Posts: 3,474
Threads: 95
Joined: Jul 2011
Reputation:
17
If SA 4% p/a is guaranteed, i think it is not bad if you can afford to treat it as an "asset allocation".
By the way, i am also treating my wife's RA as "asset allocation" as long as CPF is paying 4% p/a. But i know each of us have different investment situation. Just make sure you can get more than 4% p/a return and your SA's principal as safe as possible.
Shalom.
WB:-
1) Rule # 1, do not lose money.
2) Rule # 2, refer to # 1.
3) Not until you can manage your emotions, you can manage your money.
Truism of Investments.
A) Buying a security is buying RISK not Return
B) You can control RISK (to a certain level, hopefully only.) But definitely not the outcome of the Return.
NB:-
My signature is meant for psychoing myself. No offence to anyone. i am trying not to lose money unnecessary anymore.
Posts: 1,889
Threads: 5
Joined: Feb 2011
Reputation:
15
(23-07-2013, 09:27 AM)wsreader Wrote: (23-07-2013, 09:04 AM)KopiKat Wrote: I used POEMS and sell via 'UNIT SHARE' and amalgamate with whole lots to work around this.
is the amalgamation automatic or u have to inform your broker?
Automatic. If you noticed any problem when you check the total the next day, call the broker to immediately rectify. Can happen if it's the first time you're doing it. Happened to me for a normal trade when they charged wrong comms rate when I hit a higher tier for the first time...
Posts: 406
Threads: 8
Joined: Dec 2010
Reputation:
5
(23-07-2013, 08:58 AM)yeokiwi Wrote: For those who are interested. More info on POSB investsaver.
http://www.posb.com.sg/personal/landing/...pid=vanity
There is a typo in para 4 of the FAQ under the heading "Subscription, Redemption and Termination of the POSB Invest Saver".
In the text somewhere between the 2 examples :
.....sales charge of the residual units of 0.5 (should be 0.82) units will be refunded back to you.
Posts: 222
Threads: 1
Joined: Dec 2010
Reputation:
1
(23-07-2013, 09:33 AM)Temperament Wrote: If SA 4% p/a is guaranteed, i think it is not bad if you can afford to treat it as an "asset allocation".
By the way, i am also treating my wife's RA as "asset allocation" as long as CPF is paying 4% p/a. But i know each of us have different investment situation. Just make sure you can get more than 4% p/a return and your SA's principal as safe as possible.
Shalom.
could this lifting be a precursor to scrapping the guaranteed 4%? 
Posts: 2,802
Threads: 170
Joined: Sep 2010
Reputation:
1
(23-07-2013, 09:03 AM)egghead Wrote: (23-07-2013, 08:58 AM)yeokiwi Wrote: Talk so much, why don't they remove the 1000 share per lot restriction. It makes investment so much more accessible.
Totally agree - many times, I opted out of script dividend because of the resulting odd lots. why they don't want to remove this restriction? is there something that may disadvantage sgx?
Posts: 3,682
Threads: 6
Joined: Oct 2012
Reputation:
94
23-07-2013, 11:27 AM
(This post was last modified: 23-07-2013, 11:28 AM by specuvestor.)
(23-07-2013, 11:04 AM)kichialo Wrote: (23-07-2013, 09:33 AM)Temperament Wrote: If SA 4% p/a is guaranteed, i think it is not bad if you can afford to treat it as an "asset allocation".
By the way, i am also treating my wife's RA as "asset allocation" as long as CPF is paying 4% p/a. But i know each of us have different investment situation. Just make sure you can get more than 4% p/a return and your SA's principal as safe as possible.
Shalom.
could this lifting be a precursor to scrapping the guaranteed 4%?
It is already scrapped around 3 years ago... officially it should be pegged to 10 year +1% but govt continued to maintain it at 4%. It is no longer carved in stone.
http://mycpf.cpf.gov.sg/CPF/News/News-Re...un2013.htm
Before you speak, listen. Before you write, think. Before you spend, earn. Before you invest, investigate. Before you criticize, wait. Before you pray, forgive. Before you quit, try. Before you retire, save. Before you die, give. –William A. Ward
Think Asset-Business-Structure (ABS)
Posts: 1,045
Threads: 5
Joined: Nov 2012
Reputation:
6
(23-07-2013, 11:27 AM)specuvestor Wrote: (23-07-2013, 11:04 AM)kichialo Wrote: (23-07-2013, 09:33 AM)Temperament Wrote: If SA 4% p/a is guaranteed, i think it is not bad if you can afford to treat it as an "asset allocation".
By the way, i am also treating my wife's RA as "asset allocation" as long as CPF is paying 4% p/a. But i know each of us have different investment situation. Just make sure you can get more than 4% p/a return and your SA's principal as safe as possible.
Shalom.
could this lifting be a precursor to scrapping the guaranteed 4%?
It is already scrapped around 3 years ago... officially it should be pegged to 10 year +1% but govt continued to maintain it at 4%. It is no longer carved in stone.
http://mycpf.cpf.gov.sg/CPF/News/News-Re...un2013.htm
Rumored that they no longer want to maintain it from next yr onwards. Present 10yr bond stands at around 2.4-2.5%, so SA rate will drop to 3.5%?
Posts: 3,682
Threads: 6
Joined: Oct 2012
Reputation:
94
^^ Click the link 
Before you speak, listen. Before you write, think. Before you spend, earn. Before you invest, investigate. Before you criticize, wait. Before you pray, forgive. Before you quit, try. Before you retire, save. Before you die, give. –William A. Ward
Think Asset-Business-Structure (ABS)
Posts: 1,045
Threads: 5
Joined: Nov 2012
Reputation:
6
10Yr interest much higher now.
Posts: 3,682
Threads: 6
Joined: Oct 2012
Reputation:
94
23-07-2013, 04:58 PM
(This post was last modified: 23-07-2013, 04:59 PM by specuvestor.)
"The average yield of the 10YSGS plus 1%, from 1 June 2012 to 31 May 2013, works out to be 2.43%" -it is a rolling 1 year average yield
Before you speak, listen. Before you write, think. Before you spend, earn. Before you invest, investigate. Before you criticize, wait. Before you pray, forgive. Before you quit, try. Before you retire, save. Before you die, give. –William A. Ward
Think Asset-Business-Structure (ABS)
|
Homepage
PR Newswire
