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Month: March 2023

7 Things to consider before buy a dividend stock

Posted on by careyourpresent

Why dividend investing?

There are many ways to do investing, but one of the way that many people like is dividend investing. But why?

Dividend investing is a simple, straightforward way to earn a steady income. It’s not as sexy as going all-in on high-growth stocks or cryptocurrency, but it’s practical and reliable. Plus, it comes with the added benefit of growing your wealth over time by building passive income streams.

We’ll go into more detail about how dividend investing works here:

You can invest in shares and benefit from the power of compounding returns.

When you invest in shares, you can benefit from the power of compounding returns. Compounding is the ability of an investment to generate earnings that are reinvested, thus creating additional earnings. This means that your money will grow over time without having to add more funds yourself.

The idea behind compounding is simple: if an investor invests $100 at 6% per annum and compound it by reinvesting the dividends for 10, 20 or even 30 years without any capital injection. What would you get?

You will get 5x the money after 30 years! Don’t you like dividend investing?

It’s simple to begin investing, and there are no limits on how much you can get started with.

You can start with as little as $50, and there are no limits on how much you can get started with. You can invest in a variety of different types of companies that offer dividends and build up your portfolio over time. You may not even need to buy shares all at once – you could do so gradually over several months or years.

Dividend-paying stocks aren’t just for people who have thousands to invest; they’re also accessible to beginners who want to learn more about investing while building wealth at the same time! Of course, do get a brokerage which cheaper commissions.

Historically, dividend stocks have been shown to deliver solid long-term returns.

Dividend stocks are a great way to build wealth and generate passive income. They have proved to be more stable than the market as a whole, so you can count on them for long-term growth.

If you’re looking for a way to make money from your investments without having to worry about whether or not the stock will go up or down, then dividend investing is definitely worth considering.

Dividend investing is a sensible way to grow wealth and build passive income streams over time by investing in companies that regularly pay out cash distributions to shareholders

Dividend investing is a sensible way to grow wealth and build passive income streams over time by investing in companies that regularly pay out cash distributions to shareholders.

Things to note before investing in any dividend stocks

Dividend stocks have been shown to deliver solid long-term returns, but there are a few things you should know before diving into this type of investment strategy:

1. Dividend Yield

Always check the dividend yield to determine the annual dividend payment as a percentage of the stock price.

2. Dividend History

Look at the company’s dividend history to see if it has a track record of consistently paying dividends.

3. Growth of Dividends

Consider the company’s dividend growth rate to see if it has a history of increasing its dividends over time.

4. Earnings and payout ratio

Look at the company’s earnings and payout ratio to see if it has the financial stability to continue paying dividends.

A high payout ratio may indicate that the company is paying out a significant portion of its earnings as dividends. This is a typical trait in Real Estate Investment Trusts! Hence do take note to keep some money in case they ask for right issues at very bad market condition!

5. Business Model and sustainability

Consider the company’s financial stability and business model to determine if it is likely to continue paying dividends in the future. If there is any red flags, do take action to take profit or cut loss.

6. Industry Trends

Research the industry and its trends to determine if the company’s business is likely to continue growing and generating income.

7. Diversification

Consider diversifying your portfolio by investing in a variety of dividend-paying stocks, rather than relying on a single stock for income. In case any stock dies, you still have others!

Dividend Journey and your future will thank you!

Dividend investing is a great way to build wealth and generate passive income streams. It’s simple to get started with and there are no limits on how much you can invest or earn from dividends. With the power of compounding returns, you can benefit from regular payments from companies that pay out cash distributions to shareholders.

Your future self will sure thank you if you start now!

Do also read the articles below to learn more!

Good articles that you should read!

People are drawn to dividend investing.

Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.

I always write and share articles, especially on dividends which many people love them. Do read them!

Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!

Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.

CAREYOURPRESENT

Money just buy you the chance of freedom.

When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.

Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?

We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.

We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.

I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:

You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.

REMEMBER:

Love your life daily.

You have one less day with your spouse, parents, children and yourself.

Time is ticking away.

For each passing day,

Enjoy and Treasure your Life!

For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!

For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!

You may also contact me via [email protected].

If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!

At the same referral and ebook page, you can also download my free ebooks and other free resources.

For quick references to these resources, you can see below.

  • Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
  • WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
  • MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
  • Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
  • FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
  • Hostinger: You can use this link for hosting your new website. 20% off hosting!
  • Crypto.com: Use my referral link https://crypto.com/app/h92xdfarkq to sign up for Crypto.com and we both get $25 USD 🙂

Update on my recent Trade under rising interest rate conditions!

Posted on by careyourpresent

Market Update

As I have shared in my previous articles, with the most recent on market being on SAVERs – How to maximize your interest and my Market Transaction/Updates and SBAPR23 GX23040S – Singapore Saving Bonds (SSB) above 3% again. Buy or Bye?, the market is very volatile now, my action now is trading but will keep those shares that I have accumulate cheap for longer terms.

Trade or Wait?

I would generally preferred at least a 6% yield before I will buy anything. If not, it would be better for me to keep money in high saving account at 4%. Why take the risk? The latest treasury yield is 3.98% now but I didn’t applied for it because Standard Chartered has given me 4% from March to Aug 🙂

My Trade

Recently I have bought CapitaLand India Trust at $1.09 in the early part of the week and sold at $1.12 yesterday. The purpose is for quick trade and to ease itchy fingers. Next month should be getting more interesting!

For those who are unaware what this share is about, you can read more about it here. I have extracted from the company’s website itself below.

Current yield is 7% with 0.96 book value. On the longer term basis, I am positive about this counter. Hence it’s worth a trade, even if stuck it’s still ok. If it come down again in March, I will buy again. Depend on how low the price get, I may keep for longer term 🙂

CapitaLand India Trust (CLINT), formerly known as Ascendas India Trust (a-iTrust), was listed on the Singapore Exchange Securities Trading Limited (SGX-ST) in August 2007 as the first Indian property trust in Asia. Its principal objective is to own income-producing real estate used primarily as business space in India. CLINT may also develop and acquire land or uncompleted developments primarily to be used as business space, with the objective of holding the properties upon completion. As at 31 December 2022, CLINT’s assets under management stand at S$2.5 billion.

CLINT’s portfolio includes eight world-class IT business parks, one logistics park, one industrial facility and three data centre developments in India, with total completed floor area of 15.5 million square feet spread across Bangalore, Chennai, Hyderabad, Pune and Mumbai. CLINT is focused on capitalising on the fast-growing IT industry and logistics/industrial asset classes in India, as well as proactively diversifying into other new economy asset class such as data centres. CLINT is structured as a business trust, offering stable income distributions similar to a real estate investment trust. CLINT focuses on enhancing shareholder value by actively managing existing properties, developing vacant land in its portfolio, and acquiring new properties.

Live a Life

Lastly, let me end of with this.

Everyday passes by so quickly.

Before you knew it Baby becomes child.

Parent died I become old.

Seize your time.

Do what you love.

Buy assets GENERATE CASHFLOW.

And a poem from CHATGPT!

A good life is not one of riches and fame, Nor is it found in fleeting pleasures and vain games. It’s the simple things that bring us joy and ease, Like a peaceful mind and a heart at ease.

A good life is one of love and compassion, Of meaningful connections and heartfelt satisfaction. It’s the giving of oneself to others in need, And finding beauty in every simple deed.

It’s waking up each day with a grateful heart, And finding ways to make a positive start. It’s the laughter and the tears we share, And the moments that we hold so dear.

A good life is one of purpose and of grace, Of finding meaning in each challenge we face. It’s the journey we take, not just the destination, And the lessons we learn, with each revelation.

So let us live each day with love and light, And cherish each moment, with all our might. For a good life is one of joy and peace, And it’s found within, when our hearts are at ease.

Good articles that you should read!

People are drawn to dividend investing.

Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.

I always write and share articles, especially on dividends which many people love them. Do read them!

Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!

Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.

CAREYOURPRESENT

Money just buy you the chance of freedom.

When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.

Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?

We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.

We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.

I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:

You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.

REMEMBER:

Love your life daily.

You have one less day with your spouse, parents, children and yourself.

Time is ticking away.

For each passing day,

Enjoy and Treasure your Life!

For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!

For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!

You may also contact me via [email protected].

If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!

At the same referral and ebook page, you can also download my free ebooks and other free resources.

For quick references to these resources, you can see below.

  • Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
  • WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
  • MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
  • Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
  • FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
  • Hostinger: You can use this link for hosting your new website. 20% off hosting!
  • Crypto.com: Use my referral link https://crypto.com/app/h92xdfarkq to sign up for Crypto.com and we both get $25 USD 🙂

SBAPR23 GX23040S – Singapore Saving Bonds (SSB) above 3% again. Buy or Bye?

Posted on by careyourpresent

SBAPR23 GX23040S – Singapore Saving Bond (SSB)

Today is the 1st day of March and the new SSB rates are out again!

We are back to above 3% again to 3.15%.

As mentioned in my post on 24 Feb 2023 (SAVERs – How to maximize your interest and my Market Transaction/Updates), the worldwide interest rates are going up and likely we get chance to buy higher SSB again as well as chance to take advantage of market weakness.

https://www.mas.gov.sg/bonds-and-bills/singapore-savings-bonds

Let’s see the breakdown of the 10 years rate. 1st year is 3.01% whereas the last year is 3.53% with average at 3.15%. Great rates! S$700.0 million are offered with last day of application on 28 Mar 2023, 9pm. Upcoming payment is on 01 Oct 2023 with subsequent payments (until maturity): Every 6 months on 01 Apr and 01 Oct.

US Interest Rates

If we look at the US Treasury Rates, US6M reached 5.16% with US10Y at 4%! Yield curve is highly inverted again.

Inflation is not going away soon. FED not going to pivot so easily. For those FOMO (Fear of Missing Out) and enter the market in the recent rally, do consider keeping some cash in just case to either take advantage of higher fixed income like SSBs or simply wait for further weakness in market which is coming soon.

CNBC

Past issue of SSBs

Let’s look at the rates of recent issues below and you will be able to see which I say the current month rate is decent.

SBAUG22 GX22080V
SBSEP22 GX22090Z 
SBOCT22 GX22100X
SBNOV22 GX22110A
SBDEC22 GX22120S
SBJAN23 GX23010Z
SBFEB23 GX23020X

The above are all the Singapore Saving Bonds (SSB) that I have bought previously (I only didn’t buy the March Issue because it is was lesser than 3% and I knew SSB rates are going up).

Buy or Bye?

Hence, should we buy or bye?

Let’s us recap the advantages of SSB first:

  • Very safe – backed by Singapore Government
  • Locked down decent rates of around 3% for 10 years.
  • Easy to redeem and can redeem partial
  • Liquidity needs maximum of 1 month where you can get your money back. Hence suitable as emergency fund.
  • Limit of 200k should be good enough for most people.
  • Can build Bond Ladder to get monthly income (which I already did)

Let’s us recap the disadvantages of SSB:

  • Short term rates are lower than banks’ fixed deposits, money market funds such as MoneyOwl,etc of around 3.5% and above.
  • Low returns
  • 1 month liquidity to redeem your funds may be too long for people who need the funds immediately.

Hence the question is should we buy or bye?

For me I would do a wait and see method.

I have already kept decent amount of Funds in Singapore Saving Bonds and some funds in the higher 6 months Fixed Deposits and MoneyOwl WiseSaver etc. No point to keep putting funds into Singapore Saving Bonds that limit the growth of my funds. I would prefer to buy equities (also Crypto/Options) etc for higher yields as well as capital gain.

Since the last day of application is 28 Mar 2023, 9pm which is still far away. With the current market conditions, Mr Market would likely give chance for me to accumulate cheap assets soon 🙂

If he didn’t, then perhaps I would consider buying this month SSB (and/or redeem lower rate old SSBs).

What’s your plan?

Good articles that you should read!

People are drawn to dividend investing.

Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.

I always write and share articles, especially on dividends which many people love them. Do read them!

Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!

Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.

CAREYOURPRESENT

Money just buy you the chance of freedom.

When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.

Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?

We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.

We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.

I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:

You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.

REMEMBER:

Love your life daily.

You have one less day with your spouse, parents, children and yourself.

Time is ticking away.

For each passing day,

Enjoy and Treasure your Life!

For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!

For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!

You may also contact me via [email protected].

If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!

At the same referral and ebook page, you can also download my free ebooks and other free resources.

For quick references to these resources, you can see below.

  • Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
  • WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
  • MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
  • Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
  • FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
  • Hostinger: You can use this link for hosting your new website. 20% off hosting!
  • Crypto.com: Use my referral link https://crypto.com/app/h92xdfarkq to sign up for Crypto.com and we both get $25 USD 🙂