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</

Stock market bears and bulls are the norm.  Market did well during the covid early years was due to manipulation with quantitative easing. Now, we are paying the price of it- inflation. Of course, inflation was driven by other issues like long standing supply chain, China's zero covid policy and the war.  Rate hikes are now leading to fears of recession. I do expect this market sentiment to last at least till end of the year. In addition, at the next earnings, if specific companies do not do well, stock prices will fall too.  Personally, not too worried. This should be agood opportunity to add on good companiesor even ETFs. But, I am not in a hurry to addyet. Current small market rallies look like just dead cat bounces. I will patiently wait for the market to

$LION-OCBC HSTECH ETF S$(HST.SI)$the momentum should continue based on the US market last Friday. [Cool] [Miser] [Miser] [Miser] [Miser] [Miser]  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[Cool] [Cool] [Cool] [Cool] 

I don’t think google’s rally has peaked for the year as I expect further rate cuts by the Fed which would drive it further up. I wouldn’t add more google now as it has already rallied significantly this year and potential upside would be limited. I wouldn’t buy meta too as I don’t see much potential in its business model to expect a huge rally. I think there is a good chance of S&P500 reaching 7400 by year-end. Many are still expecting further rate cuts that would drive the rally and I think many retail investors would be buying the dip to help drive the rally. Nvda’s forward p/e of 40 remains attractive as it is currently unrivalled. It is clearly in high demand that both China and the US fight for it and seek to impose restrictions on their opponent. It has now been able to affec

Both dividend yield and growth potential are important. Having the growth potential would allow the dividend to increase with time. So, in the longer run, I prefer growth though if I intend to only keep it for less than 3 years, I would choose dividend yield. CICT is still relatively cheap even with the rise of more than 30%. I believe that there is still more room to rise given its strong portfolio with good occupancy and WALE. However, I would pick MLT as its resilient logistic network will position it well to be a key player in the supply chain. Its performance is drawn down mainly due to forex risks but I do not anticipate this risk to increase much further and I believe the managers will take the appropriate measures to manage this known risk.

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[Facepalm]  

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 do not spend on anything for the sake of emotional value. I prefer to spend my money wisely on basic needs and the occasional indulgence. Thus, I am actually not a consumer of popmart and laopu gold though I may give in to my sweet tooth occasionally by eating mixue icecream and the last was last December! I prefer to buy these stocks and earn money[Miser] I think all 3 stocks will continue to rise as their products are affordable so the demand of the masses will continue to push the prices up. They appeal to the desire of people to feel included and trendy as they are now popular. As long as they are part of the social trend, the stock prices will continue to rise. Even if a recession hits, the demand will be there and people will justify their spending simply because they are afforda

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

$TENCENT(00700)$ What not to like about tencent? [Happy]  

$TENCENT(00700)$   As Chinese tech stocks start their next bull run

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

It is impossible to predict the market and trump’s flip flop plans make it even harder to even see some form of trend. Just yesterday, we get news that the federal court ruled that he overstepped his powers with his tariffs and today it got overturned by the appeals court. I would think that June would be a month of his tariffs plans, how the other countries managed to appease him with countermeasures like buying more US products, whether the wars can successfully cease. My main holdings are in HK stocks and this week has been a bad week. I have already taken profit on some like mixue and maogeping. Moving forward, I think it is important to stick to the game plan. That is to only buy stocks of quality company, average down if I need to and if I still have cash[Facepalm], and take prof

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

I consider myself cautiously optimistic. I buy ETFs to reduce the volatility risk and yet with good chance of at least mirroring market returns. I agree that all investors have to be optimistic otherwise they would have taken profit or not put their money into the market at all. I expect a small correction in October as people take profit but also expecting a potential rate cut that would send the bull going. The bull is still young all because there is still Penney of room for rate cuts to happen this year and the next. I already have AAPL and recently bought UnitedHealth. Otherwise, I tend to have ETFs like SMH and VTI. I believe there is more room for rally in the HK and China markets so I have been buying the dips in the HK market like haidilao and popmart. I think I have beaten