Category Archives: Z-Personal Finance

Buy and hold? No, it should be sell and buy back later

Historically, the month of February is the when financial results of those companies whose Financial Year (FY) ends in December release their FY results. Then at around the 2nd half of April, it is when companies start holding annual general … Continue reading

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Financial questions regarding Hyflux debts?

I chanced upon the article on “Hyflux story so far” in BT Weekend, 23-24 March 2019. Given that it had listed the debts raised in the past years, I decided to compile them into a timeline in hope to have … Continue reading

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Who are the winners and losers from the Hyflux saga?

By now, we all know that unsecured bond holders, preference shareholders and ordinary shareholders have to once again take a deep, deep haircut following Hyflux’s re-structuring plan. The proposal (see table below) is still subject to final approval through townhall … Continue reading

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All about brokerage charges

Let’s face it. Over the years, technology has taken toll on many middle functions. Stock broking is no exception. It is no longer the, once-upon-a-time lucrative high-profile business. Commission rates offered by brokerage houses are so competitive that there are … Continue reading

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Don’t make the same mistake that I made 2 decades ago

For the calendar year 2018, the Straits Times Index (STI) retreated from 3400.91 at the close of Year 2017 to 3068.76 at the close of Year 2018. The absolute fall for the calendar year 2018 was more than 10%. It … Continue reading

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The importance of financial goals

Until a few days ago, stock investment has been extremely daunting. For several months, the stock market has been relatively unidirectional – downwards! Even with the run-up in the last few days, the stock market still lost more than 10% … Continue reading

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Ten years after the fall of Lehman Brother

Today marks the 10th anniversary when Lehman Brothers fell into bankruptcy on 15 September 2008. Despite the on-going tariff war between the US and China, there is a general sea of calmness in the major stock exchanges all over the … Continue reading

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Hyflux: Some financial lessons

The timeline on 25 April 2018 has already passed us for more than a month. By now, the holders of the preference share, entitled Hyflux 6% CPS, have resigned to the fact that the preference shares would not be redeemed. … Continue reading

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Portfolio building: Should we start with dividend or growth stocks

Abstract – In a dialogue with a student, he asked me whether he should start off with growth stocks or dividend stocks if he plans to build a portfolio. This, obviously was not a do-or-die situation, because building a portfolio … Continue reading

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Reading too much into news & Wall Street movement can derail our financial plan

Very often we try to check the Wall Street movement and the futures to have an idea of what is likely to happen in the local stock market at the start of the trading day. After all, the Wall Street … Continue reading

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