The story of my Investment Linked Policy (ILP)

Okay, this is it.

It’s finally time for me to tell you the story of my Investment Linked Policy. After much procrastination (ever since I started this blog, in fact), I’m ready to face my mistakes and tell you guys about it.

I’ll show you the numbers, alright. I’ll tell you why it was a mistake and why I wouldn’t get one anymore.

But I’ll also tell you the benefits of having one. It’s not all 100% bad, although I’ve surpassed the stage where having an ILP benefits me. But it may benefit you, and you can decide if it’s suitable for you or not.

But nah, no more ILPs for me.

Here’s why. Continue reading “The story of my Investment Linked Policy (ILP)”

ComfortDelgro – 2Q/1H 2017 Financial Results Analysis

With the recent release of ComfortDelgro 2nd Quarter financial results for 2017 on 11th August 2017, I saw a lot of brackets. Brackets, as you know, represents a decline in financial status as compared to the previous year’s results, and can have a negative or positive effect.

I would not say that this is their best performing quarter. In fact, many of their business segments have reported a decline in revenue except for their Public Transport and Driving Centre Services. Continue reading “ComfortDelgro – 2Q/1H 2017 Financial Results Analysis”

Book Review: A Random Walk Down Wall Street by Burton G. Malkiel

I have just finished reading A Random Walk Down Wall Street by Burton G. Malkiel. This time, I borrowed the book free from National Library Board! Woohoo! It was actually by chance that I picked up this book. I remember going to the library just half an hour before their closing time and just randomly picked this book in a hurry. I guess it is just fate that I had to read this book. :p

Through this experience though, I realized that NLB has quite a good selection of books! It would be one of my frequent hangouts from now on. ^_^

I actually learned quite a lot from Random Walk. The content is pretty comprehensive and offers a similar vibe to The Intelligent Investor, although it is slightly more optimistic. The book consists of quite a few chapters which would be good in explaining certain key concepts. Just to name a few: Continue reading “Book Review: A Random Walk Down Wall Street by Burton G. Malkiel”

Cheap and Good – 5 Money saving tips for Malaysia/Thailand trips

In continuation to my previous post on my travels from Singapore to Thailand by land, I’ve decided to also blog about some money saving tips that I found out by accident during my vacation while they are still fresh in my memory. This feeling is a bitter sweet one because it made me realize how much money I have “lost” during my previous travels to Malaysia and Bangkok.

Oh well, I guess it’s never too late, only later. >_<

Anyway, since this trip isn’t a conventional one as I traveled by land and it was also my first time visiting Ipoh, it offered me different alternatives on how to get what I need as compared to arriving at Suvarnabhumi Airport. Counting the number of actual hours of traveling, it amounted to almost 30 hours! Phew! Continue reading “Cheap and Good – 5 Money saving tips for Malaysia/Thailand trips”

$800k HDB apartment for 8k monthly income?

I attended a gathering with some of my friends last week. It has been some time since we last met and updated ourselves with the happenings in our lives and other mutual friends. I was utterly surprised to find out that one of my friends who was getting married very soon bought a resale HDB flat for $800k+.

I had to be conscious enough to make sure that my jaw didn’t drop to the floor. So was the same initial reaction of the person who told me this piece of news. Continue reading “$800k HDB apartment for 8k monthly income?”

Investing in ComfortDelgro is a mistake?

Just recently, I bought some shares in ComfortDelgro and also shared that in my portfolio updates for July 2017. I have signed up for the Technical Events alerts under my POEMs account. Everyday, they will send a list of stocks that are either “bearish” or “bullish” after going through some form of automated technical analysis called Chartwhiz. Not that I am actually interested in the analysis itself, but because I am still new in the stock market so I get exposed to the different stocks and their names.

It just so happened that ComfortDelgro appeared in the “bearish” section a couple of times. Continue reading “Investing in ComfortDelgro is a mistake?”

Miss Niao’s Portfolio Numbers Revealed

I’ve received a request from Matthew Seah for details on my portfolio. I did not realize that the settings for my existing portfolio at StocksCafe was private by default. Well then, I guess I’m ready for that to change.

I’ve updated my portfolio preferences to be open to everyone, but with the exact figures and transactions unrevealed still. This way, you can see what holdings I currently have and how my portfolio is doing overall.

There are a few reasons why I chose to do this. Continue reading “Miss Niao’s Portfolio Numbers Revealed”