So I received this really interesting question from a long time FH reader: “Hi FH, Hope you’ve been well! We were hoping to pick your brains again. 😅 We recently sold our primary residence and freed up some funds which we would like to deploy into our stock and reit portfolio (up to $300,000) perhaps ...
financialhorsesgx:s08sgx:p40usgx:a17usgx:o39sgx:z74sgx:c31sgx:d05sgx:c6lsgx:j7x
This post is about my updates on my Financial Goals Progress for May 2024. What are my Financial Goals? Financial Goals are targets set by individuals (like me) to achieve specific monetary milestones or plans within a certain time frame. My Financial Goal is to stash sufficient money (target) which ...
mysweetretirementsgx:o39sgx:u11sgx:s63sgx:p34
As you guys would know, this month’s Singapore Savings Bonds are pretty attractive. They yield 3.26% for the first 6 years. Going up to 3.33% over 10 years. These are some of the best yielding Singapore Savings Bonds in the history of SSBs. To the point where I would expect very strong demand for Singapore ...
financialhorsesgx:o39sgx:d05sgx:j7x
I’ve been getting a lot of questions about OCBC Bank recently. After the big rally in DBS Bank shares of late (that makes OCBC comparatively “cheaper” by comparison). And the news that OCBC Bank is buying a 100% stake in Great Eastern. A lot of you have asked for my views on OCBC Bank, and whether it ...
financialhorsesgx:g07sgx:o39sgx:d05sgx:s68sgx:u11sgx:40usgx:j7x
In my weekend article, I estimated a yield of 3.60% – 3.75% for the upcoming 6-month T-Bills auction. The auction results are out at 3.65% cut off yield, in the middle of my projected range. Unfortunately, this continues the trend of declining T-Bills yields, as you can see from the chart below. This ...
financialhorsesgx:o39sgx:d05sgx:j7x
Divorce used to be a taboo topic, but it has now become a reality in the modern world. Given that your spouse is intimately involved in your financial life, it will necessarily impact your finances in circumstances of separation. These are 6 important financial aspects to think about in the event of ...
financialhorsesgx:o39sgx:j7x
I’m sure you would have come across an advice that goes something along the lines of, ‘you can get an exposure to listed companies around the world when you invest in the iShares MSCI World ETF (NYSE ARCA: URTH).’ The first thing on your mind the first time you hear about this suggestion will probably ...
ljunyuansgx:c09sgx:a17usgx:o39sgx:z74sgx:c31sgx:d05sgx:s68sgx:bn4sgx:u11sgx:s63sgx:c6lsgx:g13sgx:f34sgx:m44uusx:googusx:googlsgx:c70usx:aaplusx:amznsgx:v03usx:msftusx:jpmusx:nvdausx:llyusx:avgousx:forusx:meta
Equity Portoflio - 2024-0519 In this review, I'll provide a brief commentary on each counter. REITs There are 9 REITs in the portfolio after selling off United Hampshire. Ascott Trust yields look quite interesting. If there is a correction, there may be consideration to add a little more. This is despite ...
corylogicssgx:a17usgx:o39sgx:a68usgx:ov8sgx:d05sgx:u11sgx:o5rusgx:me8usgx:cjlusgx:m44u
So the next 6-month T-Bills auction is on 23 May 2024. After closing as high as 4.07% in late 2023. T-Bills yields then dropped as low as 3.54%. In the most recent auction however, T-Bills closed at 3.70% yield. Bank fixed deposit rates have been steadily declining in 2024 – with the best fixed deposit ...
financialhorsesgx:o39sgx:d05sgx:u11sgx:j7x
So MSCI announced the changes to its MSCI Singapore index this week. Mapletree Pan Asia Commercial trust (MPACT) was removed from the MSCI Singapore Index (other stocks dropped are Mapletree Logistics Trust, CDL, Jardine C&C and Seatrium). This led to MPACT’s share price dropping as low as $1.18 at one ...
financialhorsesgx:c09sgx:t82usgx:n2iusgx:a17usgx:o39sgx:c31sgx:rw0usgx:c07sgx:m44usgx:s45usgx:j7x
Professional athletes are known for their resilience and grit. Here are 6 winning secrets from top athletes to help you achieve your goals as an investor. This article was written by a Financial Horse Contributor. 1. Practice makes perfect Have you heard of the 10,000 hour rule? In a seminal study into ...
financialhorsesgx:o39sgx:j7x
The SingSaver annual showdown between Team Air-miles and Team Cash-back is here again. For this time round, the team captain for Team Air Miles (round 1) is none other than Milelion. Table of Contents I Am Rooting For Team Air Miles What Are The Campaign Rewards? What Tasks Do You Need To Complete? [Bonus] ...
theturtleinvestorsgx:o39sgx:pu6dsgx:d05sgx:u11sgx:j7x
All 3 Singapore-listed banks (in DBS, UOB, and OCBC) have already reported their business update for the first quarter of FY2024 ended 31 March – you can read about the individual bank’s results in detail here. Just like in the previous quarters, I will be putting the 3 banks’ financial figures, and ...
ljunyuansgx:g07sgx:o39sgx:d05sgx:s68sgx:u11
Recently, OCBC has been promoting their Lion-OCBC Securities APAC Financials Dividend Plus ETF which is the world’s first APAC Financials ETF. As the name implies, the ETF investment focus is on 30 largest financial institutions by free-float market capitalisation. Based on the prospectus, the ETF aims ...
mysweetretirementsgx:o39sgx:axhsgx:d05sgx:s68sgx:n6dd
Interest rates have been all over the place of late. If you recall – in Jan the market was pricing in 7 interest rate cuts in 2024. With hot US inflation and latest comments from Powell, the market is now only pricing in 2 interest rate cuts in 2024. Despite all that, bank fixed deposit interest rates ...
financialhorsesgx:o39sgx:pu6dsgx:d05sgx:u11sgx:s41sgx:j7x
We’ve been doing quite a few macro focussed pieces the past few weeks. So I figured for this week – let’s go back to single stock level discussion. The recent rise in interest rates has provided a nice sell-off in dividend stocks (especially REITs) that has opened up interesting opportunities for long ...
financialhorsesgx:ajbusgx:a17usgx:o39sgx:c31sgx:d05sgx:s68sgx:bn4sgx:u11sgx:s53sgx:u14sgx:h02sgx:ns8usgx:a7rusgx:me8usgx:p7vusgx:s61sgx:j7x
As we approach 2H FY2024, the financial markets have faced many ups and downs thus far. From the conflict between Israel and Iran, to the FEDs reducing their forecasted rate cuts for the year. From an initial forecasted net terminal rate of 4.25% – 4.50%, the current forecasted net terminal rate for ...
gavinsgx:g07sgx:o39sgx:d05sgx:s68sgx:u11sgx:mu7sgx:j7xsgx:npl
I have been thinking of taking another long break from social media to focus on other things in life. Tentatively, I am thinking of coming back in June. So, this might be my last blog until then. 1. AIMS APAC REIT This is probably my most rewarding investment for income. I have been holding to the relatively ...
aksgx:o39sgx:d05sgx:u11sgx:o5ru
The Straits Times Index (STI), Singapore’s benchmark index, includes 30 companies, among which are the three major banks headquartered in Singapore: DBS (SGX: D05), UOB (SGX: U11), and OCBC (SGX: O39). At the time of writing (10 May 2024), the 3 banks collectively hold a weightage of approximately 48.5% ...
ljunyuansgx:o39sgx:d05sgx:s68sgx:u11sgx:40u
In my weekend article, I estimated a yield of 3.70% – 3.80% for the upcoming 6-month T-Bills auction. Well, the auction results are out at 3.70% cut off yield, right on the bottom of my projected range. To be fair though, latest US economic data came in slower than expected, raising market hopes for ...
financialhorsesgx:o39sgx:d05sgx:j7x
Photo cred9it: Andre Taissin/Unsplash By now it should be widely known that UOB is reducing the interest rates of its flagship UOB One Account from 1 May 2024. This announcement was made as early as 1 April to give its customers a one month’s heads-up. While the notice period was nice, a lot had changed ...
heartlandboysgx:o39sgx:d05sgx:u11
So the next 6-month T-Bills auction is on 14 May 2024. After closing as high as 4.07% in late 2023. T-Bills yields then dropped as low as 3.54%. In the most recent auction however, T-Bills closed at 3.75% yield. Bank fixed deposit rates have been steadily declining in 2024 – with the best fixed deposit ...
financialhorsesgx:o39sgx:d05sgx:u11sgx:j7x
As promised, I wanted to provide an update on markets after this week’s events from Jerome Powell (FOMC) and Janet Yellen (Treasury Quarterly Refinancing). This would give us some indication of how the Feds and US Treasury are responding to (a) recent weakness in stock markets, and (b) sticky US inflation. ...
financialhorsesgx:o39sgx:j7x
Share Tweet 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 June 2024’s SSB bonds yield an interest rate of 3.33%/yr for the next ten years. You can apply through ...
investmentmoatssgx:o39sgx:d05sgx:u11
Financial freedom is the ultimate goal most of us are working towards. What are the most common mistakes holding us back? Let’s explore how to avoid sabotaging ourselves in our financial freedom journey. This post was written by a Financial Horse Contributor. 1. Not having a clear end goal People tend ...
financialhorsesgx:o39sgx:j7x
No surprises. Do well as usual. Operation data excellent. High cash level helps to boost their fixed returns which is quite substantial. Their total return in my perception typically lower than banks but strong stable returns. A good diversification from portfolio heavy in other sectors. A boring and ...
corylogicssgx:o39sgx:ov8sgx:d05sgx:u11
I’ve noticed quite active discussion about CapitaLand Invesment among readers. So I wanted to release this FH Premium article written last month, to give an insight into my thinking. Note that this was written in early April, so some of the charts are slightly outdated – but the thought process remains ...
financialhorsesgx:c09sgx:p40usgx:a17usgx:o39sgx:a68usgx:c31sgx:c2pusgx:j7x
I have been thinking about really retiring in a couple of years. Confused? Didn't AK retire 8 years ago a few months before he turned 45 years of age? Yes, I retired from active employment 8 years ago and I have been enjoying retirement so far. However, I am not really retired because to me that would ...
aksgx:o39sgx:d05sgx:u11
As many of you will know, DBS bank went ex bonus shares on Monday, 22 April. Interestingly, DBS shares have done very well since then. Here is the price chart for DBS (after adjusting for bonus shares). You can see the jump this week – hitting new all time highs at $34.79 (this would have translated ...
financialhorsesgx:o39sgx:d05sgx:u11sgx:mu7sgx:j7x
Singapore investors love dividends. Whether you are a young investor growing your wealth, or a retiree looking for retirement income, it’s never too late to start investing for dividend yield. How to diversify your dividend income sources as a passive investor? Let’s say you’re a Singapore investor – ...
financialhorsesgx:a17usgx:o39sgx:c31sgx:d05sgx:s68sgx:u11
In my weekend article, I estimated a yield of 3.70% – 3.85% for the upcoming 6-month T-Bills auction. Well, the auction results are out – 3.74%, towards the lower end of my projected range. However T-Bills demand fell quite a bit to $14.4 billion (vs $16 billion the previous auction). While auction amount ...
financialhorsesgx:o39sgx:d05sgx:j7x
So the next 6-month T-Bills auction is on 25 April. After closing as high as 4.07% in late 2023. T-Bills yields then dropped as low as 3.54%. In the most recent auction however, T-Bills closed at 3.75% yield. Bank fixed deposit rates have been steadily declining of late – so at 3.75%, 6-month T-Bills ...
financialhorsesgx:o39sgx:d05sgx:u11sgx:j7x
Date: 17 Apr 2024
Price: SGD 13.52
Shares: 64
Total: SGD 893.3
Secrets of wealthy people? Do millionaires they know something we don’t? Let’s expand our horizons by considering what we can do or think differently to grow our money. Here are 7 things rich people do differently. This article was written by a Financial Horse Contributor. 1. Focus on assets Wealthy ...
financialhorsesgx:o39sgx:axhsgx:j7x
