Many investors understand what dividends are. However, not many realized that there is another type of invisible dividends that is called the share repurchase. Both shares repurchase and dividends have its advantages and disadvantages. What is share repurchase? When a company decides to purchase its own shares, it is called a share repurchase. Normally this is done by buying shares from the stock exchange and it is exactly how an ordinary investor would buy stocks from the stock exchange. Do … [Read More...]
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SingHealth breach: what does it mean to lose your data
By now everybody would have read in the news that 1.5 million SingHealth’s patients’ information were stolen. Singapore has a population of 5.79 million. So 26% of the population got their personal particulars stolen. Majority of the data stolen from the SingHealth breach were names, NRIC number, date of birth, address, gender and race. A smaller number consisting of 160,000 had their prescription records stolen. Victims included Prime Minister Lee, ESM Goh Chok Tong and other undisclosed … [Read More...]
Featured articles
Why this company’s stock price plunged despite large profit announcement?
Q: Wilfred, Company X5 announced on 8th March 2018 that its full year results for 2017 was US$163 million in earnings. This was significantly larger than that in 2016 of only $6.7 million. However, … [Read More...]
Conservative Account (for existing clients only)
This is an announcement for existing clients. The Conservative Account is an investment that aims to provide a return of 2-4% per annum (inclusive of dividends) with low volatility. The Account … Read more
Human capital and investing in employee stock benefits
Today I would like to introduce the concept of human capital and briefly touch on employee stock purchase program. What is human capital? Human capital is simply the ability to earn money by … [Read More...]
Investors always buy high and sell low regardless of asset classes
February 2018 started with a poor market performance. The S&P 500, Nikkei 225, STI and Shanghai Stock Exchange Composite index is down by -5.82%, -7.03%, -4.79% and -7.94% respectively in SG … [Read More...]
7 real reasons why most investors are not successful
Long time ago, the only way people can invest was by investing in stocks. However, not everybody had the expertise to pick stocks. Moreover, most people were busy working. So, they did not have time … [Read More...]
$300m company’s share price sliding down like a falling knife (not referring to Noble)
By now, everybody is aware that Noble’s share has been on a decline by a large magnitude. In fact, its share price is down by a whopping 98.43% compared to 5 years ago Like Noble, there is another … [Read More...]
Share price plunged despite good cash conversion cycle
is a technology company listed in Hong Kong. It is a highly efficient company in terms of its cash conversion cycle but it has caused shareholders to lose huge amount of money over the past few years. … [Read More...]
Why this company has high profitability but still lose money?
One of my client asked me about a particular company that is listed in Hong Kong and Shenzhen. She wanted to buy this company. is not a small company. It has a market capitalization of HKD 173 … [Read More...]
Paying dividends from borrowings
In 2015, I met a client who engaged me for comprehensive financial planning. But I was quite frustrated with the outcome because the client did not take up most of my recommendations. In particular, I … [Read More...]
Property investment is illogical especially when its > 100% of networth
Update 30/11/2017: See article: MAS flags risks from 'excessive exuberance' in property market For those who has read my blog for some time is well aware that I am against the way many Singaporeans … [Read More...]
When insurance agents jump ship, clients may suffer
For those who does not read newspaper, the Sunday Times has an article today on the potential problems that could occur when insurance agents are being poached (When insurance agents jump ship, … [Read More...]
featured articles
3 Reasons Singaporeans Cannot Retire
Do you know that a survey shows that Singaporeans comes up number one in financial literacy? The strange thing is that in the same survey, it was found Singaporeans failed in retirement … [Read More...]
6 ways to increase your investment returns
1: Asset allocation is critical The most important part of investment is to get the asset allocation right. This is because large proportion of the percent of return variation of a portfolio is … [Read More...]
A whopping 65% of retirees’ saving will not last, says NTUC Income’s survey
It was reported that 65% of retirees feel that their savings will not last through retirement. This survey was conducted by Nielsen commissioned by NTUC Income. In addition, retirees say that one of … [Read More...]
(Another) 4 reasons why Singaporeans and you cannot retire
There was a report that an aircraft technician was worried that he may be force to retire when he turns 65 years old this Saturday. This is because the re-employment age ceiling will increase from 65 … [Read More...]
FREE personalised retirement planning analysis report for those 40 & above
I created a new retirement planning tool for those who are 50 and above to help them plan for their retirement. This new tool is FREE. The tool is capable of generating automated preliminary … [Read More...]
Why private banking clients have no asset allocation skills?
A UBS survey among high networth individuals in Singapore and Hong Kong revealed interesting findings: 62% of investors admitted that they did not know how much to save for retirement Only 1% … [Read More...]
Millions of dollars of retirees’ money lost in property scam
It was reported that $60 million worth of investors’ money was lost in a property ponzi scam right in Singapore ("Investors caught in $60m ponzi scam", Straits Times 24 May 2015). Ms Leong Lai Yee … [Read More...]
Widespread financial illiteracy on retirement planning, says CPF Advisory Panel
It was reported that Singaporeans are suffering from the lack of financial literacy. The problem is actually widespread despite Singapore scoring tops in mathematics. “There is a difference between … [Read More...]
It’s too late to do retirement planning when old, says Citi-SMU
According to Citi-SMU (SingaporeManagement University) symposium on financial Literacy for young adults, it is important to start managing one's finances when young. This is because picking up … [Read More...]
