Tag Archives: personal finance

Buy-and-hold strategy does not mean buy and don’t sell

For those who may not know, buy and hold strategy is a proven strategy and is used by long-term investors in hope to benefit from the capital appreciation of the component stocks in a portfolio. It is often associated with … Continue reading

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Look at each stakeholder’s perspective

Every month, when I receive my credit card bills, I would almost immediately go to the internet and post-date the payment to 1-2 days before date due, and make sure that the bill is paid in full. As far as … Continue reading

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

Companies that are not worth investing

In the last post, I had promised to make a post on how to look for negative companies, that is, companies that are not worth to invest in. Generally, it takes some time to know the management and learn their management … Continue reading

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The real cost of averaging down

“I do not like to lose”. Joseph Schooling who recently won an Olympic gold medal for Singapore mentioned this, possibly several times, during interviews. In fact, nobody likes to lose. Whether we are in school, at work, in games or … Continue reading

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ST article – Over 4 out of 10 have not saved for retirement (1st May 2016)

I came across this article on the Sunday Times, 1st May yesterday. It was a poll made by insurer, Aviva entitled “Over 4 in 10 not saved for retirement”. One column that caught my attention was “Wish someone else sort … Continue reading

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Cash is king? You think so?

“Cash is king” – we almost always read or hear about this catch phrase especially during times of extreme uncertainties. But then we ask ourselves, can cash really be the king perpetually? Certainly, we all know that the answer is … Continue reading

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The cost of procrastination

Anyone who had read articles or books on investments or had attended talks on investments would definitely come across the diagram, Figure 1. In a very basic form, it is just a line graph that curves exponentially upwards. The most … Continue reading

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Remember that money is made when we buy during pessimism

In the last few months, the stocks markets in many regions were reeling down from their highs around April. Several months have passed and many investors seemed to have distanced themselves from the stock market. Some even vowed not to … Continue reading

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If this stock market turmoil ends up in a liquidity crunch, do you know what the banks will do?

During the times when there is liquidity crunch, such as now when there is an impending interest rate hike in US or when there is a  stock market rout in the region, what is the most important thing for the banks? Yes, … Continue reading

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

Big funds are moving away from stock markets

Yes, it is confirmed. Funds are moving out of emerging market and the results have not been pretty. After two weeks of punitive sell-out, most of the indices have either gone below the year opening level or expected to move towards that. With the … Continue reading

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