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] 

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

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

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....[Cry] [Cry] [Cry] [Cry] [Cry]  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 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

I will buy $VanEck Semiconductor ETF(SMH)$. This definitely has potential in the long run. The best part of an ETF is that there is no need to study individual stocks to try to pick a winner. Basically, you will always have a basket of winners and potentials! However, i wont add yet, will be waiting for the next pullback!

Why invest or trade?The simple answer is for money or to build wealth. The next logical question is why MORE money? Our job already supplies us with some money. Money is not the most important thing in life to most people and it doesn’t guarantee happiness or true joy. I invest for 2 main reasons:1) Money buys choicesAlthough having too many choices can be crippling at times, it is still nice to be able to choose. Choices for big life decisions such as being able to choose to retire versus being forced to continue to work for life sustenance. It can also be for simple things like being able to choose to pamper oneself with good things at times. 2) To be a good steward of the resources I have been given Money is an example of a resource. I believe that everything entrusted is

Thanksgiving is a day to remember to give thanks for the blessings of the preceding year. Blessings come in many forms. Beyond the material or financial (which has been a roller coaster year for the stock market), there are other things that are more important and should be of greater priority. I am thankful for the good health of myself and my family. Health is wealth and should never be taken for granted. Only with health then can we go on to pursue wealth, our dreams and our aspirations. I am glad to be able to explore new opportunities at work, enjoy valuable time with my family and create memories together. With the relaxing of Covid-19 restrictions, being able to catch up and bond physically with friends is also a great reminder that life is unpredictable and to cherish the many prec