Investing Updates : Portfolio Strategy

• I think a lot of people's portfolios are at all time high right now.
• So the question on many people's minds might be what's next to add? 😋

• For me, I will be continuing to adjust my portfolio ratios to the targeted 30/30/30/10 percentages. (See Portfolio link)
• As Crypto goes higher, I will gradually sell to realise gains and move the crypto ratio closer to 10%

• Imo, many SG-based financial influencers have recommended either SG Banks or REITs for local market investments. I've chosen REITs as a larger percentage of portfolio allocation because it fits my investing strategy and principles. I want to enjoy a bit along the way with dividends while riding on some capital gains.

• For overseas market, I will stick with VWRA and VUAA investments for exposure to U.S. If Trump really pushes the market higher for the coming years, these 2 ETFs should do well and they are Ireland-domiciled which can avoid estate tax complications.

• On earning activities, I've re-assigned more allocations to DeFi platforms throughout the year. I see the potential upcoming altcoin season as being bullish to the DeFi space.

• I'm pondering how I can make more side income e.g. starting casual YouTube channel with AI prompts, besides the ones I am currently using. Platform referrals have worked well and I like to thank all those who read my blog and used my referral codes 👍

• Congrats to all of us investing this year 💥

Investing Updates : Bitcoin Surges Towards $100,000: Who's Driving the Rally and What's Next

URL: https://www.moomoo.com/community/feed/bitcoin-surges-towards-100-000-who-s-driving-the-rally-113525701083142

Bitcoin is approaching the $100,000 milestone, fueled by a 130% YTD gain, positive news in the crypto sector, and increasing institutional investments. Key drivers include discussions of crypto policy in the U.S., a potential SEC leadership change, and a surge in Bitcoin ETF assets. Experts predict volatility, with potential corrections to $80,000, but remain bullish on long-term growth.

Investing Updates: Berkshire Hathaway Trims Apple, Bank of America

URL: https://www.moomoo.com/community/feed/113486598635525?is_recommendation=0&is_recommend_pos=1&futusource=news_headline_list

Berkshire Hathaway’s Q3 updates reveal Warren Buffett’s cautious strategy amid overvalued markets, reflected in record cash reserves of $325.2 billion. The company trimmed stakes in Apple (down to 26.24% of its portfolio) and Bank of America, while fully exiting Ulta Beauty. In contrast, Buffett expanded holdings in SiriusXM to 32% and initiated positions in Domino’s Pizza and Pool Corporation, targeting undervalued stocks. These moves highlight Buffett’s preference for value investments in less overheated sectors, against a backdrop of high S&P 500 valuations and a surging “Buffett indicator” signaling potential market overvaluation.

Investing Updates : BTC Price Targets

URL: https://www.moomoo.com/community/feed/113464869650441?is_recommendation=0&is_recommend_pos=0&futusource=news_headline_list

The Moomoo article discusses the next price target for Bitcoin, which is expected to hit $120,000, driven by increased institutional interest and a favorable macroeconomic environment. Factors like high inflation and dollar weakening contribute to Bitcoin’s appeal as a hedge asset. Recent regulatory progress and ETF approvals have also bolstered confidence in the cryptocurrency, with analysts projecting strong demand and potential for Bitcoin to reach new highs.

It feels like a real bull run has started for crypto. 

Will be claiming and selling altcoins along the way to adjust portfolio allocations.

100k by 2024 year end would be great 💪

Investing Updates : Lowest SSB demand in more than 2 years

URL: https://www.businesstimes.com.sg/companies-markets/demand-singapore-savings-bond-slides-lowest-february-2022-10-year-average-return-2-56

Here's a brief summary of the article:

1. Lowest Demand Since February 2022: The demand for the latest Singapore Savings Bond (SSB) issuance reached its lowest level by absolute value since February 2022.

2. 10-Year Average Return: The 10-year average return for the latest issuance is 2.56%, which is a new low for 2024.

3. Applications and Allotment: The November issuance received applications totaling S$99.6 million for the S$600 million on offer, with S$92.2 million being fully allotted.

4. Comparison with Previous Issuance: In comparison, the October issuance received S$206.6 million in applications for the S$800 million on offer.

5. Interest Rates: The latest issuance offered a first-year interest rate of 2.25%, down from the October issuance's 2.59%.

   
   

   "As expected, lots of retail investors are seeking better returns elsewhere. If you believe the bull market still has legs, it's not too late to hop on the stock market bandwagon. 

   
   

   Personally, I've invested additional funds into EndowUS Flagship CPF Portfolio using CPF OA. It's generated 5%+ return for me so far over 3 years and I'm predicting it will continue to do well."

Investing Updates : S&P500 10 Year Poor Returns - Goldman Sachs

 

Investing Updates : Bull Market Turns 2 Since October 2022

URL: https://www.moomoo.com/community/feed/bull-market-turns-2-is-the-best-yet-to-come-113305742671877

OpenAI:

Here are the 5 key points from the article on Moomoo about the bull market turning two years old:

• 65% Gain: The S&P 500 has gained 65% since October 2022, hitting its 45th record high.

• Historical Performance: The average bull market since World War II lasts about five years, with a median gain of 100%.

• Future Outlook: The article suggests that the bull market is not over yet and highlights several factors that could support further growth.

• Investment Opportunity: It reassures investors that it's not too late to invest, as the market still has potential for long-term gains.

• Key Themes: The article explores key themes and factors that are driving the current bull market and why they are important to consider.

My Thoughts:

So many influencers, analysts, etc have said the bull market is strong and will continue for a few more years.

Based on historical data, there's no denying it. 

For people like me with 13+ years to 55 years old, can take some risks. One could argue it would take some awful luck to hit the lost decade years ( 2000 - 2010 ) if you invest now.

Do your due diligence and proper allocations though. No one knows the future.

Investing Updates : SGX Revival

URL: https://www.theedgesingapore.com/news/markets/singapore-exchange-insiders-cast-doubt-stock-market-revival

OpenAI

The article from The Edge Singapore delves into the skepticism among insiders regarding the revival of the Singapore stock market. Despite various efforts to rejuvenate the market, such as introducing new listings and making regulatory changes, insiders remain doubtful about a significant turnaround.

Key points from the article include:

• Low Trading Volumes: One of the primary concerns is the persistently low trading volumes, which indicate a lack of active participation from investors.

• Investor Interest: There is a noticeable lack of interest from both retail and institutional investors. This disinterest is attributed to various factors, including the availability of more attractive investment opportunities in other markets.

• Competition from Other Financial Hubs: Singapore faces stiff competition from other financial centers like Hong Kong and Shanghai, which are drawing more attention and capital.

• Regulatory Environment: While regulatory changes have been made to attract more listings and improve market conditions, these measures have not yet yielded the desired results.

• Market Sentiment: Overall market sentiment remains cautious, with many investors preferring to wait and see how global economic conditions evolve before committing more capital to the Singapore market.

These factors collectively contribute to the ongoing challenges faced by the Singapore Exchange in its efforts to revive the stock market.

My Thoughts

• Tough road for SGX.

• Will still invest in STI and REITs. 

• I think we need to inject major stimulus and lessen regulations to boost local IPOs. Exactly how to do it? Will see what the committee, experts do 😉

Investing Updates : Fed Rate Cut

https://www.moomoo.com/community/feed/113168822240037?is_recommendation=0&is_recommend_pos=1&futusource=news_headline_list

OpenAI

On September 18, 2024, the Federal Reserve announced a significant cut in its benchmark interest rate by 50 basis points, reducing the federal funds rate to a range of 4.75% to 5%. This marked the first rate cut since March 2020 and was a pivotal shift from the Fed’s recent focus on inflation control. The cut reflects the Fed’s confidence that inflation is under control and signals its efforts to protect the labor market amid signs of economic cooling.

Market Reaction:

- Stock Markets: Major stock indexes such as the S&P 500 and Nasdaq reacted positively, with both gaining following the announcement. Small-cap stocks led the rally, suggesting optimism among investors, particularly in sectors that are more sensitive to interest rates. However, the market also experienced some volatility, with Treasury yields fluctuating immediately after the decision.

- Economic Outlook: Fed Chair Jerome Powell highlighted the importance of balancing economic growth and inflation, stressing that the Fed would be cautious with future rate changes. He acknowledged that while inflation is nearing the Fed’s 2% target, reducing rates too quickly could risk inflation rising again. Powell also noted that the labor market remains robust, which supports the Fed’s confidence in making this rate adjustment.

The Fed hinted that more rate cuts are likely by the end of the year, though Powell emphasized a gradual approach going forward to avoid destabilising the economy. Investors remain hopeful, though cautious, about how these cuts will impact broader economic conditions, especially in housing and consumer lending.

My Thoughts

• Here we go, first Fed rate cut finally done 👏

• Positive reactions for both equities and crypto so far. Things such as SSB, T-Bills, Savings interest rates will start to come down soon. 

• If you are in 60s or retirement phase, best to lock in stable purchases now. If you are 40s like me, SG REIT ETFs have not reach all time highs yet. Some pullback is expected and it may be wise to put some when it happens.

Investing Updates : REIT ETF Product Highlights Sep '24

https://api2.sgx.com/sites/default/files/2024-09/REIT%20ETF%20Highlights_%20Sep%202024.pdf

OpenAI

Here's a summary and key takeaways from the article titled "REIT ETF Highlights - Sep 2024":

Summary:

1. September Performance: The REIT ETFs experienced varied performance in September 2024, with some showing positive returns while others faced declines. This performance was influenced by market dynamics and economic factors.

2. Market Trends: The article notes ongoing trends impacting REIT ETFs, including interest rate fluctuations and shifts in investor sentiment towards different real estate sectors.

3. Top Performers: Specific REIT ETFs stood out for their strong performance during the month. These include funds with substantial gains, reflecting their underlying assets' robust performance.

4. Sector Analysis: A detailed analysis of different real estate sectors within the REIT ETFs is provided, highlighting which sectors performed well and which underperformed, including sectors like industrial, office, and retail.

5. Investment Insights: The article offers guidance on how to navigate REIT ETF investments, emphasizing the importance of understanding sector-specific dynamics and market conditions when making investment decisions.

Key Takeaways:

- Diverse Performance: Performance of REIT ETFs was mixed in September, indicating variability in returns based on individual ETF holdings and broader market conditions.

- Interest Rates Impact: Interest rates continue to play a significant role in influencing REIT ETF returns, with rising rates potentially affecting fund performance negatively.

- Sector Variability: Different real estate sectors had different impacts on ETF performance, with some sectors like industrial showing stronger results compared to others.

- Top Funds: Certain REIT ETFs excelled in performance, suggesting that targeted investments in specific funds could yield better returns.

- Strategic Investing: Investors should consider sector trends and market conditions carefully when investing in REIT ETFs to optimize their portfolio performance.

My Thoughts

• Still adding allocations to REIT ETFs. Imo, they are more attractive than the safe SSB, T-Bills since those rates are falling rapidly.

• I think they will reach their ATHs in the next 2 years or so. By then, will need to assess which to rotate to. Financial cycles are quite "predictable" in the broad sense especially long-term. 

• But most people can't or don't want to see that far out. A lot of financial articles or blogs are framed around short term mindsets too. Sometimes it's good to visit hardwarezone, reddit, etc financial forums for financial enlightenment, they have some smart people with smart comments.

Investing Updates : Sep Market Performance

https://www.moomoo.com/community/feed/113067826938265?is_recommendation=0&is_recommend_pos=0&futusource=news_headline_list

OpenAI

1. The U.S. stock market has gained for four months but faces a historically challenging September, with an average loss of 1.04% since 1990.

2. Factors like increased volatility, institutional selling, and individual investor behavior contribute to the "September Effect."

3. This year may differ due to an expected rate cut by the Federal Reserve and it being an election year, which typically sees less negative impact.

4. Investors can protect against volatility through strategies like volatility trading, high dividend trading, and holding cash.

5. Historically, U.S. stocks rebound strongly in the fourth quarter after September declines.

My Thoughts

• I think a sell off is imminent in Sep. 

• It's a good chance to allocate more as many feel Q4 would be bullish.

• Imo, this year looks set to have a great ending. It would take a black swan event to really crash the market.

Investing Updates : BitCoin Q4 Consolidation

https://www.moomoo.com/community/feed/will-bitcoin-end-its-consolidation-in-q4-and-enter-a-113033908453381

OpenAI - "Summarise article in 5 key points"

The article discusses Bitcoin's potential to break out of its current consolidation phase in Q4 2024 and enter a bull market. Here are the key points:

1. Bitcoin has been consolidating for nearly six months, longer than usual.

2. Historical data shows Bitcoin often performs poorly in September but well in October.

3. A Fed rate cut and upcoming U.S. presidential elections could impact Bitcoin prices.

4. If patterns hold, a bull market might start in Q4 2024 or early 2025.

5. The outcome depends on market reactions to macroeconomic factors and political events.

My Thoughts

• Looking good based on 10 years' trends.
• I predict 1 red and 3 greens. 
• Diamond hands FTW.

Investing Updates : Tiger Cash Boost Account

https://growbeansprout.com/tiger-cash-boost-account-review?utm_source=telegram&utm_medium=social

OpenAI - "Summarise this article in 5 points"

Here are five key points from the article:

1. Lower Fees: The Tiger Cash Boost Account allows for reduced fees when selling SGX-listed stocks linked to CDP.

2. Instant Trading Limit: Users receive a buy limit of SGD 20,000 without needing upfront funds.

3. Contra Trading: Enables buying stocks without upfront cash, with a period to settle or sell.

4. Risks: Potential for significant losses due to market volatility and interest charges.

5. Access: Offers broad market access to stocks in Singapore, the U.S., and Hong Kong.

My Thoughts

• This is a cool development.
• Going to try selling CDP shares via this method in future to save costs. Previously, I was using FSMOne as they had lower fees.
• Hope this pushes all brokerages to react and revise better rates for all of us.

Investing Updates : FED Easing Cycle

https://www.moomoo.com/community/feed/112921087180806?is_recommendation=0&is_recommend_pos=1&futusource=news_headline_list

AI Summarisation

The article discusses which sectors might benefit if the Federal Reserve begins to ease monetary policy. It suggests that technology, real estate, and consumer discretionary sectors could see positive impacts due to lower interest rates and improved borrowing conditions. The article emphasizes the importance of monitoring Fed policy decisions, as they can significantly influence market dynamics and investment strategies.

My Thoughts

• Nice Infographic.
• Imo, the wars and geo-political tensions need to end for sustainable all time highs.
• FED will likely react too slow. There could be a mini recession in the next 3 years.

Investing Updates.: Endowus Flagship CPF Portfolio Changes

AI Summarization

Endowus prioritizes security and safety for its clients. Here’s how they keep your assets secure:

1. Custody Account with UOB Kay Hian: When you create an Endowus account, a custody account is established in your name with UOB Kay Hian. All your assets and transactions are processed by UOB Kay Hian, ensuring that Endowus cannot access your funds even in unlikely scenarios¹².

2. World-Class Security Standards: Endowus implements rigorous third-party assurance frameworks, including regular penetration testing, to match global institutions’ security standards¹.

3. Two-Factor Authentication (2FA): For added security, 2FA is implemented for every transaction on your account.

Regarding CPF Flagship Portfolio changes, Endowus has proposed enhancements:

• Equity Component: Introducing tilts to value, small-cap, and profitability factors, enhancing long-term return potential. Geographical exposure is balanced, and fund-level fees are reduced³.

• Fixed Income Component: A new globally diversified bond portfolio (Dimensional Global Core Fixed Income III Fund) offers exposure to developed markets corporate credits, improving long-term returns³.

Remember, you can choose to accept or reject these changes based on your preferences³. 🌟🏦📈

My Thoughts

• Been with Endowus since 2021, primarily using DCA with various amounts for CPFIS investments.
• Doing great so far. 4.8% per year. Better than 2.5% CPF so far 😉
• Would it been better had I DIY investing over the same time period? Maybe. But that would meant more time spent on executing trades, re-balancing, etc. i.e. taking away some personal & family time...

https://endowus.com/insights/rpc-flagship-cpf-dimensional

Investing Updates : MAS on REITs Leverage Requirements

AI Summarization

Certainly! The Monetary Authority of Singapore (MAS) has recently proposed changes that could benefit Singapore-listed Real Estate Investment Trusts (S-Reits) nearing existing regulatory gearing limits. Here are the key points:

1. Aggregate Leverage Limit Increase: MAS aims to raise the aggregate leverage limit for S-Reits. This means they’ll have more flexibility in managing their leverage requirements. Most S-Reits have maintained aggregate leverage ratios under 45%, but the proposed changes will provide additional breathing room¹.

2. Interest Coverage Ratio (ICR) Adjustment: Under the proposed changes, all S-Reits will be subject to a lower minimum ICR of 1.5 times (down from the previous requirement) and a higher gearing ratio of 50%¹.

These adjustments are designed to foster prudent borrowing by S-Reits. Notable beneficiaries may include Suntec Reit, Mapletree Pan Asia Commercial Trust, Lendlease Global Commercial Reit, and Keppel Reit¹. If you’re interested in real estate investment, keeping an eye on these developments could be valuable! 🏢📈¹²

My Thoughts

• Interesting development from MAS.
• With upcoming FED rate cut, did MAS needed to "help" REITs sector? Perhaps to push attractiveness and more investments on what already works?
• Imo, in absence of a black swan, the bottom is probably in for REITS. Especially the quality ones.

Investing Updates : BTC Projections

AI Summarisation

Predicting Bitcoin’s price movement is always a fascinating challenge! While I don’t have a crystal ball, here are some insights based on various predictions:

1. Bullish Scenario: Some analysts believe that BTC could continue its upward trend. For instance, by the end of 2024, BTC might reach around $73,768.39, presenting a promising opportunity for investors¹.

2. Conservative Estimate: Based on historical data, the minimum price of BTC at the end of 2024 could be around $58,422.53, with an average expected price of approximately $69,492.69².

3. Bold Prediction: MicroStrategy’s Michael Saylor even suggests that BTC could hit a staggering $13 million by 2045, but that’s a long-term projection³.

Remember, crypto markets are volatile, influenced by various factors like adoption, regulations, and macroeconomic trends. Always do your own research and consider diversifying your investments. 🚀📈

My Thoughts

• Diminishing returns will surely hit BTC now that it's been an asset class for more than 15 years.
• Imo, it's still attractive to be in this space when comparing against other asset classes.
• Wonder which next big thing (Nvidia?) has a chance to beat BTC historical returns in the next 10 years.

https://www.moomoo.com/community/feed/112847393390597?is_recommendation=0&is_recommend_pos=1&futusource=news_headline_list

Investing Updates : SGX Research Chartbook: SREITs & Property Trusts

AI Summarization

Singaporean investors have a strong affinity for Real Estate Investment Trusts (REITs) for several reasons:

1. High Dividend Yields: REITs typically offer attractive dividend yields, ranging from 4% to 8%¹. These regular payouts appeal to investors seeking passive income.

2. Diversification into Real Estate: REITs allow investors to participate in the real estate sector without the need to buy entire properties. By investing in REITs, individuals gain exposure to a diversified portfolio of properties, including commercial, industrial, and residential assets.

3. Liquidity: Unlike physical real estate, which can be illiquid, REITs are traded on stock exchanges. This liquidity makes it easier for investors to buy and sell their holdings.

4. Defensive Nature: Healthcare REITs, for example, invest in hospitals and nursing homes. Given the basic necessity of healthcare, these REITs are considered more defensive and resilient investments.

5. Growing Demand: Singapore’s ageing but affluent population drives demand for healthcare facilities, making healthcare REITs even more relevant.

6. Changing Office Landscape: Commercial REITs (office REITs) own office buildings. While the office market faces challenges due to oversupply, the rise of co-working spaces and evolving office culture has renewed interest in this sector.

In summary, Singapore’s REIT market offers high yields, diversification, and liquidity, making it an attractive choice for investors seeking both income and exposure to real estate¹². 🏢📈

My Thoughts

• As Infographic below, SG is largest REIT & Property trusts markets.
• In recent times, several blogs, influencers, etc have been "popularising" SG REITs to the public. 
• Like me, we stand to gain since we are invested in this space. So you will always need to assess your risk appetite and do portfolio allocations properly as all of us can be wrong.

https://api2.sgx.com/sites/default/files/2024-07/SGX%20Research%20-%20SREIT%20%26%20Property%20Trusts%20Chartbook%20-%202Q24.pdf