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$OCBC Bank(O39.SI)$  $OCBC Bank(O39.SI)$  $OCBC Bank(O39.SI)$  $OCBC Bank(O39.SI)$ quietly outperforming — now sitting above +60%. This is why accumulating fundamentally strong banks during uncertainty matters. Collect dividends, stay patient, and let compounding do the heavy lifting.

$DBS(D05.SI)$  $DBS(D05.SI)$  $DBS(D05.SI)$   Another green trade ✅ $DBS(D05.SI)$ Collected +SGD 1,391 by sticking to my strategy — buy strong companies, ignore noise, and let compounding work. This is how portfolios grow over time. Are you investing or trading 

📊 Apple Earnings Surprise — Short-Term Noise, Long-Term Opportunity 🍎 Apple’s recent earnings reminded us of something important: great companies don’t lose value overnight — only stock prices fluctuate. Yes, the market reacted emotionally. But when you zoom out, Apple remains one of the strongest businesses in the world — built on brand power, recurring revenue, massive cash flow, and deep customer loyalty. Why I’m Bullish on Apple (Long Term) ✅ Ecosystem Lock-In — iPhone, Mac, iPad, Watch, Services — once users enter, they rarely leave ✅ Services Growth — higher-margin recurring revenue (App Store, iCloud, Music, Pay) ✅ AI & Innovation Pipeline — Apple is positioning itself for the next tech cycle ✅ Strong Balance Sheet — huge cash reserves + aggressive share buybacks ✅ Global Brand

$Vanguard ETF(VOO)$  $NVIDIA(NVDA)$  $Microsoft(MSFT)$   📉 Stocks to Watch Today (After Microsoft’s ~10% Drop) $Vanguard ETF (VOO)$ $NVIDIA (NVDA)$ $Microsoft (MSFT)$ Microsoft’s sharp drop is shaking the market, but big pullbacks often create new opportunities — not just fear. 🔹 $MSFT$ — Oversold Bounce Watch A 10% drop in a mega-cap is rare. Watching for dip buyers, rebound attempts, or further weakness. 🔹 $NVDA$ — Sentiment Leader If Nvidia holds strong, AI momentum may remain intact. Weakness could signal broader tech cooling. 🔹 $VOO$ — Market Direction Gauge S&P 500 ETF shows whether this is a tech-

$SPDR Gold ETF(GLD)$   $SPDR Gold ETF (GLD)$ — Gold Went Vertical, Then Snapped. Opportunity or Trap? Gold just made a parabolic move, followed by a sharp pullback. Many see this as weakness — but experienced investors know this is often a healthy reset, not a trend reversal. Parabolic rallies attract short-term traders. When profits are taken, price cools — but the long-term thesis remains strong. Why Gold Still Has Support • Central banks continue accumulating gold • Inflation & global debt remain long-term risks • Geopolitical uncertainty keeps safe-haven demand alive • USD strength cycles don’t erase gold’s structural role Market Reality Strong trends don’t move in straight lines. Pullbacks are where smart money builds positions

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$DBS(D05.SI)$   October was a strong month for DBS — steady performance despite global market volatility. The bank continued to show why it’s the solid pillar of Singapore’s financial sector, backed by resilient earnings and consistent dividend payouts. 💹 Uptober Highlights: • DBS Q3 results remained strong, supported by higher NIMs (net interest margins). • Dividend yield stays attractive, drawing both local and foreign investors. • Despite global slowdown worries, DBS balance sheet remains solid with low NPL ratio. Now, as we head into November, many investors are wondering — can DBS continue to climb or will it consolidate? With interest rates likely to stay high for a while, DBS could still benefit from stable margins. However, an

October truly lived up to its “Uptober” name — we saw strong rebounds across major indices as inflation fears eased and investor sentiment improved. Tech and energy sectors led the way, while defensive plays lagged behind. Moving into November, the big question: Can the momentum continue? Historically, November has been one of the best-performing months for equities. If macro data stays supportive — stable rates, cooling inflation, and improving earnings — we could see another leg up. ⚙️ Key watchpoints for November: • Fed tone on rate cuts or pauses • U.S. CPI data mid-month • China’s stimulus rollout • Q3 earnings wrap-up 💡 My strategy: Taking partial profit on strong gainers from Uptober and rotating into undervalued blue chips and dividend counters. Staying cautious but optimistic — “r

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