For the uninitiated, AIA Vitality is a health and wellness programme that rewards AIA policyholders with attractive incentives at a fee of $8 a month. By implementing it, AIA rewards policyholders for taking steps to improve their health. The end result is that policyholders may become healthier and ultimately make lower/fewer claims. AIA Vitality members can earn and accumulate points through weekly challenges that encourage adopting healthy habits such as completing the weekly exercise, eating healthily, as well as completing health assessment at approved clinics. Since its launch in 2013, there are now close to 150,000 AIA Vitality members in Singapore. The programme has undergone several changes, with the latest round of major changes implemented on 20 July 2020. In this article, we

Market consolidated last week with the STI losing 25 points or 1% at 2,472.28; Wall St continued to set direction; US investors were nervous about rise in virus numbers, lack of fiscal stimulus; In local news, Wilmar announced IPO details for China unit; SIA replied to BT comment, explained fuel hedging actions; More retail investors are trading this year A consolidation phase Perhaps the best description for the behaviour of the local stock market over the past few weeks is that it has entered a “consolidation phase’’, an oft-used cliché that means that investors have no idea what the next move should be and so are simply following the momentum set by other markets. The main pacesetter for Singapore as well as most global markets is Wall Street, which of late has appeared to hav

Information Technology (IT) is everywhere in modern world, a stock with strong IT related business would have bright future for investment.  Therefore, an investor may consider 28 IT stocks in Singapore, especially those defensive growth stocks. In this article, you will learn from Dr Tee on 4 Singapore IT Giant Stocks which are efficient in making money with economic moat but having mixed impacts during COVID-19 stock crisis. Bonus for readers who could read every words of the entire article: 7 global IT giant stocks. 1) IT Retail Giant Stock – Challenger Technologies (SGX: 573) 2) Software Giant Stock – Silverlake Axis (SGX: 5CP) 3) Data Center Giant REITs – Keppel DC Reit (SGX: AJBU) – Mapletree Industrial Trust (SGX: ME8U) Ne

During crisis, a consumer may not able to afford luxury products but still need to eat and drink to survive. Therefore, an investor may consider 48 Food & Beverage (F&B) stocks in Singapore, especially those defensive growth stocks. In this article, you will learn from Dr Tee on 9 Singapore F&B Giant Stocks which are efficient in making money with food as essential products (consumer staples) but having mixed impacts during COVID-19 stock crisis. Bonus for readers who could read the entire article: a strategy to eat and drink for free for lifetime. 1) Supermarket F&B Stocks – Sheng Siong (SGX: OV8) – Dairy Farm International (SGX: D01) 2) Restaurant F&B Stocks – Japan Foods Holding (SGX: 5OI) – Old Chang Kee (SGX: 5ML)

Between life and money, which is more important? In this article, you will learn from Dr Tee on 11 Singapore Healthcare Giant Stocks which are efficient in making money with life as an economic moat, while some surge in prices during COVID-19 stock crisis. 1) COVID-19 “Crisis as Opportunity” Stocks Medtecs International Corporation (SGX: 546) UG Healthcare Corporation (SGX: 41A) Top Glove Corporation (SGX: BVA) Riverstone Holdings (SGX: AP4) 2) Medical Services Stocks Q&M Dental Group (SGX: QC7) Raffles Medical Group (SGX: BSL) 3) Healthcare Products Stocks Tianjin Zhong Xin Pharmaceutical Group (SGX: T14) Haw Par Corporation (SGX: H02) 4) Healthcare REITs First Reit (SGX: AW9U) ParkwayLife Reit (SGX: C2PU) IHH Healthcare (SGX: Q0F)

The STI added 7 points or 0.28% at 2,497.71; Main external drivers were US FOMC and technology selloff; WTO ruled that US’s tariffs on China are illegal; US to ban WeChat and TikTok from app stores; Wilmar’s China unit secured go-ahead to list on Shenzhen Exchange; Top Glove reported that 4Q net profit was 17 times higher than FY19; SIA pilots agree to deeper pay cuts; Analysts divided over outlook for Wall St.   US FOMC and tech selloff were main features The US Federal Reserve’s latest Federal Open Markets Committee (FOMC) meeting and continued pressure on US tech stocks provided the main external direction for the local stock market last week. Investors were clearly unsure of what to make of both – the Fed said it would keep US interest rates near zero until inflation is on

Having a strong sponsor or major shareholder is crucial for stock investment, especially during period of uncertainty such as COVID-19 stock crisis.  In this article, Dr Tee will review these 7 Temasek stocks with 4 major corporate actions: 1) Keppel Corp (SGX: BN4) – Abandon of Partial Acquisition by Temasek 2) Sembcorp Industries (SGX: U96) & Sembcorp Marine (SGX: S51) – Successful Demerger under Temasek 3) Singapore Airlines, SIA (SGX: C6L) – Impact of Rights & Bonds Issues for Survival 4) CapitaLand Mall Trust (SGX: C38U) & CapitaLand Commercial Trust (SGX: C61U) – Merger of CapitaLand (SGX: C31) Giant REITs with coming change in 30 STI component stock with Keppel DC REIT (SGX: AJBU) Temasek helps to manage national wealth of Sin

Perennial Real Estate Holdings (SGX: 40S) becomes the next target for privatization. However, not all the acquisition news is good for retail investors. In this article, Dr Tee will share the considerations by Big Boys or major shareholders to acquire or privatize a stock with Perennial as an example, with sharing of Reverse Takeover (RTO) stocks. You will learn the 47 undervalue Singapore property stocks which are profitable with over 50% price discount in asset value. Interestingly, Perennial started its property business in year 2014 through Reverse Takeover (RTO) of St. James Holdings (entertainment business) which IPO in 2008. RTO is a quick way of “IPO” by acquiring an existing company which could be different business nature. A more famous example would be RTO of Berkshi

Parents are our best role models for life including investing. Dr Tee will share in this article, both valuable life principles learned from his father (who passed away recently) and also a lifetime investing strategy with 100% success rate practiced by his parents, applicable in both stock and property markets. Bonus is Dr Tee Grandparents Crisis Investing Strategy for reader who could patiently read the entire article. This investing strategy is proven over 3 generations of Dr Tee family over the past 100 years. Many people hope to learn a “sure-win” investing strategy. For most practical considerations, there is a certain probability of success for each stock trading or investing strategy but rarely could achieve 100% success rate. Dr Tee parents have a remarkable achi

Both Singapore and Malaysia celebrate National Day in the month of August. It is timely to share the 4 National Giant Stocks in each country which preserve the national wealth. Learn from Dr Tee on how to position these stocks during COVID-19 stock crisis. 4 Singapore National Stocks: 1) DBS (SGX: D05) 2) Singtel (SGX: Z74) 3) OCBC (SGX: O39) 4) UOB (SGX: U11) 4 Malaysia National Stocks: 1) Maybank (Bursa: 1155) 2) Top Glove (Bursa: 7113) / (SGX: BVA) 3) Hartalega (Bursa: 5168) 4) Public Bank (Bursa: 1295) Stock market is a hidden way to preserve and grow the national wealth. For Singapore SGX, there are 30 large cap stocks in STI Index (^STI), which can be sorted below by size of market cap (share price x number of shares) with ROE (Return on Equity):

In this Dr Tee 1-hr video education (Defensive Investing Strategies during Stock Crisis ), you will learn:1) Bull (Unlimited Quantitative Easing) vs Bear (COVID-19)2) Value Investing Strategy – Dividend Stock Investing with Singapore Giant REIT as Case Study3) Value Investing Strategy – Growth Stock Investing with Malaysia Giant Stock as Case Study4) Investing Personalities: Kiasu vs Kiasi 5) Defensive Investing Strategies during Stock Crisis. Here is English Version of Dr Tee Video Course (Chinese version is also available as Dr Tee is bilingual). Enjoy and give your comments for improvement. You may subscribe to Dr Tee Youtube channel (Ein Tee) for future Dr Tee video talks. Collect 3 extra bonuses here. English Video: https://youtu.be/_shZqTa1eEs 在这D

Temasek Holdings is a private investment company wholly owned by the Singapore government. As of 31 March 2020, Temasek manages a net portfolio of S$306 billion. Some notable holdings in the portfolio include Singapore blue chips like DBS Group, Singapore Airlines, and CapitaLand; and foreign stocks like Visa, Alibaba, and Meituan Dianping. Temasek Review is an annual event in which Temasek executives examine the fund’s performance over the past year and share their thoughts on a host of topics from portfolio allocation to market outlook. We first attended Temasek Review in 2019, and were also invited to cover the event this year as we look at how COVID-19 has impacted Temasek and its portfolio of companies. Here are 10 things I learned from Temasek Review 2020: 1. Temasek’s

The best way to make money is to let money make more money. In this article, you will learn 30 Singapore Banking & Finance Stocks which are efficient in making money with money for investors, focusing in 6 groups of stocks (with strategies for 3 major bank stocks: DBS, OCBC and UOB): 1) Bank Stocks2) Finance Stocks3) Insurance Stocks4) Stock Broker Stocks5) Pawnbroker Stocks6) Investment and Other Stocks There are only 30 Banking & Finance stocks in Singapore, relatively less than other sectors as Singapore has tighter regulation in finance sector for services such as lending money (limited licenses available): AMTD IB OV (SGX: HKB), B&M Hldg (SGX: CJN), DBS Bank (SGX: D05), Edition (SGX: 5HG), G K Goh (SGX: G41), Global Investment (SGX: B73), Great Eastern (SGX:

Global stock markets (S&P500, STI, KLCI, HSI, SSEC, etc) have been bumpy over the past few months. US Covid-19 condition is still critical, affecting the confidence of V-shape recovery of stock market, as well as the coming US presidential election in Nov 2020. Some investors worry of possible double dip, dare not take any action now. Crisis is always opportunity but an investor has to apply the right stock investing strategy.At the same time, Singapore stock market is lagging, major bank stocks, DBS Bank (SGX: D05), OCBC Bank (SGX: O39), UOB Bank (SGX: U11) are under correction after MAS guidelines to cap the dividend payment of banks to 60% of last year (implying if dividend yield is 6%, would become 6×0.6 = 3.6%), disappointing many passive income investors. However, the

The STI added just 3 points at 2,532.51; Wall Street had its best Aug since 1984; Virus-related news continued to drive markets; US-China tensions played a part in capping prices here; Singapore government to inject S$8b more; Temasek pulled out of Keppel takeover; Shareholders approved Sembcorp Industries and Sembmarine demerger; SIA used half of the S$8.8b raised in its rights issue Virus news, US-China tensions were the macro drivers The Straits Times Index added just 3 points in the month of August to end at 2,532.51, driven largely by the same themes which have prevailed for the past 5 months – news about the virus COVID-19. The main support for stock prices came in the form of record highs on Wall Street, which in turn were driven by encouraging news about vaccines to treat the

Can Value be found in this 100-Year-Old Local Brand? Published On: 24 August 2020 | 5:00 PM Jay Lin, Dealer Jay graduated from the National University of Singapore with a Bachelor’s Degree in Electrical Engineering, specialising in Power Engineering. Our Approach is very much profiting from lack of change rather than from change. With Wrigley chew gym, it’s the lack of change that appeals to me ~ Warren Buffett; CEO of Berkshire Hathaway Good day Readers! A quick question for you: Think of a local born and bred Singaporean Brand that has gone international. What comes to your mind? Razer? OSIM? Creative Technologies? TWG Tea? Singapore Airlines? BreadTalk? Whilst asking friends and colleagues, these notable b

First published in Business Times on 24 August 2020 They have to consider 3 options: do nothing; sell their rights; or subscribe to the issue THE experience of the Securities and Investor’s Association (Singapore) – or Sias – is that when companies announce complex deals, many small shareholders are often in the dark as to what they have to do and the timeline they have to follow. This came to light recently during a capital raising exercise by Singapore Airlines (SIA) that involved an issue of new shares and mandatory convertible bonds. Some shareholders thought that their responsibility ended once they had voted at the extraordinary general meeting (EGM). They were mistaken – if there is a rights issue involved, and if it has been approved at EGMs, shareholders m

Despite Wall St at new highs, the Straits Times Index lost 53 points or 2.05% at 2,528.54; The Singapore Government announced it will inject another S$8b into the economy; SGX RegCo warned about trading in Kitchen Culture’s shares; Thai Beverage was among the hot stocks of the week; SIA announced it has used about half of the S$8.8b raised in June’s rights issue; Major shareholder cuts stake in Wilmar International Wall Street set new highs but no reaction here The local stock market last week decoupled from Wall Street, ignoring the all-time set by the S&P 500 and the Nasdaq Composite. Instead, the Straits Times Index fell for four of the five trading days with Friday’s paltry 0.62 of a point rise to 2,528.62 failing to make much of a dent on those losses. The cumulative loss

Made in Singapore: 5 Stocks Flying the Singapore Flag High Published On: 4 August 2020 | 12:00 PM Mike Ong, Senior Dealer Mike is a member of the largest dealing team that specialises in Equities, ETFs, CFDs & Bonds, and manages >50,000 client accounts in Phillip Securities. He believes in investing long-term for passive income and evaluates stocks using fundamentals. He is currently the chief editor of the HQ education series that aims to equip clients with tools and skillsets to make better investing and trading decisions. Edwin Choo, Assistant Manager, Dealing As a securities dealer, Edwin specialises in providing equity-related advisory for clients. He applies a wide range of techniques to analyse securities, both technical and fundam

The airline industry has been one of the hardest hit due to international border closures caused by COVID-19. For the first quarter of FY20/21, Singapore Airlines (SIA) reported a net loss of S$1.123 billion. This is compared to the S$111 million in profit in the same quarter last year. SIA has also made varying levels of pay cuts for all management and rank-and-file staff, as well as offered the option of early retirement for ground staff and pilots. As bleak as this looks for SIA, the airline has received extra support from the Singapore government. An analyst has also commented that SIA is in a better position than most airlines to ride out this crisis. I was interested to find out how SIA intends to ride out this crisis. Hence, I attended SIA’s 2020 virtual AGM and here are fi