gotten-that-much-easier-to-invest-into
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Dividends

PhillipCapital (POEMS)

Stocks Discussion

Online Brokerages

FSMOne Fundsupermart

Regarding FSM and POEMS dividend charges, does that only apply to US stocks or inclusive of Singapore Stocks as well?
Frankie Rappaport
Frankie Rappaport
Top Contributor

Top Contributor (Jun)

Level 9. God of Wisdom
Answered on 31 May 2020
With POEMS for all dividends Cash Dividend is 1% on net dividend subject to min SGD1.07 capped at SGD53.50 + Foreign fees and taxes (if applicable). Waived with Cash Plus Privilege account.
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Dividends

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FSMOne Fundsupermart

Hi! FSMOne charges a dividend handling fee of 2.50 USD minimum. So what if your dividends for that year are less than thay amount? Does that mean they deduct 2.50 from your cash account anyways?
Frankie Rappaport
Frankie Rappaport
Top Contributor

Top Contributor (Jun)

Level 9. God of Wisdom
Answered on 27 Apr 2020
Yes, it seems so, whenever there is a dividend payment. the relevance depends on your dividend lump sum: with 2.50 SGD dividend you loose 100%, with 2500 SGD dividend payment (with f.ex. 125000 SGD equity value) it is only 0.1%.
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Syfe

Investments

STI ETF

Dividends

Robo-Advisors

Online Brokerages

Should I invest In syfe reit+ 100% or SPDR STI ETF if im looking for dividends?
Tan Wei Ming
Tan Wei Ming, Writer at Frugal Youth Invests
Level 7. Grand Master
Answered 2w ago
Aside from the expense ratio of the STI ETF, you have to take into account of other expenses such as commission from purchasing STI ETF thru RSP. I think taking into account of this, Syfe will be a better choice for dividends.
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Investments

Dividends

REITs

Blue Chips

Stocks Discussion

Online Brokerages

Why is dividend investing only suitable for large capital? If you reinvest the dividend, would it not essentially serve the same role as growth stocks?
Hey there! Yes and no, if you reinvest your dividends, technically you would compound your growth because you get more dividends over time too. But let's take a step back and understand why people even classify stocks as dividend and growth in the first place (a lot of different ways to categorize them so please do research here! because the lines can be arbitrary and super blur sometimes!). Generally, dividend stocks are companies that have proven to be able to consistently pay out consistent dividends for a long periods of time and growth stocks are stocks that are expanding rapidly (more customers, rapidly rising revenues). The thing is, it is possible that a company CAN be both a dividend stock and yet still grow rapidly. And famed investor Warren Buffett likes company that can grow fast and has a strong moat, and can consistently pay dividends. (Best of both worlds!) But here's where the difference lies - Getting maximum Return on Investment. Say a 'dividend' stock gives 8% dividend (which is great!) but doesn't grow every year vs a company that grows at 8% a year (which isn't great in my opinion btw!). Which would you invest in? If you want are retired, it makes sense to get the dividend one because you can reinvest some, keep some. But if you reinvest, then there's several downsides like transaction costs especially if you've a SMALL Capital(e.g min $20 brokerage fee when your dividend is like $25), the delay in investing, because dividends are paid once per year and the additional manual labor of having to reinvest it (imagine you have 30 dividend companies paying dividends at different times!). This will likely eat up quite a bit of your gains and this is probably why you hear people saying dividend investing is only suitable for large capital. Growth stock on the other hand doesn't give cash, and it is wayyy harder to estimate growth rate and often times, growth stocks are priced at a high price to account for it's 'potential' growth speed, but it can grow quickly! Put money and you'll just need to monitor the company's performance (Less admin, low value work). But if you need money, it can be hard to liquidable especially if you own a small number of shares! Again, high cost of selling shares, e.g a $20 DBS lot (100 shares)+ $20 transaction fee means you get a 2% transaction fee for taking money out! Now back to you, what would you invest in? It's actually possible to have both btw! If you found this helpful, please show some love over at my channel cause it GREATLY affects my dividend income!
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Investments

Robo-Advisors

Stocks Discussion

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ETF

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Retirement

What should a 52-yo conservative investor do with $250K cash?
Hi Anon, absolutely agree you should focus on stable income and if I may add, capital preservation. You shouldn't be taking too much risk on this money. Here's how I would split a conservative portfolio meant for the above. Global Equity - 20% High Quality Fixed Income - 20% Annuities - 40% Gold - 10% Cash/Cash alternative - 10% This will make sure a good portion to be fully guaranteed while a small portion able to provide some long term return to adjust the full portfolio for inflation, while the rest to give some immediate and some deffered lifetime income.
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