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Thread: STOCKS THREAD

  1. #751
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    Dear Valued Participant,



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  2. #752
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    Today, The strait times front page GOOD news.
    ================================
    Sigh of relief as Trump Xi agree on trade war ceasefire.
    Sell of optimism (good news). Very simple investment strategy. But never never trade too oftrn unless...

  3. #753
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    Quote Originally Posted by cbsh38584 View Post
    Today, The strait times front page GOOD news.
    ================================
    Sigh of relief as Trump Xi agree on trade war ceasefire.
    Sell of optimism (good news). Very simple investment strategy. But never never trade too oftrn unless...
    Why not buy now?

  4. #754
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    Why must Buy bank stocks ?
    ==================


    A bank is a financial institution which is involved in borrowing and lending money. It is always one of the most vital sectors for the economy to be able to function. Its importance as the “lifeblood” of economic activity, in collecting deposits and providing credits to states and people, households and businesses is undisputable. So bank will be around forever.


    My very 1st stock was M'sia public bank which I bought at S$0.29 (amt S$10,000) in 1992. I sold it off within mth as I have nobody to advise me that it is good to keep bank stock with yearly dividend payout. If I am still holding it , I would be sitting on S$500k - S$600k (due to exchange rate drop) worth of Public Bank shares . FYI, CPF SA (4% compounded) return is only $26,500 (initial 10k) after 25 yrs.


    1997 Asia financial crisis caused the crash of the Asia economy. In Sept 97 ,Mahathir imposed capital controls .He also banned the trading of Malaysian shares overseas. All the stocks were down between 50% to 80%. I sold off my penny stocks & switched to Malaysian Maybank ($2+). After the crisis, I soon realised that I have made the right decision. Maybank survived while most of the penny stock (eg Promet ) become "toilet paper". I sold it off when Mahathir allowed us to sell (A blessing in disguise as it prevent panic selling). I was saved by Mahathir (1997 crisis) & Dr Tony Tan (2008 crisis).


    I overheard at bank teller recommending a old uncle (probably early 70s) a guarantee capital structure deposit (projected return 2%) for 5 yrs. At that time, bank saving a rate was around 0.2% to 0.3%. The uncle rejected it & told her that his OCBC share which he invested many yrs ago & still holding. It has made him millionaires.


    Why buy bank stock ?
    1. Singapore is the fastest growing private wealth management hub. It has grown its assets under management from $1.17 billion in 2007 to $2.7 trillion in 2017. It may "overthrow" Switzerland to clinch the top spot in global offshore wealth mgmt by 2020. US bank also sees Singapore as one of the top offshore RMB hub by 2020 (Better learn to write & speak Mandarin well).



    2. The Singapore Govt has been given the AAA credit rating by international credit rating agencies since mid 90s. It always draws safe haven seekers from Malaysia, Indonesia, China etc. The strength of S$ is proven as a worth holding value. In the last 20 yrs, it has appreciated against Ringgit (From 1 S$ =Rm$1.6 to Rm$3), USD (from S$2 to S$1.38) pound (from 1 Pound =S$3 to S$1.8), Canada (From 1 Can =1.45 to 1.06), Australian (from 1 Aus = S$1.3 to S$0.97) etc


    3. Singapore ranked safest country in the world. Our No. 1 ranking means that we beat Japan, along with the Scandinavian countries Sweden, Norway, Denmark and Finland.

    Malaysian government recently agreed to abolish the death penalty. There will be more drug problems & will lead to more crime. It will scare away the some rich Msian. My friend's uncle (Msian) had bought 2 units of condo in SG despite the 18% stamp fee last yr.


    4. Non Performing loan
    A loan on which the borrower is not making interest payments or repaying any principal. The banks are smart enough to see a potential NPL companies way ahead. They will package it into a corporate bond with high yield (5% to 7%) sell it to private client as well as retail investors. Banks earn commission as well as their NPL is greatly reduce. So bank profit margin is protected. Many of our oil & gas companies & others default on their interest payment. Kris energy, Ezra , Ezion , Nam Cheong etc etc



    5. Property loan
    During the 1997 crisis, Banks were hit by ppty mortgage loan (mostly 80% LTV) . Many foreigners "run away" & default it. But now, foreigner property investors have to put a higher cash down payment. S'porean ppty investors have to follow the TDSR guide line. The TDSR limits the amount individuals can spend on monthly mortgage debt repayments, based on a percentage of their gross monthly income. So NPL is also at a min.



    6. Banks have been aggressively into wealth mgmt. which is one of the very profitable sector. Banks give a lot of incentive to encourage leveraging + trading (old habit dies hard). Banks never learn from the 2008/2009 US financial crisis. The banks are well protected but not the ignorant investors.


    7. Warren Buffett (net worth US$87 billion) is one of the most successful investors of all time. 50% of his holding are banks stock.


    8. The US financial crisis (2008) was primarily caused by deregulation (the removal of regulations or restrictions) in the financial industry. Banks engage in hedge fund trading with high risk derivatives. It pushed the world’s banking system towards the edge of collapse.


    Basel III is an internationally agreed set of measures developed by the Basel Committee on Banking Supervision in response to the financial crisis of 2007-09. It will make banks more resilient and restore confidence in banking systems.


    Contingent convertibles, also known as CoCos help banks meet Basel III capital requirements. Many SG banks have issued record Coco bonds with a deferred payment & loss absorption (capable of absorbing losses in the event that a bank is unable to support itself in the private market). Loss absorption mean your COCO bonds can be zero only in extreme cases.

    So banks are also more resilient if another crisis comes.


    9. My friend’s brother-in-law bought DBS shares at the DOT.COM period in 1999 at $28(wrong entry timing) .
    19 yrs later, it reached S$30 in May18 . He should has a capital gain as DBS has 2 right issued at below $15 a few years ago + yearly dividend payout since 1999.



    10. My reservist mate told me that he find quite strange when his neighbour (one of the director) told him not to subscribe his company IPO . An IPO for a company is to grow and expand his biz. From a high of $0.80 (my god ! CPF approved stock). Today is 0.005 cents. Many CPF approved penny stock drop > 90%. So never buy penny stock. Only banks stock as one of your long term holding collecting dividend.


    11. Insurance companies & fund mgr must have top holdings are always bank.


    12. Consumerism - Credit card, car loan , furniture loan etc.


    Let keep investment simple. Greed investing kills just like speeding on the road which will eventually kill you .Never touch speculative stock especially small cap. Don’t trade too often as it will be a waste of time due to your own human emotional weakness.

  5. #755
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    Women are better investors
    =================

    A lady friend (just converted to SG citizen this year) wanted to know what to buy for stock. I told her just buy bank share. Then she get agitated by it. She told me that during the Lehman 2008 crisis. She saw the opportunities to buy SG bank. So she drove all the way back to her M'sia hometown to withdraw her Ringgit currency & convert to SG$10k Plus. As she is busy with her shop biz & need to open a new acct. She pass the S$10k+ to her husband & told him thrice just buy UOB bank ($9+ at that time).

    Unfortunately, her husband did not buy bank instead he was influenced by his own group of "penny stock" friend & bought speculative penny. Month later (busy), she realised her husband did not buy UOB buy. A rude shock that the penny stock has dropped >50%.

    UOB share is $25 today . Dividend payout for the past yrs was $7+.

  6. #756
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    Thanks for sharing.

  7. #757
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    Thanks for sharing.

    Just like property when you see profit you are willing to share so more can benefit but there are those who lost will always say otherwise.

    Those who MTB will always tell others not to buy when property price increase.

    When property price drop, MTB will tell people see I told you don't buy wait till price crash.

    MTB cycle will always repeat years after years until too old to leverage and income become zero.

    Be it share or property waiting is not the word of the day, buy when you can because you never know how low it can go.

    Singapore property market is so well controlled and all the control measure are helping the first timer to get on the Boat.

    You will still get MTB telling people can buy don't buy wait for the crash, high or low MTB will never buy.


    2006, I was 42 years old don't dare to buy private property.

    With God Blessing I bought one in Jun 2006 with $108,000 deposit and life changes along the way.

    My Max leverage is $1,800,000 because Bank is willing to loan and MAS control was not able to control.

    If I MTB I will be paying 12% and 15%, TDSR, LTV wow cannot see the light.
    Last edited by Arcachon; 07-12-18 at 08:35.

  8. #758
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    A very emotional investor will be more fearful buying individual stock during the " extreme fearful" time.
    So it will be better buying unit trust (diversify risk) rather than buying individual stock (concentration risk).



    Schroder Asian growth fund = Risk 8 (high) (CPF OA , SRS & Cash)
    ====================================================
    Top holding = Alibaba , Tencent, AIA HK, Taiwan TSMC , HDFC bank , Samsung etc

    Historical dividend = 2016 = 10cts , 2015=10 cts 2014=0.115 cts .
    Dec13 price = 2.65
    May15 price = 3.05
    Nov16 price = 2.77 - Dividend payout = 11 cts
    Mar17 price = 3.06 - Dividend payout = 14.6cts
    July18 price = 3.68 - Dividend payout = 0.0447 (half year payout)
    DEC18 price = 3.24 -
    Dividend payout = 0.0066 (9 mths payout - Last Q payout est 0.021..)




    1st state dividend fund USD - Risk 8 (high) ( CPF OA , SRS CASH)
    ===============================================
    Top holding = OCBC , Taiwan TSMC , Midea group , AIA etc

    Historical dividend = 2016 = 6.3cts , 2015=6.6 cts 2014=5.85 cts 2013= 5.5 cts...
    May 12 price = 1.188
    Dec13 price = 1.40
    May15 price = 1.71 Dividend payout FY15 = 0.047 cts
    Nov16 price = 1.58 Dividend payout FY16 = 0.046 cts
    Mar17 price = 1.68 Dividend payout FY17 =0.052 cts
    July18 price = 1.40 Dividend payout half year = 0.0388
    Dec18 price = 1.77 Dividend payout 8 months = 0.058 (last payout in end Dec18 est 0.019..)



    Fulleraton SGD income fund - Risk 2 (LOW ) SRS & CASH (dont know why CPF OA not allow)
    =======================================================================
    Top holding - Investment grade bonds (Fund grow too big - closed )

    Historical dividend = 2016 = 4.4 cts , 2015=4.2 cts 2014=4.3 cts 2013= 3.8 cts
    Dec12 = 1.046
    May15 = 1.0508
    Nov16 = 1.0453
    Mar17 = 1.0525
    July18 = 1.04
    Dec 18 = 0.986


    Aberdeen Pacific Equity Fund SGD - Cash,CPF-OA, SRS
    ===================================
    Feb 14 = $4.5
    July17 = $5.92
    July18 =$5.95
    Dec 18 = $5.47

  9. #759
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    There are now many many indicators pointing to the same direction of market likely to be in the near future.

    Expect many companies to miss their estimates and trim their forecasts in this coming quarter.

    Just be extremely cautious in your investment. At time, zero holding is better than invested.

  10. #760
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    Default Re: STOCKS THREAD

    Quote Originally Posted by cbsh38584 View Post
    Today The Straits time FRONT PAGE news - ASIAN MARKETS SELL-OFF


    It mean fear in the market. A buy signal for emerging market.

    Fear can turn into Worst fear. It mean a best buy signal .When all world central bank pump in money to rescue the stock market. It is all time best buy. But you need to wait much longer time.

    Invest in Crisis time – One of the most difficult investing decision
    ========================================
    Investing in crisis time is the most rewarding and it will shortened your journey to Financial Freedom. It is also the opportunities to recoup your past many years of losses.
    A very emotional investor will be more fearful buying individual stock during the " extreme fearful" time.So it will be better off buying unit trust (diversify risk) rather than buying individual stock (concentration risk).

    Investing is very simple if you don't follow the herd. One of the way to invest is to watch out for Strait time FRONT PAGE news. ASIAN MARKETS SELL-OFF. It is a good buy signal. But you need to be patience.

    Impatience - Buy unit trust - 80% investors say return too slow to see result. Trade frequently to get fast return.

    Greed - Buy investment grade unit trust bond (return est 3%) - 80% investors say Return too low. Want 6% -10%. Buy speculative stock for fast return.

    Overconfidence - CPF 2.5% is easy to beat by buying stock. They have forgotten they have emotional weakness behaviour (herd instinct)

    keep monitoring the stock price - The rice in the cooker will never get fully cook if U keep open the lid to see whether it is cook.








    26th Oct 2018 Front page big news.
    Schroder Asian growth fund = Risk 8 (high) (CPF OA , SRS & Cash)
    ====================================================
    Top holding = Alibaba , Tencent, AIA HK, Taiwan TSMC , China mobile , Samsung etc
    *** Some Top holding will change every year. Non performing stock (sunset) switch to better performing stock)


    Historical dividend = 2016 = 10cts , 2015=10 cts 2014=0.115 cts .
    Jun 1998 = 0.60 (Asia Financial crisis )
    Feb 2009 = 1.05 (US financial crisis)
    Dec13 price = 2.65
    May15 price = 3.05
    Nov16 price = 2.77
    Mar17 price = 3.06 - (3.06-2.77)/2.77 = 10% minus 1% sale charge = UP 9%

    28th Oct 18 = 3.10 (Strait time front page news - ASIAN mkt sell off )
    25th Mar19 = 3.49 (5 months later. It is up by 12%)






    1st state dividend fund - Risk 8 (high) ( CPF OA , SRS CASH)
    ===============================================
    Top holding = OCBC , Taiwan TSMC , CK Hutchsion . LG etc

    Historical dividend = 2016 = 6.3cts , 2015=6.6 cts 2014=5.85 cts 2013= 5.5 cts...
    May 12 price = 1.188
    Dec13 price = 1.40
    May15 price = 1.71
    Nov16 price = 1.58
    Mar17 price = 1.68 1.68+0.016(Dividend) - 1.58 = 0.116 divide by 1.58 = 7% minus 1% sale charge =UP 6%

    28th Oct 18 = 1.72 (Strait time front page news - ASIAN mkt sell off )
    25th Mar19 = 1.87 (5 months later. It is up by 8.8%)






    AIA regional equities fund - Risk high - CPF OA, cash & SRS
    =====================================
    Top holding = Alibaba , Tencent, China mobile , Samsung ,UOB , HDFC bank , Taiwan TSMC , AIA HK

    Jan 1998 - 0.79 (Asia Financial crisis in 1998)
    Mar 2009 - 2.40 (US Financial crisis in 2009 )
    28th Oct 18 - 5.72 (Strait time front page news - ASIAN mkt sell off )
    25th Mar 19 - 6.50 (5 months later. It is up by 13%)

  11. #761
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    Default Re: STOCKS THREAD

    What to buy with 200k cash?

  12. #762
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    Default Re: STOCKS THREAD

    Quote Originally Posted by cbsh38584 View Post
    Today The Straits time FRONT PAGE news - ASIAN MARKETS SELL-OFF


    It mean fear in the market. A buy signal for emerging market.

    Fear can turn into Worst fear. It mean a best buy signal

    When all world central bank pump in money to rescue the stock market. It is all time best buy. But you need to wait much longer time.

    26th Oct 2018 - The Straits time FRONT PAGE news - ASIAN MARKETS SELL-OFF Good buy signal
    ============================================================

    UOB bank $24 (26th Oct 18)
    UOB bank $25.10 ( 27th Mar 19) - dividend $0.50 (22/2/19)
    6.6% rise including Dividend


    UOL $6 (26th Oct 18)
    UOL $6.78 (27th Mar 19) - Dividend $0.175 (26/2/19)
    16% rise including Dividend


    CapitaLand $3.03 (26th Oct18)
    CapitaLand $3.52 (27th Mar19) - Dividend $0.12 (18th Mar19)
    20% rise including Dividend


    DBS $23.05 (26th Oct 18)
    DBS $25.21 (27th Mar19) - Dividend $0.60 (18th Feb19)
    12% rise including Dividend


    Keppel Corp $6.10 ( 26th Oct18)
    Keppel Corp $6.18 (27th Mar18) - Dividend $0.15 (24th Jan19)
    3.7% rise including Dividend


    OCBC $10.40 (26th Oct 18)
    OCBC $ 11.00 (27th Oct19) - Dividend $0.23 (22nd Mar19)
    8% rise including Dividend


    WingTai $1.93 (26th Oct 18)
    WingTai $2.01 (27th Mar19)
    4% rise including Dividend


    City development $7.83 (26th Oct18)
    City development $8.95 Dividend $0.08 (21st Mar19)
    15% rise including Dividend


    Ping An HK HK$74.40 (26th Oct18)
    Ping An HK HK$85.30 (27th Mar19) - dividend ?
    15% rise

    China construction bank HK$6.17 (26th Oct18)
    China construction bank HK$6.86 (27th Mar19) - Dividend ?
    11% rise

    Bank of China HK$3.26 (26th Oct18)
    Bank of China HK$3.58 (27th Mar19) - Dividend ?
    10% rise


    Tencent HK$260 (26th Oct18)
    Tencent HK $354 (27th Mar19)
    36% rise(Top ten holding for most Asia fund)


    AIA HK HK$58.40 (26th Oct18)
    AIA HK HK$76.30 (27th Mar19) Dividend ?
    30% rise

    etc etc

  13. #763
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    Default Re: STOCKS THREAD

    Quote Originally Posted by cbsh38584 View Post
    Invest in Crisis time – One of the most difficult investing decision
    ========================================
    Investing in crisis time is the most rewarding and it will shortened your journey to Financial Freedom. It is also the opportunities to recoup your past many years of losses.
    A very emotional investor will be more fearful buying individual stock during the " extreme fearful" time.So it will be better off buying unit trust (diversify risk) rather than buying individual stock (concentration risk).

    Investing is very simple if you don't follow the herd. One of the way to invest is to watch out for Strait time FRONT PAGE news. ASIAN MARKETS SELL-OFF. It is a good buy signal. But you need to be patience.

    Impatience - Buy unit trust - 80% investors say return too slow to see result. Trade frequently to get fast return.

    Greed - Buy investment grade unit trust bond (return est 3%) - 80% investors say Return too low. Want 6% -10%. Buy speculative stock for fast return.

    Overconfidence - CPF 2.5% is easy to beat by buying stock. They have forgotten they have emotional weakness behaviour (herd instinct)

    keep monitoring the stock price - The rice in the cooker will never get fully cook if U keep open the lid to see whether it is cook.








    26th Oct 2018 Front page big news.
    Schroder Asian growth fund = Risk 8 (high) (CPF OA , SRS & Cash)
    ====================================================
    Top holding = Alibaba , Tencent, AIA HK, Taiwan TSMC , China mobile , Samsung etc
    *** Some Top holding will change every year. Non performing stock (sunset) switch to better performing stock)


    Historical dividend = 2016 = 10cts , 2015=10 cts 2014=0.115 cts .
    Jun 1998 = 0.60 (Asia Financial crisis )
    Feb 2009 = 1.05 (US financial crisis)
    Dec13 price = 2.65
    May15 price = 3.05
    Nov16 price = 2.77
    Mar17 price = 3.06 - (3.06-2.77)/2.77 = 10% minus 1% sale charge = UP 9%

    28th Oct 18 = 3.10 (Strait time front page news - ASIAN mkt sell off )
    25th Mar19 = 3.49 (5 months later. It is up by 12%)






    1st state dividend fund - Risk 8 (high) ( CPF OA , SRS CASH)
    ===============================================
    Top holding = OCBC , Taiwan TSMC , CK Hutchsion . LG etc

    Historical dividend = 2016 = 6.3cts , 2015=6.6 cts 2014=5.85 cts 2013= 5.5 cts...
    May 12 price = 1.188
    Dec13 price = 1.40
    May15 price = 1.71
    Nov16 price = 1.58
    Mar17 price = 1.68 1.68+0.016(Dividend) - 1.58 = 0.116 divide by 1.58 = 7% minus 1% sale charge =UP 6%

    28th Oct 18 = 1.72 (Strait time front page news - ASIAN mkt sell off )
    25th Mar19 = 1.87 (5 months later. It is up by 8.8%)






    AIA regional equities fund - Risk high - CPF OA, cash & SRS
    =====================================
    Top holding = Alibaba , Tencent, China mobile , Samsung ,UOB , HDFC bank , Taiwan TSMC , AIA HK

    Jan 1998 - 0.79 (Asia Financial crisis in 1998)
    Mar 2009 - 2.40 (US Financial crisis in 2009 )
    28th Oct 18 - 5.72 (Strait time front page news - ASIAN mkt sell off )
    25th Mar 19 - 6.50 (5 months later. It is up by 13%)

    Peeping Tom type of investors.
    ===================
    If you are one of the peeping tom investors which keep monitor the stock movement regualrly. You are likely to get very emotional which will make emotional bad decision. The rice will never get cook if you keep open the LID to see whether it is cook.


    So good unit trust fund is one of the best Alternative investment for you. Buying into a unit trust can keep investors from falling into this TRAP (investor worst quality is GREED & impatient ) due to their weak emotional behavior. They (speculators) lie through rumour/speculation to get out to make us emotionally confused and hurt (huge financial loses) all of us through our own emotional stupidity, HERD INSTINCT, GREED & FEAR.

  14. #764
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    Default Re: STOCKS THREAD

    Quote Originally Posted by cbsh38584 View Post
    Why must Buy bank stocks ?
    ==================


    A bank is a financial institution which is involved in borrowing and lending money. It is always one of the most vital sectors for the economy to be able to function. Its importance as the “lifeblood” of economic activity, in collecting deposits and providing credits to states and people, households and businesses is undisputable. So bank will be around forever.


    My very 1st stock was M'sia public bank which I bought at S$0.29 (amt S$10,000) in 1992. I sold it off within mth as I have nobody to advise me that it is good to keep bank stock with yearly dividend payout. If I am still holding it , I would be sitting on S$500k - S$600k (due to exchange rate drop) worth of Public Bank shares . FYI, CPF SA (4% compounded) return is only $26,500 (initial 10k) after 25 yrs.


    1997 Asia financial crisis caused the crash of the Asia economy. In Sept 97 ,Mahathir imposed capital controls .He also banned the trading of Malaysian shares overseas. All the stocks were down between 50% to 80%. I sold off my penny stocks & switched to Malaysian Maybank ($2+). After the crisis, I soon realised that I have made the right decision. Maybank survived while most of the penny stock (eg Promet ) become "toilet paper". I sold it off when Mahathir allowed us to sell (A blessing in disguise as it prevent panic selling). I was saved by Mahathir (1997 crisis) & Dr Tony Tan (2008 crisis).


    I overheard at bank teller recommending a old uncle (probably early 70s) a guarantee capital structure deposit (projected return 2%) for 5 yrs. At that time, bank saving a rate was around 0.2% to 0.3%. The uncle rejected it & told her that his OCBC share which he invested many yrs ago & still holding. It has made him millionaires.


    Why buy bank stock ?
    1. Singapore is the fastest growing private wealth management hub. It has grown its assets under management from $1.17 billion in 2007 to $2.7 trillion in 2017. It may "overthrow" Switzerland to clinch the top spot in global offshore wealth mgmt by 2020. US bank also sees Singapore as one of the top offshore RMB hub by 2020 (Better learn to write & speak Mandarin well).



    2. The Singapore Govt has been given the AAA credit rating by international credit rating agencies since mid 90s. It always draws safe haven seekers from Malaysia, Indonesia, China etc. The strength of S$ is proven as a worth holding value. In the last 20 yrs, it has appreciated against Ringgit (From 1 S$ =Rm$1.6 to Rm$3), USD (from S$2 to S$1.38) pound (from 1 Pound =S$3 to S$1.8), Canada (From 1 Can =1.45 to 1.06), Australian (from 1 Aus = S$1.3 to S$0.97) etc


    3. Singapore ranked safest country in the world. Our No. 1 ranking means that we beat Japan, along with the Scandinavian countries Sweden, Norway, Denmark and Finland.

    Malaysian government recently agreed to abolish the death penalty. There will be more drug problems & will lead to more crime. It will scare away the some rich Msian. My friend's uncle (Msian) had bought 2 units of condo in SG despite the 18% stamp fee last yr.


    4. Non Performing loan
    A loan on which the borrower is not making interest payments or repaying any principal. The banks are smart enough to see a potential NPL companies way ahead. They will package it into a corporate bond with high yield (5% to 7%) sell it to private client as well as retail investors. Banks earn commission as well as their NPL is greatly reduce. So bank profit margin is protected. Many of our oil & gas companies & others default on their interest payment. Kris energy, Ezra , Ezion , Nam Cheong etc etc



    5. Property loan
    During the 1997 crisis, Banks were hit by ppty mortgage loan (mostly 80% LTV) . Many foreigners "run away" & default it. But now, foreigner property investors have to put a higher cash down payment. S'porean ppty investors have to follow the TDSR guide line. The TDSR limits the amount individuals can spend on monthly mortgage debt repayments, based on a percentage of their gross monthly income. So NPL is also at a min.



    6. Banks have been aggressively into wealth mgmt. which is one of the very profitable sector. Banks give a lot of incentive to encourage leveraging + trading (old habit dies hard). Banks never learn from the 2008/2009 US financial crisis. The banks are well protected but not the ignorant investors.


    7. Warren Buffett (net worth US$87 billion) is one of the most successful investors of all time. 50% of his holding are banks stock.


    8. The US financial crisis (2008) was primarily caused by deregulation (the removal of regulations or restrictions) in the financial industry. Banks engage in hedge fund trading with high risk derivatives. It pushed the world’s banking system towards the edge of collapse.


    Basel III is an internationally agreed set of measures developed by the Basel Committee on Banking Supervision in response to the financial crisis of 2007-09. It will make banks more resilient and restore confidence in banking systems.


    Contingent convertibles, also known as CoCos help banks meet Basel III capital requirements. Many SG banks have issued record Coco bonds with a deferred payment & loss absorption (capable of absorbing losses in the event that a bank is unable to support itself in the private market). Loss absorption mean your COCO bonds can be zero only in extreme cases.

    So banks are also more resilient if another crisis comes.


    9. My friend’s brother-in-law bought DBS shares at the DOT.COM period in 1999 at $28(wrong entry timing) .
    19 yrs later, it reached S$30 in May18 . He should has a capital gain as DBS has 2 right issued at below $15 a few years ago + yearly dividend payout since 1999.



    10. My reservist mate told me that he find quite strange when his neighbour (one of the director) told him not to subscribe his company IPO . An IPO for a company is to grow and expand his biz. From a high of $0.80 (my god ! CPF approved stock). Today is 0.005 cents. Many CPF approved penny stock drop > 90%. So never buy penny stock. Only banks stock as one of your long term holding collecting dividend.


    11. Insurance companies & fund mgr must have top holdings are always bank.


    12. Consumerism - Credit card, car loan , furniture loan etc.


    Let keep investment simple. Greed investing kills just like speeding on the road which will eventually kill you .Never touch speculative stock especially small cap. Don’t trade too often as it will be a waste of time due to your own human emotional weakness.


    I remember very clearly when my friend told me that his brother in law bought 3 lots DBS @$28 in 1999 for long term holding. It was the time of Dot com (late 1999 to 2000) period where most of the stock especially Tech stock went up sky high. Creative was $60 (now $4+) & Chart semi Con was $16 (de-listed).

    After the Sept 2001 (Terrorist attack in New York tower), DBS crashed to $7+. Twenty years later (1999 to 2019), It climbed back to $28 (today).If he did not sell & kept to his commitment of holding long term for bank stock. He should be making good Profit as DBS did has a few right issue below $15 years back plus 20 yrs of dividend payout.


    I did bought DBS few time @$15 , @$19 and @$13.78 (2016). But I was trading the bank stock. So I never benefits a lot from the upside. I did also bought Bank of China & construction bank. Again I was trading. Past 15 yrs of dividend ave 5% to 7% plus upside in the stock despite many crisis like Sept 11 , Sar 2013 & Lehman2008, Greed crisis etc etc. It is a learning experience that I find trading is a totally waste of time unless you are one of the top 10% to 15% have the time & money to "burn" before you become a better traders investors.

  15. #765
    Join Date
    Jan 2011
    Posts
    1,081

    Default Re: STOCKS THREAD

    Quote Originally Posted by cbsh38584 View Post
    Peeping Tom type of investors.
    ===================
    If you are one of the peeping tom investors which keep monitor the stock movement regualrly. You are likely to get very emotional which will make emotional bad decision. The rice will never get cook if you keep open the LID to see whether it is cook.


    So good unit trust fund is one of the best Alternative investment for you. Buying into a unit trust can keep investors from falling into this TRAP (investor worst quality is GREED & impatient ) due to their weak emotional behavior. They (speculators) lie through rumour/speculation to get out to make us emotionally confused and hurt (huge financial loses) all of us through our own emotional stupidity, HERD INSTINCT, GREED & FEAR.

    In early Jan 19, my friend asked me which are the HK stock can buy (He has some USD currency) So I told him the top 10 stocks which Fund mgr must have stocks.
    Tencent , Ping Ann & construction Bank which he can hold for long term. So he bought Ping An insurance @HK$68+. He did not buy bank stock as he already has construction bank stock which he bought 12 yrs ago & still holding.

    Like many emotional investors , he keeps "PEEP" at the stock movement. I told him not to as his ability to hold long term will be affected. Then he attended UOB investment seminar. It paint a uncertainty future of a trade war between China/USA. The next day he sold @70+ according to my other friend. Today it is 90+.

  16. #766
    Join Date
    Jan 2011
    Posts
    1,081

    Default Re: STOCKS THREAD

    The next crisis- Global currency crisis ?
    ========================

    1987 Crisis (High inflation + high interest rate 12%)

    1997 Asian Financial crisis (Engineered by US)

    2008 US financial crisis (causes by Alan Greenspan low rate ?)

    2020 Covid19 Crisis - Worst crisis in their life time for sudden hundred millions become jobless workers all over the world.

    Next Crisis - Global currency crisis. Global monetary system collapse ? (when ?)



    US debt data - Printing of infinite USD dollars
    ---------------------------------------------------
    Reagan -1981(1 trillion) to 1989 (2.8 Trillion)

    George Bush - 1989 (2.8 Trillion) to 1993 (4.4 trillion)

    Bill Clinton - 1993 (4.4 Trillion) to 2001 (5.8 Trillion)

    George Bush Jr 2001 (5.8 Trillion) to 2009 ($11.9 Trillion)

    Obama - 2009 (11.9 Trillion) to 2017 (20 trillion)


    Trump - US debt is exploding because of Covid 19. Trump is becoming the king of debt. 25 Trillion debt now ? If he win the 2020 Nov election. US debt exploding beyond 30 Trillions easily.


    US to repay the debt ? - Over my dead body . Unless Pig can fly.


    My good friend mother has a goldsmith shop. In 2002, he brought together with me to his supplier to buy 1 kg of Gold bar at Ubi to melt it into gold jewellery. I remember it cost only $29k (gold price was 300).
    Today 1kg of gold bar probably cost >120k (gold price 1700).


    One year Fixed D was as low as 0.7% without promotion. Will it go below 0.2% to 0.3% next year ? Our liquid saving bank account interest rate is always 0.05%. It is as good as zero.


    Going to UOB gold counter to buy small amount of gold coin or bar (10g ). My last visit to UOB gold was in 2013. Buy as a insurance in case paper money collapse. World central bank are printing extronomical "toilet" paper money.


    FYI,The money in your Bank SDIC (insurance protection ) is 75k.
    In the event a Deposit Insurance (DI) Scheme member bank or finance company fails, all of your insured deposits with that member are aggregated and insured up to S$75,000 by the Singapore Deposit Insurance Corporation Limited (SDIC). Insured deposits held in trust and client accounts held by non-bank depositors are insured up to S$75,000 per account. Never say never it will not happen.

  17. #767
    Join Date
    Jan 2011
    Posts
    1,081

    Default Re: STOCKS THREAD

    Peeping Tom type of investors
    ========================
    If you are one of the peeping tom investors which keep monitor the stock movement regularly. U are 100% likely to get very emotional which will eventually make emotional bad decision. It is like when you PEEP, the rice will never get cook if you keep open (PEEP) the LID to see whether it is cook.



    So good unit trust fund is one of the best Alternative investment for you. Buying into a unit trust can keep investors from falling into this TRAP (investor worst quality is GREED & impatient ) due to their weak emotional behavior. They (speculators) lie through rumour/speculation to get out to make us emotionally confused and hurt (huge financial loses) all of us through our own emotional stupidity, HERD INSTINCT, GREED , FEAR etc


    A very emotional investor will be more fearful buying individual stock during the " extreme fearful" time.So it will be better buying unit trust (diversify risk) rather than buying individual stock (concentration risk).

    A successful trader or investor is judge by his ability to CUT LOSS if his trade turn BAD or due to disruption technologies like Singtel, SPH etc

    Below are a few of the unit trust that I have bought before. It is a good fund. But now I dont have any of this equity fund as I am concentrating more on corp bond. My recent buy HSBC HY bond unit trust fund (coupon 5-6%) as I no longer want to buy individual HY (junk bond) USD corp bond which is of a single high concentration risk for US$200k per lot.

    The smart trader or investor make money but a WISE trader or investor make the most. The WISE investor will lock in part of his profit & move to a more safer asset like Gold, real estate etc. For me , I lock my part of my bond profit into my family CPF including myself (1st priority) . Reduce my mortgage loan & pay off my car loan.




    Schroder Asian growth fund = Risk 8 (high) (CPF OA , SRS & Cash)
    ====================================================
    Top holding = Alibaba , Tencent, AIA HK, Taiwan TSMC , HDFC bank , Samsung etc

    Historical dividend = 2016 = 10cts , 2015=10 cts 2014=0.115 cts .
    Dec13 price = 2.65
    May15 price = 3.05
    Nov16 price = 2.77 - Dividend payout = 11 cts

    Mar17 price = 3.06 - Dividend payout = 14.6cts

    July18 price = 3.68 - Dividend payout = 0.0447 (half year payout)
    DEC18 price = 3.24 -Dividend payout = 0.0066 (9 mths payout - Last Q payout est 0.021..)

    25th Mar19 = 3.49 (5 months later. It is up by 12%)
    9th Sept 20 = 3.90 ( 18 mths later . It is up by 11%)





    1st state dividend fund USD - Risk 8 (high) ( CPF OA , SRS CASH)
    ===============================================
    Top holding = OCBC , Taiwan TSMC , Midea group , AIA etc

    Historical dividend = 2016 = 6.3cts , 2015=6.6 cts 2014=5.85 cts 2013= 5.5 cts...
    May 12 price = 1.188
    Dec13 price = 1.40
    May15 price = 1.71 Dividend payout FY15 = 0.047 cts
    Nov16 price = 1.58 Dividend payout FY16 = 0.046 cts
    Mar17 price = 1.68 Dividend payout FY17 =0.052 cts
    July18 price = 1.40 Dividend payout half year = 0.0388
    Dec18 price = 1.77 Dividend payout 8 months = 0.058 (last payout in end Dec18 est 0.019..)

    25th Mar19 = 1.87 (5 months later. It is up by 8.8%
    9th Sept 20 = 1.989 (18 mths later . It is up by 1.97% excluding dividend payout ave 3% /yr





    AIA regional equities fund - Risk high - CPF OA, cash & SRS
    =====================================
    Top holding = Alibaba , Tencent, China mobile , Samsung ,UOB , HDFC bank , Taiwan TSMC , AIA HK

    Jan 1998 - 0.79 (Asia Financial crisis in 1998)
    Mar 2009 - 2.40 (US Financial crisis in 2009 )
    28th Oct 18 - 5.72 (Strait time front page news - ASIAN mkt sell off )

    25th Mar 19 - 6.50 (5 months later. It is up by 13%)
    9th Sept 20 - 7.67 ( 18 ths later. It is up by by 6.67%)






    Aberdeen Pacific Equity Fund SGD - Cash,CPF-OA, SRS
    ===================================
    Feb 14 = $4.5
    July17 = $5.92
    July18 =$5.95
    Dec 18 = $5.47

    9th Sept 2020 = 6.82 (21 mths later. It is up by 5.82%)

  18. #768
    Join Date
    Jan 2011
    Posts
    1,081

    Default Re: STOCKS THREAD

    Quote Originally Posted by cbsh38584 View Post
    Peeping Tom type of investors
    ========================
    If you are one of the peeping tom investors which keep monitor the stock movement regularly. U are 100% likely to get very emotional which will eventually make emotional bad decision. It is like when you PEEP, the rice will never get cook if you keep open (PEEP) the LID to see whether it is cook.



    So good unit trust fund is one of the best Alternative investment for you. Buying into a unit trust can keep investors from falling into this TRAP (investor worst quality is GREED & impatient ) due to their weak emotional behavior. They (speculators) lie through rumour/speculation to get out to make us emotionally confused and hurt (huge financial loses) all of us through our own emotional stupidity, HERD INSTINCT, GREED , FEAR etc


    A very emotional investor will be more fearful buying individual stock during the " extreme fearful" time.So it will be better buying unit trust (diversify risk) rather than buying individual stock (concentration risk).

    A successful trader or investor is judge by his ability to CUT LOSS if his trade turn BAD or due to disruption technologies like Singtel, SPH etc

    Below are a few of the unit trust that I have bought before. It is a good fund. But now I dont have any of this equity fund as I am concentrating more on corp bond. My recent buy HSBC HY bond unit trust fund (coupon 5-6%) as I no longer want to buy individual HY (junk bond) USD corp bond which is of a single high concentration risk for US$200k per lot.

    The smart trader or investor make money but a WISE trader or investor make the most. The WISE investor will lock in part of his profit & move to a more safer asset like Gold, real estate etc. For me , I lock my part of my bond profit into my family CPF including myself (1st priority) . Reduce my mortgage loan & pay off my car loan.




    Schroder Asian growth fund = Risk 8 (high) (CPF OA , SRS & Cash)
    ====================================================
    Top holding = Alibaba , Tencent, AIA HK, Taiwan TSMC , HDFC bank , Samsung etc

    Historical dividend = 2016 = 10cts , 2015=10 cts 2014=0.115 cts .
    Dec13 price = 2.65
    May15 price = 3.05
    Nov16 price = 2.77 - Dividend payout = 11 cts

    Mar17 price = 3.06 - Dividend payout = 14.6cts

    July18 price = 3.68 - Dividend payout = 0.0447 (half year payout)
    DEC18 price = 3.24 -Dividend payout = 0.0066 (9 mths payout - Last Q payout est 0.021..)

    25th Mar19 = 3.49 (5 months later. It is up by 12%)
    9th Sept 20 = 3.90 ( 18 mths later . It is up by 11%)





    1st state dividend fund USD - Risk 8 (high) ( CPF OA , SRS CASH)
    ===============================================
    Top holding = OCBC , Taiwan TSMC , Midea group , AIA etc

    Historical dividend = 2016 = 6.3cts , 2015=6.6 cts 2014=5.85 cts 2013= 5.5 cts...
    May 12 price = 1.188
    Dec13 price = 1.40
    May15 price = 1.71 Dividend payout FY15 = 0.047 cts
    Nov16 price = 1.58 Dividend payout FY16 = 0.046 cts
    Mar17 price = 1.68 Dividend payout FY17 =0.052 cts
    July18 price = 1.40 Dividend payout half year = 0.0388
    Dec18 price = 1.77 Dividend payout 8 months = 0.058 (last payout in end Dec18 est 0.019..)

    25th Mar19 = 1.87 (5 months later. It is up by 8.8%
    9th Sept 20 = 1.989 (18 mths later . It is up by 1.97% excluding dividend payout ave 3% /yr





    AIA regional equities fund - Risk high - CPF OA, cash & SRS
    =====================================
    Top holding = Alibaba , Tencent, China mobile , Samsung ,UOB , HDFC bank , Taiwan TSMC , AIA HK

    Jan 1998 - 0.79 (Asia Financial crisis in 1998)
    Mar 2009 - 2.40 (US Financial crisis in 2009 )
    28th Oct 18 - 5.72 (Strait time front page news - ASIAN mkt sell off )

    25th Mar 19 - 6.50 (5 months later. It is up by 13%)
    9th Sept 20 - 7.67 ( 18 ths later. It is up by by 6.67%)






    Aberdeen Pacific Equity Fund SGD - Cash,CPF-OA, SRS
    ===================================
    Feb 14 = $4.5
    July17 = $5.92
    July18 =$5.95
    Dec 18 = $5.47

    9th Sept 2020 = 6.82 (21 mths later. It is up by 5.82%)


    不见棺材不落泪 . literally not to shed a tear until one sees the coffin. Refuse to be convinced until one is faced with grim reality.



  19. #769
    Join Date
    Jun 2009
    Location
    Southbank
    Posts
    9,531

    Default Re: STOCKS THREAD

    No Worry MAS printing money.
    The Best Time to buy Property is Yesterday.
    If you lose Money it because you sell on a wrong Day.

    https://wa.me/6587821025

    https://r057844h.propnex.net/

    You don't Buy others will Buy.
    You don't Sell, others will Sell.

  20. #770
    Join Date
    Jan 2011
    Posts
    1,081

    Default Re: STOCKS THREAD

    [QUOTE=cbsh38584;543730]不见棺材不落泪 . literally not to shed a tear until one sees the coffin. Refuse to be convinced until one is faced with grim reality.




    My wife started investing 10 yrs ago (2010). It was a terrible experience for her. Losing $10k + paper loss (Red chip bank stock) make her life quite miserable (sleepless nite). I told her bank stock is ok if hold long term. The stock recovered to her purchase price & she immediately sell it off. But the bank stock move even higher & regretted sell TOO early. She vowed not to play stock anymore as she cannot take the losses.

    But 10 yrs later (2020), she is back & probably she think she is now more matured. She think she can beat the 4%. But she dont know "A leopard never changes it spots" 豹永远不会改变它的斑点. She is still the same as 10 yrs ago when come to investing. Emotionally unstable.

    The extremely low interest rate is creating a bigger blackhole. Many people include my wife start to trade equity. I told her NOT TO TRADE. . She has the same emotional weakness as most of the investors. GREED , Fear, Revenge (ave down) , unable to take pain & cut loss too late, buy base on rumour (stock already high) , "Peeping TOM" regularly at her computer screen which make her more emotional unstable.

    She refused to listen to my advise . But I dont think she will lose alot as she buy only RED chip & with capital only $40k (initally). Today, she realised & shock that she has invested almost 70k without knowing. She has the intention to trim down to a reasonable level she is comfortable with. She told me initially make 8k when she started her investing 4 mths ago. Now but to Square one after trading for 4 mths. Today probably paper loss 1-2k.


    I TOLD my wife that she has to PROTECT her HARD EARNED PROFIT accumulated for the past 10 year. If she is not careful & greedy. It can be gone within months. Luckily I am able to convince her to lock in 50k into her CPF SA 3 yrs ago. She gives me 30k to help her to invest in 2018. I bought Phillip ETF bond (safe & sound - coupon 3%) for her in 2018 during IPO. I sold off @1.061 recently & make est 2.5k. I switch to HK Land @US$3.68 & 2 lots of SIA @ 3.68 at her request. Once it reaches my target price. I will eventually sell it off & switch to her "CPF". I must do it as early as possible.


    I told my wife to remember this Chinese proverb. . 不见棺材不落泪 . literally not to shed a tear until one sees the coffin. Refuse to be convinced until one is faced with grim reality.

    豹永远不会改变它的斑点豹永远不会改变它的斑点

  21. #771
    Join Date
    Feb 2009
    Location
    峨眉山
    Posts
    5,512

    Default Re: STOCKS THREAD

    豹永远不会改变它的斑点 -> I absolutely cannot agree more with you on this!

    Not just in investing, in various aspects of life and the way people handle various affairs and aspects of life.

    I guess formation years and prior to adulthood stages of life is so very important in shaping one's character.

    [QUOTE=cbsh38584;543736]
    Quote Originally Posted by cbsh38584 View Post
    不见棺材不落泪 . literally not to shed a tear until one sees the coffin. Refuse to be convinced until one is faced with grim reality.




    My wife started investing 10 yrs ago (2010). It was a terrible experience for her. Losing $10k + paper loss (Red chip bank stock) make her life quite miserable (sleepless nite). I told her bank stock is ok if hold long term. The stock recovered to her purchase price & she immediately sell it off. But the bank stock move even higher & regretted sell TOO early. She vowed not to play stock anymore as she cannot take the losses.

    But 10 yrs later (2020), she is back & probably she think she is now more matured. She think she can beat the 4%. But she dont know "A leopard never changes it spots" 豹永远不会改变它的斑点. She is still the same as 10 yrs ago when come to investing. Emotionally unstable.

    The extremely low interest rate is creating a bigger blackhole. Many people include my wife start to trade equity. I told her NOT TO TRADE. . She has the same emotional weakness as most of the investors. GREED , Fear, Revenge (ave down) , unable to take pain & cut loss too late, buy base on rumour (stock already high) , "Peeping TOM" regularly at her computer screen which make her more emotional unstable.

    She refused to listen to my advise . But I dont think she will lose alot as she buy only RED chip & with capital only $40k (initally). Today, she realised & shock that she has invested almost 70k without knowing. She has the intention to trim down to a reasonable level she is comfortable with. She told me initially make 8k when she started her investing 4 mths ago. Now but to Square one after trading for 4 mths. Today probably paper loss 1-2k.


    I TOLD my wife that she has to PROTECT her HARD EARNED PROFIT accumulated for the past 10 year. If she is not careful & greedy. It can be gone within months. Luckily I am able to convince her to lock in 50k into her CPF SA 3 yrs ago. She gives me 30k to help her to invest in 2018. I bought Phillip ETF bond (safe & sound - coupon 3%) for her in 2018 during IPO. I sold off @1.061 recently & make est 2.5k. I switch to HK Land @US$3.68 & 2 lots of SIA @ 3.68 at her request. Once it reaches my target price. I will eventually sell it off & switch to her "CPF". I must do it as early as possible.


    I told my wife to remember this Chinese proverb. . 不见棺材不落泪 . literally not to shed a tear until one sees the coffin. Refuse to be convinced until one is faced with grim reality.

    豹永远不会改变它的斑点豹永远不会改变它的斑点
    click: 🏢shoeboxmickeymousehouse 🏢

  22. #772
    Join Date
    Jan 2011
    Posts
    1,081

    Default Re: STOCKS THREAD

    [QUOTE=cbsh38584;543736]
    Quote Originally Posted by cbsh38584 View Post
    不见棺材不落泪 . literally not to shed a tear until one sees the coffin. Refuse to be convinced until one is faced with grim reality.




    My wife started investing 10 yrs ago (2010). It was a terrible experience for her. Losing $10k + paper loss (Red chip bank stock) make her life quite miserable (sleepless nite). I told her bank stock is ok if hold long term. The stock recovered to her purchase price & she immediately sell it off. But the bank stock move even higher & regretted sell TOO early. She vowed not to play stock anymore as she cannot take the losses.

    But 10 yrs later (2020), she is back & probably she think she is now more matured. She think she can beat the 4%. But she dont know "A leopard never changes it spots" 豹永远不会改变它的斑点. She is still the same as 10 yrs ago when come to investing. Emotionally unstable.

    The extremely low interest rate is creating a bigger blackhole. Many people include my wife start to trade equity. I told her NOT TO TRADE. . She has the same emotional weakness as most of the investors. GREED , Fear, Revenge (ave down) , unable to take pain & cut loss too late, buy base on rumour (stock already high) , "Peeping TOM" regularly at her computer screen which make her more emotional unstable.

    She refused to listen to my advise . But I dont think she will lose alot as she buy only RED chip & with capital only $40k (initally). Today, she realised & shock that she has invested almost 70k without knowing. She has the intention to trim down to a reasonable level she is comfortable with. She told me initially make 8k when she started her investing 4 mths ago. Now but to Square one after trading for 4 mths. Today probably paper loss 1-2k.


    I TOLD my wife that she has to PROTECT her HARD EARNED PROFIT accumulated for the past 10 year. If she is not careful & greedy. It can be gone within months. Luckily I am able to convince her to lock in 50k into her CPF SA 3 yrs ago. She gives me 30k to help her to invest in 2018. I bought Phillip ETF bond (safe & sound - coupon 3%) for her in 2018 during IPO. I sold off @1.061 recently & make est 2.5k. I switch to HK Land @US$3.68 & 2 lots of SIA @ 3.68 at her request. Once it reaches my target price. I will eventually sell it off & switch to her "CPF". I must do it as early as possible.


    I told my wife to remember this Chinese proverb. . 不见棺材不落泪 . literally not to shed a tear until one sees the coffin. Refuse to be convinced until one is faced with grim reality.

    豹永远不会改变它的斑点豹永远不会改变它的斑点


    My wife invested China stock , RED CHIP at the right time during the peak of Pandemic in Mar20. She made a real profits of $20K+ within 3 mths by trading in & out (Red chip only). Her confidence was boosted by her winning. So she pump in more into the stock mkt. From initial 30k+ to 70K. She is smart to buy one of her China tourism Travel stock @90 in Mar20. Sold@130. Today price is 200+.She wanted to bang her head against the wall for selling too early.

    She was trading TOO MUCH. I told not to trade in/out often & dont monitor the stock movement. She thinks that her current strategy work. I reminded her about the STOP LOSS strategy if she will to trade. Unfortunately, it is not the case after 7 mths of trading. Her 20k+ slowly reduced to a paper loss of a few K by end Oct20. If she told me she could have made 50K if did not sell away her initial good stock pick during Mar20, pandemic. For the 2nd time , she realized again that she is not suitable to trade in/out. The 1st time was in 2012. But human are forgetful. She made the same mistakes again for the 2nd time. All because of GREED. Luckily she is smart enough to avoid speculative Penny stock. But not wise enough to control her emotional which take years to build & learnt.

    If she is not careful, her 10 over years of hard earned money can be gone within mths. That is why I want to lock some of her profits into her CPF 2 years ago. She gave me 30k to help her invest to get a return of 3%+ in Aug18. So I bought NikkoAM ETF bond in Aug18. Recently sold off. Ann return 5% & switch to equity HK [email protected] & [email protected] (At her request). I am going to take profit (hopefully) next year & move to her CPF again in 2021.


    https://www.youtube.com/watch?v=PyeW...CWvk089wp1g9i4




    I've got the brains , you've got the " ridiculous cheap " money to speculate.
    Let's make lots of money

    ​

    I've got the brains, you've got connection link , the bank.
    Let's make lots of money


    I've got the brains. you've got the "super computer" to program to manipulate the stock market.
    Let's make lots of money.

    I've got the brains, brainwashed & trapped the GREED ones and
    Let's make lots of money.


  23. #773
    Join Date
    Jan 2021
    Posts
    21

    Default Re: STOCKS THREAD

    Investing experience of 50years old+ Man - Part II
    ========================================
    https://www.youtube.com/watch?v=jS9r1Dk-Zg8

    The stock market is “dangerous” especially for First-Time Investors due to constant manipulation. To profit from your investment, EQ matters more than IQ. Successful investing requires outstanding ability to identify and overcome one's own psychological weaknesses. 66% of investors who lose money regret emotional, impulsive investing decisions. So We are hardwired from birth to be lousy investors.

    A successful investors probably go through the 70-20-10 Model for Learning and Development.
    70% from on-the-JOB experiences experiential learning. No input is as vivid as long lasting as it own experience. So nothing teaches us better than our own experience.
    A well paid banker has the best opportunities on the job learning by trading for their HNW clients . Win or lose .They will get bonuses & a learning experience from clients success & failure. Their learning curve is shorten.

    20% from probably depends on communication with others and get feedback from others investors experience. Trainers who conduct investment talk & lesson got the best of both world. He gets to learn more by teaching & faster by observing other people failure and success.

    10% from reading books, attending course/seminar , watching good Utube about investment , fortunate teller book etc.
    The difference of a person’s fate is decided from what a person spends in his free time . Use these 2-3 hours to read, learn & think If you continue for several years, success will come knocking on your doors


    I am the Survival of 2 major crisis (1997 & 2008)
    =======================================
    A financial crisis started in Thailand in July 1997 and spread across all of Asia. At the height of the crisis, the Korean Airline with asset of 100 planes were left less than 3 planes

    The US financial crisis on Sept 2008 was a terrifying experience. Citigroup stock price dropped from $50 to $0.99. No lesson can be learnt as vivid as long lasting as it my own HARROWING experience.


    You MUST HAVE before before you start investing.
    =========================================
    Accidents and critical illnesses are one of the main factors that cause poverty. So insurance protection are the most important financial products you must buy as early as possible

    Have a emergency fund,6-12 mths allocated. It is a money set aside for expenses from unexpected events such as hospital bill or the financial burden from a sudden job loss .


    You MUST KNOW before you start investing.
    ====================================
    There is a record rise of the inexperience home trader hoping to boost their income. You need to know that entering the stock market full time is like signing a contract with the DEVIL (psychological weaknesses). "Two super-contagious diseases, fear and greed, will forever occur in our investment.

    Leveraging. Taking financial advice from a bank to leverage very high risk product is like getting medical advice from a drug dealer.


    My advice
    =======
    Make CPF your 1st priority plan for retirement.
    If at Age 30 SA=191k. At age 60, it will grow $622,000.

    CPF SA Compounded interest will run into $1millions as long as you are still working (contribute to CPF) till 60.

    http://www.moneychimp.com/.../compound_interest...


    Warren buffet – Follow true investment Guru
    ====================================
    There is s saying
    跟着百万, 赚十万
    跟着千万, 赚百万
    跟着亿万, 赚 千万

    YOU WILL NEVER GO WRONG IF BUY A BASEKT OF THE SAME STOCKS AS WARREN BUFFETT.BUT YOU NEED TO BE PATIENT & HAVE A LONG TERM HOLDING ABILITY (10-20 YEARS).
    You don't need to be a rocket scientist. Investing is not a game where the guy with the 160 IQ beats the guy with 100 IQ."


    Bungee jumping - Simple investment strategy
    =====================================
    Bungee jumping taught us a very important lesson:

    Initial stage is always extremely FEARFUL. After the JUMP. Your FEAR abate.

    There will be a big correction every 10-12 yrs there will big crisis (1987,1997,2008,2022,???). Always buy on fear or BLOOD in the street. When the newspaper front page news is "Stock mkt big correction" (once in a blue moon). Time to accumulate good stock. Buying stock at historical valuation.


    Cut Losses equate (consider to be the same) to drug Heroin
    ================================================
    So so Difficult To Cut Losses. The single most important reason that people lose money is that they don’t cut their losses short.

    20 years+ experienced traders in the market know the important of cutting loses fast.

    Many amateurs or new investors on the other hand have a difficult time with cutting their losses short. "Letting losses run is the most serious mistake made by most investors.”

    Never get yourself into the CUT losses situation while you are still a amateurs ON JOB INVESTING.
    1) Don’t put everything into one basket. Diversification is a protection against ignorance.

    2) Limit your size in any position so that your inability to cut loses is limited small loss.

    3) Buy dividend blue chip local bank stock, singtel , STI ETF index .
    Let say you bought [email protected]. It dropped to $2.50. At least you got to get yearly dividend of 3% to 5%. Sitting on Paper Loss and Riding it (hope it can go back $3.5) while you still collect dividend. Will be Less painful.

    4) Buy good unit trust with dividend 3-4% payout to avoid the stress of having to see your investment value go down by 30%.


    Avoid Penny stock - “Demon” (恶魔) Small Cap listed companies.
    ===================================================
    “Risk comes from not knowing what you’re doing.”

    Speculation is highly dangerous game especially Penny stocks because it is much easier for perpetuators to control & manipulate

    My reservist mate congratulated his neighbor for achieving a successful IPO but he was SHOCKED when he told him not to buy his company stock. From 0.7 drop to 0.01. Former MD was charged with misappropriating millions of company $.
    There are quite many of such cases.

    2013 penny stock crash has made at least half a dozen people bankrupt. Billions $ was wipe out.17 individual & institutional clients had 32 accts which were said to be used by the 2 accused to conduct unauthorised trades in the manipulation scheme.


    Be careful US/HK Tech stock - tech stock bubble in 2000 & 2020
    ====================================================
    The 2020 Tech bubble formed by cheap money, easy capital, market overconfidence, and pure speculation & manipulation.

    Bought US Celeritek 2000 shares @$14 (Year 1999). Within 6 mths. Shoot up $85. Luckily sold@$56 .After DOT.com tech burst. Drop to a few cents a few years later.

    Yahoo 1996 IPO@$12. Market open $33. Shoot up $400+in 2000. After dot com burst & few years later. Drop back to $30+.

    Limit your size in any position for Tech stock as it is very volatile. Eg. Alibaba (52wk High $300 - 52 low wks $108 ) dont pay dividend. Following the herd can be very dangerous for tech stock.
    If you bought at high price. U may need to wait for a few yrs or even 10 yrs to go up to your buy price without any dividend payout.


    So what I am from RI or Hwa chong ?
    ==============================
    Both are from RI & Hwa Chong. They have years of investing & making losses. They realize that The key to trading success is emotional discipline. EQ matters more than IQ.


    He (From RI - Sporean) has a IQ of the top 5% of Japanese engineer according to the Japanese MNC CEO. But he lost millions of dollars speculation in the stock mkt. He makes a wise decision to quit the stock mkt & concentrate in his biz.


    After he sold his company to a investor for >10 millions. He decided to go into fast making $ FX trading. Make A good decision to go UK to learn from the FX guru 1st. Spend 1 yrs+ in UK & return back to SG equip with the knowledge. After years of trading FX, he shake his head left & right. Not making any profit.

  24. #774
    Join Date
    Jan 2021
    Posts
    21

    Default Re: STOCKS THREAD

    Quote Originally Posted by vimtr888 View Post
    Investing experience of 50years old+ Man - Part II
    ========================================
    https://www.youtube.com/watch?v=jS9r1Dk-Zg8

    The stock market is “dangerous” especially for First-Time Investors due to constant manipulation. To profit from your investment, EQ matters more than IQ. Successful investing requires outstanding ability to identify and overcome one's own psychological weaknesses. 66% of investors who lose money regret emotional, impulsive investing decisions. So We are hardwired from birth to be lousy investors.

    A successful investors probably go through the 70-20-10 Model for Learning and Development.
    70% from on-the-JOB experiences experiential learning. No input is as vivid as long lasting as it own experience. So nothing teaches us better than our own experience.
    A well paid banker has the best opportunities on the job learning by trading for their HNW clients . Win or lose .They will get bonuses & a learning experience from clients success & failure. Their learning curve is shorten.

    20% from probably depends on communication with others and get feedback from others investors experience. Trainers who conduct investment talk & lesson got the best of both world. He gets to learn more by teaching & faster by observing other people failure and success.

    10% from reading books, attending course/seminar , watching good Utube about investment , fortunate teller book etc.
    The difference of a person’s fate is decided from what a person spends in his free time . Use these 2-3 hours to read, learn & think If you continue for several years, success will come knocking on your doors


    I am the Survival of 2 major crisis (1997 & 2008)
    =======================================
    A financial crisis started in Thailand in July 1997 and spread across all of Asia. At the height of the crisis, the Korean Airline with asset of 100 planes were left less than 3 planes

    The US financial crisis on Sept 2008 was a terrifying experience. Citigroup stock price dropped from $50 to $0.99. No lesson can be learnt as vivid as long lasting as it my own HARROWING experience.


    You MUST HAVE before before you start investing.
    =========================================
    Accidents and critical illnesses are one of the main factors that cause poverty. So insurance protection are the most important financial products you must buy as early as possible

    Have a emergency fund,6-12 mths allocated. It is a money set aside for expenses from unexpected events such as hospital bill or the financial burden from a sudden job loss .


    You MUST KNOW before you start investing.
    ====================================
    There is a record rise of the inexperience home trader hoping to boost their income. You need to know that entering the stock market full time is like signing a contract with the DEVIL (psychological weaknesses). "Two super-contagious diseases, fear and greed, will forever occur in our investment.

    Leveraging. Taking financial advice from a bank to leverage very high risk product is like getting medical advice from a drug dealer.


    My advice
    =======
    Make CPF your 1st priority plan for retirement.
    If at Age 30 SA=191k. At age 60, it will grow $622,000.

    CPF SA Compounded interest will run into $1millions as long as you are still working (contribute to CPF) till 60.

    http://www.moneychimp.com/.../compound_interest...


    Warren buffet – Follow true investment Guru
    ====================================
    There is s saying
    跟着百万, 赚十万
    跟着千万, 赚百万
    跟着亿万, 赚 千万

    YOU WILL NEVER GO WRONG IF BUY A BASEKT OF THE SAME STOCKS AS WARREN BUFFETT.BUT YOU NEED TO BE PATIENT & HAVE A LONG TERM HOLDING ABILITY (10-20 YEARS).
    You don't need to be a rocket scientist. Investing is not a game where the guy with the 160 IQ beats the guy with 100 IQ."


    Bungee jumping - Simple investment strategy
    =====================================
    Bungee jumping taught us a very important lesson:

    Initial stage is always extremely FEARFUL. After the JUMP. Your FEAR abate.

    There will be a big correction every 10-12 yrs there will big crisis (1987,1997,2008,2022,???). Always buy on fear or BLOOD in the street. When the newspaper front page news is "Stock mkt big correction" (once in a blue moon). Time to accumulate good stock. Buying stock at historical valuation.


    Cut Losses equate (consider to be the same) to drug Heroin
    ================================================
    So so Difficult To Cut Losses. The single most important reason that people lose money is that they don’t cut their losses short.

    20 years+ experienced traders in the market know the important of cutting loses fast.

    Many amateurs or new investors on the other hand have a difficult time with cutting their losses short. "Letting losses run is the most serious mistake made by most investors.”

    Never get yourself into the CUT losses situation while you are still a amateurs ON JOB INVESTING.
    1) Don’t put everything into one basket. Diversification is a protection against ignorance.

    2) Limit your size in any position so that your inability to cut loses is limited small loss.

    3) Buy dividend blue chip local bank stock, singtel , STI ETF index .
    Let say you bought [email protected]. It dropped to $2.50. At least you got to get yearly dividend of 3% to 5%. Sitting on Paper Loss and Riding it (hope it can go back $3.5) while you still collect dividend. Will be Less painful.

    4) Buy good unit trust with dividend 3-4% payout to avoid the stress of having to see your investment value go down by 30%.


    Avoid Penny stock - “Demon” (恶魔) Small Cap listed companies.
    ===================================================
    “Risk comes from not knowing what you’re doing.”

    Speculation is highly dangerous game especially Penny stocks because it is much easier for perpetuators to control & manipulate

    My reservist mate congratulated his neighbor for achieving a successful IPO but he was SHOCKED when he told him not to buy his company stock. From 0.7 drop to 0.01. Former MD was charged with misappropriating millions of company $.
    There are quite many of such cases.

    2013 penny stock crash has made at least half a dozen people bankrupt. Billions $ was wipe out.17 individual & institutional clients had 32 accts which were said to be used by the 2 accused to conduct unauthorised trades in the manipulation scheme.


    Be careful US/HK Tech stock - tech stock bubble in 2000 & 2020
    ====================================================
    The 2020 Tech bubble formed by cheap money, easy capital, market overconfidence, and pure speculation & manipulation.

    Bought US Celeritek 2000 shares @$14 (Year 1999). Within 6 mths. Shoot up $85. Luckily sold@$56 .After DOT.com tech burst. Drop to a few cents a few years later.

    Yahoo 1996 IPO@$12. Market open $33. Shoot up $400+in 2000. After dot com burst & few years later. Drop back to $30+.

    Limit your size in any position for Tech stock as it is very volatile. Eg. Alibaba (52wk High $300 - 52 low wks $108 ) dont pay dividend. Following the herd can be very dangerous for tech stock.
    If you bought at high price. U may need to wait for a few yrs or even 10 yrs to go up to your buy price without any dividend payout.


    So what I am from RI or Hwa chong ?
    ==============================
    Both are from RI & Hwa Chong. They have years of investing & making losses. They realize that The key to trading success is emotional discipline. EQ matters more than IQ.


    He (From RI - Sporean) has a IQ of the top 5% of Japanese engineer according to the Japanese MNC CEO. But he lost millions of dollars speculation in the stock mkt. He makes a wise decision to quit the stock mkt & concentrate in his biz.


    After he sold his company to a investor for >10 millions. He decided to go into fast making $ FX trading. Make A good decision to go UK to learn from the FX guru 1st. Spend 1 yrs+ in UK & return back to SG equip with the knowledge. After years of trading FX, he shake his head left & right. Not making any profit.
    I have gone through & experience the DOT COM BOOM & Burst in 1999/2000. The 1997/98 Asia Financial & the 2008/09 US financial crisis. I survived. It was the US financial crisis 2008/2009 that really woken me that the US financial hegemony had the abilities to create one after another crisis Boom & burst crisis with their unlimited amount of USD printing machine. I became a Self volunteer "Mr CPF" to inform all my friends , colleagues , relatives ,strangers etc the important of CPF since 2009. Topping up & transferring from OA to SA always No1 priority . Our total interest earned from CPF est $50k/yr for a families of 4+ my father & will continue to grow. I will continue to pump into CPF from my investment that I make. I will not reinvestment in stock & equites

    After the 2008/09 crisis, I switched into Corporate bond trading with leveraging. From 2011 to 2021 buying High yield bond. like China developer. I have many sleepless nite buying high risk bond like Evergrande (2012) Olam (2012) , Agile deverloper etc. One of my Indonesia corporate defaulted in 2015.etc. Nett nett I still make quite a reasonable good amt of money . I can say that I am very lucky in the last 10 years of trading bond & managed to learn from it & profited . In 2019, I totally stop buying high risk HY bond as I do not want many sleepless nite which I had for the last many yrs. The recently Sovereign bond like Sri lanka , Ukriane, Russia etc , china developer bond & emerging bond (like Russian corporate) crashed is a eye opener for me as a bond investors due to Covid19 pandemic & US /China war & Russia/Ukraine conflict.


    Always remember. When comes to investment. You are dealing with the "DEVIL - emotional". Do you have the abilities to fight against the "DEVIL - emotional". Most people are unable to. When the market turn bad. You need to cut losses. But it is emotionally (DEVIL) damn very difficult. It is like a drug addiction. Damn difficult to kick the addiction. Need years of experience to know the important of cutting losses to preserve your capital. U need to know it is the most most important thing if majority of your investment are into stock & share. CPF is like a angel which help you to face the DEVIL - emotional.


    American Top elites are Very "Thick face Black heart" biz man. They use economic sanction under Financial Hegemony for those against US . Quoted . "My enemies are your enemies". If you do not go against my enemies, you become my enemies & I will sanction U.
    USA has "Open their CARD".They no longer hide their intention to bring down China to its knee. USA is telling Asia that my "enemies are your enemies" If you dont go against my enemies, you become my enemies. "Whoever is not with Me is against Me, Sooner or later, I will sanction you.

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