Author: Investment Moats

Your Compounded Growth Rate Earned Will Only be Known At the End

I went to lunch with my colleague Bryan on Friday, and we had this discussion on investment outcome. Bryan did some reflecting and realize how little assurance we can get about our investment returns: You will only know your compounded rate of return earned when you are near the end of your time horizon, looking […]

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A Strategy to Avoid The Pain of Losses? Don’t Be Naive

When Eagle Hospitality Trust’s (EHT) share price fell recently, I thought it is a rather good exercise to take a look at how 5 investors will experience the downside. EHT is a real estate investment trust (REIT) who master leased their assets to their sponsors. At various price points, it provides the investor with a […]

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Thoughts on the HENRYs, Forgetting FIRE and the Appeal of Annuities

I still have some work to do over the weekends so its no stock analysis, less reading, all work. Meantime, I came across some stuff that you might find interesting. Something on FIRE, something on media coverage, a little on the HENRYs and my thoughts on annuities. My Thoughts on Annuities In my last Sunday […]

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When Europe, Singapore, and Value Smashed the United States and Growth

The last time all these value factors didn’t work so well, for such a long time is in the 1920s. That is a long time. Our brains would probably reason that there are similarities today to the time back then. When there are periods of extreme financial upheavals, the value factor does not seem to […]

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Singapore Savings Bonds SSB December 2019 Issue Yields 1.71% for 10 Year and 1.56% for 1 Year

Here is a higher yielding, safe way to save your money that you have no idea when you will need to use it, or your emergency fund. The December 2019’s SSB bonds yield an interest rate of 1.71%/yr for the next 10 years. You can apply through ATM or Internet Banking via the three banks […]

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Some Thoughts on CPF Rants, Bond Tents and New Financial Adviser Money Management

After a tiring day, I don’t really feel like putting out an article that was supposed to be meant for this Sunday. However, there are some comments to be made. How Should A Financial Adviser Manage His Own Money? My friend Jason here heeded my call to have more self-employed folks show us how they […]

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How to Generate Regular Income from No-Income Funds

On some occasions, I feel the need to write some articles over at Providend. If they benefit Investment Moat’s readers, management is OK for me to share them over here. We observe certain misconceptions that are rather pervasive when it comes to funds our clients held, what we recommend to them, and what they are […]

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Why Living Off Dividend Income in Retirement is Not Perfect

When I first went down this financial independence rabbit hole, the dividend model looks pretty sound. Spend only the income that is paid by your portfolio of dividend stocks Your capital is untouched Since I am invested in a 100% stock portfolio, if I manage the portfolio well, stocks should give a high probability of […]

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