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hildian

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What do U invest with ur monthly salary?
« on: November 19, 2017, 12:52:48 pm »
Hi Everyone,

With the rising costs in the Singapore lifestyle and living standards. I wana ask what u all do to invest ur money in , in order to grow more money?

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beaverjuice

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Re: What do U invest with ur monthly salary?
« Reply #1 on: November 19, 2017, 06:25:14 pm »
For me is REITs ....

I see a lot of chiobus going Bugis Junction and Tampenis Mall so i bought Capitaland Malls Trust .... pays me quarterly dividends (yield approx. 5.5 - 5.6%)

I see a lot of chiobus going Vivocity so i bought Mapletree Commercial Trust (yield approx 5.7 - 5.8%)

I see a lot OLs working at Capitalgreen and Asia Square Tower 2 .... so i bought Capitaland Commercial Trust (yield approx 4.5 - 4.8%)

I see a lot of chiobus giving birth at Gleneagles .... so i bought Parkway Life REIT

....  the quarterly or half-yearly income motivates me to invest more to grow my assets in REITs.

But i would advise to nibble a bit ... the path forward for REITs is not clear ... until the US Feds signal more clarity for 2018 .... there is the foregone 0.25 rate hike in Dec 2017 and Goldman Sachs is predicting 4x similar hikes in 2018 .... so depending on how aggressive the hikes, there will be expected volatility in REITs and bonds in general.

If you are starting out,  Shiny Thing's aka Joshua Gersch's recommendations and book isn't too far off the mark.

https://www.amazon.com/Rich-Retirement-Singaporeans-Invest-Wealthy/dp/1521800308

He recommends to invest 110 minus your age in stocks. That is, if you are 60 years old like me,  then 50% in stocks and 50% in bonds.

POSB Investsaver is a good way to start for as little as $100 in SGX.ES3 (stock component, buying the top 30 companies of the STI ) and $100 in SGx.A35 (bond component comprising government and quasi-government bonds like LTA and HDB)

Once your portfolio gets bigger, you can start to look at global ETFs of stocks (LSE.VWRD, LSE.VHYD,  LSE.IWDA, LSE.EIMI,  LSE.VDPX, LSE.VDEM, etc) and ETFs of bonds (LSE.IEMB, LSE.VDET, LSE.LQDE, LSE.VDCP etc)

PS:  by "bigger"  meaning > US$100k

Hope this helps.

I don't follow Shiny Thing's portfolio 'cos my investment is more old man's portfolio.  Mostly in REITs .... ie. Highly risky in a rising rate environment
« Last Edit: November 19, 2017, 06:29:45 pm by beaverjuice »
"A man who has depths in his shame meets his destiny and his delicate decisions upon paths which few ever reach."

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Ava Taneer

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Re: What do U invest with ur monthly salary?
« Reply #2 on: December 19, 2017, 11:46:23 am »
Maybe this read can help in this thread :P

Investing & Trading Straits Times Index- Which One is More Suitable For Me?
https://thenewsavvy.com/invest/investing-sti-and-trading-sti-which-one-is-more-suitable-for-me/

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beaverjuice

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Re: What do U invest with ur monthly salary?
« Reply #3 on: December 20, 2017, 10:11:00 am »
Maybe this read can help in this thread :P

Investing & Trading Straits Times Index- Which One is More Suitable For Me?
https://thenewsavvy.com/invest/investing-sti-and-trading-sti-which-one-is-more-suitable-for-me/

@Ava Taneer
the STI Index is constructed by FTSE .... you can't directly invest into an "STI Index Fund" per se as you suggest in the article so you might wish to correct that (but hey! sure you can attempt to buy all the 30 component companies in their respective market capitalization ratios but I don't think an individual has the time nor the wherewithal to do that)

https://www.fool.sg/2013/09/10/three-interesting-facts-about-the-straits-times-index/
http://www.businesstimes.com.sg/magazines/inside-invest-aug-2017/straits-times-index-5-must-know-facts

you can however buy into ETFs that tracks the STI Index, in fact there are 2 ETFs  that physically-replicate the STI Index -  ES3 (Spyder STI ETF) and G3B (Nikko Asset Management STI ETF)

here is the link to the list of all available ETFs (be cautioned that some are synthetically replicated ie. there is no direct physical underlying that the manager buys into)
http://www.sgx.com/wps/wcm/connect/eccd3a44-73bf-4f03-a665-db9abb5432d5/ETF_Summary_Info.pdf?MOD=AJPERES&CONVERT_TO=url&CACHEID=eccd3a44-73bf-4f03-a665-db9abb5432d5


unlike a mutual fund,  you can trade an ETF just like a share on the stock exchange with by the second bid/ask prices and corresponding volatility


« Last Edit: December 20, 2017, 12:36:28 pm by beaverjuice »
"A man who has depths in his shame meets his destiny and his delicate decisions upon paths which few ever reach."


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princessbell

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Re: What do U invest with ur monthly salary?
« Reply #4 on: Yesterday at 02:46:16 pm »
thanks for sharing.

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beaverjuice

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Re: What do U invest with ur monthly salary?
« Reply #5 on: Yesterday at 03:15:45 pm »
thanks for sharing.

Welcome...

POSB Investsaver is a quick and painless way to automate your ETF investment

https://www.posb.com.sg/personal/investments/investing-in-funds/invest-saver
"A man who has depths in his shame meets his destiny and his delicate decisions upon paths which few ever reach."