Category Archives: Z-INVESTMENTS

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

Posted in Hyflux, Z-FINANCIAL EDUCATION, Z-INVESTMENTS, Z-Personal Finance | Tagged , , | Leave a comment

Be prepared to lose some money in our investments

I would have considered myself financial and investment savvy. But still, in our journey, there is still a possibility of losing some hard-earned money. The most recent case was in Hyflux. It was Hyflux’s first retail tranche, 2011 6% CPS. … Continue reading

Posted in Hyflux, Z-FINANCIAL EDUCATION, Z-INVESTMENTS | Tagged , , , | Leave a comment

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

Posted in Hyflux, Z-FINANCIAL EDUCATION, Z-INVESTMENTS, Z-Personal Finance | Tagged , , | Leave a comment

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

Posted in DBS, Jardine C&C, Z-FINANCIAL EDUCATION, Z-INVESTMENTS, Z-Personal Finance | Tagged , , , , | Leave a comment

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

Posted in Z-FINANCIAL EDUCATION, Z-INVESTMENTS, Z-Personal Finance, Z-STOCK INDICES | Tagged , , , | Leave a comment

Are we over yet?

Just two days ago, the FED raised the interest rate by 25 basis points to 2.5%. Going into year 2019, it is expected that there will be another two more hikes. In a scenario when global stock markets have already … Continue reading

Posted in Z-FINANCIAL EDUCATION, Z-INVESTMENTS, Z-STOCK INDICES | Tagged , , | Leave a comment

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

Posted in Z-FINANCIAL EDUCATION, Z-INVESTMENTS, Z-Personal Finance | Tagged | Leave a comment

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

Posted in DBS, Z-FINANCIAL EDUCATION, Z-INVESTMENTS, Z-Personal Finance, Z-STOCK INDICES | Tagged , , , | Leave a comment

Isn’t this similar to the 90s?

The spate of events that happened in the last six months reminded me of what we had experienced in the 90s. More than 20 years have zoomed passed us and how many of us remember those events that had taken … Continue reading

Posted in YZ-PROPERTIES, Z-FINANCIAL EDUCATION, Z-INVESTMENTS, Z-STOCK INDICES | Tagged , , , , | Leave a comment

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

Posted in Hyflux, Z-INVESTMENTS, Z-Personal Finance | Tagged , , , | Leave a comment