Recently Manulife launch the industry's first investment linked annuity plan. I heard that one bank is selling this like hot cakes. But the poor consumer doesn't know one problem about this plan. There are three portfolio to choose namely SRP Aggressive Portfolio, SRP Growth Portfolio and SRP Balanced Portfolio. The "best" part of these funds is the ridiciulous expense ratio. The management fee of … [Read more...]
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Herd Instincts at Play
In this latest article, Wilfred Ling highlights the danger of investing based on herd instincts. First published in SmartInvestor's June 2007 issue, the full article can be downloaded HERE … [Read more...]
No Lack of Confusion
The market is now confused. See what Wilfred Ling has to say about the confusion in the market in the latest issue of Smart Investor April 2007 edition. The full article can be downloaded HERE. … [Read more...]
Investment Prospectives for the 30s and 40s
In this May/June 2007 issue of Q magazine, Wilfred Ling tells us how to start an investment from a very simple approach. There is no need to monitor the markets, no need to understand how markets work, no need to read newspaper, there isn't much to do anyway. A sample portfolio is demonstrated for the Conservative and Aggressive Investor. In addition, Wilfred publishes the benefit (or rather then … [Read more...]
Investment Perspective for the 20 years old
In this article, Wilfred Ling writes about investment from a perspective of a 20 something years old. The article first appeared in Q Magazine by Q Publishing Pte Ltd March/April 2007 edition. The full article can be downloaded HERE … [Read more...]
The Lack of Fear
There is no sign of fear in the market. See what Wilfred Ling has to say about this dangerious sentiment in the latest article for SmartInvestor Feb 2007. The article can be downloaded HERE … [Read more...]
The Three Problems of Investment
"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...]
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...]
