Bonds in particular, the Singapore Government Bonds and Treasury Bills are still near their historical yield level which makes any purchase unattractive.
Stocks are neither here or there. It is at a price level which is not undervalued enough (at least for me) to purchase them. But it is also not ridiculously overpriced such that some upside is still possible. I'm an risk averse investor so I only seek to buy at a price significantly below their worth.
Properties should be pretty obvious to everyone. It has been in the headlines for a long time with mostly bullish news. Price are still bursting through the peak. Flip through the newspapers and properties advertisement and sale launches are still everywhere. Similar to stocks, I reckon it is not a good idea to buy near the peak.
I am actually bidding my time to capitalize on events which I think it may happen in the near future.
The stock market has been trending sideways for the past year or so. There are a few issues which may have a potential for stocks to be on the downside. These issues now are the Greek debt crisis and the sluggishness of the US economy being weighed down by huge amount of the debt. I would say that the latter is contributing more to the sideway trending that we are seeing now. Despite of this, I do not think that the market is going to fall heavily. I am waiting for the opportunity to snap up quality stocks but meanwhile, it will be waiting and waiting for the market to fall and monitoring the companies on my watchlist.
The property market locally is a bubble waiting to be burst. For me, it is not a matter of if but when. There has been a few articles out there warning about this. The main factors are as the following.
- Tightening of foreign labour policies
- Oversupply of land and properties
- Rise in interest rates
The tightening of foreign labour policies will see a drop in demand and the oversupply of land coupled with properties with developments coming in the pipeline in the next few years will be a double whammy. Besides, interest rates will not remain low forever and when it rise, it will affect the mortgage payments of properties owners and the serviceability of their loans. Still remember the property crash back in 1998 ? When this happens, it will be easy to snap up properties counters at firesale prices.
Posts
Hi there,
ReplyDeletethank you so much for sharing. I share the same sentiment as you on the housing issues that we are facing. it is just a matter of when this bubble will burst.
As for the market, I am wondering if you would be happy to share the counters that you are looking at (at your own comfort of course). the reason why I asked is that I am thinking of going in as the market has drop for quite some time. However I am not a savvy investor like yourself and am trying to learn some ropes from you if possible.
I had been waiting for a chance to go in and am currently looking at some stocks but not blue chips as my "ammo" is kinda weak. I only started to work 2 years back therefore hoping to learn something from you.
I understand the risk involved and hence I will blame no one but myself when it comes to investment.
PS: some green horn trying to learn ropes from a savvy investor :)
thank you
Jov
My name is lewis Edward, I live in california U.S.A and i am a happy man today? I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them. He gave happiness to me and my family, i was in need of a loan of $250,000.00 to start my life all over as a single parents with 3 kids, I meant this honest and GOD fearing loan lender online Mr DAVID MORRISON that helped me with a loan of $250,000.00 U.S. Dollar, He is indeed GOD fearing man, working with a reputable loan company.
DeleteIf you are in need of loan and you are 100% sure to pay back the loan please contact him [morrisonloansplc@yahoo.com].. and inform them MR Lewis Edward directed you....
contact them with morrisonloansplc@yahoo.com OR contact +1929-333-2081 for trust and urgent loan..
My name is lewis Edward, I live in california U.S.A and i am a happy man today? I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them. He gave happiness to me and my family, i was in need of a loan of $250,000.00 to start my life all over as a single parents with 3 kids, I meant this honest and GOD fearing loan lender online Mr DAVID MORRISON that helped me with a loan of $250,000.00 U.S. Dollar, He is indeed GOD fearing man, working with a reputable loan company.
DeleteIf you are in need of loan and you are 100% sure to pay back the loan please contact him [morrisonloansplc@yahoo.com].. and inform them MR Lewis Edward directed you....
contact them with morrisonloansplc@yahoo.com OR contact +1929-333-2081 for trust and urgent loan..
Hi Jovan,
ReplyDeleteUnfortunately, I will not be able to share the counters that I'm buying as I have done my homework and put in effort in selecting and studying these counters. It is not difficult to pick out excellent companies which are of investment potential. You can visit valuebuddies.com for references. Alternatively, you can always choose to buy the STI ETF. Your understanding is appreciated.
Kay
hi kay,
ReplyDeleteno worries I fully understand :).
thank you
jovan
Hello
ReplyDeleteI have been worried about the irrational exuberance thats been happening in the property sector in the last five years (except for a blip in end 2008- early 2009)in Singapore. 99 year leasehold properties that have only become older have tripled in value in 5 years! Seems like a lot of people believe that its natural to pay half a million dollars for a shoebox sized apartment...I could go on. But then, while I have been waxing lyrical about this, people seem to be doing the smart thing, "buying and selling, selling and buying" (as Paul Simon would say) and generally moving ahead.
This is a bit of a rant, I know. The question really is - what is it that can cool the market down? I think only 1 thing - thats an economic shock. I was thinking government policy but thats becoming less likely as the days progress.
The parallel with the 1996 burst is uncanny what with the looming crisis.... buyer beware? (I dont know)
Hi,
ReplyDeleteIn the long run, the fundamentals will determine the market. In the short run, all it needs is for the market to receive a jab that drives fear and panic and that will send the market on its way down. The downgrade of US credit rating may prove to be such a jab. The instinct of people is to follow other people usually. The sense of safety comes in a crowd. As such, that's why people seems to be buying higher and higher and chasing prices.
Regards,
Kay
Kay,
ReplyDeleteLooks like the jab from the credit downgrade lasted only for a week! I see the SIBOR rate has actually come down even further making variable rate mortgages tied to SIBOR even cheaper thus raising the chances of higher property prices. The government policy changes announced also dont look like they will have any impact on the private housing market in the immediate feature. What worries me is that property prices are so expensive already that its just going to be that much more painful on the way down.
I dont see the housing market realizing the rising threat
Kay,
ReplyDeletePlease give me your mailing address so I can send you a free book!
Andrew Hallam
investlikebuffett@gmail.com
ahallam@sas.edu.sg
Historically properties have not been moving match up or down.
ReplyDeleteHowever population was stable as well. When one calculates taxes, maintenance cost & potential associated renovations - it becomes very clear that properties themselves provide very little /humble income.
The only bet is that their prices will keep up with the inflation.
Why are you planning to "snap" them?
Much advantages of property.
ReplyDeleteNow market is fine. Now you can invest in high yields bonds and good returns on investment.
ReplyDeleteBuy when everyone is fearful and sell when everyone is greedy.
ReplyDeleteGreat piece of information. it was like breath of fresh air! I wondered if you have ever heard Forex striker which I'm using right now the first ever U.S.A.patented that destroys brokers and makes cash everyday. Pls visit my FOREX STRIKER REVIEW and discover how i earned almost $18,000 in less than a month.
ReplyDeleteIt is giving really good information about KLSE Stock Signals, it is providing daily updates and is useful for client and traders who want to have stock details on weekly basis and daily basis.
ReplyDeleteWhile trading in stocks, sometimes it is good to wait for the right time to trade.
ReplyDeleteNice discussion over Singapore bonds, treasury bills, stocks, properties. But I'm looking fir some recommendations from MCX market advisory which can be helpful for trading.
ReplyDeleteEssential blog related to property and stock market news update. Get tips from Epic Research company to trade profitably and happily.
ReplyDeleteGreat discussion related to stocks, bonds and properties, really amazing.
ReplyDeleteAlthough the best investors and traders understand the importance of patience, it is one of the most difficult skills to learn as an investor and trader.
ReplyDeletebursa malaysia intraday tips
ReplyDeleteMy name is Mrs. ivy. I live in singapore
and i am a happy woman today? and i
told my self that any lender that rescue my
family from our poor situation, i will refer
any person that is looking for loan to him,
he gave me happiness to me and my family, i
was in need of a loan of $250,000.00 to
start my life all over as i am a single
mother with 3 kids I met this honest and GOD
fearing man loan lender that help me with a
loan of $250,000.00 U.S. Dollar, he is a GOD
fearing man, if you are in need of loan and
you will pay back the loan please contact
him tell him that is Mrs. ivy Roland that
refer you to him. contact Mr. Marsha Goodman
via email: honestloan10@gmail.com
I am a private loan lender which have all take to be a genuine lender i give out the best loan to my client at a very convenient rate.The interest rate of this loan is 3%.i give out loan to public and private individuals.the maximum amount i give out in this loan is $1,000,000.00 USD why the minimum amount i give out is 5000.for more information contact us email honestloan10@gmail.com
ReplyDeleteYour Full Details:
Full Name :………
Country :………….
state:………….
Sex :………….
Address............
Tel :………….
Occupation :……..
Amount Required :…………
Purpose of the Loan :……..
Loan Duration :…………
Phone Number :………
Contact email:honestloan10@gmail.com
ReplyDeleteWe offer the right solution to your financial needs.We stand apart from other lenders because we believe in customer service,and we stay with you until you get the results you want.In general we offer home loans,car loans,hotel loans, commercial loans,business loans,e.t.c, at lower interest rate of 3%. Contact us (mrjohnwilliams537@gmail.com)
ReplyDeleteAre you tired of seeking loans and mortgages from banks? Have you been turned down
constantly by your banks and other financial institutions due to bad credit? Are you about
loosing your home due to financial constraints? Global Lenders Inc is here to set you free
from debt. For immediate enquires you can contact us via email aashifaasim@gmail.com
ReplyDeleteI am a private loan lender which have all take to be a genuine lender i give out the best loan to my client at a very convenient rate.The interest rate of this loan is 3%.i give out loan to public and private individuals.the maximum amount i give out in this loan is $1,000,000.00 USD why the minimum amount i give out is 5000.for more information contact us email finance2014911@gmail.com
Your Full Details:
Full Name :………
Country :………….
state:………….
Sex :………….
Address............
Tel :………….
Occupation :……..
Amount Required :…………
Purpose of the Loan :……..
Loan Duration :…………
Phone Number :………
Contact email: finance2014911@gmail.com
Personal and Consolidation Loans Are Always Available For Customers Seeking For Loan Or Financial Help.
ReplyDelete*Are you financially squeezed?
*Do you seek funds to pay off credits and debts
*Do you seek finance to set up your own business?
*Are you in need of private or business loans for various purposes?
*Do you seek loans to carry out large projects
*Do you seek funding for various other processes?
We offer the following types of loans:
*Commercial Loans.
*Debt Consolidation
*Personal Loans.
*Business Loans.
*Investments Loans.
*Development Loans.
*Acquisition Loans.
*Construction loans.
*Business Loans And many More:
Email: abdulmajeedloancompany@gmail.com
Personal and Consolidation Loans Are Always Available For Customers Seeking For Loan Or Financial Help.
ReplyDelete*Are you financially squeezed?
*Do you seek funds to pay off credits and debts
*Do you seek finance to set up your own business?
*Are you in need of private or business loans for various purposes?
*Do you seek loans to carry out large projects
*Do you seek funding for various other processes?
We offer the following types of loans:
*Commercial Loans.
*Debt Consolidation
*Personal Loans.
*Business Loans.
*Investments Loans.
*Development Loans.
*Acquisition Loans.
*Construction loans.
*Business Loans And many More:
Email: abdulmajeedloancompany@gmail.com
HOW I GET A LEGIT LOAN @ 2% INTEREST RATE
ReplyDeleteI am a mum of three little kids. When i could not face my Debt any more, my son was on hospital bed for surgery that involve huge money and i also needed some money to refinance and get a good home then i have to seeks for Assistance from friends and when there was no hope any more i decide to go online to seek a loan and i find MARIA HAUSTIN Loan company (mariahaustin@hotmail.com) with 2% interest Rate and applied immediately with my details as directed. Within seven Days of my application She wired my loan amount with No hidden charges and i could take care of my son medical bills, Renew my rent bill and pay off my debt. I will advice every loan seeker to contact MARIA HAUSTIN Company with mariahaustin@hotmail.com For easy and safe transaction.
*Full Name:_________
*Address:_________
*Tell:_________
*loan amount:_________
*Loan duration:_________
*Country:_________
*Purpose of loan:_________
*Monthly Income:__________
*Occupation__________
*Next of kins :_________
*Email :_________
Contact her company Via Email: mariahaustin@hotmail.com
ReplyDeleteHello, Do you need a loan from The most trusted and reliable company
in the world? if yes then contact us now for we offer loan to all
categories of seekers be it companies or for staff usage. We offer
loan at 3% interest rate, Contact us via email:
homefund01@gmail.com
(1) Full Name
(2) Full Address
(3) Country
(4) Age
(5) Occupation
(6) Tell phone number
(7) Sex:
(8) Loan Amount needed:
(9) Loan Duration
Email us at: homefund01@gmail.com
Do you need a loan at 3% to pay your bills or start up a business of
ReplyDeleteyour own? If yes ,contact US with this following details... MIKE FINANCIAL LOAN COMPANY
mikeloanfirm23@gmail.com
(1)Full Name
(2)Loan Amount Needed
(3)Duration
(4)Country
(5)Phone numbers
mikeloanfirm23@gmail.com
Do you need an urgent loan? Do you need a quick long or short term loan with a relatively low interest rate as low as 3%? We offer business loan, personal loan, home loan, auto loan, student loan, debt consolidation loan e.t.c. no matter your credit score. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and transferred to the borrower within the shortest time possible, contact our specialist for advice and finance planning. If you need a quick loan contact our company email address;standardloaninvestment408@gmail.com
ReplyDeleteBORROWERS APPLICATION DETAILS:
Full Name:
Country:
State:
Sex:
Age:
Home Address:
Amount Needed:
Currency Needed:
Loan Duration:
Monthly income:
Phone: Number:
Email Address
LOAN OFFER
ReplyDeleteDo you need Financial Assistance? We can help you We give out loan with an Interest rate of 3% Please reply to via Email: alexandergrantloanfirm@hotmail.com Kindly write us back with the loan information;
(1) Full Name
(2) Full Address
(3) Country
(4) Age
(5) Occupation
(6) Tell phone number
(7) Sex:
(8) Loan Amount needed:
(9) Loan Duration
Please, contact us for more information: alexandergrantloanfirm@hotmail.com
Yours Sincerely,
Rev Dr Alexander Grant
Do You need Unsecured Personal Loan?
ReplyDeletedebt consolidation, home improvements Loan?,
Loan To start a new business.
Car loans,Mortgage loans Business Loans?
International Loans Personal Loans?
Apply for a Loan from £$5,000.00 to $£550,000.00
with no collateral required
email: aijazlending@yahoo.com.sg
Cash and financing service are a reputable,legitimate & registered Company approved by the Government, we are also part of finance company and money lendering firm. We help in encouraging and act as facilitator to reduce your financial stresses at a very encouraging rate. We give out Cash to individuals and cor-operate organisation in need of financial assistance at ones convinience with a reasonable interest of 3%. Do you have a bad credit or you are in need of money to pay bills? we await for your quick response. ds.kanke@gmail.com
ReplyDeleteGood day Loan Seekers Solution for your financial problems,
ReplyDeleteAre you in need of an urgent cash? such as personal cash,company cash,business cash,cash to pay depth,educational cash,any kind of cash you are looking for interest loan. Our loan ranges from $5,000-USD (Five Thousand US dollars) to
$50, 000,000.00. (Fifty Million US dollars). We also lend in USA DOLLARS EURO and POUNDS !! contact us now skygroup.financial09@gmail.com
Do you need a quick loan? We offer loans at 3% interest rate. We give out personal loans, auto loans, mortgage loans, agricultural loans, business loans. We give out amount between $5000 to $20 Million dollars. Repayment period is between 1 to 25 years. To get more information: zionfinance01@gmail.com
ReplyDeleteDo you need 100% Finance? I can service your financial need with less pay back problem that is why we fund you for just 3%. Whatever your circumstances, self employed, retired, have a poor credit rating, we could help. Flexible repayment over 3 to 20 years.Contact us at:sangwai12123@gmail.com
ReplyDeleteApply now for all kinds of loans and get money urgently!
Appointments in the amount ranging from $1,000 to $50,000, 000.00
The interest rate is at 3%
Choose between 1 and 40 years of repayment.
Choose between Monthly and annual repayment plan.
Terms and conditions of the loans flexibility.
All these plans and more, please contact us.
1. Full Names:............................
2. Contact Address:.......................
3. Loan Amount Needed:....................
4. Duration of the Loan...................
5. Direct Telephone Number:...............
6.Loan Duration:..........................
Email:(sangwai12123@gmail.com)
Best Regards,
Mr Sang Wai
Get a Loan Today At 3% Interest Rate, contact us at:davidloans760@gmail.com
ReplyDeleteWelcome to DAVID JAMES Loan Company, This is a legit loan Company, formed to help individuals who are in need of financial crises and help them achieve their goals in life.
Available Loans we offer are,
1. Personal Loans (Secure and Unsecured)
2. Business Loans (Secure and Unsecured)
3. Combination Loan
4. Consolidation Loan And Many More:
Interested clients should please send request to our email for application form and terms. Try and see for your self, our wonderful services that does not exceed Working days for loan processing and just only (1)hour 35 minutes of loan Transfer.
EMAIL---[ davidloans760@gmail.com ]
Warm Regard
We offer quick loan at a low rate apply now with the following information
ReplyDelete1)Full Names:
2)Country:
3)address:
4)State:
5)Gender:
6)Marital Status:
7)Occupation:
8)Phone Number:
9)Monthly income:
10)Loan Amount Needed:
11)Loan Duration:
12)Purpose of Loan:
Email us Now zumaloans@mail.com or zumaloans@gmail.com
Dear valued customer,
ReplyDeleteDo you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: pergocf@fastservice.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed...$, €, £:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- Name of the Site:
Please, contact us for more information: pergocf@fastservice.com
Yours Sincerely,
Mrs. Ceren Kelly
pergocf@fastservice.com
We look forward to hear from you ASAP.
ReplyDeleteDo not use all of these Private Money Lender here.They are located in Nigeria, Ghana ,Turkey, France and Israel My name is Margret Buchan, I am from United State. Have you been looking for a loan?Do you need an urgent personal or business loan?contact Morris And Company Trust Fund Limited he help me with a loan of $800.000 some days ago after been scammed of $12000 from a woman claiming to be a loan lender but i thank God today that i got my loan worth $800.000.Feel free to contact the company for a genuine financial service. Email: morristrustfundlimited@hotmail.com +16477393756
ReplyDeleteFinding a genuine provider of financial instrument is very challenging but we are certified Financial Instrument providers in United Kingdom. Presently, we only focus on BG/SBLC for Lease and Sale transactions. However, our Lease BG/SBLC is 6+2% and Sale at 40+2%.
Should you find this interesting and acceptable? Kindly, contact us and we shall review and respond with draft Contract/MOU within 48hrs maximum.
Please request for full procedure details if interested.
For further inquiry contact:
Mark Andrew
Skype:andrewmark1996
Email:andrewmarkhill360@gmail.com
Get the best celebration ever with our Blank ATM card and be a Millionaire, Cool way to have financial freedom!!! Are you tired of living a poor life, here is the opportunity you have been waiting for, We give out a Blank ATM Card. Do you want to live a good life thought its illegal, its the easiest way to be a millionaire. Get your card today and live that luxury life you always dream to live and to get this card, contact this email: (Blankatmcreditcard@homotmail.com).
ReplyDeleteBrothers/Sister's. Are you looking for loan to finance your large or small business,we'll help you get the large amount of loan you desire for your business,we offer first class business and commercial loan to enable small scale business attain success in obtaining start up or refinance their business Bad credit rating accepted and poor business performance are accepted.apply today via email osmanmoneyfinance@gmail.com
ReplyDeleteLOAN APPLICATION FORM
Name:
Sex:
Address:
Occupation:
State:
Country:
Phone Number:
Loan Duration:
Loan Needed:
Have you applied before?:
Email us osmanmoneyfinance@gmail.com
ReplyDeleteAre you in need of a loan? Do you want to pay off your bills? Do you want to be financially stable? All you have to do is to contact us for more information on how to get started and get the loan you desire. This offer is open to all that will be able to repay back in due time. Note-that repayment time frame is negotiable and at interest rate of 3% just email us Abdallah.afandi@financier.com
We specialized in Bank Guarantee {BG}, Standby Letter of Credit {SBLC}, Medium Term Notes {MTN}, Confirmable Bank Draft {CBD}
ReplyDeleteas well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche
Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the
face value of the instrument needed.
We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our
instrument description. The procedure is very simple; the instrument will be reserved on euro clear to be verified by your
bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the
Bank Guarantee will be paid after the delivery of the MT760.
We specialized in Bank Guarantee {BG}, Standby Letter of Credit {SBLC}, Medium Term Notes {MTN}, Confirmable Bank Draft {CBD}
ReplyDeleteas well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche
Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the
face value of the instrument needed.
We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our
instrument description. The procedure is very simple; the instrument will be reserved on euro clear to be verified by your
bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the
Bank Guarantee will be paid after the delivery of the MT760. Below is our instrument description.
DESCRIPTION OF INSTRUMENTS:
1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
3. Issuing Bank: Barcley's Bank , HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Leasing Price: 4% of Face Value plus 2% commission fees to brokers.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. Hard Copy: Bonded Courier within 7 banking day.
All relevant business information will be provided upon request plus our terms and procedures.
If you are interested please contact me for us to proceed further.
Regards,
Name:Jason Burt
Email:jasonburt0082@gmail.com,jasonburt0082@bevanloaninterestpurchaserplc.com
Skype:jasonburt
Get BLANK ATM Programmed Card and cash money directly in any ATM Machine around you. There is no risk of being caught, because the card has been programmed in such a way that it's not traceable, it also has a technique that makes it impossible for the CCTV to detect you and you can only withdraw a total amount of $5,000.00 USD in a day. Now email us today at our E-mail address at: Atmcardcashmachine@hotmail.com and get your card today and live that luxury life you every dream to live.
ReplyDeleteWe offer a wide range of financial services 3% which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation cash, Business cash, Private cash,car cash, hotel cash, student cash Contact us via email: musaddiqloanlending@gmail.com
ReplyDeleteI’m seeking an investment partner. Both young and experienced entrepreneurs or anyone with great business ideas for a collaboration in new investments and expansion of businesses. Funding is not an issue on my part. I only require serious individuals and companies with innovative ideas. . samuel.motsepe70@gmail.com
ReplyDelete