New to investing? Read the following articles for a crash course in investing!
If you want something more in depth, check out our investment courses:
- Complete Guide to Investing for Singapore Investors
- REITs Investing Masterclass
- Stocks Investing Masterclass
Financial Horse Youtube Channel
Introduction to Investing
Keep track of Financial News + ShareInvestor WebPro (coupon code)
Ideal Asset Allocation for Singaporeans
All Weather Portfolio for Singaporeans
Should you take up a Rights Issue?
Understanding Dividend Withholding Tax
Best Stockbroker for Singapore Investors
How to buy US Stocks in Singapore
How to buy Malaysian Stocks in Singapore
How to buy Bitcoin in Singapore/ Best Crypto Exchange in Singapore
Guide to investing in Singapore
How to build an All-Weather Portfolio
How I will invest $1 million in Stocks in 2022 (as a Singapore Investor)
How I will invest $1 million in Dividend Stocks in 2022 (as a Singapore Investor)
How to build a safe Dividend Portfolio in Singapore
Is Gold a good investment right now? / How to Buy Gold as a Singapore Investor
Where would I invest $100,000 in Singapore right now?
Top 5 Singapore Dividend Stocks that yield more than CPF OA
Top 5 Small/Mid Cap Singapore REITs
Top 5 Blue Chip High Yield Stocks to buy for Singapore Investors
Top 5 Value Stocks for Singapore Investors
Top 5 Growth Stocks to buy for Singapore Investors
Top 5 China Value Stocks to buy for Singapore Investors
Top 5 Inflation-Proof Stocks to buy for Singapore Investors
How to Invest $100,000 in REITs in Singapore
Best ETFs/ Index Funds for Singapore Investors
Singapore Property Guide
How to pick the right Property?
Why I bought a Second Condo in Singapore?
How to Avoid ABSD in Singapore
Ask Financial Horse
Check out the Ask Financial Horse series to check out frequently asked questions from other investors!
I’m in my early 20s and new to investing, where should I start?
Play it safe. Focus on the basics, pick a company with a strong business model that generates cashflow, pays out decent dividends, isn’t too hyped up by the market, and hold these stocks with a long-term horizon. For me personally, I target to hit about a 6% to 7% return a year with my investments, so when I buy a 6% yielding REIT, as long as I don’t suffer capital losses I’m good. And concurrently, I’ll focus on earning more at my day job, continuing to invest new money, and over time it really adds up. Full post here.
The most important determinant of your investment returns, and the easiest thing to control, is actually your asset allocation. That’s the split in your asset portfolio, ie. how much you put into stocks, how much into REITs, how much into bonds, cash, property etc. The ideal asset allocation depends on your age, risk appetite etc, and you can have a look at the All Weather Portfolio for the thought process. Full post here.
I am young and ambitious and want to be a millionaire!
Now there are small goals, and there are big goals. Some people write in to Financial Horse with the goal of financial independence and retiring early, or just to have peace of mind in their old age. For those guys, the traditional route of working hard at their day job, investing in an all weather portfolio (or a variant of that), is usually the best answer.
And then we have questions like yours. You’re 25, just started work, and want to be a multi-millionaire. Now I don’t know much about you beyond that, neither do I know whether your multi-millionare refers to $10 million or $100 million. I don’t even think it matters that much. What I do know, is that you’re an ambitious guy, who is unlikely to be satisfied by the more “traditional” routes to success. So here is what I would do, if I have similar goals… Full post here.
Which is the best robo advisor in Singapore? Review Royale!
StashAway Referral Link (50% off your fees for the first SGD 50,000 invested for 6 months.)
Syfe REIT+ Portfolio Review + Promo Code + Syfe Equity 100 Review + Promo Code
ETFs/ STI / World Indexes
A lot of people out there bash the STI ETF (myself included – see a previous post), but if you just want to buy 1 ETF to get broad exposure to the Singapore economy and be done with it, there’s really no good replacement to the STI. So it works, but again when you become more familiar with investments, you can consider replacing it with direct investments into the individual stocks that make up the STI, which gives you greater control over what goes into your portfolio. Full post here.
More information on the world index / S&P 500 here.
Best ETFs/ Index Funds to buy for Singapore Investors here.
When should I rebalance my portfolio?
Rebalancing is overrated (mostly). Rebalancing too often can actually hurt your performance, because it cuts exposure to an asset class just when it is about to go on a big runup in price. Sometimes in investing you just have to be patient and let the market do its thing. I would say annual rebalancing is good enough for most purposes. Read more here.
Investing in Overseas Markets
There’s no need to constrain ourselves to only Singapore based investments. The SGX is still the market leader in Asia ex Japan for REITs, and is strong for the 3 local banks and certain property developers. For everything else though, there’s always Hong Kong or New York. Read more here.
Investing in China tech stocks/ China Value Stocks
Top 5 China Tech Stocks to buy
Best China ETFs to buy for Singapore Investors
Day-trading and short-term investing
Day trading is incredibly hard. A UCLA Berkeley study showed that 40% of traders quit within a month, 87% of traders quit within 3 years and 93% of traders quit within 5 years. If you want to do day trading, chances are you’ll lose money, grow disillusioned, and quit eventually. If you want to day trade your way to financial freedom, well, that sounds like the start of every good bankruptcy story. But I cannot in good conscience tell you to stop day trading. You may well turn out to be the remaining 7% and go on to make a career out of it, eventually heading the Goldman Sachs trading desk and looking after an army of machine learning algorithms. If I tell you to quit day trading, I could well be depriving you of that chance.
So my advice is this. There are many ways to make money in this world. You can make money through short term trading, buying and holding, and multi-decade value investing. There’s no right or wrong here, only what works for you. Read more here.
A worthwhile read from a reader who shared his experience on day trading (scroll to the end!).
CPF and SRS funds
SRS is amazing for tax planning, but the range of investments is less than ideal. Read more here.
Complete Guide to CPF, CPF Life, CPF Investment Strategies
CPF Minimum Sum changes: why I will not top up my CPF
How would I invest my CPF/SRS?
Join Financial Horse’s Investing Community!