Category: Investment Moats

Annual Expense Report 2017 – $21,723

Expenses report from bloggers are hardly exciting. I have been compiling this since 2014, so this year will be the 4th consecutive year that I been doing this. They say you should get your income up rather than prioritize optimizing your expenses. There is only so much you can optimize. Getting your income up, now […]

Your Insurance Policy’s Participating Fund Returns Compared

We went through some policies such as Aviva’s MyRetirement Choice and OCBC PremierLife Generation showing the projected returns the policy holder could potentially get. Through the article, the biggest determinant of the policy performance is in the investment return of the participating fund. So how is the reality versus projection. We take a look at […]

Some Corrections to ComfortDelgro’s Valuation Done Previously

Back when ComfortDelgro’s share price was around $2.04, I wrote a comprehensive analysis about it. In the article, I went through a few rounds of discounted cash flow to see at current earnings, cash flow scenario, what is the estimated intrinsic value given the growth rate and the discount rate. I also did  a reverse […]

Aviva MyRetirement Choice Review for a Dear Friend

The Aviva MyRetirement Choice is an insurance savings endowment that allows you to accumulate your wealth, than distributes your wealth in retirement. I help my friend compute the projected performance if you consider only the guaranteed monthly income, and the performance if we include the non guaranteed income.