Category: Investment Moats

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.

What Coasting Financial Independence or Barista FI is All About

In some of my earlier articles, I have introduced the concept of financial independence, financial security and retirement. You can read about them here: The 11 stages of wealth we go through as we work up the wealth ladder. You should be somewhere in there Here is how you calculate how much you need to […]

Singapore Savings Bonds SSB Jan 2018 Issue Yields 2.13%!

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 Jan 2018’s SSB bonds yield an interest rate of 2.13%/yr for the next 10 years. You can apply through ATM or Internet Banking via the three banks […]