"The difference between speculation and investment is that the former is concerned with large returns over the short term period while the latter is concerned with gaining reasonable returns over a long period of time. Unfortunately, most people are neither good at speculating or investing. As a professional investment adviser, I advocate investment as the method of gaining good returns. (I don’t … [Read more...]
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How to save $200k in 18 years for school fees
(This article appeared in Sunday Times on 19 February 2006) BY THE time Patrick Sin's kids are ready for tertiary education in more than 10 years or so, the costs of the courses plus living expenses for four years could total about $200,000. But the father of three is prepared. Mr Sin, a bank manager in his late 30s, uses a combination of endowment policies, unit trusts and stocks to save up for … [Read more...]
Total Cost of a Tertiary Education
(A concise version of this article appeared on Sunday Times newspaper 15 January 2006 entitled "A degree could cost $125,000 in 10 years" ) A LOCAL tertiary education is 860% more expensive then the entire school fees from primary school to junior college. A local medical degree is 3341% more expensive then the first twelve years of school fees. It cost $2,472 in school fees to have a student … [Read more...]
Risk and Reward in investments using Value At Risk
In this article, we shall examine the basic concept of risk and reward in investments and remind ourselves how risk and reward is linked. We then introduce the concept of value-at-risk. The article will conclude with practical applications for all investors. Reward from investments Investments have often being mistakenly to be similar as speculations. Speculation has to do with attempting to … [Read more...]
Risks involved in investing in foreign ETFs
I have been advocating investing in low cost passive fund because active managed funds returns tend to produce poor returns despite the similar level of risk. In Singapore, there is limited number of choices for passive funds and most of them have problems such as high cost or poor liquidity. I personally invests in Exchange Traded Funds (ETFs) listed in AMEX. These ETFs which I had invested … [Read more...]
Lessons In The Dot.Com Era
Many of us started investment during the technology dot.com era which resulted in many losing a lot of money. Due to this bad experience, many people turned away from investment permanently. Others picked up the pieces and move on repeating the same mistakes again. To make mistakes is not unusual but not learning from the mistakes is the worst kind of mistake. In this article, we will go back in … [Read more...]
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