To The Moon

Living in Singapore, there are certain companies whose products and services I cannot live without. These companies provide everything from basic necessities to digital services that make my life easier. While these companies are an essential part of my daily routine, it doesn't necessarily mean I will invest in their stocks. I believe investing is not just about loyalty to the brands, but about finding undervalued opportunities. Only when their stocks are undervalued and offer strong growth potential will I consider adding them to my portfolio. Here are the companies I can't live without, but I'll only buy their stocks under the right conditions:

1. Colgate-Palmolive (CL) - Oral Care

I rely on Colgate for my daily oral care needs, from toothpaste to toothbrushes. Their brand is synonymous with trust and quality. However, even though I can’t imagine a day without their products, I wouldn’t buy their stock unless it becomes undervalued relative to its future growth prospects. A strong dividend yield and solid financials would also influence my decision.

2. Unilever (UL) - Shampoo and Personal Care

Unilever’s products, like Dove, are staples in my personal care routine. Yet, despite my daily use of their products, investing in Unilever would depend on its stock price. If the stock is overpriced or the company faces challenges like increased competition, I would hold off on buying until it becomes more reasonably priced.

3. DBS Group (D05.SG), OCBC Bank (O39.SG), UOB (U11.SG) - Banking Services

I rely on DBS, OCBC, and UOB for seamless banking services such as mobile apps, online banking, and easy payment systems like PayLah and PayNow. While these banks are fundamental to my daily life, I won’t purchase their stocks unless they are undervalued or present a solid investment case based on their financial health, profitability, and growth potential.

4. Nike (NKE) & Adidas (ADDYY) - Footwear & Sportswear

As a fan of both Nike and Adidas, I can’t live without their footwear and sportswear products. However, while these brands are essential to my lifestyle, I need to see favorable market conditions, solid earnings growth, and a competitive advantage to consider investing in their stocks. If their stock prices are inflated or the companies face operational challenges, I may hold off.

5. Alibaba (BABA) & Sea Group (SE) - E-commerce

My family buys things frequently from Alibaba’s Taobao and Sea Group’s Shopee platforms, making these e-commerce companies indispensable in my life. Still, I would only consider buying their stocks if they become undervalued. Factors like market sentiment, regulatory concerns, and future growth projections would influence my decision to invest in them.

6. Grab (GRAB) - Transportation & Food Delivery

Grab is another company I can’t live without, offering services like GrabFood and GrabCar. However, despite my use of their services, Grab’s stock price would need to be attractive before I make a move. If the stock price drops significantly and the company’s fundamentals remain strong, it could present an opportunity for investment.

7. Singtel (Z74.SG) - Telecommunication Services

Singtel is my go-to for mobile and internet services, but I wouldn’t buy their stock unless I see them as undervalued. With the competitive landscape in telecommunications and changing consumer preferences, I would need to see consistent earnings growth, strong dividends, and long-term potential before investing.

8. Google (GOOGL) - Online Services & Search Engine

Google is indispensable in my daily life, from search engines to YouTube and Gmail. Yet, even with its strong brand presence, I would only invest in Google’s parent company, Alphabet, if their stock price becomes more attractive. Valuation metrics, such as price-to-earnings ratio and growth potential, would guide my decision to buy.

9. Sheng Siong Group (OV8.SG) - Supermarkets

I cannot live without supermarkets like Sheng Siong. Its affordable prices and wide variety of products make it an essential part of my family’s grocery shopping. However, like with other companies, I would only consider investing in Sheng Siong’s stock if it is undervalued and presents an attractive investment opportunity. Strong growth in the retail sector and competitive positioning would also be key factors in my decision.

10. Starbucks (SBUX) & Nescafé (Nestlé - NESN) - Food & Beverages

Whether it's for my daily coffee fix or simply enjoying a cup of Nescafé, these brands are an integral part of my food and beverage routine. However, I would not buy their stocks just because I enjoy their products. I would need to assess their stock price, growth prospects, and industry dynamics before making an investment decision. If their stocks are overpriced or face challenges like rising commodity prices, I would wait for better value.

11. Visa (V) & Mastercard (MA) - Payment Solutions

As someone who uses digital payments regularly, I cannot live without companies like Visa and Mastercard. These payment giants are essential for my everyday transactions, whether I'm shopping online or making purchases in-store. However, despite their central role in my life, I wouldn't invest in their stocks unless the market conditions are right. I’d need to see these companies as undervalued, with strong growth prospects, solid earnings, and a competitive edge in the evolving digital payments landscape.

12. AIA Group (1299.HK) - Insurance Services

Insurance is a crucial part of securing my future and providing peace of mind for my loved ones. AIA offers a range of life insurance, health insurance, and investment products that I rely on. Despite the importance of insurance in my life, I wouldn't buy AIA's stock unless it was priced attractively. A solid balance sheet, strong market position, and favorable growth prospects would be key factors in determining if AIA's stock is a good investment opportunity.

In conclusion,

While these companies provide products and services I rely on daily, I take a cautious approach when it comes to investing. It’s not enough for a company to be part of my lifestyle; I look for value and growth potential in their stocks. Only when the right conditions are met—such as undervaluation, strong fundamentals, and favorable market conditions—will I consider adding them to my investment portfolio. Investing is about making informed decisions, not just personal preferences, and I aim to find stocks that align with both my needs and my financial goals.