The One Investment Mistake Singapore Investors Can’t Afford to Make

The Smart Investor01-08

Many new investors usually begin their investment journey by buying a stock that their friends or family introduced them to. It can be a household name or a company that feels “safe”, but not ...

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name or a company that feels “safe”, but not necessarily a company that you know well. \n\nBut the single most costly mistake that Singapore investors make is exactly this: buying shares of a company without truly understanding its business.  \n\nOn the surface, it seems harmless. \n\nAfter all, big-chip names like DBS Group Holdings (SGX: D05) and Keppel Ltd (SGX: BN4) are well-known companies. \n\nHowever, without fully understanding how the company makes money, what risks it faces, and the business fundamentals, investors are essentially buying blind, and that can be very risky.  \n\nWhy does this happen?\nInvestors often think they know a company simply because they are familiar with the brand or its products, and consequently buy shares without fully understanding the business fundamentals. \n\nCustomer experience and sentiments can be very different from financial reality. \n\nRookie investors typically buy shares of major local banks such as DBS, United Overseas Bank Limited (SGX: U11), and Oversea-Chinese Banking Corporation Limited (SGX: O39) because they feel safe and are names they see everywhere. \n\nHowever, they fail to understand how banks make profits and how earnings are heavily influenced by various factors such as interest rate cycles, Net Interest Margins (NIMs), and loan growth.\n\n“Everyone is buying, and so should I” is also a common behaviour amongst investors.\n\nSocial confirmation makes it feel “safe” to invest, but following friends or trends in investing without doing ample research can be detrimental in the long run. \n\nIn both cases, expectations of the share performance can fall far from its actual results.\n\nWhy This Mistake Is Costly\nBuying stocks of businesses that you do not understand can lead to emotional, inconsistent, and often irrational decisions. \n\nInstead of confidence-driven investing based on knowledge of the companies, you end up reacting to noise.\n\nThis results in panic selling stocks of strong businesses during momentum downturns, or over-optimism of holdings that lack sustainable growth, or even misreading temporary issues as structural problems. \n\nInvestors who do not understand a business cannot properly differentiate between short-term headwinds, such as higher interest costs, and long-term structural problems like shrinking market share and outdated business models.\n\nWhile it is a well-known name, Singapore Airlines Limited (SGX: C6L) functions in a cyclical environment where its profits are highly susceptible to fluctuations in travel demand. \n\n\nA drop in travel demand or a pandemic like COVID-19 can greatly affect the company’s earnings. \n\nLikewise, REITs with high yields can be attractive, but one must be careful and consider the debts they hold. \n\nInstead, consider REITs like CapitaLand Integrated Commercial Trust (SGX: C38U), which offers around 4.6% dividend yield (at current share price of S$2.39) and holds a moderate gearing of 39.2%.\n\nWhat Smart Investors Do Instead\nThe smartest investors cultivate simple habits to avoid buying shares of a company without truly understanding its business.\n\nBefore investing, spend time understanding the company, how it makes money, its growth potential, and what the limitations and risks it possesses. \n\nDecide if you are a growth investor or an income investor, or if you would prefer a hybrid of both. \n\nDefensive stocks like SBS Transit (SGX: S61) are relatively stable and provide a steady dividend payout. \n\nFor income seekers, SBS Transit offers an attractive 7.4% trailing dividend yield at S$3.20, excluding its 2024 special dividend.\n\nThink long-term when you invest and study the company’s balance sheets to assess its cash flow, debts, and assets. \n\nWith a clear understanding of a company’s business fundamentals, you can make a more informed decision about your investment.\n\nGet Smart: Understand The Business \nBuying a stock without understanding the business behind it is that costly investment mistake that Singapore investors cannot afford to make. \n\nInstead of following the trend or what your friends and family invest in, learn about the business so you can hold the right shares through volatility and not panic-sell at a loss. \n\nSmart investing is less about predicting short-term price movements, but more about truly knowing what you own.\n\nWe’ve found 5 SGX-listed dividend stocks with strong track records in turbulent markets. If you want consistency in an uncertain world, start here.\n\nFollow us on Facebook, Instagram and Telegram for the latest investing news and analyses!\n\nDisclosure: Wenting does not own any shares mentioned.","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":true,"tenantId":"TBGLOBAL","deviceId":"web-server-community-laohu8-v3","version":"4.36.0","shortVersion":"4.36.0","platform":"web","vendor":"web","appName":"ttm","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2601301243","isCrawlerRequest":true}