Username
Password
Forget Password?
  1. Indices
  2. Commodities
  3. Currencies
Straits Times 3,127.74 +5.17 +0.17%
Hang Seng 26,048.72 -221.32 -0.84%
Dow Jones 26,252.24 +49.51 +0.19%
Shanghai Composite 2,883.44 +3.10 +0.11%
No. of Articles : 41
Quick Links »
Hand-Raised-Among-Others-Hands-4275615

AK: 2 Questions from a Reader

This is investment blogger AK’s recent email exchange with a reader, who asked him two questions.

  • 15 December 2015
  • Aspire, Thought Leaders
  • Back to top
    cpf-today

    AK: 2 Questions Answered by the Central Provident Fund Board

    The following is contributed by a reader: I have asked the CPF Board two questions and their response is appended below. I’ve edited the questions and part of the response to mask personal information. Hence, the flow of the reply may not make complete sense, but I trust that the key points of interest are in there. Feel free to reproduce it.

  • 09 December 2015
  • Aspire, Personal Finance, Thought Leaders
  • Back to top
    CPF_housing

    AK: Use CPF Savings or Cash to Pay for Our Home?

    I remember telling a friend who was disgruntled with the fact that that we don’t really have a choice about our CPF: It is like being married and not liking our mother-in-law.

  • 03 December 2015
  • Aspire, Thought Leaders
  • Back to top
    CPF

    AK: Exceeded CPF Minimum Sum; Where to Put the Money?

    If we have planned well, we should be able to meet and even exceed the CPF Minimum Sum when we reach age 55. If we should exceed the CPF Minimum Sum at age 55, we would be able to withdraw probably much more than a token $5,000 then.

  • 01 December 2015
  • Aspire, Thought Leaders
  • Back to top
    Retirement piggy bank

    AK: Is It Too Late to Plan for Retirement at Age 57?

    If I were 57, I must recognise that I cannot be too adventurous with my money. I need to be more conservative.

  • 13 November 2015
  • Aspire, Thought Leaders
  • Back to top
    Piggy Bank with savings formula

    The “Secret” to AK’s Success as an Investor

    Most of us are not born into a family of good investors. Those who are will have an advantage, for sure. For the vast majority of people, AK included, we might start the journey later in life and we might have to try a bit harder but unless we are severely disadvantaged, financial freedom is definitely not beyond us.

  • 03 November 2015
  • Aspire, Personal Finance, Thought Leaders
  • Back to top
    AK_28Oct_feature

    AK: Why Have Bonds in Portfolio and Which Ones?

    I had a lengthy conversation with a friend on bonds. He bought into Aspial’s 5 year bond that carries a coupon of 5.25 percent a few months ago at the recommendation of his father. When I asked him why his father recommended the bond to him, he said his father “felt good about it”.

  • 28 October 2015
  • Aspire, Personal Finance, Thought Leaders
  • Back to top
    AK article feature

    AK: Use Fixed Deposits for Emergency Fund and War Chest.

    In a few blog posts and comments, I have mentioned how I like to park emergency funds and a portion of my war chest in fixed deposits.

    Fixed deposits offer higher interest rates than savings accounts and are liquid enough to be considered near money. I have been asked before how I go about doing it and although I am pretty sure I have mentioned it before in my blog, I am not sure if I have done it clearly. Anyway, I guess I shall try to do a better job in this blog post.

  • 14 October 2015
  • Aspire, Thought Leaders
  • Back to top
    Financial Management

    AK: Know What is Financially Manageable and Guaranteed!

    As investors, we recognise that we could make investment mistakes. So, it is important to size our positions appropriately so that if an investment turned out to be a mistake, it would not sink our entire portfolio.It is partly about making losses financially manageable. So, what is financially manageable?

  • 06 October 2015
  • Aspire, Thought Leaders
  • Back to top
    passive income feature

    AK: 10 Sources of Passive Income from Non-REITS, 2015

    Some wonder if Mr. Market could go into a depression. I don’t know about that but I do know that many stocks became much more attractively priced in the last three months.

  • 01 October 2015
  • Aspire, Hot Picks, Thought Leaders
  • Back to top
    homeloanfeaturepic

    AK: Aim to Pay off Home Loan and Hit the Minimum Sum ASAP

    The title of the reader’s email was “CPF Haywire”. So, imagine my trepidation as I clicked on the email.

  • 28 September 2015
  • Aspire, Thought Leaders
  • Back to top
    twofriends_feature

    AK: A Story of Two Friends and Their CPF Savings

    I always enjoy a good story and Kai Xiang wrote a pretty good one to share with me. He has graciously allowed me to share the story here in ASSI.

  • 16 September 2015
  • Aspire, Thought Leaders
  • Back to top
    Mee-Siam

    AK: About REITs—Think Mee Siam When You Think about Optimum Profits

    Not long ago AK had a chat with an interested reader regarding the topic on REITs. The Reader is addressed as “F”, and below is a slightly edited version of their conversation, in which AK explained the difference between “maximum” and “optimal” using the example of a Mee Siam stall.

  • 09 September 2015
  • Aspire, Thought Leaders
  • Back to top
    thinkingman

    Risk averse and putting money in STI ETF, REITs or stocks?

    Buying into the local ETF is a good idea for people who do not have the time or inclination to do stock picking. I always say this. It allows anyone to participate in the health of Singapore’s economy. Long term investors who invest regularly should do reasonably well…Investing in stocks and REITs require more active management of your portfolio. I do not know if this would outperform or underperform the STI ETF. However, this should beat inflation by a comfortable margin.

  • 03 September 2015
  • Aspire, Personal Finance
  • Back to top
    AK_Financial-Security_feature

    Get the Most out of ASSI as We Embrace Financial Security

    These days, very often, when readers ask me questions, I would direct them to my blog’s “Search” function found at the top of the blog. What? You didn’t know there is one? Alamak, you must be reading my blog using your mobile phone all the time. The mobile friendly version of my blog shows the latest 5 blog posts and that’s about it. Apart from the “Search” function, the full web version of my blog also has plenty of useful links in the left and right side bars. There are links to recommended blog posts, the latest news and comments, for example.Having said this, I would like to share an inspirational email from a new reader who has made good use of the full web version of my blog over a short period of two months:

  • 02 September 2015
  • Aspire, Corporate Digest, Thought Leaders
  • Back to top
    o-HAPPY-OLDER-ASIAN-COUPLE-facebook

    How to Have Enough for Retirement and Do Charity?

    AK shares an email conversation with one of his readers, on how to make the best out of one’s savings to enable a smooth, early retirement, and also be able to give back to society and help those in need.

  • 24 August 2015
  • Aspire, Thought Leaders
  • Back to top
    bankrupt investor

    Feeling depressed about paper losses?

    Investing is an activity that comes with risks, which explains why some compare it to gambling. Most investors inevitably face losses at some point of time, but how much is too much, and what is the right mindset to adopt?

  • 07 August 2015
  • Aspire, Personal Finance
  • Back to top
    thinkingman

    Do I need a bigger home and what to do if I do?

    Housing is a topic that is close to our hearts. It would not be wrong to say that most people tend to be somewhat emotional when talking about our homes. After all, home is where the heart is.

  • 03 August 2015
  • Aspire, Personal Finance
  • Back to top
    HDB flat

    Should I sell my HDB flat to fund my condo purchase?

    All of us aspire to a better life, to give our families a better life. This is only normal. In Singapore, part of this aspiration to a better life for many is characterised by a desire to live in a condominium with full facilities and security.

  • 27 July 2015
  • Aspire, Personal Finance
  • Back to top
    thinkingman

    IREIT: My strategy in its 45 for 100 rights issue

    IREIT’s 45 for 100 rights issue is priced at $0.468 per rights unit. Links to the full details of the rights issue have been provided at the end of this blog post. So, I will only blog about the more interesting bits and my strategy.

  • 08 July 2015
  • Aspire, Hot Picks, Personal Finance
  • Back to top
    thinkingman

    Is it bad to receive regular dividends and to sit on cash?

    Many times, I have been asked what is the yield on my total portfolio. I have never bothered to answer the question for various reasons and, because, I don’t ever answer such questions, I don’t bother to find out what the answer might be.

  • 06 July 2015
  • Aspire, Personal Finance
  • Back to top
    thinkingman

    Do you know if your parents have (enough) H&S coverage?

    There are certain topics that many people avoid talking about at home. Money is one such topic. Sometimes, due to this reticence, we discover too late that someone in the family might be heading for a financial disaster or that someone in the family might not have certain necessary insurance protection.

  • 02 July 2015
  • Aspire, Personal Finance
  • Back to top
    Source: Telegraph

    How did AK create a 6 digits annual passive income?

    A new follower of AK’s blog asked an interesting question that many investors would like to find out themselves too. As such, AK shares 6 tips of how he created a 6-digit annual passive income.

  • 26 June 2015
  • Aspire, Personal Finance
  • Back to top
    thinkingman

    Some Questions To Ask When Tempted BY 12% Yield

    What do you do when you are offered a 12% yield or even more? Do you jump right into it or question this “good deal”? AK shares his opinion on risky investments and questions to ask oneself when faced with such a situation.

  • 24 June 2015
  • Aspire, Personal Finance
  • Back to top
    thinkingman

    Should I Sell My Investment To Lock In Gains? A Perspective.

    AK shares his email conversation with a reader about selling one’s investments to lock in gains. As such, AK provided a valuable response and advice, laying out the differences of investing for income and trading. Different investment objectives call for different investment strategies.

  • 22 June 2015
  • Aspire, Personal Finance
  • Back to top
    images

    AK: How To Look Out For Investment Scams

    Recently I got to know of a likely fraudulent company selling US distressed properties in a declining city. Thought I could clear some air about how fraudulent investment operations work.

  • 15 June 2015
  • Aspire, Personal Finance
  • Back to top
    2846money_sack

    AK: Want to create another stream of income with $500K?

    Not upgrading one’s lifestyle as one’s earned income improves is a simple way of helping to ensure a financially secure (and even financially free) future. Simple but is it easy? It is probably harder for some than others.

  • 02 June 2015
  • Aspire, Personal Finance
  • Back to top
    piggy bank

    AK: Singapore Savings Bond – Good or Not?

    Quite obviously, the Savings Bond (just like the CPF) is not created with HNW individuals in mind. It is meant to help the average Singaporean who is more of a saver and who wants a safe place to park his savings which will reward him with a higher interest rate compared to a paltry 0.1% paid by some banks for money in savings accounts now.

  • 20 May 2015
  • Aspire, Personal Finance
  • Back to top
    banner-1

    Tai Sin Electric: Nibbling for a 6.3% to 6.5% yield

    I was first introduced to Tai Sin Electric by a guest panelist, Paul Chen, at the third “Evening with AK and friends”. This was sometime at the end of March. I did some research into the company and also came across a well written article dated 24 Sep 2014 by Sean Seah. You might want to read it: here.

  • 13 May 2015
  • Aspire, Hot Picks
  • Back to top
    building_resized

    NeraTel’s Results Push Shares Down To $0.65, Time To Buy?

    I was somewhat surprised at the plunge since I remember that the full year 2014 results although not positive were flattish when compared to the year before. We don’t usually see big negative shifts in a single quarter in a business as usual scenario. So, it is important to ask whether the decline is due to something that has permanently damaged NeraTel’s ability to deliver the goods, so to speak.

  • 07 May 2015
  • Aspire, Hot Picks
  • Back to top
    FF

    How To Get $50K In Passive Income By Investing In Stocks?

    How to achieve $50K in passive income from investing in stocks? I think I blogged about this before many times in the past but not in recent times. There is really no magic. In summary…

  • 29 April 2015
  • Aspire, Personal Finance
  • Back to top
    genimage

    QAF Limited: $1.14 A Share Is Cheaper Than 93c A Share?

    One year ago, when QAF Limited’s stock was trading at 93c a share, I observed that the PE ratio was 16.6x and I said that to buy in at that price would be making an assumption that earnings could improve dramatically in the future.

    There were pertinent concerns such as rising costs of doing business as well as the weak Australian Dollar and how these could continue to weigh down performance.

  • 24 April 2015
  • Aspire, Hot Picks
  • Back to top
    saizen

    Saizen REIT: Deeply Undervalued But Not A Buy For All

    Regular readers know that I have been invested in Saizen REIT for a long time. Some might even be able to write a script for a K-drama based on my experience with the REIT. Anyway, if you are interested in the history, just use the search function found in the top right area of this blog. I shan’t bore you.

  • 08 April 2015
  • Aspire, Hot Picks
  • Back to top
    HDB1

    Get Income From Investments To Meet Interest Payments?

    I remember when I paid off my housing loan many years ago, the interest rate that the loan attracted was 5.1%. That was pretty pricey. For a few years now, interest rates have been very low and, so, it has been pretty cheap for people to borrow money to help pay for their homes.

  • 25 March 2015
  • Aspire, Personal Finance
  • Back to top
    Yongnam

    Yongnam At $0.161 Is Cheap, Here’s Why You Should Buy It – AK (ASSI)

    When I first invested in Yongnam, it was beginning to reward shareholders by paying dividends and being the biggest outside of Japan in what they do, I decided that they probably had a competitive advantage over smaller players.

  • 03 March 2015
  • Aspire, Hot Picks
  • Back to top
    CPF

    Proposed Changes To The CPF System (Part I) – AK (ASSI)

    The recent proposed changes to the CPF system in Singapore has made many stand up and take notice. Find out what our guest blogger thinks about the latest!

  • 09 February 2015
  • Aspire, Investments
  • Back to top
    merger

    A Tale Of Two Keppels: Win, Lose Or Draw? – AK (ASSI)

    After declaring a generous dividend per share of $0.36, Keppel Corp announced a string of developments that can be quite worrying for those who are invested in the company. Read on to find out why!

  • 26 January 2015
  • Aspire, Hot Picks
  • Back to top
    Buy Hold And Sell Signpost Representing Stocks Strategy

    SembCorp Industries and SembCorp Marine To Recover? – AK (ASSI)

    Based on technical analysis, Sembcorp Industries and Sembcorp Marine look promising.

  • 23 January 2015
  • Aspire, Hot Picks
  • Back to top
    Experts-Picks

    Lessons From Disastrous Property Investments: AK (ASSI)

    I read in The EDGE that there will most likely be “a new level of pain” for landlords of residential properties in Singapore next year because rents and prices of properties are sinking while vacancy rate continues to rise.

  • 30 December 2014
  • Aspire, Personal Finance
  • Back to top
    Stock-picks

    Hock Lian Seng: Robust Order Book At A 3 Year High

    Hock Lian Seng pays out about 40% of its earnings as dividends to shareholders every year and the yield is upwards of 5%. However, that could soon change as analysts start to cover the counter.

  • 15 December 2014
  • Aspire, Hot Picks
  • Back to top
    high-yield

    Accordia Golf Trust: A Distribution Yield Of 12.16%?

    After its recent price drop, Accordia Golf Trust’s impending income distribution looks really interesting.

  • 12 December 2014
  • Aspire, Hot Picks
  • Back to top
    ADVERTISEMENT
    ADVERTISEMENT
    Top 5 Today
    All Rights Reserved. Pioneers & Leaders (Publishers) Pte Ltd. Best viewed with Mozilla Firefox 3.5 and above.