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

Monday, 8 June 2020

If You Invested Right After DBS's IPO


DBS (D05.SI) is the largest bank by assets in Singapore and the Asia-Pacific.
Formerly known as The Development Bank of Singapore Limited, it was set up by the Singapore Government in 1968 to finance Singapore's industrial activities.
It went public in that same year (1968) for an IPO price of SGD 1.00 per share*.

On 31 December 2019, it had a market capitalisation of USD 49.27 billion.

If You Invested in DBS at its IPO

An investment of $1,000 would have gotten you 1,000 DBS shares.
On 31 December 2019, your shares would be worth $25,880 (excluding dividends).
Over 52 years, the shares grew at a compounding rate of 6.5% per year
The returns would be even better if we factor in dividends.

Recommended Read: CPF Account Effective Interest Rates

If You Invested in DBS on 2 Jan 2000

However, we weren't able to find any historical price data about DBS after it IPO-ed.
We were only able to find data on DBS from the year 2000 onwards.
So we will do another comparison again from the year 2000 as the starting date.

If you invested $1,000 in DBS on 2 Jan 2000, you would have received 40 shares of DBS stock (based on the closing price of $25.00 per share).

On 31 December 2019, your shares would be worth $1,035.20 (based on the closing price of $25.88 per share) and you would have collected $481.60 in dividends over the 20 years.

That's an annualised total return of 2.5% per year.

Not that great especially when we compared it against the Dollar Cost Average (DCA) returns we will get from investing in DBS.

Want to know how much returns you would get if you invested in DBS's via DCA over a 20-year period?
Check it out here: Save in CPF or Invest in DBS?

*DBS IPO Price

We inferred DBS IPO price from the following excerpt found on DBS's 50th-anniversary document.


Recommended Read: Breaking Down "2 in 3 working Singaporeans do not have savings to last them beyond 6 months"

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