To The Moon

iFAST Corp: Record Profit, S$987.75M Net Cash, So Why Does the Dividend Stay Small? | EP1663🦖 iFAST is sitting on roughly S$1 billion of net cash, yet the trailing yield is stuck around 1.3 percent. That is not a typo, it is the structural outcome of running a digital bank on top of a wealth platform. The same banking engine that makes the business look bulletproof on paper is the reason so little of that profit is actually landing in your pocket as cash. Before you chase the S$12.20 institutional target, I want you to be very clear what kind of return you are really signing up for. 📺 YouTube: https://youtu.be/NDqkD01VsJA 📩 Substack: https://investingiguana.com/p/ifast-corp-record-profit-s98775m

Is UOB's Dividend Still Safe? Auditing the 50% Payout Promise | Iggy Answers Podcast | EP1666🦖 UOB is the rare case where the balance sheet looks like a fortress, but your wallet quietly loses out if you rush in at the wrong price. Everyone is repeating “50 percent payout” and “special dividend,” yet almost nobody is asking whether the ordinary yield at S$39.25 actually clears what your CPF is already paying you with zero drama. That gap between safety and attractiveness is exactly where investors in their 50s get trapped without realising it. 📺 YouTube: https://youtu.be/ng1OYGY6txk 📩 Substack: https://investingiguana.com/p/is-uobs-dividend-still-safe-auditing

Is UOB's Dividend Still Safe? Auditing the 50% Payout Promise | Iggy Answers Podcast | EP1666🦖 UOB is the rare case where the balance sheet looks like a fortress, but your wallet quietly loses out if you rush in at the wrong price. Everyone is repeating “50 percent payout” and “special dividend,” yet almost nobody is asking whether the ordinary yield at S$39.25 actually clears what your CPF is already paying you with zero drama. That gap between safety and attractiveness is exactly where investors in their 50s get trapped without realising it. 📺 YouTube: https://youtu.be/ng1OYGY6txk 📩 Substack: https://investingiguana.com/p/is-uobs-dividend-still-safe-auditing

This Week's Best Stock Was a Forensic Red Flag, Iggy's Weekly Winners & Losers | EP1665🦖 A 16 percent weekly gain on CSE Global is exactly the kind of move that makes a CPF or SRS investor feel like they are missing out, but the cash flow trail tells a very different story. When operating cash turns negative while price races ahead, the market is rewarding a strategic review headline, not a proven ability to keep paying you reliably from real money. The same tension shows up on the losers side too, where a 6 percent drop in Centurion Accommodation REIT sits on top of balance sheet metrics that still clear Iggy's hard gates. For a retirement portfolio, the question is not whether your screen is green this week, it is whether that green reflects businesses that clear the 3.2 percent Fore

The Hidden Electricity Tax Killing Your S-REIT Dividends | Iggy Answers Podcast | Episode 1664🦖 Your SP bill might have gone up by a few dollars, but the real damage from this electricity hike is not at home, it is inside your REITs. When property expenses rise faster than Net Property Income, the “safe” landlord quietly loses pricing power long before your DPU gets cut. That is the hidden electricity tax most income investors never see coming. If a REIT is already sitting near 35% gearing and its interest coverage is drifting toward 4x, even a modest tariff increase can act like a permanent pay cut to your CPF and SRS income stream. The question is simple, are your REITs absorbing these higher utility costs, or are they passing them on to tenants who might not survive the next renewal? I

When Indonesia Bleeds, Which SGX Names Feel It? | EP1661🦖 Everyone is staring at Jakarta’s index, but the real stress test is happening inside SGX names that look “safe” on headline yield. A palm oil counter with plantations in Indonesia and a yard operator with Batam assets do not wear the same currency risk, even though they sit in the same macro storm. The difference is whether your Singapore dollar dividend is powered by US dollar revenue or by rupiah cash flows that are quietly shrinking. If your retirement plan leans on a 4.7 percent hurdle to beat CPF and SRS, you cannot treat all Indonesia exposure as one bucket. One stock clears my forensic filters while another one needs a closer watch.....

SGX Daily Pulse: Singapore's #1 Ranking Can't Outrun Inflation | EP1662 🦖 ingapore just reclaimed the “world’s most competitive economy” crown, but the investor who plays it safe with cash is suddenly on the wrong side of the numbers. When 6‑month T‑bills are paying about 1.48 percent while private economists are lifting their core inflation forecasts to around 2 percent, the textbook definition of “risk free” quietly turns into a guaranteed loss in real purchasing power for anyone sitting on large CPF OA, SRS cash, or idle bank deposits. For a 55‑year‑old in Bedok, the question is no longer whether Singapore is doing well, it is whether your personal balance sheet is keeping up with the new inflation path when your safest options are yielding less than the rising cost of groceries and hea

You Have S$200,000 Outside CPF. Now What? | EP1643🦖 Most people treat SRS as a gentle top-up to their retirement, but the structure quietly punishes anyone who treats it like a fixed deposit. The real leak is not the tax relief, it is the dead cash sitting at 0.05% while your CPF Special Account is still grinding away at 4.0% as a guaranteed floor. The scary part is that the system is working exactly as designed, the damage only shows up a decade later when you finally need the income. If you are 55 with S$100,000 stuck in SRS cash, the gap between 0.05% and even a basic CPF-style 4.0% compounding over ten to fifteen years is not a rounding error, it is tens of thousands of dollars in lost retirement firepower. And because only 50% of your SRS withdrawals are taxable within that 10-year wi

MAS Inflation Survey June 2026 — Your 4.7% Hurdle Just Got Harder | EP1660🦖 When you look at your SRS statement and see a “safe” 5 to 6 percent yield, do you ever ask how much of that is just inflation quietly clawing it back? The new MAS survey of professional forecasters just lifted its inflation expectations, yet every broker report still shouts the nominal yield in big font and hides the real return in the fine print. That gap between what feels safe and what is actually happening to your monthly spending power is where too many retirement plans drift off course. 📺 YouTube: https://youtu.be/b4ugoKvwK50 📩 Substack: https://investingiguana.com/p/mas-inflation-survey-june-2026-your

SIA Traffic Miss, Elite UK REIT Halt, AI Surge Hits SGX | SGX Daily Pulse 16 Jun | EP1658 🦖 Everyone is staring at SIA’s 2.4 percent price pop and the “4.9 percent traffic growth” headline, but the more important story is quietly hiding in the empty seats. When capacity grows 5.3 percent and traffic lags behind, the load factor slips and every flight earns less per seat, even if Changi looks busy on a Sunday night. That is the kind of soft pressure that does not show up in your brokerage app, but slowly eats into the income story you thought was rock solid. If you are leaning on SIA, REITs, or the local banks for CPF or SRS payouts, this is where a forensic lens matters more than the green arrows. A 3.2 percent cargo demand uptick cannot fully offset passenger softness, and one surprise tr