Investing Updates : Retirees should build nest egg of at least S$550,000 for ‘conservative’ needs, but Gen Zs, millennials could fall behind: DBS

Source:

https://www.businesstimes.com.sg/international/global/globalfoundries-sinks-red-us730-million-q4-loss-due-impairment-charge

Apple Intelligence:

• Retirement Savings Goal: A 65-year-old retiree would need a nest egg of at least S$550,000 to meet expenses based on “conservative needs” for 20 years.

• Younger Investors’ Savings: Younger investors are saving the smallest proportion of their monthly income for investment among all pre-retirement age groups.

• Younger Investors’ Investment Strategy: Younger investors who do start planning early are overly conservative and concentrate more than half their investments in fixed-income instruments.

• Investment Habits of Young Investors: Investors aged 25 to 44 invest the smallest proportion of their monthly income (15-17%) among pre-retirement age groups.

• Investment Allocation of Young Investors: Young investors tend to be overly conservative, allocating over half their investments to fixed-income instruments like T-bills and SSBs.

• Recommendation for Young Investors: Young investors are advised to allocate a larger portion of their investments to equities for potentially higher returns and consider diversifying into global and regional equities.

• Investment Performance Comparison: Equities historically offer significantly higher returns than bonds, with a 10-15% return over 15 years compared to bonds’ 0.7%-2% return.

• Equity Investment Advice: Younger investors should embrace equities despite volatility, as a long-term investment horizon mitigates short-term fluctuations.

• Retirement Income Generation: Older investors should focus on building passive income streams, such as unlocking equity from property, to ensure a sustainable retirement income.

Opinion:

I do agree that younger investors are taking too less risk. Just a personal feeling.

Everyone's "enlightenment" will occur differently.

I think wider reading and research will make the process faster.

Investing Updates : Chocolate Finance App, is it worth using for Cash Management?

URL: https://medium.com/@winsonfong1982/chocolate-finance-app-is-it-worth-using-for-cash-management-6e903de97ec0

First Medium post created for fun! 😊

Investing Updates: Here's the Breakdown for US December Nonfarm Payrolls, in One Chart

URL: https://www.moomoo.com/community/feed/113804425691145?global_content=%7B%22promote_content%22%3A%22mm%3Afeed%3A113804425691145%22%2C%22invite%22%3A103096561%7D&is_recommendation=0&is_recommend_pos=0&futusource=news_headline_list

Gemini Summarized:

The US economy added 256,000 jobs in December 2024, exceeding market expectations. Key sectors like healthcare, government, and retail saw growth, while manufacturing declined. This follows a year of job growth, though at a slower pace than 2023. The strong jobs report negatively impacted stock futures.

Investing Updates: JS-SEZ in the Making, Which Concept Stocks Are Riding the Wave?

URL: https://www.moomoo.com/community/feed/113795604873222?global_content=%7B%22promote_content%22%3A%22mm%3Afeed%3A113795604873222%22%2C%22invite%22%3A103096561%7D&is_recommendation=0&is_recommend_pos=1&futusource=news_headline_list

Gemini Summarized:

The article discusses the newly established Johor-Singapore Special Economic Zone (JS-SEZ) and the concept stocks that are expected to benefit from it.

The JS-SEZ is a massive development zone spanning 3,500 square kilometers, modeled after successful economic zones like Shenzhen and Suzhou in China. The zone aims to enhance cross-border connectivity, facilitate movement of people, and strengthen business ecosystems between Singapore and Malaysia.

Here are the three key focus areas of the JS-SEZ:

• Energy Transition: The zone will target companies working on clean energy solutions, aligning with the national energy goals of both countries.

• Infra & Transportation: Both countries will invest in infrastructure projects to support the expected surge in cross-border traffic.

• Technology: The JS-SEZ aims to attract high-tech firms in areas like data centers, smart cities, and electronic manufacturing services (EMS).

The article also lists some concept stocks that are likely to benefit from the JS-SEZ development. Here are a few examples:

• Energy Transition: Tenaga Nasional ($TENAGA), Cypark Resources ($CYPARK), Svest Berhad ($SLVEST)

• Infra & Transportation: Gamuda Bhd ($GAMUDA), IJM Corporation ($IJM), YTL Corporation ($YTL)

• Technology: MYEG ($MYEG), ITMax Holdings ($ITMAX), Theta Edge Berhad ($THETA)

Investing Updates: Singapore to become Asia’s next crypto hub with 'risk-adjusted' regulation

URL: https://cointelegraph.com/news/singapore-crypto-licenses-web3-blockchain-leader

Gemini Summarized:

This is a document about Singapore's rise as a crypto hub. It discusses the country's crypto-friendly regulations and the doubling of licenses issued in 2024. Singapore's risk-adjusted approach to crypto regulation and ease of interaction with local banking partners are key factors in its success. The country is home to 1,600 blockchain patents, 2,433 industry-related jobs and 81 crypto exchanges. Singapore issued 13 MPI crypto licenses in 2024, more than twice as many as in 2023. These licenses may further solidify Singapore's status as a global blockchain leader.

Investing Updates: Wall Street’s Forecasts for 2025: S&P 500 May Jump Above 7,000 Points

URL: https://ttm.financial/news/1175058181?lang=en_US&edition=fundamental

Gemini Summarized:

Summary:

• Consensus Bullish Outlook: Most major banks predict another strong year for the S&P 500 in 2025, with target prices ranging from 6,500 to 7,007.

• Key Drivers:
• Easing Monetary Policy: Lower interest rates are expected to boost stock valuations.
• Strong Earnings Growth: Projections for double-digit earnings growth across sectors.
• AI-Driven Growth: Increased investment in AI is seen as a significant driver.
• Economic Recovery: Continued economic expansion and improving market breadth.
• Political Factors: A more business-friendly environment under the new administration.

• Investment Strategies:
• Diversification: Banks recommend diversifying portfolios beyond Big Tech, focusing on sectors like financials, communications, and consumer staples.
• Mid-Cap Growth: Favorable outlook for mid-sized growth companies.
• Value Stocks: Some banks anticipate a resurgence of value stocks.
• AI-Related Companies: Investing in companies that are leveraging AI technology.

Investing Updates: 2024 Sees ETF Inflows Surpass $1 Trillion, Extending Record Year

URL: https://www.moomoo.com/community/feed/113644963299341?is_recommendation=0&is_recommend_pos=1&futusource=news_headline_list

Summarized:

In 2024, the ETF industry reached a record high with over $1 trillion in inflows, surpassing the previous record of $920 billion set in 2021. This growth is attributed to a shift in investor preference from traditional mutual funds (which saw outflows) to ETFs.

The most popular ETF was the Vanguard S&P 500, attracting $100 billion. However, the fastest growing new ETF was the iShares Bitcoin Trust, reflecting growing interest in cryptocurrencies.

Looking ahead to 2025, Bitwise Asset Management predicts a "golden age of crypto" with continued growth in bitcoin ETFs due to factors like increased institutional investment and potential regulatory improvements.

Investing Updates: Google’s Willow vs Bitcoin: Are Your Coins Safe?

URL: https://www.youtube.com/watch?v=olJ7eI_Co7w&list=WL&index=2&t=113s

Investing Updates: STI Hits 17-Year High, What's Next?

URL: https://www.moomoo.com/community/feed/sti-s-november-surge-signals-rising-investor-confidence-113633670266886

The Straits Times Index (STI) hit a 17-year high of 3739.29 in November, boosted by strong bank performance and defensive stock characteristics amid global market volatility. Analysts attribute the rise to high dividend yields (4.9% in Asia-Pacific) and robust financial and real estate sectors. Predictions suggest STI may surpass its 2007 high of 3906.16 and reach 4000 points in 2025. Amid uncertainty from U.S. policy changes, Singapore’s stability attracts investors, supported by strong banking stocks and growth in the semiconductor-driven manufacturing sector.

Investing Updates: How to Build a Reliable Income Stream with REITs In Singapore

URL: https://www.danconsultancy.com/post/how-to-build-a-reliable-income-stream-with-reits-in-singapore

To build reliable income with REITs in Singapore, focus on operational yield for sustainable cash flow, avoiding misleading headline yields. Prioritize REITs with ethical, proven management to ensure stability and avoid capital loss risks. Differentiate between strategic REITs (long-term, stable income) and tactical REITs (short-term, higher-risk opportunities for gains). A balanced portfolio with these principles can deliver steady dividends and minimize risks over time.

Investing Updates: How Will Singapore, Malaysia, And Other Asian Countries’ Stock Markets Fare In 2025?

URL: https://dollarsandsense.sg/how-singapore-malaysia-asian-countries-stock-markets-fare-2025/

Asian stock markets face mixed prospects in 2025 amid geopolitical shifts, including Trump’s second term as U.S. president. Singapore’s economy, supported by strong banking sector fundamentals, may navigate trade uncertainties with fiscal resilience. Malaysia benefits from rising FDI and wage growth, ensuring market stability. China aims for economic stabilization, not acceleration, while Korea’s undervalued export sectors hold rebound potential. India’s domestic market shields it from trade risks, unlike Vietnam’s trade-dependent economy. Both countries remain key players in global manufacturing diversification.