A portion of Singaporeans got a jolt these few weeks when National Development Minister Lawrence Wong said that not all the old HDB flats are eligible for Selective En bloc Redevelopment Scheme (Sers). Under SERS, the HDB acquires ageing blocks for redevelopment, compensates residents at market rates for their old flats and lets them buy new […]
Category: Investment Moats
I will be slowing down my posting.
Work and Family is getting very hectic. I will cut down on writing unless there are important updates or my brain flows much easily to write.
This is one question that I get a lot from people I interact with for the first time. This is especially good if it comes from a person just about to start work, or have started work for one or two years. However, when they ask this question, sometimes that is not the question that […]
Insurance companies says that you can achieve higher savings returns from endowment, that it is a long term savings strategy. Are they as what they touted to be? Insurance savings plans or Endowment plans are plans designed by insurance companies with an objective to provide and meet long term saving goals. The assured (in this […]
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 Apr 2017’s SSB bonds yield an interest rate of 2.32%/yr for the next 10 years. You can apply through ATM or Internet Banking via the three banks […]
You don’t need an Innovative Term Insurance on your Credit Card Debt (PPI). You need to clear your Credit Card Debt
We should be wary about some of the products sold by banks. This week, I got a call from UOB Customer Service. Being a customer of their bank, this was not surprising. I was expecting them to extend some personal loan or investment plan. This time it is a bit different. The lady explain this […]
Real estate investment trusts (REIT) is a class of stock investment that many believe are very much affected by global interest rate changes. For the past 35 years, the world have been in an environment where interest rate is getting lower and lower. There are periods where interest rate do rose, however the trend is […]
The Expected Return Model – How You can Refine Investment Decisions, Prospect Stocks Clearly, and Sleep Better at Night
Back when I was still figuring out all these investment stuff, I always have some questions that I couldn’t find in books or the people I listened to. Some of the questions that often bugs me was: Should I buy and hold investments for a long time? When some event happen, that affects my investments, […]
When we talked about the power of compounding, we usually talked about how your returns compound. On the other side of the coin, which is seldom talked about, is that cost compounds as well. There is a distinct difference between returns and cost in your different wealth building method: Costs are definitely incurred but how much […]
CPF Talk Review – No Unique Solutions, Rich Assets vs Good Assets, Opening a CPF SA for your baby, Paying off Home Loans Earlier and Niche Rule of Thumbs
CPF is many things to Singaporeans, and we should be concern about how we can make sense of the CPF, and manage the CPF more efficiently. We conducted our BIGS LIVE on 16 Mar 2017, centering on making sense of your CPF and we have a very healthy turned out. My friends Chris from Tree of […]