Investment Moats
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Investment Moats shows how you can build wealth through stock market investing, dividend income investing through a value based approach. Kyith Ng is the founder of Investment Moats, which mentors you on wealth management towards Financial Independence.
Investment Moats
9h ago
My colleagues Mike and Eddy wrote this E-book called InsureWell for Smart Accumulators to help enlighten Singaporeans about their insurance protection.
You can download the E-book here.
You would need to leave your name and email address before you can download.
The book was ready some time ago, but I decided to share it here today because, coincidentally, I got some private messages or questions about whether:
Are they adequately insured against XXX?
Should they get this policy that their adviser recommends to them?
How much should they insure against YYYY?
Now… these questions came about ..read more
Investment Moats
1d ago
Last weekend, I came across two pieces of research that talk about style factors in relation to recession and bear markets, which sounds interesting to me.
The first report from First Eagle reflects upon their investment management in 2023 and covers economics, market valuation, small cap, private debt, housing. The second report is written by Morgan Stanley about Equity “Compounders” in a European investing context.
Both reports provide insights on the timing of style factors or how well style factors are impacted by economic cycle changes.
I thought I would go through some charts that might ..read more
Investment Moats
4d ago
In the past month, as part of the CPF policy changes, I have been making some changes to incorporate the new policy changes but also looking at whether some improvements can be made to our internal CPF Projector.
The most challenging part is to estimate the CPF LIFE Standard income that we may get given a certain amount of money we successfully accumulated in our CPF LIFE.
We all had to rely on the CPF LIFE Estimator to see the projected income. The estimator only works for those who are turning 55 years old recently, and if we are much younger, the estimator doesn’t work.
I decide to tabulate ..read more
Investment Moats
1w ago
A Singapore Treasury Bill issue (BS24106W) will be auctioned on Wednesday, 27 March 2024.
If you wish to subscribe successfully, get your order via Internet banking (Cash, SRS, CPF-OA, CPF-SA) or in person (CPF) by 26th March.
You can view the details at MAS here.
In the past, I have shared with you the virtues of the Singapore T-bills, their ideal uses, and how to subscribe to them here: How to Buy Singapore 6-Month Treasury Bills (T-Bills) or 1-Year SGS Bonds.
The Tbill cut-off yield in the last auction is 3.78%.
If you select a non-competitive bid, you may be pro-rated the amount you ..read more
Investment Moats
1w ago
Two months ago, I wrote 2 solutions to fix the most recent Yahoo Stock Price break in my Free Google Stock Portfolio Tracker to update readers on solutions to auto-update the stock prices of their investment portfolio tracker.
One of the solution is to try other platforms instead of Yahoo and I recommended getting the price data from Financial Times.
Personally, I have implemented my Financial Times solution because there is a wide database of securities that I would have price access to.
Financial Times is probably a good site if you have invested in a lot of funds such as the Dimensional Fun ..read more
Investment Moats
1w ago
This article is less about investing.
If you are here for some investing article, perhaps it is best to click away.
I am one of the uncommon weird Singaporeans who would do some of my shopping on Shopee locally and Alibaba’s AliExpress. AliExpress is known more as Alibaba’s front for international shoppers and the things sold there is not as cheap as what is on Taobao.
But I enjoy shopping there due to the overall experience I have gotten there over the years:
Payments are a breeze with our credit cards.
A large number of things are offered. There are things that I cannot find in Singapore th ..read more
Investment Moats
1w ago
The concept of the safe withdrawal rate (SWR for short) framework is something that I find challenging to explain to my readers, friends, and co-workers. To get them to understand is equally difficult. Getting them to accept, which means to relegate their existing income strategy to a lower importance, is even more difficult.
I had this lively debate with someone regarding how important is asset allocation in our income strategy.
My exact words:
“Asset allocation doesn’t matter at all.”
That is probably taking things a little too super far.
Whether we put in cash, or bonds, or equity, or a dif ..read more
Investment Moats
1w ago
I have a friend who asked the following question:
If we do the math for a young person in 20s, just started working, how much does the person need to put aside per month starting from now to achieve the target of $5,000 per month in a traditional retirement?
Actually, I did a video to explain this:
I think my friend may want an answer more specific so here is the more specific math.
We can assume some guy that graduated as a 25-year-old is asking this question. Let’s call him Mike. If it is a Jane, Jane should graduate when she is 23 years old. A traditional retirement will take place from 6 ..read more
Investment Moats
2w ago
One of our client advisers, Chin Yu, got interested in this Financial Times article about private equity.
I realize the article was written by Robin Wigglesworth, the author of the book Billions, and knew it will be a long read. I am 100 times a poorer writer than Robin but he is rather evidence-based often as well.
The article: Is private equity actually worth it?
The article is well researched and I decide to list down the main points as lists so that when I re-read in the future, I can focus better.
Why is there an urgency for many investors to add private equity into their portfolio? Inves ..read more
Investment Moats
2w ago
A Singapore Treasury Bill issue (BS24105X) will be auctioned on Thursday, 14 March 2024.
If you wish to subscribe successfully, get your order via Internet banking (Cash, SRS, CPF-OA, CPF-SA) or in person (CPF) by 13th March.
You can view the details at MAS here.
In the past, I have shared with you the virtues of the Singapore T-bills, their ideal uses, and how to subscribe to them here: How to Buy Singapore 6-Month Treasury Bills (T-Bills) or 1-Year SGS Bonds.
The cut-off yield successful Tbill bidders can earn is 3.80%.
If you select a non-competitive bid, you may be pro-rated the amou ..read more