Singapore-based financial blog that aims to educate people on personal finance, investments, retirement and their Central Provident Fund (CPF) matters.

Saturday, 31 December 2016

Top World News in 2016

As we near the end of the year, it is the time we recap the major news that occurred during this period. It is probably not a very good year. We started with Zika and ended with President Barrack Obama leaving the White House (bad to worse). But of course, there are some moments in 2016 that are worth...

Wednesday, 28 December 2016

ShopBack: Save with Coupons, CashBack and more!

While I was googling for alternatives to reduce my expenses, I realised that apart from reducing takeout and preparing my own meals, there was an on-going trend of online retailers dealing in all kinds of products. They vary from groceries to mass e-retailer Amazon. With the introduction of these...

Monday, 19 December 2016

Singapore Stocks Market: Outlook

I was browsing through the different stock prices as usual. Given the recent spate of local M&As and delisting manoeuvres, it seems to me that the number of quality stocks have decreased in our local bourse. With well-known local companies such as OSIM, SMRT and Eu Yan Sang International delisting, is the local market valuation truly too low as compared to the global valuations? A simple Google...

Friday, 16 December 2016

Hu Li Yang's Half by Half Theory

Hu Li Yang's theory: 1) If an index's price drops by 50% from its peak, it has entered an "fair value" price point 2) If an index's price drops to around 25% from its peak, it has entered a "extremely undervalue" price point 3) When recovering from the bottom, the index will always face selling pressure...

Friday, 9 December 2016

Thursday, 8 December 2016

Wednesday, 7 December 2016

Major news last week, what it means for Singapore stocks: #ICYMI

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Last week, oil rallied to its highest level in the year at $54 a barrel. This was mainly due to the OPEC's agreement to cut its output by almost 1.2 million barrels. The oil price rally was also due to the expectation where the market did not expect an agreement to be reached, as well as the more-than-expected...

Thursday, 1 December 2016

The next big rally

As the Malaysian Ringgit drops to record lows, it may imply a lack of economic stability in the country. However, there seems to be an opportunity that lies within this cheap currency, and as all standard economics students would tell you that cheap currency valuation would tend to highlight cheaper...

Sunday, 20 November 2016

New Singapore REIT ETF!

SGX recently launched a new product: the REIT ETF (Real Estate Investment Trust Exchange-Traded Fund). If you think properties are good, diversification is good, the new REIT ETF is the product for you! What is an ETF? Click HERE to find out. What is a REIT? Click HERE to find out. Some details of...

Wednesday, 9 November 2016

Trump Presidency? Clinton Presidency?

In a few more hours, we will know exactly who has won the US Presidential Election! This election probably has got every one talking about how horrible both primary Presidential candidates are. Stock markets all arond the world are plunging (OUCH!) Politically From the structure of the US Congress,...

Sunday, 6 November 2016

Monday, 31 October 2016

Invest & Prosper 2017

Invest and Prosper 2017  by ShareInvestors Join us and listen from industry experts on their take about the investment environment for year 2017! The panel of speakers includes: Terence Tan - Chief Investment Strategist of Giants Learning Technologies Song Seng Wun -...

Saturday, 29 October 2016

What to Invest Going into 2017?

As we come near to the end of 2016, we should start questioning our investment strategy for next year. Some of the questions you should be thinking about are below: 1) What to invest in ahead of the US election on November 8? 2) How to position my portfolio for the US election and post-US election? 3)...

Thursday, 13 October 2016

Are you Over-Insured by $46,000?!

Yup, you read it correctly - You might be over-insured by $46,000! Most Singaporeans with CPF are automatically enrolled under the Dependents Protection Scheme (DPS). Visit your CPF account online to check if you are currently over-insured by $46,000! You can reduce your coverage if you are. Recommended...

Sunday, 9 October 2016

What is the Correct Retirement Mentality?

There has been a retirement debate going on on Straits Times' Forum Page. The thread was started by one of our writers. The first article can be found HERE. There were feedbacks from the general public. We have attached the articles regarding the different views HERE. We would like to post a reply...

Friday, 30 September 2016

Your summary to what's going on in Deutsche Bank: 5x Lehman Brothers crisis

If you haven't been aware of how the STI has been performing, it has dropped 1% before steadily climbing up in the late afternoon today. So what's going on that is causing all the fear and volatility? While fear of Deutsche Bank collapsing has been lingering for months, it seems that it has escalated higher where some hedge funds are starting to withdraw their accounts. This is essentially a bank...

Thursday, 29 September 2016

Straits Times Forum Retirement Articles Thread

There has been a retirement debate going on in the Straits Times' Forum Page. The thread was started by one of our writers. We have collated the list of articles/letters that we think you should read, learn and know about! Tell us what you think: Should Retirement is an Entitlement or is it a Privilege? Recommended...

Saturday, 17 September 2016

What we know about risk is all wrong

The chance that an investment's actual return will be different than expected. Risk includes the possibility of losing some or all of the original investment. Different versions of risk are usually measured by calculating the standard deviation of the historical returns or average returns of a specific investment. A high standard deviation indicates a high degree of risk. Read more: Risk Definition...

Tuesday, 23 August 2016

4 Things to Do at CPF Retirement Planning Roadshow

CPF is holding their 'CPF Retirement Planning Roadshow' this weekend (Sat & Sun) at Suntec West Atrium! There are interesting booths, this time, around at the event. Recommended Post: 6 Singapore Public Transport Tips 1) Virtual Reality Booth Find out your retirement personality at...

Friday, 19 August 2016

New Movie Streaming App in Town!

There is a new movie streaming app in town! Its name is Catchplay! Features: 1) It is a movie streaming service! (No, you do not get dramas or TV series) 2) There are 2 options - unlimited streaming or 1-time rental, more on it below. 3) Don't want to pay for movies? You can sign up with CatchPlay...

Wednesday, 10 August 2016

6 Singapore Public Transport Tips

We have some tips for people taking Singapore's public transport every day! These tips (or hacks) are what we know of and use, but I am sure it is not all available. Do share with us if you have more tips so that we can help one another travel more efficiently. 1) Keep your Travel Transfer within...