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Category: Investment and Finance

If I have $100000, how would I allocate my portfolio?

Posted on by careyourpresent

Portfolio Allocation

If I have $100000, how would I allocate my portfolio? This is a very common question that I get every day from my friends/readers, especially for those who haven’t even started investing.

Investing is not as simple as just buying and selling stocks. In fact, I believe that the most successful investors are those who understand how to build a diversified portfolio of assets that can complement each other.

That’s why when you’re building your portfolio, it’s important to keep in mind what your goals are and how much time you have before retirement or college tuition needs to be paid off. We’ll go over some basic ideas of how to allocate your money across different investment types so you can figure out what works best for your situation!

100k is not a large amount of money, but it is enough to make yourself some guaranteed income.

If you have $100000, it’s not a lot of money. But it’s enough to make yourself some guaranteed income. That’s what I did with my first $100000. And I am still doing it today.

I didn’t start with too much, but it was enough to make a difference in my life and get me started on my journey towards financial independence and early retirement.

You will need to answer this question for yourself and see what your goals are.

You will need to answer this question for yourself and see what your goals are.

  • Are you saving up for a house?
  • Do you want to travel the world?
  • What is the time frame that works best for your goals?

You should also consider your risk tolerance and how long you can potentially get back your money.

You should also consider your risk tolerance and how long you can potentially get back your money. Risk tolerance is a measure of how much risk you can take on, but it’s different for everyone. You need to know your own risk tolerance before investing in anything.

  • If you have a high risk tolerance and are willing to lose some or all of the money that you invest, then it might be better for you to put more in stocks than bonds or cash (or keep 100% out of investments altogether).
  • If, on the other hand, your goal isn’t necessarily to make money as quickly as possible but rather just have enough funds available when needed in case something happens–like an emergency fund–then an investment mix with more bonds/cash may be preferable since those asset classes tend not only generate less growth but also provide more stability over time thanks in part due their lack volatility compared with stocks

I would invest 30% in dividend stocks, 30% in Index Funds, 30% in Cash/Money Market Funds, 5-10% in Crypto and growth stocks.

If I have $100000, how would I allocate my portfolio?

I would invest 30% in dividend stocks, 30% in Index Funds, 30% in Cash/Money Market Funds, 5-10% in Crypto and growth stocks.

Why?

Dividend stocks give me cashflow (and some capital gain) on a monthly basis so that I don’t need to worry about how much income I generate from my investments as they will be covered by these dividends. They also tend to be more stable than growth stocks when the market goes down.

Index funds track a particular index or sector and grow with the world economy over time at a low cost because they are passively managed (i.e., no active fund manager trying to beat an index). The big advantage of this approach is that there is no risk of buying too early or too late into an up trending market; one simply buys at any point where valuations meet one’s criteria If we look back at history then we can see that this strategy has worked well over long periods of time; however there will always be periods when markets go down so having some cash reserves available can help smooth out those bumps along the way!

Cash/money market funds provide liquidity for short term needs such as paying off debts or buying something special once every few months without having too much impact on our overall portfolio return due its low-risk nature (though note that these returns may not match inflation).

Crypto is the future of money as I believe so. Good to dabble in it to understand more about Crypto. The best way to learn in life is to try it yourself. Hence %% would be a good starting point. Similarly for growth stock, it may be risky, but it is worth starting to learn more about it. Unless one put hard earned money in it, more due diligence would be done.

It’s not just about having a good strategy, but also making sure you execute on that strategy well

It’s not just about having a good strategy, but also making sure you execute on that strategy well.

  • Make sure you have a good strategy, but also make sure you execute on that strategy well.
  • It is not just about having a good strategy, but also making sure you execute on that portfolio well.

If you have a longer time horizon, then you can be more aggressive with your investments.

If you have a longer time horizon, then you can be more aggressive with your investments. This is because the risk of a bad investment is less likely to cause irreparable damage to your portfolio over the long term.

If we assume that an investor has $100000 and wants to invest it all in stocks (so they don’t have any cash), here are some guidelines for how to allocate their portfolio:

  • If they’re young and have little money saved up yet: Invest 100% of their capital into stocks or funds that invest mostly in stocks (like index funds). This will help them grow their wealth quickly so that they can afford more expensive things later on in life.
  • If they’re nearing retirement age but still have enough time before reaching retirement: Invest roughly 80% into stocks/funds that invest mostly in stocks, with 20% allocated toward safer assets such as bonds or cash equivalents like treasury bills (T-bills and SSb).

You may want to add other assets like real estate or business ownership as well, depending on the type of person you are.

If you are a more risk-averse investor, it may be better to invest in real estate. However, this can be risky as well because the market is not stable and there might be times when your property value will go down, especially huge amount of capital is required for such investments.

Investing in stocks can also be risky but if done right, it can give you high returns. You’ll need to be careful about when to buy or sell your stocks because sometimes they will drop suddenly due to unexpected events such as natural disasters or terrorist attacks happening around the world.

If none of these options sound appealing to you and/or if they don’t fit into your budget plan (which should include saving money), then consider starting an online business instead!

Conclusion

The most important thing is to take action and start investing. Get started and learn!

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 🙂

FED Printing machine “activated” again – what’s next for investor now?

Posted on by careyourpresent

Printing Machine activated

Many would have known that the last 1-2 weeks were very exciting! Many of the US banks collapsed!

  • Silver Gate
  • Silicon Valley Bank (that caused bank run of $USDC over last weekend)
  • First Republic Bank
  • Credit Suisse

In the last weekend with the news on the collapse of Silicon Valley Bank, the market went down. $USDC (Crypto stablecoins) also de-pegged to below $0.9. I have seized the chance to make a small trade.

My twitter post

I was hoping that the Market would collapse more so that I can utilize my 60% war chest, but it didn’t. Market went up instead. FED came to the rescue again, but it is not termed as “QE”. For those who are interested, can read about New Bank Term Funding Program. Furthermore, the interest rate dropped again.

What happened since then?

Since last Monday, what has happened?

+~$148 billion – net discount window borrowing
+~$12 billion – the new Bank Term Funding Program
+~$143 billion – borrowing for banks seized by FDIC

Total: ~$300 billion

But according to FED, the $300b spike in the Fed’s balance sheet is not QE but an increase in “Loans” via the Bank Term Funding Program and credit extensions to banks. Really?

Is this QT or QE? So do FED hike interest rate to control inflation or pump more money into system to let the ever-increasing inflation to go higher?

https://fred.stlouisfed.org/series/WALCL

What’s next?

My guess is FED will continue to print money to solve problem until one day they can’t. Guess as investor, we have to be patient and wait for the best chance to strike. Meanwhile, if there are good opportunities, I would continue to trade and earn some pocket money.

Last Monday during the dip, I bought Mapletree Industrial Trust (ME8U) at $2.25 and will be collecting around 4k worth of dividends/interest from various sources this month.

Recently I have also bought CLP Holdings Limited at 57.60 for the 1.21 dividend. Yay. almost free dividend.

Cash Rotting

Predicting that the market will goes down and timing the market pays dearly when you are holding too much cash while the market rally (like now where I am still holding 60% cash). As a result, my cash is rotting. Luckily at this market with high interest rates, I could still easily get 4% yield from Money Market Funds.

Options for Savers to earn high interest

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

I posted the above article on 2 March 2023. My guess now is I will buy more SSB to keep instead of Bye.

However, SSB liquidity is around 1 month. Meanwhile I still want to keep my cash liquid to capture any potential market opportunities. Hence, I will continue to keep my money via the two options below which I have mentioned previously (See post: SAVERs – How to maximize your interest and my Market Transaction/Updates). But I have took out the option for Treasury bill as the recent 3.65% is not attractive to lock up my funds for 6 months. I rather put either of the two options below.

Option 1: MoneyOwl WiseSaver – few days liquidity higher interest

MoneyOwl Wisesaver is investing in Fullerton SGD Cash Fund – Class A (SGD) which invested mainly in SGD Fixed Deposit and backed by Temasek. MoneyOwl itself is under NTUC income. It is as safe as you can get!

https://www.moneyowl.com.sg/wisesaver/

The latest rate is around 3.95%. This is liquid and you can take out anytime. Compared this to the latest 6 months Treasury Bill of 3.65%. It’s more worth it!

Insure, invest, or do a financial planning with MoneyOwl and get welcome Grab credits when you join using my referral link/code. You can use my referral link (or key in 6SHU-93MC) to get free $20-$60 Grab Vouchers when you invest with them.

To earn the first free $20, simply sign up for WiseSaver which the underlying fund is Fullerton Cash Fund – invested in rolling SGD Fixed Deposit and backed by Temasek. Then put in minimum $10 via FAST transfer to fund this account to earn full liquid ~4% yield. Since free money and risk free, why not?

Option 2: Fundsupermart Autosweep – slightly lower interest but immediate liquidity

The latest yield is 2.824% which is very decent. But the most attractive part of this option is that I am able to use the fund to trade directly and immediately. Option 1 Moneyowl WiseSaver may take a few days to transfer the money out.

Personally, I am using FSMOne.com to invest in funds & ETFs (including money market funds).

FSM is good due to the low comms and the free transfer from FSM to CDP (last year I did a few transfers and took less than a week to transfer. However, my most recent transfer was initiated on 4 Feb 2023 but the transfer to CDP was only done on 23 Feb 2023 around 2pm). Hence, user might want to take note.

If you do not have an account, you can sign up here. Please use my FSMOne referral code: P0413007.

https://secure.fundsupermart.com/fsmone/cash/autosweep-account

My humble view

Of course, although I still think the Macros are still not good and market will go down within the next few months, but FED could keep printing to print their way out for “bailout” until something break/crack.

Meanwhile, if there are good opportunities to accumulate strong companies, I would because I follow this idea “No Dividend No Buy and only buy those that I am willing to keep long term of at least 10 years. Must pass sleep test.”. (See related post: If I am a dividend investor, this is what I would do….)

Additionally, I would continue to trade and earn some pocket money. Last Monday during the dip, I bought Mapletree Industrial Trust (ME8U) at $2.25.

Lastly, I would keep calm and collect dividend/interest. This month I will be collecting about 4k worth of dividends from various shares and interests from various account. Luckily, despite that I am only 40% vested, my whole year estimated dividend/interest per month is around SGD$3447.78 per month or SGD$41373.34 per year or SGD$113.35 per day.

The above cashflow should be more than enough to cover my household monthly cash expenses of around SGD$3000 per month. Do note that these cash expenses exclude my house monthly mortgage and childcare fee. The reason why I excluded this is because my spouse and my CPF OA current total amount exceeded total loan that I still owed to HDB. Hence, I can pay off the flat anytime that I want to but I don’t wish to do so. For childcare fee, I have already locked up the sum in CDA acccount which will pay the fee via monthly GIRO automatically, hence I don’t need to bother with this too.

Of course, there is also the monthly paycheck that we have sacrificed our time to earn it.

Please also dont forget to build up your CPF account (See post: My Special Account Money (SA) in Central Provident Fund (CPF) – Cornerstone or Last Resort for Retirement?) too!

The very last but the most important point that I want to mention again and again is don’t forget to live Living a regret-free fulfilling life daily regardless of circumstances (See recent post: 11 Important Unexpected Life and Money lessons to learn from Your Children). Also see all my related posts in Care Your Present category.

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 🙂

Top 10 Regrets in Investment

Posted on by careyourpresent

Regrets in Investment

Picking the stocks that will do well for an investor is a little bit of an art and a little bit of luck. If you read up on investing, you will find that most of us are not incredibly good at it- even if we start out with a financial background. Hence, they are often many regrets in investment.

I think the problem lies in the fact that the majority of investors go into this weird world expecting to succeed after the first couple of tries. Investing money is like weightlifting or running. You need to learn how to be disciplined and put forth continuous effort in order to see results.

Investing is a crucial aspect of financial planning, and a well-executed investment strategy can have a significant impact on an individual’s wealth over time. However, many often wonder what their regrets and often have regrets about their investment decisions, and these regrets can result in missed opportunities, underperformance, or even losses.

Since recently ChatGPT is getting popular. Let me ask ChatGPT and see what I get.

Top 10 Regrets in Investment – Courtesy of ChatGPT

Disclaimer: The paragraphs below are written by ChatGPT, not me.

  1. Failing to start investing early

One of the most common investment regrets is failing to start investing early. The power of compounding means that the earlier an individual starts investing, the more time their investments have to grow. Unfortunately, many individuals delay investing until later in life, and this can result in missed opportunities for growth. To avoid this regret, investors should start investing as soon as possible, even if it is a small amount. A regular investment plan can help in building wealth over time.

  1. Not having a well-defined investment plan

Investing without a well-defined plan is like driving without a map. A clear investment plan should include the investor’s financial goals, risk tolerance, and investment time horizon. Without a clear plan, investors can make poor investment decisions or miss opportunities that align with their goals. To avoid this regret, investors should have a well-defined investment plan that aligns with their financial goals and regularly monitor their progress to ensure that their investments are on track.

  1. Failing to diversify investments

Concentrating all investments in one asset class or sector can lead to significant losses in case of market volatility or economic downturns. Investors should diversify their portfolio across different asset classes and sectors to spread their risk. A well-diversified portfolio can help reduce the impact of market fluctuations and provide a higher level of stability. To avoid this regret, investors should diversify their portfolio across different asset classes, sectors, and regions.

  1. Investing based on emotions

Investing based on emotions, such as fear or greed, can lead to poor investment decisions and result in underperformance. Investors should avoid making investment decisions based on their emotions and instead base them on research, analysis, and a well-defined investment plan. To avoid this regret, investors should maintain a disciplined approach to investing and avoid getting caught up in market hype or short-term fluctuations.

  1. Timing the market

Timing the market by buying and selling investments based on predictions of market movements is a common regret among investors. It is difficult to time the market successfully, and attempting to do so can lead to missed opportunities and losses. Instead of timing the market, investors should adopt a long-term investment strategy that aligns with their financial goals and risk tolerance. To avoid this regret, investors should focus on a long-term investment strategy and avoid making investment decisions based on short-term market movements.

  1. Failing to monitor investments

Not regularly reviewing investment performance or adjusting investments to align with financial goals can lead to missed opportunities and underperformance. Investors should regularly review their portfolio’s performance and adjust their investments to ensure they align with their financial goals and risk tolerance. To avoid this regret, investors should set up a regular review of their investment portfolio and make adjustments as needed.

  1. Not understanding the investment risks

Lack of understanding of the risks associated with investments can lead to unexpected losses. Investors should understand the risks associated with their investments and make investment decisions that align with their risk tolerance. To avoid this regret, investors should conduct thorough research and analysis of potential investments and understand the risks associated with them before investing.

  1. Chasing hot investments

Investing in popular or trending investments without doing proper research and analysis can lead to poor performance and losses. Investors should avoid chasing hot investments and instead focus on long-term investment opportunities that align with their financial goals and risk tolerance. To avoid this regret, investors should conduct thorough research and analysis of potential investments..

Investing is a crucial aspect of financial planning, and a well-executed investment strategy can have a significant impact on an individual’s wealth over time. However, investors often have regrets about their investment decisions, and these regrets can result in missed opportunities, underperformance, or even losses. In this article, we will explore the top 10 regrets in investment and how investors can avoid them.

  1. Overreacting to short-term market fluctuations

Overreacting to short-term market fluctuations can lead to poor investment decisions and result in underperformance. It is essential to keep a long-term perspective when investing and not get caught up in short-term market movements. Investors should avoid making impulsive investment decisions based on short-term fluctuations and focus on their long-term investment strategy. To avoid this regret, investors should stay disciplined in their investment approach and avoid making hasty investment decisions based on market fluctuations.

  1. Not seeking professional advice

Failing to seek advice from a financial advisor or professional can lead to missed opportunities and poor investment decisions. A financial advisor can provide valuable insights into investment opportunities, help in developing an investment plan, and guide investors in making informed investment decisions. To avoid this regret, investors should seek professional advice from a financial advisor who can help them in developing an investment strategy that aligns with their financial goals and risk tolerance.

Do you have any of the above regrets? Is ChatGPT powerful? Perhaps AI will be changing the world in future?

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 🙂

Market Updates- 11 Market 2023

Posted on by careyourpresent

Risk off Mode or Risk on?

I have shared before I am waiting for the chance to make my purchases. Either Mr Market gives chance or will put some dry powder in SSB first (see post: SBAPR23 GX23040S – Singapore Saving Bonds (SSB) above 3% again. Buy or Bye?).

This will be a dangerous post for market prediction, but I just want to make it on record that I have typed this before. For those who don’t believe in market prediction with some timings of the market, please do not read on.

Market Updates

The markets have been down for the past few days. The prominent ones would be the crash of Silicon Valley Bank. Who say a stock that is up for decades can’t be down within days? Do note that the collapsing contagious effect of this is not out yet.

Google
Market Watch

Don’t forget the contagious effects that will come.

For those into US market, do be careful. SG market likely will down but the extend we won’t know, but my guess should be much lesser than US. For those who are buying into SG dividend stocks, should be safe if you have the cashflow to keep average down good dividend stocks. However, do note that if big brother sneeze, the rest better take care too. Pace and plan your buys.

Twitter

Let’s fast backward and see what I have posted in Twitter.

QT, SIVB, inflation, decrease in money supply etc – something will crack, and the contagious effect will come.

Pictures speak a thousand word.

Some time for quick update, it is easier to post in twitter/share in telegram than writing a long post in blog. By the end edit finish in blog, the issue is already long over.

This article is a rare post for me to share quick snippets of what have happened and might happen. I will continue to write longer articles in blog and share quick latest updates in Twitter/Telegram. Do join us if you are keen.

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 🙂

Guide to Real Estate Investment Trust (Reits) – Hows and Whys

Posted on by careyourpresent

What are Real Estate Investment Trusts (REITs)?

Real Estate Investment Trusts (REITs) are getting popular nowadays. For those who are not familiar with REITs, do read this article. For those who are familiar, this article will be a refresher and may have things that you never think of in the past.

Why and What?

In terms of capital, you can start investing in Reits from as little as $1000 as compared to real properties where you need at least 5-6 figures for the downpayment! Thus, it is a very affordable option for people who want to invest in properties for cashflow but only has limited funds.

To put in in very simple terms, in summary, REITs are

  • popular investment options for those who are interested in real estate, but do not want the hassle of managing multiple properties themselves.
  • investment vehicles that own, operate, and finance income-generating real estate properties such as apartments, hotels, office buildings, data centre, rural farms, shopping malls etc
  • investment trusts that own, operate, and finance income-generating real estate properties. In return, REITs were required to distribute at least 90% of their taxable income to shareholders in the form of dividends, which mean cashflow for investors.

Advantages of Reits

  1. Diversification: REITs provide investors with exposure to a diversified portfolio of income-generating real estate properties unlike a single property for a real physical property that one purchase directly.
  2. Dividends: REITs generate income through rental payments and interest payments from real estate loans and they are required to pay 90%. This income is typically distributed to shareholders in the form of dividends, providing a steady cash flow.
  3. Liquidity: REITs can be easily bought and sold on stock exchanges (can even use RSP), providing investors with the ability to quickly liquidate their investments if needed. This is totally unlike a real property bought from the real estate market.

Disadvantages of Reits

  1. Volatility: Like all stocks, REITs are subject to market volatility and can experience significant price fluctuations, especially for those weaker reits. In Singapore contexts, we can see what happened to the US office reits 🙁 Conversely, real physical property prices are usually steadier.
  2. Interest Rate Risk: REITs may be impacted by changes in interest rates, which can affect the cost of financing for real estate loans. We can see this in the recent rate hikes.
  3. Potential right issues: Reits doesn’t keep much cash, hence for acquistion of new properties, repayment of debt, they may raise cash using rights issue.

Key Metrics to look out for before investing

Before investing in Reits, we should always take note of these nine metrics. Of course, these are not the full list, but one should at least know these nine metrics.

Distribution Per Unit (DPU)

Distribution per unit (DPU) is the amount of dividend paid per share. One should at least aim for 6% and above since the current risk-free treasury rate is 5%.

DPU is one of the most important metrics to evaluate when investing in REITs. It is a measure of the REIT’s ability to generate income and course the cashflow to investors. Investors should look for REITs with a history of consistent and sustainable DPU growth. If DPU keep decreasing due to Reit issue (rather than Macros situation such as COVID), investors better take note and decide if one should continue with this investment.

Growth in Distribution Per Unit

The growth in distribution per unit (DPU) is the increase in the REIT’s DPU over time. Investors should look for REITs with a consistent track record of increasing DPU. IT can be slow increase but at least must increase. One can look at the Mapletree Family of Reits such as Mapletree Logistics Trust for example.

To put in another word, a REIT that consistently grows its DPU over time indicates that it is able to generate more rental income from its properties over the years, and thus, has the potential for long-term growth. However, please take note the DPU growth should not be from the growth in debt.

Occupancy Rate

Occupancy rate measures the percentage of the REIT’s properties that are currently leased. A high occupancy rate is a positive indicator of the REIT’s ability to generate rental income from its properties. Investors should look for REITs with a consistent history of high occupancy rates, as this indicates strong demand for their properties. Typically, 90% plus will be good.

Gearing

Gearing measures the amount of debt that a REIT has relative to its equity. Too much debt can increase the risk of right issues and the potential defaults in the very worst scenerio. Investors should look for REITs with a manageable level of gearing, which should not exceed 40%.

Price-to-Book Ratio (P/B Ratio)

The price-to-book ratio (P/B Ratio) measures the market value of a REIT relative to its net asset value (NAV). A REIT trading at a discount to its NAV indicates that the REIT is trading at a discount to its properties.

However, low P/B values doesn’t mean the Reits in good. Conversely, usually good Reits trade above book value (example Parkway Reit). Investors should look for REITs with a P/B ratio by referencing to its historical average or those of its peers with similar assets.

Interest Coverage Ratio

The interest coverage ratio measures a REIT’s ability to pay its interest expense using its operating income. The interest coverage ratio is calculated by dividing a company’s earnings before interest and taxes (EBIT) by its interest expense during a given period.

A high interest coverage ratio indicates that the REIT can easily meet its interest obligations, while a low interest coverage ratio may indicate financial distress. Investors should look for REITs with a high interest coverage ratio, at least above 2.0.

Quality of Sponsors and Growth Prospects

The quality of sponsors and growth prospects are critical factors to consider when investing in REITs. The sponsors’ quality can provide investors with confidence in the REIT’s management team and its ability to generate long-term growth. Sponsors can also support potential right issues, thus price support too.

Additionally, investors should evaluate the growth prospects of the underlying properties, which can provide insight into the REIT’s potential for long-term growth. In Singapore Contacts, Capita, Ascendas, Maples and some frasers families of Reits will be great!

Rental Reversion

REITs signed agreement with Tenents for a certain agreed period. Leases will be renewed every few years. When they are a change in rental rates, this is called Rental Reversion.

Positive rental reversion means that REITs managed to get a higher rental rate from its tenants. If the rents drop, it is called negative rental reversion.

Investors should always look for REITs with positive Rental Reversion. This signal that this REITS have the bargain powering in the industries and also reflected the importance of its location and other features of the buildings. This indicates competitive advantages.

Lease Expiry Profile and Weighted Average Lease Expiry (WALE)

The lease expiry profile and the weighted average lease expiry (WALE) are metrics that provide insight into the stability and visibility of the REIT’s rental income stream. The lease expiry profile measures the percentage of the REIT’s leases that will expire in the next few years, while the WALE measures the average remaining lease term of the REIT’s portfolio.

Investors should look for REITs with a stable lease expiry profile and a long WALE. A stable lease expiry profile indicates that the REIT’s rental income stream is secure and that it has sufficient time to renew leases and find new tenants. A long WALE indicates that the REIT has a stable and predictable rental income stream, which can provide investors with a sense of comfort that the REIT’s earnings are predictable.

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 🙂

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 🙂