Today, we are going to share with you how to invest your CPF investment money in a no-brainer way. The best part? You need not be financial savvy to do this. A beginner can do it! And I’ll reveal the exact step-by-step process, which you can follow easily. What is CPF Investment Scheme (CPFIS)? It is to provide option to CPF members to invest their CPF savings in various instruments such as insurance products, unit trusts, fixed deposits, bonds and shares in Singapore. The Average CPF Interest Rate is 2.5% to 4% for Ordinary Account. Check their latest CPF interest rate here. Below is the latest CPF rate (1st Oct to 31st Dec 2019).   Share this Infographic On Your Site </p><br /><br /><br /><br /><br /><br /><br /><br /><

As an engineer working in the aviation industry for 15 years, I have seen the rise and fall of the sector. Inevitably, when we talk about the aviation industry, investors would likely to draw comparison between the two Singapore titans – SIAEC and ST Engineering. Between the two, SIAEC share price had lost considerably shine in recent years, making it one of the biggest falling stars in SGX mainboard. Will SIAEC share price ever see light at end of tunnel? Both entities had dominated the local aviation industry for decades and are majority-owned by Temasek Holdings. Nonetheless, the similarities ended here as both companies took on entirely different destinies due to a series of unfortunate events and different business strategies. From the lens of investors, it seems that someone up the

No investor likes to experience the pain of a dividend cut. However, this phenomenon is almost impossible to avoid as businesses go through ups and downs according to the ebb and flow of the economy. Companies cut dividends for a variety of reasons, ranging from the need to conserve more cash for a rainy day, poorer profitability due to decreased demand for their products and services, and also preparation for a large merger and acquisition. Investors need to analyse the underlying reasons for the reduction in dividends as not all such events are negative by nature. A reduction in dividends can help prepare the company for rough weather ahead and conserve precious cash, but there are also cases where a decrease in dividends marks the start of a long, painful decline in business performanc

Temasek Holdings is Singapore’s state-owned sovereign wealth fund that manages its assets using a long-term view and based on rigorous due diligence. Temasek holds a diverse range of assets ranging from private to public equities, and as of the end of the 2019 financial year (31 March 2019), the portfolio had a net value of S$313 billion, up slightly from 2018’s S$308 billion. The fund’s total shareholder return over 10 years stood at 9%, and Temasek’s portfolio includes at least 25 listings on the Singapore Exchange (SGX). In a write-up published by SGX, it highlighted the three-best performing SGX-listed non-REIT stocks within Temasek’s portfolio on a three-year total return basis. Investors who are searching for steady performers need not look elsewhere, a

Many companies’ fortunes are inextricably tied to the economy, as they rely on supply chains and consumer demand to power their business activities. Investors who are vigilant should be able to pick out signs of corporate weakness just by observing the financials and metrics and reading up on the management discussion and analyses (MD&A). Here are four clear indicators that can serve investors well as they watch out for red flags impacting the economy. Note that some of these aspects may be company or industry-specific, but if a majority of companies report such attributes, investors can probably conclude that a weakened economy is to blame. 1. Lower profits or profits turning to losses When companies start to report lower year-on-year profits, this is a sign that economic indic

Keppel Corporation Limited (SGX: BN4) and Singapore Technologies Engineering Ltd (SGX: S63), or ST Engineering, are two of the most prominent industrial conglomerates in Singapore. Though conglomerates usually have complex structures that render them difficult to understand, such structures also provide them with a hedge for the volatility in profits. In other words, they could be good long-term investments. In this article, we will try to find out which company is a better buy to consider over the long run. We are going to put the duo into two simple tests now to help us make our decision. Financial track record To start with, we will compare the financial performance of both companies in the last decade. This will help us assess the sustainability of the companies’ performance

VICOM Limited (SGX: V01) is Singapore’s leading test and inspection services centre. The group was incorporated in 1981 and listed on the Singapore stock exchange in 1995, and has, over the years, greatly expanded its range of services to include testing and inspection in fields such as mechanical, biochemical and non-destructive testing. VICOM is a subsidiary of ComfortDelgro Corporation Limited (SGX: C52), the world’s second-largest transport company. VICOM’s business mainly centres on conducting vehicle inspections as mandated by the Land Transport Authority (LTA) and has a dominant market share in Singapore of more than 75%. The other major player in vehicle inspection is STA Inspection, which is a member of Singapore Technologies Engineering Ltd (SGX: S63) and has f

Dear readers, there is currently One Oversold Straits Times Index (“STI”) stock right now. In the week before the previous week, there are four Oversold STI stocks, namely Golden Agriculture stock, SIA stock, Sembcorp Industries stock and ST Engineering stock. The aforementioned four stocks have made some gains in the previous week. For the previous… Continue reading ONE OVERSOLD STRAITS TIMES INDEX (“STI”) STOCK RIGHT NOW The post ONE OVERSOLD STRAITS TIMES INDEX (“STI”) STOCK RIGHT NOW appeared first on SG STOCKS INVESTING.

The impact of the ongoing trade war between China and the US has been felt in 2Q19 results for Singapore technology-related manufacturing companies. Five out of the 12 companies under CGS-CIMB Research’s coverage reported 2Q19 results that came in below analysts’ expectations while only four companies managed to beat expectations. With no end in sight, the trade war is making itself felt in the form of uncertainty and/or delays in customers’ plans while analysts also opined the impact of the escalating trade war will likely to continue into 2H19. However, some analysts believe that Southeast Asia countries, including Singapore, may benefit from the situation as they have always been an alternative manufacturing hub to China when customers seek to mitigate risks arising from the produ

A recent report by the Singapore Exchange revealed that 23 companies bought back around 71.5 million shares for a total amount of over S$70 million. The latest buyback is up by around 69% from July 2019’s figure of S$41.6 million, but down significantly from August 2018’s S$245 million. With that, let’s explore three companies with the largest share repurchases last month. No. 1: Yangzijiang Shipbuilding Holdings Ltd The company that carried out the biggest share buyback in August was Yangzijiang Shipbuilding Holdings Ltd (SGX: BS6). The shipbuilding company bought back 20 million shares for between S$0.85 and S$0.99 per share, spending a total amount of S$18.47 million. Yangzijiang’s shares tumbled around 36% last month on negative news surrounding Chairman Ren Yu

Dear readers, let us take a look at the Oversold Straits Times Index (“STI”) stocks right now. Based on the stocks map above, the Oversold STI stocks are shaded in Green. There are four Oversold STI stocks and they are: 1)Golden Agriculture2)SIA3)Sembcorp Industries4)ST Engineering On the converse, there are two Overbought stocks as shaded in… Continue reading FOUR OVERSOLD STRAITS TIMES INDEX (“STI”) STOCKS RIGHT NOW The post FOUR OVERSOLD STRAITS TIMES INDEX (“STI”) STOCKS RIGHT NOW appeared first on SG STOCKS INVESTING.

I thought I'd follow up on this excellent but fundamentally flawed article on Rice Media.The article was excellent because the author was the first to admit that our financial blogs are  canonical literature in Singapore fueling my fantasies of becoming Singapore's very own William Shakespeare and having my rants about our Polytechnic students and BBFAs studied intensely as the equivalent of the A levels in 400 years time.The article was fundamentally flawed because the author showcased too many examples of folks who took Masters Degrees in Arts or Social Sciences, and only had one example from someone who did a Masters in Applied Finance. Totally missing from the article are the folks who studied the bread and butter MBA programs. For many pragmatic Singaporeans, a Master's degree is

It has been about a year since the start of the US-China trade war, which has caused electronics manufacturers around the world to relook their supply chains as they strive to thrive in uncertain trade policies and economic conditions. On SGX, there are many companies that deal with the manufacturing of high-tech electronics, as well as the provision of information technology solutions. The 20 largest SGX stocks in the IT Sector have a combined market capitalisation of about $15 billion. For many of these companies, the diversified nature of their operations and propriety offerings mean that they are still able to maintain growth. Between January and July 2019, the SGX Information Technology (IT) sector was the best-performing segment, generating a total return of 29.8%, including dividend

Information technology (IT) can be considered a sunrise industry as it offers great future prospects for enhancing our quality of life. The sector itself is large and varied, ranging from companies that manufacture components for the electronics industry to software companies that write programs for clients. SGX has recently highlighted the IT sector as the best-performing sector over first the seven months of 2019, generating a total return of 29.8%. With the ongoing trade dispute between the US and China, electronic manufacturers may witness higher costs seeping into their supply chains, while demand may also remain muted moving forward. However, I believe all these headwinds will eventually pass, and they are currently creating mouth-watering opportunities for long-term investors to pi

Share buybacks can be an effective method to screen for cheap and undervalued companies. Companies conduct share buybacks when they feel their shares may be undervalued. Here are five Singapore-listed companies that recently bought back shares. 1. Singapore Press Holdings Limited Singapore Press Holdings Limited (SGX: T39) is a leading media organisation. Its core business includes the publishing of newspapers, magazines, and books in both print and digital editions. The group also owns a 70% stake in a real estate investment trust called SPH REIT (SGX: SK6U) that owns a total of four properties in Singapore and Australia. On 26 August, SPH bought back 576,300 shares at a price of between S$1.99 and S$2.00. Note that SPH had reported a weak set of results in its recent Q3 2019 earnings re

The Trade War is escalating.You can feel that coming as investors as you read the news that both Trump and Xi had continuously been playing a game of cat and mouse and it appears there's no way both could get a mutual agreement that might compromise one another.Last night was a bloodbath as Dow was down more than 600+ points while Nasdaq had fallen by 3%.It's pretty drastic in my opinion, but we are getting the hang of it with Trump.Up 2% on one night, down 3% the next day, and then up another 2%, and then down another 3%.Monday is going to be interesting especially for our STI index which is still at 3,110, and are still up by about 4-5% (inclusive of dividend) year to date.Not cool at all given we want a bigger drop like the ones we've seen most recently in 2016, at the very least.The ye

Return on equity (ROE) is a simple metric to showcase how good a company’s management is in turning every dollar of shareholders’ equity into earnings. It’s calculated by taking the annual earnings of a company (found under its income statement) and dividing it by the shareholders’ equity (found under the balance sheet). Generally, the higher the ROE figure, the better it is for shareholders. We all want the companies we’ve invested in to generate as much profit as possible for every dollar of our equity, don’t we? A recent report by the Singapore Exchange revealed the ROE of the top 10 largest industrials shares of the Straits Times Index (SGX: ^STI). The first five shares out of the 10 with the highest ROEs are: Singapore Technologies Engineering Ltd

As the US and China returned to trade barbs over bilateral trade, global markets enter a new phase of correction. Not being spared, the local Straits Times Index (STI) also reversed quickly from above 3,350 by end-July to 3,170 level in a matter of one week.  Despite the headlines, it was a perfect storm in the making for a pull-back or stock market correction. Investors needed to readjust their hopes for a quick deal between the US and China after both agreed to restart trade talks during the G20 meeting last month.  That said, the STI has returned to a much more attractive level and hence opportunistic value investors should pick up some blue chips along the way. Here are three blue chips to long amidst the current correction.  CapitaLand Following its $11 billion mega merger with Asc

1. SPH REIT  --  11th Jul 20192. SPH  --  12th Jul 20193. Kep Infra Trust  -- 15th Jul 20194. Kep Reit  --  15th Jul 20195. Kep-KBS US Reit  --  16th Jul 20196. Kep DC Reit  --  16th Jul 20197. CapitaCom Trust  --  17th Jul 20198. Kep Corp  --  18th Jul 20199. SATS  --  18th Jul 201910. FrasersCom Trust  --  22nd Jul 201911. Mapletreelog Trust  --  22nd Jul 201912. CapitaMall Trust  --  23rd Jul 201913. MapletreeInd Trust  --  23rd Jul 201914. Frasers Cpt Trust  --  23rd Jul 201915. MapletreeCom Trust  --  25th Jul 201916. Cache  --  25th Jul 201917. SIA Engg  --  26th Jul 2019 18. Suntec Reit  --  26th Jul 201919. Fr

I like to monitor companies that dish out dividends for investment ideas. In the next few days, there are some companies going ex-dividend. In other words, you need to own shares in the company before a particular day of the week to receive their dividends. Let’s look at three of those companies. Wednesday, 21 August 2019 On Wednesday, Singapore Technologies Engineering Ltd (SGX: S63) will be going ex-dividend. The conglomerate is dishing out S$0.05 per share for its second quarter of 2019. For the latest quarter, ST Engineering’s revenue grew 8% year-on-year to S$1.78 billion while its net profit rose 18% to S$138.2 million. In April, the acquisition of MRA Systems (MRAS) was completed, and that contributed well to both sales and earnings. The group’s future looks brigh