28-06-2012, 02:12 PM
(28-06-2012, 01:32 PM)Temperament Wrote: [ -> ]If you are happy with your "homework", so be it. Shalom.
I know there are many people who are wary/do not believe in preference shares and I presume you're one of them?
(28-06-2012, 01:32 PM)Temperament Wrote: [ -> ]If you are happy with your "homework", so be it. Shalom.
(28-06-2012, 02:12 PM)bb88 Wrote: [ -> ](28-06-2012, 01:32 PM)Temperament Wrote: [ -> ]If you are happy with your "homework", so be it. Shalom.
I know there are many people who are wary/do not believe in preference shares and I presume you're one of them?
(28-06-2012, 03:21 PM)Temperament Wrote: [ -> ](28-06-2012, 02:12 PM)bb88 Wrote: [ -> ](28-06-2012, 01:32 PM)Temperament Wrote: [ -> ]If you are happy with your "homework", so be it. Shalom.
I know there are many people who are wary/do not believe in preference shares and I presume you're one of them?
Yes! My psyche does not allow me to buy this type of products. i like to B/S anytime i like. Another words i dislike perpetual redemption terms. To me is head they win tail we lose kind of contractual terms. Anyway, anyone can make money in his own way. i think only the pigs and lemmings have got no chance. No chance at all. MHO.
(27-06-2012, 11:31 PM)karlmarx Wrote: [ -> ](27-06-2012, 08:55 PM)shanrui_91 Wrote: [ -> ]Hi all, need some input on this matter
If someone were to provide you with a $36000 4 years interest free loan, what will you do with it? You can choose to repay in full amount before the 4 years are up and you will not have to pay any interest. However, if you fail to repay in full, you will be charged 4.75% interest rate annually.
Will you put it in fixed deposit (ICICI 1.55%) , retail bond (F&N 2.48%) or dividend stock(SPH 5-6%) or in any other proportion?
4 years is a pretty long time. I will go with one or two stocks to be owned over this period. Market risks are reduced over a long investment time horizon (and good stock picks). Furthermore, your busy school schedule should distract you sufficiently from touching your portfolio, and worse, worrying over it.
(01-07-2012, 04:52 PM)Jared Seah Wrote: [ -> ]Hello Tanlui,
What do you think?
(01-07-2012, 05:00 PM)tanlui Wrote: [ -> ]was thinking of bonds, reits, equities on sgx. but for someone with limited knowledge like me, it's very hard. but don't trust unit trusts or advisers, so any advice here?
(01-07-2012, 05:51 PM)d.o.g. Wrote: [ -> ](01-07-2012, 05:00 PM)tanlui Wrote: [ -> ]was thinking of bonds, reits, equities on sgx. but for someone with limited knowledge like me, it's very hard. but don't trust unit trusts or advisers, so any advice here?
Your first investment should be into acquiring more knowledge. Spend some time reading up on financial planning to figure out how to allocate your money:
1. Are you adequately insured? If you are not, fix this first!
2. What is your $100k for - wedding, car, house, kid's education, retirement etc?
3. What is your risk appetite - how much price volatility can you stomach? How much are you prepared to lose?
4. Are you willing to DIY or pay others to do it?
Only after you have answered #1-4, should you even consider WHAT to invest into.
If you want to DIY, then read some books on investing into stocks, bonds etc. If you want to pay others to do it, then read some books about selecting funds/advisors.