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Stocks Discussion

*Disclosure*: The threads on this post are just opinions on investments, so please do your own due diligence before investing

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Stocks Discussion

Investments

Kelvin Chin
Kelvin Chin
Level 4. Prodigy
Answered 16m ago
Actually I quite like the simple interface of view of 10Y or All.

Stocks Discussion

Investments

Hello! The answer to your question will depend on what your investment timeframe is. If it's anything less than 3-5 years, my answer won't be useful for you. But if you're looking to invest in companies for multi-year periods, I'm happy to share my investment framework. The framework's foundation is first built on what exactly is the stock market, and it is a place to buy and sell pieces of a business. Having this basic but important understanding of the stock market leads to the next observation, that a stock’s price movement over the long run then depends on the performance of the underlying business. In this way, the stock market becomes something easy to grasp: A stock’s price will do well over time if the underlying business does well too. The next logical question then follows: Is there a way to find companies with businesses that could do well in the years ahead? I think there is. I've been investing for 9 years, and I tend to look for companies with the following characterisitics: 1) Revenues that are small in relation to a large and/or growing market, or revenues that are large in a fast-growing market. 2) A strong balance sheet with minimal or a reasonable amount of debt. 3) A management team with integrity, capability, and an innovative mindset. 4) Revenue streams that are recurring in nature, either through contracts or customor-behaviour. 5) A proven ability to grow. 6) A high likelihood of generating a strong and growing stream of free cash flow in the future. I'll keep the discussion brief in this forum answer, but you can head here for a deeper look at the six criteria. Hope this is helpful! Happy to continue the conversation here!

Stocks Discussion

Alvin Teo
Alvin Teo
Top Contributor

Top Contributor (Oct)

Level 6. Master
Answered 11h ago
Taking profit yes but you have to check on your portfolio weightage. Maybe switch the investments to something else like consumer staples or fast food. Yum (owns kfc/taco bell/Pizza Hut) did quite ok during crises because people eats fast food more instead of restaurants to save up. Waiting for corrections is one of the worse kind of timing the markets. You never know when is it rock bottom, when is it’s climb back up or if it’s a dead cat bounce. Portfolio management is still key here. Adjust the % in it and see where that leads to. If you are still worried about the market conditions, you should bulk up on emergency funds and wonder if any adverse market conditions will affect your day job. The views on crises coming is typically noise and sensationalism rather than journalism. No one wants to read an article titled: “we have no idea when market will crash.”

Stocks Discussion

Investments

Royalchem
Royalchem
Level 5. Genius
Answered 4h ago
No right or wrong here. Time in market is better than timing the market. You already said that “expected to be slower”, what if it did not slow and bullish instead. FOMO will step in and that is when the crush will come. Be cautious and come out with a tactics. That way bull or bear also make money.

Investments

Stocks Discussion

Stocks

PB ratio is short for price to book ratio - PB ratio looks at the current market price compared to book value (what assets were originally purchased at); so for example if bought a house 10 years ago at 300k and now is worth 600k then the price-to-book is 2 (=600k/300k) distribution yield is the last year distributions (payments from holding a stock/fund) dividend by price - eg if a stock gave a dividend of 40 cents over last year and currently can be bought for 10 dollars then the yield is 4% (= 0.40 / 10)

Savings

Investments

Stocks Discussion

Heah Min An
Heah Min An
Level 3. Wonderkid
Answered 2w ago
My 2 cents: I assume that you have insurance protection. After which, invest 15 minutes daily to learn about the various investment tools. Pick 1 of it & learn more, be it free lessons or paid lessons. I invest in #reits via the concept of #valueinvesting. I learnt it via free and paid lessons.

Stocks Discussion

Investments

Savings

Hi anon, It's not recommend to RSP stocks if you are looking at $200-$500 monthly, as the transaction costs as a % of your invested capital is quite high. I would typically aim to keep transactional costs at 0.5% or lesser of the transaction value. Your other option would be to do RSP on UTs, which can have zero transactional costs. You would be better off saving up your funds first while understanding your options and deciding what to put your money into. I'm guessing you have the relevant insurance coverage in place, along with a rainy day fund; if not, make that your priority before you start to invest. Feel free to reply to this post if you have any questions.

Stocks Discussion

Starhub

Alvin Teo
Alvin Teo
Top Contributor

Top Contributor (Oct)

Level 6. Master
Answered 1d ago
The fact that you have to mention sustainability over dividend payouts means it’s not sustainable. 5G is not a proprietary tech for starhub only. It’s first mover’s advantage will be as short as it’s bull run once the other telco starts their own 5G network. For the longest time, starhub has had a cable tv. That did nothing for its share price and look at the state of it now.. Sometimes no need see numbers also can determine the company good to invest or not. This is unlike creative. While not inventing, it was suing people for money so that’s good money coupled with proper business management.

Stocks Discussion

Investments

Trading

Personal Finance 101 (LLI)

Finance Savvy

Gabriel Tham
Gabriel Tham, Tag Team Member at Kenichi Tag Team
Level 9. God of Wisdom
Answered 4d ago
Andrew Hallam's Millionaire Teacher Rich By Retirement by Joshua Giersch Good start for beginners.

Investments

Stocks Discussion

Multi Currency Cards

Bank Account

There are a number of platforms, multi-currency cards etc out there that enables investors to convert currency from one to the other but there is no investing offering after that which will lead to a number of transactions. Through Kristal.AI we enable our investors to convert currency (SGD into USD) at a nominal charge of 5 bps i.e. .05% after which you will be able to invest into the various Kristals (trading strategies) on the platform. In addition up to an amount of 50k USD, no fees are charged (no advisory fees, no transaction fees!
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