*

hildian

  • **
  • Junior Petal
  • 97 -2
    • View Profile
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?

*

beaverjuice

  • *****
  • Global Moderator
  • 8844 16
  • Road to Perdition
    • View Profile
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."

*

Ava Taneer

  • *
  • Fresh Petal
  • 20 0
    • View Profile
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/

*

beaverjuice

  • *****
  • Global Moderator
  • 8844 16
  • Road to Perdition
    • View Profile
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."


*

princessbell

  • **
  • Junior Petal
  • 61 11
    • View Profile
Re: What do U invest with ur monthly salary?
« Reply #4 on: July 18, 2018, 02:46:16 pm »
thanks for sharing.

*

beaverjuice

  • *****
  • Global Moderator
  • 8844 16
  • Road to Perdition
    • View Profile
Re: What do U invest with ur monthly salary?
« Reply #5 on: July 18, 2018, 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."

*

winnie22

  • *
  • Fresh Petal
  • 19 2
    • View Profile
Re: What do U invest with ur monthly salary?
« Reply #6 on: August 10, 2018, 11:27:50 am »
i put in ETFs and stocks.
i put in alternate investments too

*

Junior_Admin

  • ******
  • Administrator
  • 208 0
    • View Profile
Re: What do U invest with ur monthly salary?
« Reply #7 on: August 10, 2018, 11:29:18 am »
i put in ETFs and stocks.
i put in alternate investments too

alternate investments not for everyone. i personally been collecting 3% per month from some alternate investments.
but not for everyone, the minimum is like 20k to 50k.
Petalbytes serve ladies. Any questions, please PM me =)

*

beaverjuice

  • *****
  • Global Moderator
  • 8844 16
  • Road to Perdition
    • View Profile
Re: What do U invest with ur monthly salary?
« Reply #8 on: August 10, 2018, 12:01:10 pm »
alternate investments not for everyone. i personally been collecting 3% per month from some alternate investments.
but not for everyone, the minimum is like 20k to 50k.

What kind of alternatives?
Crypto-currencies?
P2P-lending?
Wine?
"A man who has depths in his shame meets his destiny and his delicate decisions upon paths which few ever reach."

*

Junior_Admin

  • ******
  • Administrator
  • 208 0
    • View Profile
Re: What do U invest with ur monthly salary?
« Reply #9 on: August 10, 2018, 12:42:00 pm »
What kind of alternatives?
Crypto-currencies?
P2P-lending?
Wine?

eh a bit different ba, i think the closest is P2P-lending.
payout 3% every month... doing it for 3 years liao

uncle beaver, long time no chat. you also damn sophisticated... don't do wine le... i think wine damn hard to judge the correct price to go in because it is so subjective
Petalbytes serve ladies. Any questions, please PM me =)

*

beaverjuice

  • *****
  • Global Moderator
  • 8844 16
  • Road to Perdition
    • View Profile
Re: What do U invest with ur monthly salary?
« Reply #10 on: August 10, 2018, 02:50:25 pm »
eh a bit different ba, i think the closest is P2P-lending.
payout 3% every month... doing it for 3 years liao

uncle beaver, long time no chat. you also damn sophisticated... don't do wine le... i think wine damn hard to judge the correct price to go in because it is so subjective

Ermmm .... me no sophisticated .... me do normal REIT investment and some unit trust/ETF ....

Last time i do loan-shark is 200% per week returns .... but now old liao cannot run fast ....

PS: 3% for P2P lending is too little ROI for the level of risk assumed in my mind ...
"A man who has depths in his shame meets his destiny and his delicate decisions upon paths which few ever reach."

*

Junior_Admin

  • ******
  • Administrator
  • 208 0
    • View Profile
Re: What do U invest with ur monthly salary?
« Reply #11 on: August 13, 2018, 08:39:42 am »
Ermmm .... me no sophisticated .... me do normal REIT investment and some unit trust/ETF ....

Last time i do loan-shark is 200% per week returns .... but now old liao cannot run fast ....

PS: 3% for P2P lending is too little ROI for the level of risk assumed in my mind ...

for a proper risk-return, 3% is indeed too little ROI if u referring to loanshark mah... lol
mine p2p is has safeguards, more or less has protected capital features, hence only 3% per month.

i have less protected risk-returns p2p that gives 16% per month... less protections though :(
Petalbytes serve ladies. Any questions, please PM me =)

*

beaverjuice

  • *****
  • Global Moderator
  • 8844 16
  • Road to Perdition
    • View Profile
Re: What do U invest with ur monthly salary?
« Reply #12 on: August 13, 2018, 09:40:56 am »
for a proper risk-return, 3% is indeed too little ROI if u referring to loanshark mah... lol
mine p2p is has safeguards, more or less has protected capital features, hence only 3% per month.

i have less protected risk-returns p2p that gives 16% per month... less protections though :(

I read that in China many P2P sites have gg liao .....

the capital protected features of the 3% P2P sounds interesting - so the risk is mainly counter-party risk?  ie. the risk of the platform going bankrupt or run-road?

do you know the names of the parties that you are lending to?  assume that these are unrated names otherwise they would have gone through the normal capital market channels to raise funds?
« Last Edit: August 13, 2018, 09:42:34 am by beaverjuice »
"A man who has depths in his shame meets his destiny and his delicate decisions upon paths which few ever reach."

*

Junior_Admin

  • ******
  • Administrator
  • 208 0
    • View Profile
Re: What do U invest with ur monthly salary?
« Reply #13 on: August 13, 2018, 12:03:42 pm »
I read that in China many P2P sites have gg liao .....

the capital protected features of the 3% P2P sounds interesting - so the risk is mainly counter-party risk?  ie. the risk of the platform going bankrupt or run-road?

do you know the names of the parties that you are lending to?  assume that these are unrated names otherwise they would have gone through the normal capital market channels to raise funds?

yeah i know the person directly, who uses life insurance as protection.
nothing is 100% in life... if he wants to cheat and run away, there is always this bad risk :(
for 3% per month, i am happy for the past 3 years.....

he took it for higher return stuff, and if i am not wrong, he reaching his own target soon ba.
maybe close shop soon =)
Petalbytes serve ladies. Any questions, please PM me =)

*

beaverjuice

  • *****
  • Global Moderator
  • 8844 16
  • Road to Perdition
    • View Profile
Re: What do U invest with ur monthly salary?
« Reply #14 on: August 13, 2018, 12:21:34 pm »
yeah i know the person directly, who uses life insurance as protection.
nothing is 100% in life... if he wants to cheat and run away, there is always this bad risk :(
for 3% per month, i am happy for the past 3 years.....

he took it for higher return stuff, and if i am not wrong, he reaching his own target soon ba.
maybe close shop soon =)

I saw this in Bloomberg recently so I thought to share with those vested in P2P
https://www.bloomberg.com/news/articles/2018-07-20/china-s-p2p-platform-failures-surge-as-panic-spreads-in-market

never entrust your money to si chow ah-tiongs .... >:(
"A man who has depths in his shame meets his destiny and his delicate decisions upon paths which few ever reach."