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Investments

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Investments

Because beating the market and generating alpha is not easy. Most average investors would do better with a well diversified index ETF portfolio. People may not have time to do deep analysis, pick great stocks to generate that alpha.

Investments

You can check out a review by financesmiths blogger here: http://financesmiths.com/index.php/2019/12/10/our-problems-with-the-dbs-digiportfolio Seems like alot of teething problems especially if you want to do RSP topups. Disclaimer: I did not write it.

Investments

Savings

Lifestyle

In the bank? Not sure exactly what you're asking, friend. For sure I wouldn't save 40k under my pillow la. Is your question about which is the highest interest savings account? If you don't have any salary crediting and want a fuss-free account, go for CIMB FastSaver. 1% interest.

Investments

Savings

Retirement

Stocks Discussion

Sudhan
Sudhan
Level 5. Genius
Answered 2w ago
HI anon, I would definitely say it's worth investing as early as possible for the long-term to let compounding do its wonders. Granted, when you start off, the dividend you receive might just be a trickle. But as you gain experience and knowledge, and earn more, and invest in more dividend stocks, your dividend would grow over time. The benefit of compounding our money early over the long-term is shown in one of the Dow Theory Letters, entitled Rich Man, Poor Man. Say there are two people, Ah Tan and Ah Lee. Ah Tan starts investing at the age of 19. He invests $2,000 every year from age 19 until 25 and stops thereafter. That means he has put $14,000 into the stock market. On the other hand, Ah Lee starts investing only at the age of 26. From age 26 until 65, he invests $2,000 annually in stocks. By the time he turns 65, he has contributed $80,000 to his portfolio. Assuming both investors can generate 10% yearly on their portfolios, whose portfolio would be larger at age 65? Most would think that Ah Lee would have a bigger portfolio. Yes, Ah Lee indeed has a larger portfolio at $973,704 while Ah Tan’s portfolio would be worth $944,641. However, here’s the fun part. Ah Tan wins overall as he has higher profit of $930,641 versus Ah Lee’s $893,704. Remember that Ah Tan had only put in $14,000 over seven years, while Ah Lee contributed $80,000 over 40 years. For more on the benefits of investing early, you can check out Seedly's article at https://blog.seedly.sg/start-investing-early.

STI ETF

Investments

Stocks Discussion

Choon Yuan Chan
Choon Yuan Chan
Level 8. Wizard
Answered 1h ago
Because many listed stocks in Singapore has corporate governance issues resulting in them having fake reported cash reserves or fake factories. This resulted in investors losing 99% or their entire stake in the listed company This issue has been persistent and especially prevalent which has happened not just in s-chips but even our own local companies To make matters worse, many local companies had poor risk control and aggressive accounting. This resulted in many of them undergoing restructuring which has wiped off many investors

Stocks Discussion

Investments

SG Budget Babe

Family

Bjorn Ng
Bjorn Ng
Level 8. Wizard
Answered 6d ago
Everyone has different priorities in different stage in life, and that's totally understandable. For me, as simple as it might sound, we always have a choice in what we want to do. It's all about "allocating" the priorities. To answer your question, I choose to read updates from my investing community rather than general market news (for eg). It's about choosing which "makes more sense" to you. It's never easy, and sacrifices have to be made sometimes, but at the end of the day, we all made the best choice we see fit at any point in time :)

Investments

Stocks Discussion

Andy Yew
Andy Yew
Level 5. Genius
Updated on 07 Jun 2019
From what I gather from the retail investors, most people think REITs is too high, so they go for the Low lying business trust thinking they will eventually go up like the REITs. However the high go higher, Low ones continue to fall lower

Investments

AMA SG Young Investment

Jonathan Chia Guangrong
Jonathan Chia Guangrong, Fund Manager at JCG Fund
Level 8. Wizard
Answered on 30 Jan 2019
I run my income floor portfolio with a list of reits on sgx, with dca done on a reit counter on a monthly basis. This allows me to get returns of about 5-6+% onwards on my holdings. I focus my income ceiling portfolio in the US market using options. This allows to achieve returns of 60% pa with managed risk.

Stocks Discussion

Investments

Bibiana
Bibiana
Level 7. Grand Master
Answered 10h ago
I will find out what are some industry conferences that I can attend, build connections and have lunch with the industry insiders to understand it better!

Investments

Stocks Discussion

Bibiana
Bibiana
Level 7. Grand Master
Answered 10h ago
Do you see better growth opportunities in other companies? congrats on the 30% gain! :D
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