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Viewing By Category : Personal Finance   |   No. of Articles : 36
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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.

  • AK(ASSI)
  • 09 December 2015
  • Aspire, Personal Finance, Thought Leaders
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    robert_kiyosaki_feature

    Robert Kiyosaki: Savers are Losers

    Author of “Rich Dad Poor Dad”, Robert Kiyosaki, in his latest book is telling millennials to not save money. He advocates that “saving is for losers” and we should not follow the old rule where we go to school, get a job, work hard, save money and invest long term in the stock market.

  • Raymond Leung
  • 04 December 2015
  • Aspire, Personal Finance, Thought Leaders
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    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.

  • AK(ASSI)
  • 03 November 2015
  • Aspire, Personal Finance, Thought Leaders
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    purse from which emerge dollars

    Bloomberg: An Investor’s Guide To Fees & Expenses

    It’s ridiculously hard for investors to figure out what they should be paying for financial advice, mutual funds, and retirement plans. A fee that eats up 1 percent of your assets every year might not sound like much, but it sucks money from your account year after year. If you invest $10,000 and earn 5 percent a year, that 1 percent fee will cost you a total of $1,487 after 10 years and $4,622 after 20 years. How do you know if you’re paying too much?

  • Bloomberg
  • 30 October 2015
  • Aspire, Investments, Personal Finance
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    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”.

  • AK(ASSI)
  • 28 October 2015
  • Aspire, Personal Finance, Thought Leaders
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    CPF feature

    GE2015: How 3 Parties’ CPF Proposals Will Affect You

    The General Election is just around the corner, and as expected, the issue of Central Provident Fund (CPF) is fiercely debated between PAP and the opposition parties. So, what exactly do the latter want for a change?

  • Chen Xushuang
  • 09 September 2015
  • Aspire, Personal Finance
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    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.

  • AK(ASSI)
  • 03 September 2015
  • Aspire, Personal Finance
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    Save_Money-630x315

    Trade Or Invest, Choose One, Not Both: Barry Ritholtz

    It is an old cliche because it’s true: Trader’s should never let a bad trade turn into an investment; investors should never try to trade in and out or time the markets.

  • Bloomberg
  • 03 September 2015
  • Aspire, Personal Finance
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    sg-issue432-profchan-11-320x237

    Hold Off Your Excitement As Yuan Devaluation Sparks Stock Market Rout

    On 24 August, the global stock market went into a free-fall mode. The Dow Jones Industrial Average shed 588 points (3.6 percent) at closing after plummeting more than 1,000 points at the open.

  • 28 August 2015
  • Aspire, Dr Chan Yan Chong, Personal Finance, Thought Leaders
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    newlywed_feature

    Choosing a Flat for Newly-wed Couples

    One of the biggest headaches for newly-wed couples in Singapore should probably be choosing a suitable and affordable home. Although most of us are able to pay the down payments and the subsequent instalments through our Central Provident Fund (CPF) money, it would typically take a Singaporean couple one to two decades to pay off the housing loan.

  • Vance Wong
  • 24 August 2015
  • Aspire, Personal Finance, Thought Leaders
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    Buy Hold And Sell Signpost Representing Stocks Strategy

    Winning the Game of Stocks with Adam Khoo

    A widely known motivational speaker and best-selling author in Singapore, Adam Khoo shared his investment strategies for both retail and professional investors in his book, Winning the Game of Stocks! that was released earlier this year. Although Adam is better known for his inspirational workshops, he is also a professional investor and investment advisor for the Wealth Academy FX Growth Fund. One of the key highlights of his book is explaining how one can actually become a millionaire by investing on an average salary.

  • Vance Wong
  • 20 August 2015
  • Aspire, Investments, Personal Finance, Thought Leaders
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    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?

  • AK(ASSI)
  • 07 August 2015
  • Aspire, Personal Finance
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    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.

  • AK(ASSI)
  • 03 August 2015
  • Aspire, Personal Finance
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    bullseye

    Do It Right, Profits Will Come Naturally

    Many average traders out there do what they do just for the sole purpose of earning profits from the stock market. In reality, how many traders are actually making sustainable profits that will ultimately lead them to financial freedom? Not many, of course.

  • Vance Wong
  • 30 July 2015
  • Aspire, Personal Finance, Thought Leaders
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    Source: alternet

    UBS: Psychology Behind Most Investors

    Many investors and economists have always been trying to find out some concrete reasons of price implications, mainly because of investor behaviour. Understanding investor behaviour would not guarantee spot-on investment predictions, but provides a rough idea of how and when the general market would sway.

  • Vance Wong
  • 29 July 2015
  • Aspire, Investments, Personal Finance
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    gold

    Gold: Don’t Catch the Falling Knife

    Gold marked its 10th straight day of losses last Wednesday, in the longest losing streak for the precious metal in almost 20 years. While gold investors are hoping that the slump is over, many analysts and traders are doubtful, claiming that the collapse isn’t over yet.

  • Lim Si Jie
  • 29 July 2015
  • Aspire, Personal Finance
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    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.

  • AK(ASSI)
  • 27 July 2015
  • Aspire, Personal Finance
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    IPO 4x3

    Choo Chiang Holdings: IPO Possible Cashing Out For Owners

    Choo Chiang Holdings (“CCH” or the “Company”) is offering 33.28m shares at $0.35 each. 1m shares will be by public offer and the rest via placement. The offer will close on 27 July at 12pm and starts trading on 29 July. The market cap will be around S$72.8m

  • Mr.IPO
  • 24 July 2015
  • Aspire, Personal Finance
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    wallst

    Five Things Wall Street Strategists Are Watching During Earnings

    With companies making up about 75 percent of the Standard & Poor’s 500 Index’s market value scheduled to report results over the next three weeks, here’s what Wall Street strategists are paying special attention to.

  • Bloomberg
  • 15 July 2015
  • Aspire, Investments, Personal Finance
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    Grexit-Eurozone

    Citi: Grexit Impact Different From 2011

    The Straits Times Index (STI) dropped by about six percent from its recent high, particularly because of the Greek Crisis. However, Citi Research points out that the previous eurozone debt crisis caused a 16 percent plunge, a substantially larger impact.

  • Vance Wong
  • 15 July 2015
  • Aspire, Hot Picks, Personal Finance
  • Back to top
    soap_bubble_bursting_bokeh-wallpaper-1024x768

    CIMB: Liquidity Key To A-shares Bubble

    The Shanghai Composite Index (SHCOMP) has faced its first and steepest loss in a week yet since 2008 after its recent rally over the past year. This was largely due to concerns about the Chinese government clamping down on margin-trading, and generally high valuations in the market.

  • Lim Si Jie
  • 15 July 2015
  • Aspire, Personal Finance
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    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.

  • AK(ASSI)
  • 08 July 2015
  • Aspire, Hot Picks, Personal Finance
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    Daniel Loh 1

    Daniel Loh: Don’t Worry About Greece; STI To Rise!

    Just earlier this week on Monday morning (SGT), Greece has announced that they will not default on their loans. Is this good news for local investors? Local investment guru, Daniel Loh, thinks that while global markets fear that Greece will eventually default, its impact will not be as great as many would expect.

  • Vance Wong
  • 08 July 2015
  • Aspire, Personal Finance, Thought Leaders
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    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.

  • AK(ASSI)
  • 06 July 2015
  • Aspire, Personal Finance
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    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.

  • AK(ASSI)
  • 02 July 2015
  • Aspire, Personal Finance
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    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.

  • AK(ASSI)
  • 26 June 2015
  • Aspire, Personal Finance
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    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.

  • AK(ASSI)
  • 24 June 2015
  • Aspire, Personal Finance
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    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.

  • AK(ASSI)
  • 22 June 2015
  • Aspire, Personal Finance
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    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.

  • AK(ASSI)
  • 15 June 2015
  • Aspire, Personal Finance
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    Processed with VSCOcam with m5 preset

    Phillip: Dogs Of STI Offer Superior Returns!

    Dogs of Dow (DoD) is a stock picking strategy that selects the ten highest dividend paying stocks with the worst performing returns in the Dow Jones Industrial Average (DJIA). Phillip Securities explains that the contrarian way of investing using the DoD strategy can prove to be worthwhile just because of the dividend yields.

  • Lim Si Jie
  • 08 June 2015
  • Aspire, Personal Finance
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    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.

  • AK(ASSI)
  • 02 June 2015
  • Aspire, Personal Finance
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    img1

    UOB’s Trading Strategy Guide For Investors

    As an investor, we are always looking to triumph over the market and achieve the elusive alpha return. However, many investors forget a simple and important yet forgotten rule that could greatly improve our chance: adopt a disciplined trading strategy that can be repeated consistently.

  • Lim Si Jie
  • 28 May 2015
  • Aspire, Personal Finance
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    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.

  • AK(ASSI)
  • 20 May 2015
  • Aspire, Personal Finance
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    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…

  • AK(ASSI)
  • 29 April 2015
  • Aspire, Personal Finance
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    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.

  • AK(ASSI)
  • 25 March 2015
  • Aspire, Personal Finance
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    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.

  • AK(ASSI)
  • 30 December 2014
  • Aspire, Personal Finance
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