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 recalled he did not take my advice to invest in a diversified portfolio. Instead, he preferred to invest 100% of his investable money in just one company. paid very good dividends and was a … [Read more...]
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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 invest in properties. In this blog, I will be doing the same except that I will be providing more figures to proof that property investment is an illogical investment. Myth #1: Assuming interest … [Read more...]
The risk of using investments for retirement are often underestimated
In this article, I want to write about a little-known danger when using investments to support one’s retirement. Very often, I hear of clients using stocks and REITs as a source of income to support their retirement years. I do not have any problem with that except that they underestimate the risk of using such instruments. At the end of this article, I will show you that a portfolio of … [Read more...]
Should I convert/sell (fill in the blank) as I made a lost?
I always get this question from clients whether should they convert their USD or GBP (or whatever foreign currencies) to SGD (or to other currencies). Similarly, I am always asked whether should they sell their stocks to buy something else. The same applies to properties. On the surface, these questions appear to be legitimate. But in reality, these clients were expressing irrationale … [Read more...]
Long list of db X-trackers ETFs delisting from SGX
That is right, Deutsche Asset Management seems to be pulling many of its ETFs out of Singapore. It has delisted and will be delisting a large number of its db x-trackers ETFs from the SGX. Sources: HERE, HERE , HERE and HERE. I am not surprised that many of these ETFs are closing down. Here are some reasons why: Reason 1: Some of these ETFs are of no meaning and should not even … [Read more...]
Protected: Part 2: 4 more ways to identify which stocks are going to collapse
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Protected: Part 1 : How to identify which of your existing stocks are going to lose money?
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When would bonds sink together with equities?
Questions: "Wilfred, under what circumstances would bonds and equities drop together?" Answer: High yield bonds or also known as junk bonds are positively correlated with equities. Here is the 5 years correlation matrix of the various asset classes based on monthly returns on SGD: The Bloomberg Barclays Global High Yield and Citi Global Emerging Markets US Dollar Government Bond are … [Read more...]
Is it worth selling your 101 ILPs instead of surrendering it?
I keep on getting queries from clients and potential clients that they want to terminate their 101 ILPs. This after they realized that they found it to be not suitable. What are 101 ILPs? 101 ILPs are investment wrapped under an insurance contract which provides very little insurance coverage. Typically, the death benefit is 101% of the investment market value. Thus, financial practitioners … [Read more...]
When is investing in Exchange Traded Funds (ETFs) not suitable?
Much has been said in the media about the benefit of Exchange Traded Funds (ETFs). But like all financial products, there are situation which its purchase is not suitable. So here are a few scenarios in which investing in Exchange Traded Funds may not be suitable. When the focus is not large cap There are countless number of Exchange Traded Funds all over the world. But very few really make … [Read more...]
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