T.U.B Investing

I have been prompted by some of my friends, that there are more and more competition within the subscription website space. Before you continue, let me emphasize that I am not belittling any other website or methods. If you are offended by my post, I like to apologize first. And you have been warned... But I am wondering if this happens because of the bull run? Will all the methods stand the test of time? How will a method turn out during a bear market? If a subscriber fully understand how a particular method works? If you do not understand, then are you doing it right? Having been in this industry for some time now, I realise that retail investors are impatient and always tend to go for the fastest method. Picture taken from www.safalniveshak.com A method that can promised returns within a very short time frame is the method they will go for. Thus, this made many investors go for Technical Analysis (aka TA) methods. Fundamental Analysis (aka FA) methods, like those withi...

Since I have written about M1 Ltd (aka M1) in my last post, I felt I should be responsible to write something about its latest full year 2017 earnings report. Firstly, I am delighted. This was because dividend (for the 2nd half of the year) increased, even when the 4th quarter net profit was slightly lower than the year before. In addition, everyone was expecting a lousy quarter because IT IS M1 -  the telecom that is bound to fail! If the results were lousy, everyone will just be like "I told you so..." ; but now everyone is more like "hmmm... is this good or not good?" , just like all the analyst in this article. But What Is My Opinion of M1's Future? Despite being vested in M1, I am VERY SURE its revenue will be impacted by the entry of TPG and MyRepublic this year. Thus, M1's current diversification into IoT is to minimize the impact of the loss of market share within its Telecom business. This should not be seem as a new revenue c...

2 posts ago, I asked readers to choose a counter, that I bought recently, to review. Many commented on CWX Global Limited, which I believe I had already explained quite significantly in that particular post. Therefore, I was reluctant to write about it. Luckily, someone else commented on M1 Limited (aka M1) and so here we go... If you remembered, I wrote about selling all of M1 and keeping ComfortDelGro Corporation Limited (aka Comfort) in September 2017. As of today, I have sold all of Comfort and have repurchased M1. Within a 2 year period, I made some money on M1 but will have also made losses on Comfort. You must have thought why am I doing this – Selling Comfort when Uberflash has been launched, and when they have already established contact with Uber. The main reason was that I do not like Comfort's deal with Uber - such as where will the money come from? Will there be a lowering of dividend? In my opinion, I don't think the bottom has reached yet and it will st...

As per Simple Investor SG Facebook Page , we had a very successful "Face to Face, Ask Us Anything" 1st session! We will definitely continue with this kind of event and we hope to see more participants coming for next few sessions! 1 particular topic that day really impacted me and that is "Concentration or Diversification" ? Simple Investor SG keeps only a handful of counters in his portfolio, while I currently hold about 25 counters in my portfolio. He always explains that he only invest in the top few companies that he determines. The quote he always use is "It is diworsification. Why bother with 7th best or the 8th best company, when you already knew which is your top company?" He tends to dig deep and find out as much as possible about the company prior to investing. Thus, he will only invest once he determines it is one of the best. I totally understand and believe in this theory. I had been wanting to do it, at least try to hold on to 15...

Firstly, before I start, it will be good to inform everyone again on our Face-to Face Ask-Us-Anything session on 16 Jan 2018. Details of the event are listed in this post . If you are interested to come, just come along that evening. So What Had I Done Since The Last Post? Although I have said in my 1st post of 2018 that I felt the market is boring, but at this point, I had already made A LOT OF PURCHASES . As stated in the same post, I ventured actively into the US and HK Market. In addition, I had also tweaked some of my thoughts about the SG market and made some purchases. This came about after I decided I was STILL holding too much cash after venturing overseas  (I had about 40% to 50% of my portfolio) . In this case, I decided to make some short term investment into companies that are getting into certain "situations". This was not what I planned at the start of the year and I was taking more risk investing in these companies. However, I see the taking of ...

Updated: As pointed out by other readers, we can also choose to invest in ABF SG Bond ETF. It is an ETF bond fund in Singapore. It tracks a basket of high-quality bonds issued primarily by the Singapore government and quasi-Singapore government entities. This is a request from my reader/subscriber of Fundamental Scorecard website. She wanted to diversify into bonds. But she has not much idea about bonds other than Singapore Saving Bonds (SSB) . To clarify, my knowledge on bonds are very shallow. Pardon me if I made any mistake in writing of this article. Feel free to comment on any mistake I wrote in the comments below. For me, I seem to have a similar issue with my reader. My portfolio consist of about 40% to 50% cash at the start of 2018 (After restarting my portfolio and selling various counters at the end of 2017) and I wanted to find another way to diversify. This is because I felt the equities market is slightly too bullish for my current liking. If you wa...

Dear Readers and Subscribers, This year, Simple Investor SG (aka Simple) and I will start with something different. We will be organizing a FREE face to face "Ask Us Anything" event ! Yes, you heard that this is a free event! This will be similar to Youtubers' meet and greet event - you will meet us and you can ask us anything! Background on Simple and I Simple and I partnered to create the Fundamental Scorecard website . It is basically a website that portray our investment methods into 2 different scorecard methods ( Full Analysis from Simple Investor SG and Ultimate Scorecard from me ) . A scorecard method can be considered as a  mechanical/systematic  way of investing, where your consideration is based on facts and numbers, while your emotions and bias are put aside. Through these methods, Simple and I had more wins than losses and we believe that anyone who follow these methods will be able to attain similar results! Retail investors can subscribe to ...

This is my first post for 2018 and I have a confession to make. I am rather bored looking at the Singapore market. I just feel that there are no value left. Many of the investors may differ from how I feel. But somehow in my head, I hope this bull stops running for a while . In the meanwhile, I am also worried looking at the US markets hitting new highs everyday . In my head, I am bored and worried at the same time. This could also be the consequences of restarting my portfolio and holding over 50% cash right now (Injected more cash into the portfolio since it restarted) . Thus, I started looking more at the US and Hong Kong markets. Looking at these markets, which I am still not so familiar with, could also be a consequence of setting my target too high (Recap: 30%!) .  As B stated in one of the comments on my Facebook Page post, setting such a high target may result in me taking unnecessary risks. Nevertheless, within the spectrum of investing, ...