Author: SG Young Investment

New Rules For Using CPF For Property Purchase and HDB Housing Loans Changes

There are some changes to the rules on using CPF for purchasing of properties and also changes to the HDB housing loans we can take for a HDB property. This can be quite confusing so I will skip all the complexity of it and dive in to talk about who are the people who will get affected. Let’s get started. What the changes means to us?  In simple terms, what I see is the changes are implemented to ensure we still have a roof over our heads when we are old and also slow down the depreciation of properties...

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Making Money Full Time Online – How To Do it?

Blogs and YouTube have become more and more popular in recent years with the help of social media such as Facebook, Instagram etc. It becomes easier for these online sources to become popular when people start to share it. Even a simple post on Facebook can go viral and attract the attention of the government and authorities which we have seen a lot in the recent NUS voyeur case.  In recent times where I’m seeing more and more people able to create websites or YouTube channels and make it their full time work. This means that they are able...

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Is 6% Dividend Yield Achievable For A Singapore Market Investment Portfolio?

In my previous post on The 10 Years Financial Independence Target, I laid out the strategy to compound our money to reach financial independence in 10 years. The strategy involves having a dividend yield of 6% in the investment portfolio. There are quite a few questions on whether 6% dividend yield is achievable? Also, how do we get that 6% dividend yield? In my years of investing experience, I’ve learnt that it is indeed achievable to get 6% dividend yield in our investment portfolio. Over the years, I’ve learnt to pick some good stocks that have generated on average 6%...

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The 10 Years Financial Independence Target

Achieving financial independence in Singapore is possible but honestly, only a handful of the population can achieve it. This is because most of us are brought up being taught that we need a job to survive and we will probably have to work till we are quite old. That is sadly still happening when I see some of my colleagues still struggling to make ends meet even in their 50s and 60s. In the financial goals page of my blog, the target I set for myself is to achieve financial independence by the age of 42. This is about...

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Open Electricity Market – Why Cheaper Than Singapore Power?

By now, many of you would have heard of the open electricity market and have seen the roadshows by many of the new electricity retailers who are offering much lower prices than Singapore Power (SP) group’s current electricity tariff. There are as many as 13 different new retailers now apart from SP group. Many of you might have seen the prices and know that it is indeed lower but is there a catch to all these lower prices? Should we all be switching to these new electricity retailers to take advantage of the lower prices? To answer all the...

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Hyflux Restructuring Plan – A Ruthless Elimination of Retail Investors?

Hyflux has been the talk of the town lately due to its cash flow problems which triggered a restructuring process. This process is getting more and more hot after it announced the details of its restructuring plan. Retail investors now face as much as 90%-97% loss of their investment capital with this plan. The Hyflux restructuring plan unveiled For every S$1,000 invested, a holder of Hyflux’s perpetual securities and preference shares will recover S$106.54, or an implied return rate of 10.7%, under the company’s newly announced restructuring proposal. Out of this 10.7%, only 3% is paid in cash and...

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Far East Hospitality Trust Latest DPU up 3.1%

Far East Hospitality Trust should not be new to readers here as I’ve blogged about this stock on several occasions. I first wrote about investing in the hospitality industry back in April 2017 in this post. I went on to invest in CDL Htrust and Far East Htrust thereafter. Both have been performing well since then and providing good and stable dividends for the past few years. Let’s focus on Far East Htrust. This company has done well in its latest results which prompted CIMB, OCBC and DBS to write and cover the stock the past few days. Net...

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Free Access – Asia Wealth Virtual Summit 2019

Happy Lunar New Year to all! Chinese new year holidays went pass just like that. I hope all of you had an enjoyable time getting or giving ang baos and visiting your relatives in this new year. Chinese new year is always associated with wealth and prosperity. While it doesn’t happen by chance, some knowledge on how to grow our money will help in this financial journey. Some people pay thousands of dollars just to attend seminars but actually free ones are equally good out there. In this new year, there’s this wealth summit where you can learn more...

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Why I Started This Blog And What Will Happen Going Forward?

Looking back at my first post on SG Young Investment back in 2013, I was only 25 years old back then. How time flies, this is my 6th year of blogging and I’ll be turning 31 this year. Till now, when I meet new people, often I’ll be asked the question: “Why did I start blogging?” The answer was simple, because I was inspired by other financial blogs out there and wanted to contribute towards financial education too. As time goes by and as life gets busier and also life changes along the way, it gets harder to blog...

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Redeeming Air Miles for First Class Travel – Is it Worth It?

Have you ever wanted to travel luxuriously on a plane in a first class cabin? I think at some point in our lives, we would have thought of travelling first class but do not want to spend the money on that expensive first class tickets. Another way is to redeem air miles so that we do not feel its so painful to travel first class. Luxury travel is being shared widely on YouTube and I’ve seen quite a few of those videos. Its quite interesting to watch the level of service provided in first class cabin. Below is a...

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Homemade and Handmade CNY goodies

Chinese New year is just around the corner. I like CNY as its the festival to spend quality time with our family with good food surrounding each family reunion table and lots of goodies too. Recently, I got to find out about Poon Confectionery where we can purchase CNY goodies online and have it delivered right at our door steps. Poon confectionery was started in 1971 back in Pahang, Malaysia and they recently expanded to Singapore to offer the same delicious goodies to us. Their CNY goodies are homemade and handmade which makes them different from the ones we buy...

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Cashback vs Airmiles, Which Is Better? – Deal of the year 2019

I am always looking out for good deals and playing the cashback game has enabled me to spend smarter get the best value out of my money. This is definitely one of the must do if we want to manage our finances well. How about Airmiles for those who are playing the miles game? Does it let you redeem free air tickets easily or enable you to upgrade to business class or even first class for a more luxurious travel? With increased competition, the deals out there gets even more attractive for consumers like us. I could even...

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Reflections for 2018 – A Tough Year To Go Through But Ended Well

2018 A Tough Year 2018 will be ending soon. Its another year to reflect again. This is no doubt the toughest year for me but life still went through nonetheless. In the beginning of the year, I had to deal with the death of a close cousin of mine who passed away due to a road accident. It was extremely sudden and we even agreed to meet up 1 week later before the accident. I never got to see him again. This is my first experience in life of losing a close family member who was around the same...

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An Undervalued Stock Closely Related To Christmas

Christmas is here and the year 2018 is coming to an end. Many people are buying gifts as its the season for giving. While everyone is busy shopping, have you noticed one stock that is undervalued and closely related to Christmas? This stock is a REIT and most of its properties are located right at the heart of central Singapore. If you’ve been to Orchard road to see the Disney lights or to do some Christmas shopping there, chances are you might have passed by the properties owned by the REIT. This REIT is non other than Starhill Global...

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Is Passive Income Just A Fluff?

How easy it is to create passive income in our life so that we don’t have to depend on our active income anymore? To be honest, it takes time and its not easy but its possible if we take one step at a time. Many years back, when I first got to know the concept of financial freedom and creating passive income, I was inspired and motivated to achieve it. However, after awhile, reality sets in and I realise its not as simple as it seems. There are some lessons which I learnt over the years which I thought...

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