Author: Dr Wealth

It’s Time to Start Building A Safety Cash Cushion

Our Government has taken pains to assure us that changes to the statutory retirement age do not affect the time Singaporeans can withdraw their CPF monies. This does not always mean that Singaporeans who have been conscientious with their retirement planning would be totally unaffected by these reforms. Changes in the statutory retirement age affect the Supplementary Retirement Scheme (or SRS) account holders. source As the statutory retirement age will increase from 62 to 63 years old, tax-free withdrawal of SRS can be pushed back by one year if your SRS account is created after 2022. We want to...

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Financial Independence, Retire Early (FIRE): What Is It All About?

If you have been involved at all in the financial space within Singapore, you will have heard of the word “FIRE” being used several times. What Is Financial Independence, Retire Early (FIRE)? “FIRE” is a synonym for Financial Independence, Retire Early. The idea is that through a combination of aggressive savings and or aggressive expense cutting, anyone can retire far earlier versus waiting to retire in their 60s or 70s. Proponents of the extreme saving lifestyle often aim to save 70-80% of their monthly/annual income. Their eventual goal often is to save 30X their yearly expenses, often about $1...

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How Changes In Accounting Rules Affect Singaporean Investors

New accounting rules now place lease liabilities/assets onto the balance sheet of companies. Rule changes are a net improvement for investors in providing clarity in that it reflects true commitments and liabilities paid by the company, which were not recorded on the balance sheet under prior accounting standards. Caution, there will be a decline in profitability and asset ratios; while the new rules changes benefit transparency of commitments by the company, investors with current holdings in companies which rent/lease real estate, vehicles, machines will be most affected since the commitments are now reflected in liabilities and asset. We will...

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What is Bitcoin Cash – How to buy, sell & convert

Bitcoin Cash is a spin-off of the popular Bitcoin cryptocurrency. The altcoin’s proponents allege that Bitcoin Cash (BCH) carries the original idea of bitcoin of being a transactional currency. Bitcoin Cash inherits most of its properties from its parent cryptocurrency. The people who held BTC at the time of the bitcoin fork held an equivalent amount of BCH as the new altcoin became a standalone digital asset. For all intentions and purposes, it is supposed to perform better than BTC in terms of scaling and low and fast transaction fees. It has also been the subject of a controversial...

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Are REITs Strategies failing in 2019?

One of the major lessons in 2019 is that the appetite of REIT investors is insatiable. REITs have increased in prices so much that folks are understandably getting worried that a bubble might be forming in the markets. One qualitative reasoning is that older investors, whose appetite for passive is so great in the face of an extended period of low yields, have rushed into this asset class. As it takes time to collect dividends, it is much harder to convince a REIT investor to sell some of his holding that generate passive income for him. In the Early...

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TPG Telecom: Is the 4th Singapore Telco Provider Worth Your Capital?

Foreword: There is a risk that is inherent with every decision we make in life- none more acute and more pronounced than investing with our hard-earned capital. It is for this reason that we continue to publish articles with the ultimate aim of providing a roadmap to retail investors and new investors so that they can better navigate the dangers in the market. We hope this helps. Regards,The Dr Wealth Team If you have been following the telco happenings so far, you would have known the recent entry of TPG Telecom – the fourth telco in Singapore. TPG Telecom...

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Peter Lynch Playbook Part III: 3 Growth Stocks to Look At

This would be the third article of our 7-part Peter Lynch Investing Playbook series.  If you’ve missed the first part, fret not, as you can read it here: Part 1 of The Peter Lynch Investing Playbook. Don’t worry, this article would not be going anywhere so you can come back to it anytime!  The Peter Lynch Investing Playbook is essentially a guide inspired by the book, One Up on Wall Street, where the legendary investor, Peter Lynch, revealed how his ‘amateur’ approach in managing Fidelity’s multibillion-dollar Magellan Fund led him to become one of America’s number one money managers,...

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Facebook: Is It Undervalued Still?

Disclaimer & Disclosure: This article represents my views and opinions. This is not an incitement to invest. You are responsible for your own money. Neither I nor any elements of associates of Dr Wealth will be responsible for the loss of your capital. I strongly urge you to remain objective and emotionally dead whilst identifying opportunities to buy the proverbial dollar for fifty cents. Current Trade war tensions, the oil conflicts in the Middle East, Hong Kong’s protests, as well as the uncertainty of Brexit has created a tornado of fear and uncertainty. This is a good thing. It...

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Looking For Growth Stocks? Focus on China

Notes: We’ll be breaking down the characteristics of growth stocks. How they work. And how we hunt them. We’ll also explain why we’re hunting them in China as opposed to the U.S. in this article. Growth stocks are the stuff of legend, and up until recently, America has historically dominated the world in terms of where most of the growth companies/Multi-National Corporations originated from. Just take a look at some of these common household names. Facebook $26.26 to $201,80. Facebook doesn’t need much explanation. Apple $1.43 to $207.74. Even post-2006, there were plenty of opportunities to buy Apple. Amazon...

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Ripple Coin – A Simple Guide for Beginners

You may have heard about Ripple if you have been in crypto long enough. You may have heard arguments for or against it but probably never heard a well-balanced argument that covers both sides of the equation. This is mainly because of Ripple’s nature. It is polarizing at times, different form bitcoin and its cousins, yet it is a needed cryptocurrency. Ripple Coin existed long before Bitcoin came onto the picture. This surprises many people. But its success story is intertwined with bitcoin. Ripple cryptocurrency //Source: Pixabay And its relationships and partnerships with banks could be considered treasonous. Cryptocurrencies...

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How Do We Protect Our Retirement In A Recession?

For those who aim to retire early, protecting our retirement is a must. All of us have the same fear – running out of money as we live out our twilight years whilst chained to a hospital bed. One of the common ways for an Early Retirement Plan to fail badly would be based on what is called a “sequence of return” risk. Imagine facing a recession within 2 years of leaving the workforce – your investments have not made much in the way of returns yet, but you are forced to draw down on your retirement capital. When...

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Passive Investing vs Active Investing: Which is Better?

Imagine you have painstakingly saved up $100,000 and you’re all ready to invest for a brighter future ahead. But you are undecided on whether to adopt a hands-on approach and invest in stocks, or, park it under passively-managed instruments like Robo-advisors or Index Funds. After all, this has been a decade long debate between “active” and “passive” investing, and, you find merits in both the approaches too. Today, we aim to explore deeper into the pros and cons of these 2 concepts and introduce a better alternative which you may have missed out on. The Concept of Passive Investing...

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Alibaba’s Potential Listing in HKEX: What Does It Mean for Investors?

Have you ever bought clothing during the 11.11 Taobao Sales?  Or have you heard the prowess of cashless transactions in China via AliPay?  Maybe, you have bought appliances off Lazada or ordered groceries from RedMart.  Well, all the aforementioned e-commerce businesses belong to one sole Chinese giant – Alibaba Group. Alibaba’s steps towards its Secondary Listing in HKEX Alibaba has recently taken decisive steps in ramping up its plans for a Secondary listing in the Hong Kong Stock Exchange.  The first step was taken when Bloomberg reported Alibaba had appointed China International Capital Corporation and Credit Suisse Group to...

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What Are the Defensive Qualities of a Leveraged Portfolio?

For those who are unclear, leverage is simply borrowing money from your broker to invest in the stock markets. People do not typically assume leverage to be defensive in nature. The idea of borrowing money to invest is by nature, assumed to be an aggressive action. This is true. Leverage is and remains a double-edged sword. DBS Bank has done a pretty good job of illustrating the benefits of having extra capital. This is for illustration purposes only and this is not a promotion. But you must also remember that leverage works both ways: you can both win and...

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The Peter Lynch Playbook: 3 Singapore Stalwarts You Should Look At

This would be the second article of our 7-part Peter Lynch Investing Playbook series. If you’ve missed the first part, fret not, as you can read it here: Part 1 of The Peter Lynch Investing Playbook. Don’t worry, this article would not be going anywhere so you can come back to it anytime!  The Peter Lynch Investing Playbook is essentially a guide inspired by the book, One Up on Wall Street, where the legendary investor, Peter Lynch, revealed how his ‘amateur’ approach in managing Fidelity’s multibillion-dollar Magellan Fund led him to become one of America’s number one money managers,...

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