ComfortDelgro (CDG) is a Singapore private transport company with a wide geographical foot print. It provides a long term average earnings yield of 6.22%. Currently, its historical dividend yield is 5%. CDG has been in the news due to increased competition from disruptive ride sharing companies such as Uber and Grab. These companies have large […]
Category: Investment Moats
You do not need to budget or track your expenses. Instead, take 1 hour at the start of the month to compute your net worth. Then plot them out. It lets others and yourself know your money journey. If you have a money problem, then we turn to review your expenses. This is much easier to do.
The Singapore Savings Bonds is released by the Government. It is a package of 10 different duration Government Bonds that are AAA rated in the World (this is rare btw). You can redeem the bonds when you need it at the price you paid at. The bond gives different yields depending on how long you hold it. From 1%/yr for 1 year to 2%/yr for 10 years/
The basis of insurance is for protection first and foremost. When we purchase insurance, we sought to address a particular health risk that would create monetary challenges for ourselves or our loved ones. Some of the most common ones are: The risk that if you passed away, your loved ones will have a difficult time […]
Ng Kok Hoe, an assistant professor from the LKY School of Public policy have a good article out in Today discussing that home ownership and retirement should be re-looked. Kok Hoe explains that there should be more clarity of the role and direction of both home ownership and retirement in light that more voices have […]
The latest Unit Trust Platforms such as FSMOne with Fundsupermart and Managed ETF Platforms/ Roboadvisors such as StashAway, AutoWealth and Smartly are charging based on Platform Asset Under Management (AUM) fees. Compared to the traditional sales charges are they similar or are they more expensive by charging this way?
I am still having some mental aches from not blogging for some time, after settling some personal matters. The more you been away from blogging the more you realize writing is a muscle. It is just like prospecting financial assets in that, if you stop, you get rusty due to the lack of practice. This […]
I written about office real estate investment trust (REIT) Frasers Commercial Trust (FCOT) in the past and invested in it. It is a good REIT with a management with good current track record. The uncertainty surrounding it is that HP in the past commission Mapletree Industrial Trust to do a built to suit building before […]
How do you measure whether your relative or your colleague is wealthy? Do you based it on the flashy things that they have on them? What is a more fundamentally sound way to find out whether we have progressed well from debt dependent to financially secure, financially independent? The stages of wealth provide a good measure to see how far we have come.
When it comes to a discussion of real estate investment trusts (REITs), I do get comments on both sides of the spectrum. The beginners to wealth building can easily relate to the benefits and the pitfalls of using them as an investment (you can read about these in depth in my FREE REITs Training Center). […]