Bankruptcy of Tat Seng executive chairman

Wayyy overdue post which I drafted but did not finish writing at the time of occurrence as I was occupied with work but still worth sharing! As you may or may not know, I hold a portion in Tat Seng Packaging Group (T12) as part of my income portfolio. Thus, I was suitably alarmed when […]

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Our 3-fund portfolio

My fiancé and I were not content with parking our combined savings in a high yield savings account so we looked for alternative places to grow our savings. However, the available options we found such as fixed deposits and endowment plans did not offer the liquidity and returns that we were seeking. (Will need to […]

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I chose pay over passion and that’s okay

When I was a fresh graduate, I applied for jobs in a field that I was interested in and paid little attention to the remuneration package. To me, passion was primary and pay, secondary. I believed that it didn’t matter so much what I was paid so long as I was doing what I loved. […]

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Finding stock ideas

The first stock I purchased was Parkway Life REIT and it took me nearly 3 months of researching before I decided to pull the trigger on it. The reason I spent that much time was because: There were too many stocks out there which was overwhelming for the newbie investor (me) to choose from I […]

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Part 4 of 4: What I did – Singapore Savings Bonds (SSB)

The bond market in Singapore is not particularly exciting with its limited offerings for retail investors. Since I did not have $250k casually lying around to purchase corporate bonds for my portfolio, my remaining options were retail bonds, government bonds, and bond ETFs.  Government bond = best bond? Back in October 2015, MAS launched the […]

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Part 3 of 4: What I did – Dividend-paying Stocks

While my RSP and roboadvisor were giving me satisfactory capital gains, I was not able to have my cake and eat it just yet as the returns were intangible and any form of dividends I received were automatically reinvested. Therefore, I turned to dividend-paying stocks on the SGX, specifically REITs, for some pocket money to […]

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Scrip Dividend Schemes: Cash or Scrip?

In light of recent scrip dividend schemes offered by the three local banks, I’d like to quickly share my thoughts and experience on deciding whether to take cash or scrip dividends. Disclaimer: I am vested in DBS and OCBC. There are pros and cons to opting for cash or scrip dividends and sometimes the decision […]

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Part 2 of 4: What I did – Roboadvisors

Roboadvisors are digital platforms that emulate the role of a traditional fund manager but without the actual human. They replace traditional fund managers by using automated and algorithm-driven portfolios to scale and thereby are able to offer comparatively lower fees than their human counterparts.  Minimum cost, maximum exposure In recent years, roboadvisors have been gaining […]

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Part 1 of 4: What I did – Regular Savings Plans (RSPs)

With a plethora of investment vehicles out there, I wasn’t quite sure what to invest in. So I did a little exercise to explore potential options:  With a clearer idea of where my funds could be deployed, I looked for available service offerings for each of those products. I will be sharing about what I […]

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Determining my asset allocation

Once I identified my goals and purpose for investing, I set about creating an investment plan that met my needs. One of the first things I did was to determine an asset allocation for my portfolio. I was able to do so by answering two simple questions: #1: What is my risk profile? Our risk […]

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