I was not really feeling that keen to write a blog post because there's nothing much new.
However that changed as there is simply too much noise and opinions , plus new distractions.


This post will serve as a reminder to myself by the end of the year 2016.


First things first, we have this P2P lending thingy and tbh I was kinda sold (enough for me to create accounts for two of the P2P lenders) Interestingly, what I realised was that how fast these loans get sub out.

Within MINUTES



a friend of mine said that many singaporeans hoard tons of disposable cash and he believes that the usual person you see on the street in our 25-35 age group has about 100k to 200k disposable cash. I hope not, because that is kinda doesnt make sense. Espcially if everyone is crying how expensive 100k cars and 600k hdb flats are.


I do believe however, singaporeans are less keen to use the SGX as a means for investing income as compared to riskier vehicles such as p2p lending/junk bonds(think 2008) and starting a business. Was it because of the 1997 and 2008 crisis? I have no way to find out within my social circle.




Next up is the noise.. friends have been trading furiously, except one. He is earning quite decently and cash savings + dividend portfolio suits him most. (oso lazy) I did my sums and sad to say i cannot ride the trading waves in such a bear market as well , due to reasons such as pending MOP and needing a hefty 55-60k CASH to clear my debts. A potential wedding and etc will set me back at least by another 30k even if the other half chips in significantly. 


Since im bull on property and i believe its fundamentals are very good in SIngapore I am sticking to my guns to just hold and save up.




ACTIONS to take:


Hence in the 2nd half of th year i will:


1) Continue to accumulate quality blue and large cap that has been battered.
2) Stick to dividend portfolio policies but reduce %.
3) Sell high debt level counters gradually - Croesus and OUE C-Reit (reducing their position)
4) Buy into a bit of growth to balance- Dividend are gonna be down in this environment due to lower earnings from stable companies, however new companies and s-chip being not at peak of their potentials can still record above market results and thus rise in share price - drawback is there is usually little to no yield for such counters - Target to position 10-15% monies on growth while
5) Maintaining total portfolio yield at 6% or optimistically 6.5%
6) Hold cash of 10k for unique opportunities - Fullerton Health IPO
7) Diversification to all sectors - as above - 1st entry to healthcare
8) Decide what to do with P2P funds of 1k- not alot but just do something ? thing is Im so busy i missed 3 opportunities to sign up before they got all subsribed - SERIOUSLY singaporeans?


Key thing to remember - blue chips and good dividend counters are only high yield when you buy them EARLY (just ipo) or if you missed it, during bad times such as feb 2016. There is no high yielding low risk low debt stocks. There must be a reason behind it.