"Accumulating your initial $100k poses the greatest challenge, while surpassing that milestone to reach $1M and beyond becomes easier." That is especially hard to agree with. When I started out on my first job, I was single and had no burdens. That was back in 2001. Being a navigator doesn't make things any worse. I didn't have much chance to spend my salary when I'm spending most of my time onboard vessels. After giving to my parents and for my own expenses, I saved at least 60% or more every month. I started investing in 2007. When I ended my 10 year contract in 2011, I was given a 10 months bonus. With that, I easily hit the 100k mark. Fast forwards to 12 years later. I'm married, owns a HDB and with 3 kids in tow. With all these commitments, I'm barely pulling through and only managin

As the saying goes, greed comes before a fall It sure seems to be an easy way to earn fast cash by jumping onto this AI train But this money making machine could also turn into a deadly value trap if invest too much and/or not quick enough to jump off the train in time I've narrowly escaped such a fate once, so I'll not be so eager to do it again I had my scare during the lockdown phase of covid when I bought shares in glove making companies such as UG Healthcare, Top Glove and Riverstone when demand for such products spiked The share price shot up rapidly needless to say Production ramped up to meet the huge demand, everything from share price appreciation to dividends were spectacular But when demand started dropping, the share price tumbled as well I was lucky to exit just in time w

Replying to @Furore:Recent investments after covid are mostly in the red as well Only Nvidia helped me earned more than 100% in capital appreciation, which I had long sold Being a huge REIT investor, it just doesn't help make things any better in such a high interest rate environment//@Furore:Cashwise richer... Net value and quality of life? Poorer... Started putting aside a bit more cash a month than I used to before covid, so in terms of liquid cash, richer In terms of net value and quality of life, definitely poorer. All my investments can't go back to where they were before covid with huge paper losses. Salary stayed same, lucky enough to keep my job, no year end bonuses but ye

Cashwise richer... Net value and quality of life? Poorer... Started putting aside a bit more cash a month than I used to before covid, so in terms of liquid cash, richer In terms of net value and quality of life, definitely poorer. All my investments can't go back to where they were before covid with huge paper losses. Salary stayed same, lucky enough to keep my job, no year end bonuses but yet have to put up with rising costs of practically everything. From food, to transport, to utilities, even all the way to GST going up twice in a row from 7% to 9% soon. GST increases by 2% in such a short time, but I don't even see a 0.000001% increase in my salary. It feels exactly like getting a pay cut right after another pay cut. From going karaoke to drinking with friends, high tea followed by bu

Usually when people invest, they mainly go for two things. One is capital appreciation in the form of share price appreciation or passive income in the form of dividend payouts or both. If it is just for passive income, it would be easier. Just go for dividend stocks or bonds. But if the motive is more of capital appreciation, it could be harder to predict which particular company's share price would go up. So what stocks would go up soon? I shall try to answer that.  With the recovery of air travel after covid, hospitality and air travel related stocks are always in the spotlight. But will these stocks really go up and when is the time that they would perform? For those that are vested in air travel and hospitality related stocks or are interested to invest in these stocks, this woul

Short term bullish outlook for CDG? $COMFORTDELGRO CORPORATION LTD(C52.SI)$  (CDG) recently announced an increase in flagdown, distances and waiting times fares. There will be a S$0.50 increase in flagdown fares, a S$0.01 increase for distances and waiting times to S$0.26 for its regular fleet. Whereas its limousine taxi will maintain the original flagdown fares with S$0.01 increase for distances and waiting times to S$0.36. Under the revised fare structure, the company estimated that cab fares for a 10km off-peak normal taxi trip will be 6.8% higher. CDG will also extend peak hour surcharge for all taxis by one hour to cover the period from 5pm to 11.59pm (previously 6pm to 11.59pm), effective Monday through

Covered Calls ETFs I've been buying RYLD regularly for a year plus, as I was pretty much attracted to its purportedly high monthly dividend payout with a dividend yield of around 11% to 12%. That should give me around 8% returns after withholding tax deductions. The low prices also meant that I could buy in bit by bit, month in month out without much commitment.  After monitoring the stock holdings I have in RYLD and the net position after taking the dividends into consideration, I noticed that it had been mostly in the red to at most borderline profitability much to my chagrin. Although the monthly dividends were nice, the share price had been dropping consistently. So I went and did a simple comparison between the more popular covered calls ETFs to see if I've made a wrong investmen

$Food Empire(F03.SI)$   (FEH) General Outlook Food Empire's stock has done very well, rising from 65 cents at the start of the year to $1.07 recently. The market looks persuaded that Food Empire's business of selling 3-in-1 coffee is resilient. It has proven its management's execution capability with its strong track record. On top of its strong quarterly results, Food Empire has been buying back its shares frequently and paying dividends, and can be expected to continue to do so. Further share buybacks would support the stock price. Dual listing in SG & HK With its recent announcement of its interest in dual-listing the stock in HK, management hopefully can make a strong case why this is positive for shareholders given the lukewarm rec

$Lendlease Global Commercial REIT(JYEU.SI)$ (LREIT)- Emerging dominant retail play LREIT is a hidden gem with the potential to emerge as a strong contender within the retail S-REIT space. With JEM in the bag, the risk-reward profile for LREIT has turned more favourable with higher growth visibility, while it rides on the rebound of its key assets 313@Somerset and JEM. Operating metrices continue to be strong with 313@Somerset's tenant sales hitting past pre-COVID levels. Occupancy cost (c.15%-18%) are at healthy levels, implying upside for rents. It is anticipated (i) Higher GTO rental benching on record high sales, (ii) moderation of passing rents to match FY19 levels, and (iii) Easing cost pressures to drive hig

ST Engineering - Bullish long term outlook $SINGAPORE TECH ENGINEERING LTD(S63.SI)$ announced that its shipbuilding arm, ST Marine, has been awarded a contract by the Ministry of Defence (MINDEF) for the detailed design and construction of six Multi-Role Combat Vessels (MRCVs) for the Republic of Singapore Navy (RSN). MRCVs are a type of naval warship that is designed to be versatile and flexible, capable of performing multiple roles in combat operations and combine the capabilities of several types of traditional warships, such as frigates, destroyers, and amphibious assault ships, into a single platform. The new MRCVs, upon delivery from 2028 onwards, will replace the existing Victory-class Missile Corvettes (MC

Fastest way to earn Tiger coins - Clock in everyday - Complete daily quests (everyday)  - Leave a comment and tag at least 4 friends on Daily Discussion every weekday - Join reward discussion topics like this one too earn additional coins  - Take part in Tiger events - Write articles or posts, which are meaningful and helpful and you may earn 200 Tiger coins if it gets picked I guess that's about all on how to earn Tiger coins in various different ways. If anyone has any good ideas which I've left out or not even aware of, please leave a comment and share it with everyone.  Before I end this, maybe I'll just share a very useful tip. I hope Tiger won't make changes and make my tip useless after reading this. A lot of us keeps complaining and giving feedback that warm up likes

$Tesla Motors(TSLA)$  Hard for Tesla to maintain the 200 price range as the Feb pullback has already started. Could be a chance to buy on dips, personally waiting to see if it'll drop below 180. Market may trade sideways from now until March after the pullback ends.

The recent bull has pushed up share prices by quite a lot in the recent few weeks. A pullback is in force now. May expect the market to trade sideways for a while more, maybe until March. Will need good news to push up the market further. Could be a good chance to accumulate on the dips now. 

Still tied to a very big paper loss Was waiting for it to drop below 100 before I buy, but I guess that's really a bad decision

Michael Crichton is my favourite author. It's really a pity that he passed on so early in life. He had unfinished works as well as unpublished works at the time of his death. The world would have more fabulous books penned by him if he had lived longer. When anyone talks about Michael Crichton, the first thing that comes into most people's minds would be Jurassic Park. Quite understandable as it is one of the best sellers of all times, both books and movie franchise. Jurassic Park wasn't among the first few of his books that I read though. The first book was The Great Train Robbery, followed by Eaters of the Dead and the next which I enjoyed the most was Travels. Till date, I've read almost every single book by him. My New Year's book list for this year would be the 10 books written by hi

Singapore Reopening Plays - Continued Recovery Singapore visitor arrivals 2019 vs 2022 by month (Data Source: Singapore Tourism Analytics Network) Reopening stocks are expected to extend its strong recovery momentum into 2023/24, according to latest STB's forecast where tourism activity is on track to recover to pre-pandemic levels by 2024. Visitor arrivals are expected to double from 2022 to 12-14 million (or c.63-73% of 2019 levels) in 2023, and tourism receipts to improve to S$18-21 billion (or c.65-76% of 2019 levels) in 2023. There will be three main groups of beneficiaries from this strong recovery momentum which are hospitality REITs, retail REITs and airline related stocks. 1) Longer length of stay as well as prioritization towards MICE events (and thus business travelers) should b

Strong long-term growth potential - $TENCENT(00700)$  Tencent has 1.27bn monthly active users (MAU) on WeChat, covering c.90% of China's population. This represents strong long-term growth potential by ramping up monetisation on its Video Accounts and mini programmes, as well as other social segments, where a large user base is the key value proposition. Tencent also has a strong game portfolio, which includes top-ranked games like Honor of Kings and Peacekeeper Elite. Tencent has the capability to consistently launch blockbuster games, and is accelerating its overseas expansion and gaining market share. Tencent Cloud is the second-largest player in China's cloud service market. Its Fintech revenue is expected

Rising on the recovery in international air traffic SIAE's ($SIA ENGINEERING CO LTD(S59.SI)$  ) share price is down by around 10% from its May 2022 highs, underperforming the broad STI Index by around 10%. Its core profitability is now more imminent, so this should provide a more attractive entry point for investors to play the earnings recovery story for SIAE, on the back of the recovery in international air traffic. As China opens up, the recovery trends could be faster. Despite Singapore reopening fully, flight traffic at Singapore Changi Airport (the main base for SIAE's line maintenance operations), is still at 65% of pre-pandemic levels. As this moves towards the 80% mark in 2HFY23, SIE should achieve a core earnings turnaround. With

Investment Overview - $Visa(V)$   Core business to benefit from migration to digital payments. 30% of global payments are still transacted in cash as per Bloomberg intelligence, which translates to an estimated $18tn opportunity. The shift from cash and checks to electronic payments will act as a key long-term driver of Visa's core business. Growing e-commerce penetration is also a tailwind for Visa owing to higher interchange fees in card-not-present transactions and cross border payments that have higher fees for foreign exchange services. Moreover, in the near to mid-term, consensus estimates show that international transaction revenues are poised to grow 47%/17% in FY22/FY23 which should boost top and bottom lines as global travel recove

Investment Overview - $Microsoft(MSFT)$ (MSFT) MSFT is the market leader in productivity software market. With a market share of 85% in productivity software, MSFT enjoys certain key competitive advantages over its peers. This is due to its industry-leading product range, widespread market presence, extensive and deep C-level relationships, and solution selling capabilities. According to ResearchAndMarkets.com, the global productivity software market is predicted to expand at a 14% CAGR over 2022-2026 to US$98bn while during the same period, cloud-based office productivity software market is expected to grow at a 25% CAGR to US$51bn by 2026. Consensus forecast revenue CAGR of 11% over FY23-26 (June fiscal year) f