Singaporean's DIY approach to financial planning is really pathetic. According to HSBC’s 'The Future of Retirement' report: Half of those 30-39 do not have any short-term savings (probably spent it all away). Only 30% of those 40-49 are protecting their assets. 24% of parents do not have any life insurance (probably they thought they are superman). 34% of those 50-59 are not saving for … [Read more...]
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Myths in Dividend Yield Investing
I read an article which recommends buying high dividend yield stocks in times of crisis like this. As I read, I recall that I have many clients whose personal portfolios exceeding six figures are all invested in high dividend yield stocks. Needless the say, these portfolios were dangerously concentrated. Here are some points to note before you invest in high dividend yield stocks: High dividend … [Read more...]
I have nightmare over synthetic ETFs
I am always worried about swap-based ETFs. I cannot sleep on it. The Straits Times article "1 in 3 fund managers wary of synthetic ETFs: Survey" dated 23 June 2011 revealed that 1/3 of the fund managers are wary of synthetic ETFs such as swap-based ETFs. Synthetic ETFs whose underlying are derivatives always make me feel very uneasy. Sometimes I would have nightmare over it. I advice people to … [Read more...]
Factors influencing GDP growth according to neo-classical theory
There has been some discussion with regard to GDP growth in this election period. Those who did not study economics may not be clear about certain jargons being used. Traditionally, GDP = C + G + I + X-M meaning that GDP depends on consumption, government spending, investments and net exports. However, absolute quantity of GDP is not the focus most of the time but instead it is the GDP growth that … [Read more...]
Anyone monitoring the money supply in Singapore?
In my personal opinion, one of the main culprit for the surge in property prices in Singapore is due to the money supply released via the CPF ordinary account. It is unclear to me whether the measurement of money supply namely the M1, M2 and M3 calculated by MAS takes into account of the money supply coming from the CPF. It is obvious that CPF has some influence over the money supply but the … [Read more...]
An Uncensored Analysis of Stricter CPFIS Criteria
The announced CPFIS criteria changes will impact the funds CPF investors can buy, but few have commented on the actual changes and what consequences they will have on investors. Wilfred Ling give his opinion on the changes in fundsupermart.com magazine HERE … [Read more...]
How cost of investments can delay your retirement indefinitely
Today I want to write about why cost of investments matters. Why you should be aware of cost of investments and when you should pay for cost and when you should not be paying for such cost. It has become almost like a norm that to retire, it is important to increase your wealth by making your money work hard for you. Unfortunately most people will be met with large number of obstacles. For … [Read more...]
Is emerging market inefficient?
Many people say that the emerging market is an inefficient market and hence active managed approach is more suitable. Whether the emerging market is inefficient or not I do not know but we can objectively measure the performance of fund managers we have in Singapore. Here is a sample of the emerging market equity funds approved to be sold to retail investors in Singapore: Franklin Templeton … [Read more...]
Fixed deposit ends up becoming insurance or structured deposit
In a Bloomberg article "Fallen Soldiers' Families Denied Cash as Insurers Profit" dated 28 july 2010, it was reported that some insurance companies in the United States “pay” death benefits by holding in accounts not regulated by banking laws. Beneficiaries think that the monies are held in accounts like a bank. In reality, these accounts are only backed by the credit worthiness of the insurance … [Read more...]
Advantages & Disadvantages of ETFs
What makes ETFs different from mutual funds? What are the advantages and disadvantages of ETFs? How about leveraged and inverse ETF, counterparty risks and why ETF is not suitable for all asset classes? View this video to find out more: https://traffic.libsyn.com/take15/CFA_Institute_Take_15_Ep49.mp4 … [Read more...]
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