Whats your expected or target return for 2015? - Part 2

[klarklar]

Continued from my previous thread:

6. din get any money from my parents for all the properties purchased. All through hard earned money.

7. started working part time when I still studying university, which is a few years earlier than most people.

8. spent very little every month. Last time when I first graduated from university, every month only close to 1 k.

9. invested close to all my income in stocks since year 2006. In between there was 07/08 crisis and 2011 crisis, I got hit everytime, but due to some luck, I manage to escape every time.
Other people is spend first, save the first, put a bit to invest.
I almost fully invested all my income, left a bit for myself to spend and I save very little.

I think I already reveal too much Liao.

Hi yyhwin,

Thanks for your sharing. Your discipline to save and invest is an inspiration. Don't feel bad because if you feel bad, I should be the one going on depression.

 

[invisible.hippo]

PE is price to earnings.
http://www.investopedia.com/terms/p/price-earningsratio.asp

PB is price to book
http://www.investopedia.com/terms/p/price-to-bookratio.asp

The lower the better.

Based on your link provided, high PE seems to have more growth, so why did you state lower is better

or value trap

what is value trap? stock over valued?

Depends on industry, different business diff ways to analyze

Tech and service businesses no need to see book value that much

What should we use to gauge

True also.

Why true?

Thanks all

 

[S1mpleGuy]

If noble is kicked out of sti n replaced with another company, does it mean sti index will rise??

 

[NewInvestor]

May I ask who is Stock King Kev? Sorry, I don't follow many threads closely.

I was referring to Keverus.

http://forums.hardwarezone.com.sg/e...who-dare-go-short-noble-shares-5195761-3.html

 

[thosai]

Based on your link provided, high PE seems to have more growth, so why did you state lower is better

Consistent earnings and earnings growth are very vital for a stock to rise.
You want to buy early when the price is still low, so lower PE means better bargain and more room for capital gain.

Of course if you are a trader, high PE can still go higher.

 

[invisible.hippo]

Consistent earnings and earnings growth are very vital for a stock to rise.
You want to buy early when the price is still low, so lower PE means better bargain and more room for capital gain.

Of course if you are a trader, high PE can still go higher.

i got your point. thanks

 

[tiny]

If noble is kicked out of sti n replaced with another company, does it mean sti index will rise??

Jardines were taken off the index but it didn't fly. So don't get your hopes too high yet.

 

[ValueInvestor]

Okay, now I put my jokes aside and try to answer in a more serious tone.

1. All the screenshots and photos that I put, they are all authentic, i.e. From my own.

2. I don't answer my job nature and monthly income here Coz I do not want to reveal too much.

3. I bought my sg condo in year 2012, that time the price hasn't peaked yet. I used up almost my 70 % of my full resources at that time for the initial downpayment(20 %) and stamp duty(3 % - 5400). This is my single most important purchase to date. Borrowed 920 k sgd. At that time, there isn't this thing called tdsr yet and I almost deplete all my resources to get this condo.

I lease the condo for 2.5 years, collected close to 100 k rental exclude all the interest payment and miscellaneous fees.
Current value of that condo should be around the same or slightly higher compared to the time I purchased.

3. Second property was a property I purchased in petaling jaya with 90 % loan, borrowed around 900 k ringgit. So far till date, the loan left around 850 k ringgit.
Bought the house when sgd : ringgit = 1 sgd : 2.4 ringgit till now 1 sgd : 3.1 ringgit.
Most of the interest payment is covered by rental, but it is a landed property, so rental not high enough. I still need to fork out around 2.3 k ringgit every month for the installment.

Bought the house after I rented out sg condo. End of year 2012. Rented out since mid 2013.
Use tenancy agreement in sg to support my income.

Bought in year 2012 at 1 million ringgit, current value around 1.25 to 1.3 million ringgit. Din expect it to drop value coz it is a freehold landed right at city centre

4. Other 2 properties bought end 2013, direct from developer, using tenancy agreement from Malaysia property and Singapore condo as support.

5. I don buy all my properties as one short, I do it one by one, using rental to support installment.

Cool story bro, u late 20s got 200k for downpayment for first SG condo liao ah
Doesnt make sense.. U said 20% downpayment your own $$, parents no help....

Hard to believe 2012 u first condo can grow into 4 property in 3 year... Just doesnt add up

Give u fresh grade at 23 work 6 years and hit 200k at age 29
U need to save 30k a year leh or 2.5k a month
UN UN UN believable!

My own best, fresh degree grad i worked in bank ... As equities dealer, single and peasent life stlyle save 1k per month nia already very stretch

Somemore your life style... U HAD 2 cars! U said it yourself!

U exposed liao! Cool story bro!

Your numbers all dont add up

GG max

 

[OngHuatHuat]

I have no cars.

My initial payment for the condo is around 270 k including stamp duty.

If I tell you there is a year I manage to invest close to 150 k nett, will you believe?

Cool story bro, u late 20s got 200k for downpayment for first SG condo liao ah
Doesnt make sense.. U said 20% downpayment your own $$, parents no help....

Hard to believe 2012 u first condo can grow into 4 property in 3 year... Just doesnt add up

Give u fresh grade at 23 work 6 years and hit 200k at age 29
U need to save 30k a year leh or 2.5k a month
UN UN UN believable!

My own best, fresh degree grad i worked in bank ... As equities dealer, single and peasent life stlyle save 1k per month nia already very stretch

Somemore your life style... U HAD 2 cars! U said it yourself!

U exposed liao! Cool story bro!

Your numbers all dont add up

GG max

 

[linxiaobei]

Aiyah why bother about him so much. Real or not, only he will know. Just read his story and that's it. Just a lesson for those that are thinking of over leveraging.

Sent from Samsung SM-N910G using GAGT

 

[ValueInvestor]

I have no cars.

My initial payment for the condo is around 270 k including stamp duty.

If I tell you there is a year I manage to invest close to 150 k nett, will you believe?

LOL CSB sia ~

 

[Perisher]

Yah... just move on...

 

[magnesium1]

Aiyah why bother about him so much. Real or not, only he will know. Just read his story and that's it. Just a lesson for those that are thinking of over leveraging.

Sent from Samsung SM-N910G using GAGT

I don't even bother to read his posts. Not stock market related.

Just skip the story from his "personal diary" .

Knowing that it was edmw kind of csb, why feed the troll?

Sent from research lab without using GAGT

 

[OngHuatHuat]

Spot the difference.

LOL CSB sia ~

 

[OngHuatHuat]

I don't even bother to read his posts. Not stock market related.

Just skip the story from his "personal diary" .

Knowing that it was edmw kind of csb, why feed the troll?

Sent from research lab without using GAGT

Haha, there is someone that keep questioning me right from the beginning.
You all choose what you want to believe?

 

[coolhead]

Spot the difference.

one on 13% batt left; the other on 7% batt.

 

[[M]aiev]

Geezz.. you all take yyhwin too seriously...

*shrug*

 

[Perisher]

yyhwin,
gonna have to ask you to leave your story to your own thread, this is a general stock market discussion thread, a bit of OT is fine, but it's span too many page liao.

For those who are still interested to know whether the story is true/fake or what, go to his thread.

Thank all.

 

[magnesium1]

Haha, there is someone that keep questioning me right from the beginning.
You all choose what you want to believe?

Please PM that someone to discuss your private matters in question.

So what if we believe it? Is it important to us? Does it make any difference to you?

If one is on the brink of bankruptcy, he/she shall not gloat about it on public forum. That's what I firmly believe in.

Sent from research lab without using GAGT

 

[OngHuatHuat]

yyhwin,
gonna have to ask you to leave your story to your own thread, this is a general stock market discussion thread, a bit of OT is fine, but it's span too many page liao.

For those who are still interested to know whether the story is true/fake or what, go to his thread.

Thank all.

Perisher, i respect you as a moderator.

Can you just flip to previous few pages and see if i started telling my own life story on my own?
I was just answering other people queries.