STI 5,000 Milestone: Why Bank NIMs & SIAEC Revenue Matter (SGX Daily Pulse 20 Feb 2026) | š¦ EP1436
š© The STI has finally smashed through the 5,000 mark ā and every kopitiam uncle, WhatsApp group and Telegram channel is screaming ābuy nowā as if this rally cannot fail. But if you are in your 40s, 50s or already in the retirement red zone, chasing headlines at all-time highs is exactly how you blow up a portfolio that is supposed to fund your golden years. When momentum runs this hot, one wrong move in banks, REITs or cyclicals can turn āpassive incomeā into permanent capital loss.
In todayās forensic breakdown, Iggy walks through the real math behind the STI 5,000 breakout ā from bank NIMs and CET1 buffers, to SIA Engineeringās MRO margins, Sri Trangās net margin collapse, and United Hampshire US REITās 38.9% gearing. You will see how small shifts in interest rates, costs and cash flows can flip āsafeā dividend names into silent traps, and why institutional desks are still pushing yield stories while ignoring balance sheet risk. If you are relying on dividends to pay for groceries, medical bills and your kopi money, this is the kind of guardrail audit you cannot afford to skip.
Read the full in-depth article with video at
YOUTUBE ā”ļø https://youtu.be/bmPjx8uJaKc
SUBSTACK ā”ļøhttps://open.substack.com/pub/investingiguana/p/sti-5000-milestone-why-bank-nims?r=5enmf1&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true
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