This is really just a rule of thumb with the general understanding that risk appetite should decrease with increased age. However, everyone should decide for oneself how much risk is acceptable. One can be very young yet hold only a small percentage in stock and higher percentage in bonds if one is uncomfortable with paper losses. It also depends on the macro situation. For example, in the last 2-3 years, bonds and stocks have both gone down and fixed deposits offer fairly reasonable returns of 3-5% annually. In this case, cash is probably better than even bonds. Additionally, not all stocks are the same. Generally, people invest in US stocks for capital gains and SREITs for dividend income. The runway to returns for developing economies tend to be longer than developed markets. Thus, w

Replying to @MHh: @SPOT_ON @Fenger1188 @DiAngel @AliceSam @rL @Kaixiang @HelenJanet @Universe宇宙 @SR050321 @Success88 come join!//@MHh</

$LION-OCBC HSTECH ETF S$(HST.SI)$the momentum should continue based on the US market last Friday.        The only downside is rising covid-19 cases in China could ruin sentiment a bit. But, it seems like zero covid-19 policy announced with some lock downs but most other parts arelife as per normal. We shall see...hopefully the momentum can continue    

The ‘gold’ standard in singapore is at least a million dollars if it is for retirement. For rainy days, the typical advice is at least 3 to 6 months of expense. This of course can vary. For me, I have 2 elderly parents to provide for. So, i would prefer to have 1 full year of salary to provide for myself, my dependents and rainy days for my dependents too. At the same time, i continue to invest and save for retirement. As with most kiasu Singaporeans, it’s about accumulating as much as possible to allow for both quality of life and for crazy rainy days. With the current inflation, 1 million is probably an old target. 1.5-2million is more likely the sum with both inflation and increased life span (yet not wanting to work all life)

2022: A test of conviction 2022 is a painful year for many. Almost all investment classes from stocks to bonds andeven cryptocurrencies plunged. Markets from US to HK to SG fell as well. My portfolio was not spared too. On tiger brokers, my portfolio is largely in the HK/CHN and SG market. HK for the tech and China broad marketand SG mainly the SREITS to target growth and dividend respectively. I only exited $WILMAR INTERNATIONAL LIMITED(F34.SI)$ this year when it was at a high when the war broke out and made a tiny progit. Original plan was to buy back when it hits $3.80 but there were other stocks that was hit then and I prioritise my SREITs again. Looks like it's too late to add back now butwe shall see. No losses this year as

I visit Malaysia on weekends but not every weekend. I go there once every few months for good and cheap food, services such as massage, pedicure, manicure, hair cut and colour. Services are generally about half price of Singapore which makes it worthwhile to travel over. Clothes are also cheaper at Malaysia than Singapore. Clothes in value in Malaysia is the same as Singapore but in RM! Due to the exchange rate, price is about a third of Singapore. There is also outlet at Malaysia which makes buying branded goods easy.  I do know many Singaporeans go over for grocery shopping and to pump petrol. I don't do both as I find it risky to drive in and grocery shopping is too heavy to try to carry it over the causeway using public transport  

Sleep normally. Because im an investor, not trader. Buy only what i know and can understand, and more importantly within my risk appetite and time horizon. Having emergency fund settled and necessary insurance is also a given!

I don't think he will just pay the board $0, effectively what he means is he will fire them!After accepting to be part of the board and then rejecting seems to suggest that they are unable to work together or have different thoughts on how to take the company forward. He might just fire them in the name of being able to implement the changes necessary 'to unlock the potential' of Twitter. The next question of what's next is tricky. Inrecent times, his behaviour is clearly one that invites controversy. In the name of free speech, his speech has not been consistent with his actions too. He has ranted much about the need for the ability to edit amongst other complaints. He also has slammed Twitter repeatedly about hindering free speech.There are many suggestions by him&nbs

My US portfolio is definitely down but my HK portfolio and SREITs have generally gone up. I would say I’ve lost money because I’ve not bought much US stocks compared to my HK stocks and I do have time to wait out for the next rally. Moving forward, I won’t buy heavily into US stocks. I will be waiting for a good opportunity to take profit. I think the current US stocks is only safe for swing trading and to trade on news. I will also adopt the same strategy for my HK stocks given the rally so far even though valuation is still cheap. This is because stock can always drop especially with fears of trade wars, HK stocks have shown to be volatile and quick for a sharp drop with news that investors don’t like, and many might be taking profit already. Although I count myself as an investor, the v

I asked if I should buy popmart now. It said, Conclusion Pop Mart shows strong IP-driven growth momentum with successful collaborations and international expansion. However, the stock trades at premium valuations that already reflect much of this optimism. Short-term traders might find opportunities in volatility around new product launches (e.g., THE MONSTERS chess series on 21–22 Feb), while long-term investors should monitor execution risks and valuation discipline. Very useful. Gave me information on the upcoming release that will provide more upward momentum. Will consider re-entering. @Fenger1188 @Universe宇宙 @Success88 <

Why did you choose Tiger？Many reasons! 1) As a practical investor, I looked at fees and markets available that I can invest in. As I am bullish over China, one of the deciding factor was that Tiger allows me to trade in the China and Hong Kong market; not many brokers allows direct investment in the China market. As for Hong Kong, the fees are probably one of the cheapest available. As a newcomer then, I also had free commission trades which make it even more attractive for me. At that time, it was also commission-free trading for SG market. The majority of my holdings are in SREITs. Thus, makes perfect sense for me to use Tiger brokers!Although the fees are now still attractive compared to other brokers, I of course, hope for further reduction! It would also be great if commission-free tr

I think Musk confuses freedom of speech and responsible speech. He frequently goes back on his promises and doesn't mean what he says- I think to him, that is the meaning offreedom. That aside, I think more pain will come. Recession looks inevitable and inflation is still high. Higher rates also make it more expensive to get a loan to buy a car. Consumers are generally very price sensitive to big ticket items and I do not see why buying EVs should be an exception. I have always been of the view that EVs will be the future but this is a competitive space. Other EV makers are rising up to close the gap and at the end of the day, it is not just novelty to consumers. The model, function, price are just some of the many factors that consumers will consider before making the purchase. I wou

If you are bullish on China, want a diversified buy and don't want forex risk, can consider $Lion-OSPL China L S$(YYY.SI)$.This ETF tracks the Hang Seng Stock Connect China 80 Index, giving you access across all sectors and industries. Top 10 holdings are familiar names to most people. Some of them are tech companies and therefore overlaps with the Hang Seng Tech index or $Lion-OCBC Sec HSTECH S$(HST.SI)$. Companies such as Tencent, Meituan are overlaps but percentages of exposure are different. One thing to note, Alibaba is NOT included in this. So depending whether you love or hate Alibaba, this is something to consider.The other advantage is by virtue of it tracking the Hang Seng Sto

$LION-OCBC HSTECH ETF S$(HST.SI)$Based on yesterday's and overnight US ADRs trends Looks like the rebound is happening. Let's see if it will last... Uncertainty is still present. Rebounding fromthe oversold cause and some bargain hunting? Thinking of averaging down but the lows has been repeatedly challenged or revisited or gotten lower....      Yet, selling to realise loss is too drastic. Takes much faith in them...

Previously shared on $Vanguard Total Stock Market ETF(VTI)$and mentioned that it is a little under for emerging markets. If you like to specifically have exposure to emerging markets such as China, Brazil etc or simply want to boost/ complement $Vanguard Total Stock Market ETF(VTI)$, can consider $Vanguard FTSE Emerging Markets ETF(VWO)$.It has expense ratio of only 0.08% so this is a really cost efficient way to gain exposure. However, for Singapore investors, there will be 30% withholding tax for dividends.The upside for emerging markets is high, but the converse is also true. So consider this only if you intend to have medium term exposure of at least 3 to 5 year

I did not enter into cryptocurrency because it is not something I’m familiar with or can stomach the risk with it. It has soared with trump but moving forward in 2025, I still prefer to stick to stocks that I’m familiar with and ETFs have remained a safe bet. In terms of returns, a bit slow but definitely steady!

I would expect target price to be about $6-7. Was about $8.50 before covid. Don't expect it to reach its previous level any time soon given the huge debts it is now in. Inflation, especially rising fuel costs will also eat into its profits. Fuel costs prior to covid-19 and having to add new planes were already a big part of spending. It also needs to service its planes and hire back some of its previous manpower. Some of them might have also changed industries for good and unwilling to take the risk of moving back after 2 years. Re-hired manpower might need some re-training too. I do expect some new hires and higher training costs for full training versus refresher courses. I am expecting rising manpower costs to also eat into profits. Before covid-1

He is too unpredictable, won’t know if he will delay or launch as expected. I believe that the robotaxi launch has already been priced in and I would prefer to take profits if I have this. Reaching $270 again is not unlikely given the current general market sentiments but I wouldn’t bank on it.

I use earnings to identify performing companies. I buy depending on price, regardless ofseason. During earnings seasons, prices are volatile. In general, good earnings drive prices up and makes it expensive to buy. Lousy earningsdrive prices down and then one need to lookinto the reason(s) for lousy earnings. If the reason(s) are temporal, then maybe one can consider a buy-in. Otherwise, I might even remove from my watch list. In this current fearful market, prices are even more volatile. Rate hikes, war, inflation and supply chain disruptions due to war or theCovid situation at China are all reasons to drive prices down independent of earnings or the company's fundamentals. So, i will be using earnings to relook at the companies and wait for a good price