*Official* MasterLeong Thread

[RobinTeoHood]

I had this idea with fixed deposits, where the fixed deposits are placed at x months apart, so that they would mature at in stages. IMO, this way more money can be placed in FDs with the flexibility of cash being available within a few months if necessary to avoid the need to liquidate an entire FD (and miss out on the interest) when the cash is needed.

I pitched the idea to my mum. She didn't like it.

You put like that, is the overall interest interest returns comparable to one lump sum? One lump sum may reach a higher quantum increase rate

Sent from Space using GAGT

 

[MasterLeong]

You put like that, is the overall interest interest returns comparable to one lump sum? One lump sum may reach a higher quantum increase rate

Sent from Space using GAGT

For FD lump sum 1 year the returns pretty decent like 1-2% maybe
If put 2 years higher a bit but more risk in rates being higher a year later
Usually best put 1 year by 1 year for FD
Each year shop around for a new deal lol

 

[[M]aiev]

http://www.businesstimes.com.sg/gov...seah-gets-2-weeks-jail-s10000-fine#xtor=CS1-3

Buey pai eh ! LOl

 

[orhanzi]

if look at ABF etf their holdings, most of their long term bonds are trading at way way above PAR value... very overvalued and dangerous to go in now

http://www.nikkoam.com.sg/files/documents/abf_singapore_bond_index_fund/indicative_holdings.pdf


2nd point to add, the yield is also very low at less than 2%

https://www.bloomberg.com/quote/SBIF:SP

I think SSB would be better than ABF for sure, since SSB is risk free

ABF now the big risk is higher rates, leading to lower NAV per share

if like that ? i better clear all my a35 and pump into g3b or es3 better ?

early 30s need any bond ? lol

 

[MasterLeong]

http://www.businesstimes.com.sg/gov...seah-gets-2-weeks-jail-s10000-fine#xtor=CS1-3

Buey pai eh ! LOl

milf~!!!!!!!!!

 

[MasterLeong]

if like that ? i better clear all my a35 and pump into g3b or es3 better ?

early 30s need any bond ? lol

early 30s ok to have some bonds

A35 if u already have just hold on to it lor... just make sure its not too much of your portfolio... if say 10% of portfolio inside ABF is fine I guess


STI ETF you should have most since you are ETF investor right

 

[madtari]

I'm mid 30s but I am not holding any bonds... I used to hold some Equities Unit Trusts which I am doing DCA over the past decade but recently liquidated the entire 40k to concentrate firepower on stocks.

if like that ? i better clear all my a35 and pump into g3b or es3 better ?

early 30s need any bond ? lol

 

[MasterLeong]

I'm mid 30s but I am not holding any bonds... I used to hold some Equities Unit Trusts which I am doing DCA over the past decade but recently liquidated the entire 40k to concentrate firepower on stocks.

power la, now come focus fire too liao hahahaha

sti etf and stock picking sure better than unit trusts

the management fees on UT is like 1-3% yearly

 

[madtari]

US green green

19,921

Seems like Americans also like to flip prata. But I consider it to be flat lah... sometimes those article's title can be misleading...

Wall Street stocks retreat on profit-taking
The Dow Jones Industrial Average dipped 8.83 points (0.04 per cent) to 19,843.41.
The broad-based S&P 500 shed 3.96 points (0.18 per cent) to 2,258.07, while the tech-rich Nasdaq Composite Index declined 19.69 points (0.36 per cent) to 5,437.16.
http://www.channelnewsasia.com/news/business/international/wall-street-stocks-retreat-on-profit-taking/3374282.html

 

[Dividends Warrior]

if like that ? i better clear all my a35 and pump into g3b or es3 better ?

early 30s need any bond ? lol

For the average investor in his 20s, 30s, 40s, no need bonds. Unless he is a millionaire with a few hundred grand to spare. SSB is good enough already.

 

[MasterLeong]

did some calculations on my portfolio segment %

banks 24.33%
telcos 26.63%
reits 42.4%
transport 6.64%

after adding so much telco and reits... my banks % now feels smaller.. so I definitely do not want to divest my bank shares

if market chiongs pass 3000, my 1st to take profit area would be transport... CDG my average price near 2.50 level so I would love to sell out at 3.00 for 20% gain if it happens hehehehe

 

[MasterLeong]

Seems like Americans also like to flip prata. But I consider it to be flat lah... sometimes those article's title can be misleading...

Wall Street stocks retreat on profit-taking
The Dow Jones Industrial Average dipped 8.83 points (0.04 per cent) to 19,843.41.
The broad-based S&P 500 shed 3.96 points (0.18 per cent) to 2,258.07, while the tech-rich Nasdaq Composite Index declined 19.69 points (0.36 per cent) to 5,437.16.
http://www.channelnewsasia.com/news/business/international/wall-street-stocks-retreat-on-profit-taking/3374282.html

end up red due to china worries gg

2 more weeks of trading before 2017 comes

anyone wanna guess the STI close?

I say around 2980 close for STI hahahaha

 

[MasterLeong]

if like that ? i better clear all my a35 and pump into g3b or es3 better ?

early 30s need any bond ? lol

btw your cat pic jin cute sia

 

[lewissac]

if like that ? i better clear all my a35 and pump into g3b or es3 better ?

early 30s need any bond ? lol

No harm to keep A35. It still brings gives you dividends albeit it lower than expected.

 

[[M]aiev]

Question is what if PAP start to implement taxation on dividend

 

[madtari]

ya... ever since I started keying my trades in SGXCafe, then I realized my portfolio doing better than expected. Then I looked at my UT, only Aberdeen Pacific Equity & First State Regional China funds doing quite well. Aberdeen Singapore Equity fund profit is like only a fraction of what my portfolio is performing, and some others are disaster... Like how Fundsupermart and Dollar Dex promote Vietnam will be the next China/India in SEA.. I lost 50% in that fund. So end up I fed up paying so much to keep those fund managers instead I will manage my own portfolio and give up exposure to external markets (cos I am not confident in trading overseas counters).

power la, now come focus fire too liao hahahaha

sti etf and stock picking sure better than unit trusts

the management fees on UT is like 1-3% yearly

 

[MasterLeong]

Question is what if PAP start to implement taxation on dividend

Economy sure die
All investments liquidated

 

[Dividends Warrior]

Question is what if PAP start to implement taxation on dividend

Reits cui deep deep.

 

[MasterLeong]

ya... ever since I started keying my trades in SGXCafe, then I realized my portfolio doing better than expected. Then I looked at my UT, only Aberdeen Pacific Equity & First State Regional China funds doing quite well. Aberdeen Singapore Equity fund profit is like only a fraction of what my portfolio is performing, and some others are disaster... Like how Fundsupermart and Dollar Dex promote Vietnam will be the next China/India in SEA.. I lost 50% in that fund. So end up I fed up paying so much to keep those fund managers instead I will manage my own portfolio and give up exposure to external markets (cos I am not confident in trading overseas counters).

Yeah some unit trusts really sucks
Even the sti etf beats most of them

 

[lewissac]

power la, now come focus fire too liao hahahaha

sti etf and stock picking sure better than unit trusts

the management fees on UT is like 1-3% yearly

Thats what happen to my mum. She used her EPF (alternative of CPF in Msia) to invest her unit trust. After 11 yrs, She then only showed her statement. Did a quick check and management 5%!!

Stright up tell her quit it immediately then.