Be Less Reliant on Banks and Build Stronger Capital Markets by Pushing for Better Shareholder Dividend and Buyback Yield
Investment Moats
by Kyith
5h ago
In BlackRock Chairman and CEO Larry Fink’s 2024 letter to shareholders, he highlighted potentially countries took a peep at the U.S. and wonders what they can do to make themselves more resilient. And the key may be to have stronger capital markets: Last year, I spent a lot of days on the road, logging visits to 17 different countries. I met with clients and employees. I also met with many policymakers and heads of state, and during those meetings, the most frequent conversation I had was about the capital markets. More and more countries recognize the power of American capital markets a ..read more
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Deconstructing Daedalus My Passive Income Investment Portfolio for My Essential & Basic Spending.
Investment Moats
by Kyith
6d ago
In this post, I will explain further about the main portfolio which makes up the majority of my net wealth. The bulk of this portfolio was published on Investment Moats for quite a while because I wanted a way to show people how to use my FREE Google Spreadsheet, which many have said is a pretty good way to track your portfolio by transactions ( You can read more and get the spreadsheet here). However, many have also explained that my spreadsheet looks like a zoo. This is because the spreadsheet is not just about tracking what we currently have but what we used to have. So many of the line ite ..read more
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Nikko AM Global Equity Fund Will Still be Available for CPFIS OA Investments. Updates after Discussions with Nikko AM.
Investment Moats
by Kyith
1w ago
About a month ago, I reflected upon the short-term underperformance of a Nikko Shenton fund in Dealing with Short-Term Underperformance is Tough. Reflecting on Nikko Shenton Global Opportunities Merger. I went through my thought process and explained why I think investors through CPF OA may not have a choice but to switch to another fund now that Nikko Shenton Global Opportunities is going to be merged with Nikko’s Global Equity Fund. Since then, Nikko AM has reached out to me and tried to understand what I was thinking and provide some clarity over what I presented. Back then, I thought that ..read more
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Singapore Savings Bonds SSB May 2024 Yield Climbs to 3.06% (SBMAY24 GX24050X)
Investment Moats
by Kyith
1w ago
Here is a safe way to save money that you have no idea when you will need to use or your emergency fund. The 10-yr and 1-yr Singapore Savings Bonds rates since the first issue in Oct 2015 The May 2024’s SSB bonds yield an interest rate of 3.06%/yr for the next ten years. You can apply through ATM or Internet Banking via the three banks (UOB, OCBC, DBS) However, if you only hold the SSB bonds for one year, with two semi-annual payments, your interest rate is 2.99%/yr. The one-year SSB yield seems to be heading down, showing a less flat curve. $10,000 will grow to $13,070 in 10 years. The Singap ..read more
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Reviewing My Short-Term, Liquid Wealth Allocations after the UOB One Account Bonus Interest Rate Reductions.
Investment Moats
by Kyith
1w ago
By now, many of you would have heard that UOB has reduced the bonus interest rates that you can earn if you bank with them. The revised rates are below: Changes such as this sometimes positively affect us but also could negatively affect us, as in this case. On first inspection, the interest rate that we can earn is reduced. We also observe that if you spend a minimum of $500 on your credit card and credit salary into your UOB account, there may be more interest to earn on an additional $50,000 of your savings. If you spend $500 minimum on your credit card and successfully carried out 3 GIRO ..read more
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Do You Have a Strong Insurance Protection Foundation? A FREE Havend E-book to Help Singaporeans(Plus Webinar Tonight)
Investment Moats
by Kyith
2w 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
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When Does High Quality and Low Quality Companies Perform Well?
Investment Moats
by Kyith
2w 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
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A Potential Rule of Thumb to Estimate CPF LIFE Standard Income with Our 65-Year-Old CPF RA Capital.
Investment Moats
by Kyith
3w 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
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New 6-Month Singapore T-Bill Yield in End-March 2024 to Climb to 3.80% (for the Singaporean Savers)
Investment Moats
by Kyith
3w 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
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Here’s a better way to Grab Stock, Fund, and ETF Prices from the Financial Times Website for your Google Spreadsheet (the FREE Script Code is Included).
Investment Moats
by Kyith
3w 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
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