Category: Investment Moats

Singapore Savings Bonds SSB January 2020 Issue Yields 1.76% for 10 Year and 1.52% 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 January 2020’s SSB bonds yield an interest rate of 1.76%/yr for the next 10 years. You can apply through ATM or Internet Banking via the three banks […]

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My Experience with the FX Spreads on Standard Chartered LiveFX

Since they started, I have been using Standard Chartered Online Trading as one of my main trading platform for the past 8 years. Since then, a few other platforms have sprouted up, notably FSMOne and Interactive Brokers. They look to be competent platforms and would fit my needs, but we can observe high behavioral switching […]

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How to Send WhatsApp Messages Without Saving Contact

I don’t like WhatsApp. It is probably one of the most restrictive messaging application out there. Doesn’t have rich text and forever copying what others do but not doing enough. The problem is that it has become the de facto messaging platform here in this region. Everyone uses it. One of the problems I have […]

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Our 21-Year Seng Kang Flat’s Return Can Be 1.6% a year or 8% a year (depending on how you see it)

The growth rate of my parent’s HDB in Seng Kang is 2.27% a year. We had this place for 21 years. The growth rate of an HDB flat is not something we monitor on a frequent basis. There are enough financial figures that I have an eye on that I can monitor a figure less. […]

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How Do I Know If I Have Safely Won the Financial Game?

Dr William Bernstein gave the following advice when asked: “How much exposure should people have to stocks?” “A lot of people had won the game before the [2008] crisis happened: They had pretty much saved enough for retirement, and they were continuing to take the risk by investing in Equities. Afterward, many of them sold […]

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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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