1.  Princess Cover R&F Studio Apartment, 471 sf Price: RM 600k or RM 1,273 psf This is located within walking distance from the JB station for the RTS link, to be opened in 2026.  ... 08 Dec 2023, View: 3522.

Dear FISCA member Please note that the domain name for the fisca website is now changed to https://tklcloud.com/fisca instead of https://fisca.sg. To login to the website, please use https://tkl... 07 Dec 2023, View: 190.

The policyholder pays the premium through the insurance agent. The agent did not pay the money to the insurance company. Instead, the agent misuse the money to pay his personal expenses.  Read... 07 Dec 2023, View: 2213.

... 05 Dec 2023, View: 177.

Dear Mr. Tan Do you think that Income is still a sound insurance company for me to place my savings with? Recently, Income has launched a Gro Capital Ease plan of 3 years with capital guaranteed... 30 Nov 2023, View: 1558.

Notice is given that the Extra Ordinary General Meeting (OEGM) of the Financial Services Consumer Association (FISCA) will be held on Mon 4 December 2023, 9 pm to 10 pm by Zoom meeting to approve th... 19 Nov 2023, View: 303.

Dear Mr. Tan, I have a Maxgrowth Enhance endowment due 21 Nov 2023. I placed $10K for 5 years and on the 10th year maturity which is 21 Nov 2023. I was told that I would expect 2+% when I took up t... 16 Nov 2023, View: 238.

The Financial Services Consumer Association (FISCA) is now registered as an association under the Registrar of Societies. The main activity of FISCA is the maintenance of this website, and especial... 03 Oct 2023, View: 246.

Dear Mr. Tan, My name is L, age 65 this year, retired. May I seek your advice on NTUC Income Shield Policy. I have been a customer of NTUC Income since at your helm with Income. My polic... 26 Sep 2023, View: 1373.

Notice is given that the FISCA AGM will be hled on Mon 16 Oct 2023, 9 pm to 10 pm by Zoom meeting.  The financial statement for the year ended 31 March 2023 is shown here.  Members who... 26 Sep 2023, View: 161.

Here is the trend of my stock portfolio. The size of my portfolio was S$4.04 million. In early August 2023, the portfolio gain was $750,000. It dropped drastically in August due to weak economic d... 18 Sep 2023, View: 259.

The Central Provident Fund (CPF) started seven decades ago as a compulsory savings scheme for salaried workers to save for retirement at age 55. It was a simple and good scheme. Over the years, the... 18 Sep 2023, View: 245.

In 2026, when the RTS (rapid transit system) between Singapore and Johor Bahru opens, it will cut down travel time from 1 hour to 10 mins. The RTS will be connected to the Thomson East Coast Line a... 18 Sep 2023, View: 226.

Several people expressed interest in my portfolio. In this article, I present a breakdown. The capital in my portfolio is $4,04o k. I started the portfolio 3 years ago with $1 million and added to ... 29 Jul 2023, View: 3153.

I invest in a portfolio of stocks in HK, USA and Singapore. I monitor the movement of my portfolio and report the gain (or loss) daily in my Facebook page.  My portfolio has a capital of S$4 m... 29 Jul 2023, View: 1194.

I am 27 year old this year and have worked for more than 2 years. I have some questions and hope to hear your opinions on it. 1) Currently, I am insured under a whole life plan from Pru... 25 Jul 2023, View: 1109.

Here are the key figures for Capitaland China Trust.  It is quoted in the Singapore Exchange and has a market cap of $1.7 billion SGD. The price earning ratio is 14.43 times and the dividen... 21 Jun 2023, View: 465.

In the past, I avoided investing in corporate bonds as I preferred to invest in equities. I am able to get equities of strong listed companies that gave an attractive dividend yield above 5% p.a. They... 15 Jun 2023, View: 711.

One month ago, Tesla stock price was at $168. It increased 54% over the past month to the current price of $263. I held 6,000 shares a month ago, with a market value of $1,000,000 USD. My cost was ... 14 Jun 2023, View: 286.

Someone asked for my views about investing in SDR (stock deposit receipts) of Thai companies, recently listed in SGX and promoted by Singapore banks. I am not familiar with the advantages of invest... 05 Jun 2023, View: 588.

This is just my perspective. It is my prediction. I predicted earlier that the politicians in America will compromise and raise the debt ceiling. That prediction was correct. The global stock marke... 02 Jun 2023, View: 1186.

1. Question As I am 70, my CPF now pays me a compulsory monthly stipend from my retirement account as it must be depleted by age 80. Unlike the ordinary acc., the retirement acc earns a much higher... 31 May 2023, View: 874.

I believe that the US Federal Research will have to pause their interest rate hike and lower the interest rate soon, to save the banks from collapse. I saw an article suggesting that, if this happe... 19 May 2023, View: 204.

My friend said that it is inadvisable to buy products advertised on Facebook or Apple (shown on iPad). They were usually priced at 3 times of similar products that are available on ecommerce websites ... 18 May 2023, View: 248.

The top 5 stock holdings in Berkshire Hathaway (managed by Warren Buffet and Charlie Munger) are Apple, Bank of America, Chevron, Coca Cola and American Express. They account of 75% of the portfolio o... 08 May 2023, View: 579.

I saw a report that the financial results for Uber beat the analyst forecast and the stock price increased. I decided to make an analysis of the financial results for the ride hailing operators for... 06 May 2023, View: 608.

I show the financial figures for the electric vehicle and battery manufacturers in China, namely Tesla, BYD, Nio, XPeng, Li Auto and CATL (battery manufacturer). Tesla, BYD and CATL are profit... 06 May 2023, View: 361.

I hold 5,300 shares of Tesla at an average cost of $202 USD. My total holding is $1,070,000. The price on 5 May is $170, giving me a loss of $169,000 (SGD 224,000). The lowest price for Tesla was $... 06 May 2023, View: 691.

I own 230,000 shares of Cosco Shipping at an average cost of $10.23 HKD. My total investment is HK $2,247,000 (SGD 381,000). This stock paid the following dividend during the past year: Announce... 19 Apr 2023, View: 395.

Grab has 50% market share in the ride hailing market in Singapore. (See link). It has announced an increase in its platform fee from $0.30 to $0.70. The fare charged by Grab will increase by $0.40 ... 18 Apr 2023, View: 264.

I saw this article recommending a "buy" of data center REITS which have been depressed due to problem of a major tenant called Cyxtera. According to this article, the drop in price makes the REITS att... 13 Apr 2023, View: 568.

I hold 1,000,000 shares in Country Garden at an average price of HK$2.42. The total holding is $2,420,000 (S$410,000). My normal holding for a China stock is $150,000. This holding is 3 times of th... 11 Apr 2023, View: 2796.

1. Midea is a Chinese multinational technology company that specializes in home appliances and HVAC systems. The company was founded in 1968 and has grown to become one of the largest appliance manufa... 10 Apr 2023, View: 433.

I hold 800,000 shares of Country Garden at an average cost of $2.56 (HKD). My total investment is $2,048,000 (S$346,000). The current price is $2.06, giving me a loss of 20% (S$69,000). The stoc... 06 Apr 2023, View: 388.

I hold 40,000 shares of SMIC at an average cost of $23.39 HKD. My total investment was $935,000 (S$158,000). At the lowest point on 2 May 2022, the price was $15.20. My loss was 36%. The stock p... 06 Apr 2023, View: 313.

Tesla will announce its earnings for 1Q 2023 on 19 April. Most analysts are expecting lower earnings as Tesla had to lower the price of its vehicles to increase its sales during 1Q. Tesla announced... 06 Apr 2023, View: 423.

A friend recently asked me for my thoughts on the current state of the US stock market and economy. It's worth noting that economists and stock market analysts hold varying views on this topic - some ... 24 Mar 2023, View: 681.

Here is a review of selected auto manufacturer stocks.  The legacy manufacturers, such as Toyota, BMW, Mercedes and Ford have a price earning ratio of about 6 times and an average dividend yie... 23 Mar 2023, View: 252.

1. An investor bout the AT1 perpetuals issued by Credit Suisse. It offered a coupon of 5%.  His broker told him that the Swiss regulator exercised the non viable clause and wrote off thes... 22 Mar 2023, View: 1425.

1. I invested $12.4 million HKD ($2.1 million SGD) in 13 Hong Kong stocks (mostly of China companies).  2. These stocks show a loss of $405,000 HKD ($69,000 SGD). I have sold some stocks for a... 05 Mar 2023, View: 890.

1. DBS has an exposure of $1.3 billion SGD to the Adani Group. The CEO of DBS said that the exposure is "tightly managed" and the bank is not concerned over this exposure. This exposure represents les... 16 Feb 2023, View: 285.

1. Tesla is the most successful EV (electric vehicle) manufacturer in the world. BYD from China is probably in second place.  2. Which is a better stock to invest in?  a) The market ca... 09 Feb 2023, View: 219.

This video shows how I trade using a desktop app provided by Tiger Brokers. I find this app to be useful and easy to use.  https://www.youtube.com/watch?v=q1W3JJ4hW80  ... 08 Feb 2023, View: 211.

1. I opened a trading account with Tiger Brokers and deposited S$10,000 into the account. I converted the SGD into USD in the Windows app.  2. I used the account to buy 20 shares of Tesla (TSL... 08 Feb 2023, View: 982.

1. I hold 3,000 Tesla shares at an average cost to $213. At the current price of $190, the stock shows a loss of $69,000 USD. 2. A few months ago, I held 1,500 shares at an average cost of $250. Th... 04 Feb 2023, View: 755.

1. I invested in Alibaba and Baidu after the stocks dropped over 30% from their peak. My total investment was more than $250,000 SGD.  2. The stocks dropped more after I invested. At the ... 03 Feb 2023, View: 191.

1. I do not own any shares in ComfortDelgro (C52.SI). It runs a taxi operation, public buses and MRT trains. 2. The stock price is currently at $1.20. It dropped by 22% from a 52 week high of $1.53... 02 Feb 2023, View: 768.

1. I invested HK$ 2,061,000 (S$ 349,000) in 4 China stocks that shows a big discount to the prices in Shanghai. The average discount is 60%. The price in Shanghai is 2.5X of the price in Hong Kong. ... 01 Feb 2023, View: 640.

1. Noble Group, a commodity trader, faced financial difficulties in 2015 due to declining commodity prices, high debt levels, and concerns over accounting practices. This led to a decline in its ... 31 Jan 2023, View: 233.

1. Muddy Waters is a well-known investment research and management firm. In 2012, Muddy Waters released a report on Olam International, a multinational agri-business company. The report claimed that O... 31 Jan 2023, View: 213.

1. The Adani Group is founded by Gautam Adani, who is listed as the 2nd richest man in the world in 2022. 2. Recently, the stock prices of the listed companies in the group have fallen sharply afte... 30 Jan 2023, View: 491.

1. Prior to 2022, interest rate on fixed deposit and government bonds was quite low. In Singapore, 1 year FD give less than 1% interest. 10 year government bonds give a yield of 2%. 2. Interest rat... 29 Jan 2023, View: 374.

My invested stocks have made a strong recovery since the start of the rabbit year. From a loss of $400,000 a few months ago, my portfolio now showed a gain of nearly $400,000 recently. This is a tu... 29 Jan 2023, View: 273.

1. It is difficult to make investment decisions during a period of uncertainty. 2. Towards the end of 2022, it was clear that the global economy faced severe challenges, with the Ukraine conflict, ... 28 Jan 2023, View: 339.

1. I hold 250,000 shares of ICBC (1398.HK) at $4.41. The current price is $4.26. I am seeing a small loss of 3%. 2. The stock has a PE ratio of 3.79 and a forward PE ratio of 3.45. This implies tha... 27 Jan 2023, View: 532.

1. I hold 11,000 shares of Baidu (9988.HK) at average cost of $127 HKD. My total investment is $1,420,000 HKD (or $240,000 SGD). 2. The stock now has a forward PE ratio of 14.41 times. It does... 20 Jan 2023, View: 365.

1. I own 150,000 shares of Top Glove (BVA.SI) at a cost of $0.603. The current price is $0.275 giving me a loss of 54% or S$49,000.  2. Prior to the covid pandemic, the stock price was around ... 20 Jan 2023, View: 512.

Warren Buffet recently said that banks are a good investment for 2023.  I made a study of the financials for global banks. My findings are: a) The average PE ratio is 10.6 times and dividen... 18 Jan 2023, View: 373.

I own 170,000 shares of China Petroleum (0386.HK) at an average cost of $3,90 HKD. The current price is $4.02 giving me a small gain.  The PE ratio is 6.28 and the dividend yield is 13.84%.&nb... 17 Jan 2023, View: 291.

I invested HK$12.8 million (S$2.1 million) in China stocks listed in Hong Kong.  The average PE ratio is 5.78 and the dividend yield is 10.87%.  The prices in Hong Kong are about 30% lower... 11 Jan 2023, View: 366.