Investing in Gold

The sky is falling for India’s rupee, which has fallen 20.1% since the start of this year. The currency has slumped the most in two decades to a record low in the wake of government’s economic mismanagement and failure to tackle deteriorating infrastructure. The frightening slide in the currency has conversely led to a incredible hike in demand for gold in India. According to the World Gold Council, in the first half of 2013, India accounted for a staggering 28% of global consumer demand. The 566.5 tonnes of gold bought by Indians way surpassed Americans’ 83.4 tonnes purchased.
The reason why Indians crave for gold is because consumers buy the yellow metal for auspicious reason during their wedding and festival season, which will start in November and last till January. It is estimated that Indian household currently hold 31,000 tonnes of gold worth a massive USD$1.3 trillion at USD$1400 per ounce. In order to reduce its trade deficit, Indian government has been trying hard to curb gold imports by hiking the metal’s import taxes.
gold bullion
Import duties were raised to 6% in late January and then 8% in early June and then subsequently 10% in August. The same tax is also applicable to silver and platinum to fight substitution. Despite these measures, Indians are still buying gold aggressively. The tariffs have only fuelled a boom in gold smuggling!
Since United States started its quantitative easing (QE) program, interest rates all over the world remain low. Logically speaking, given the low interest rates environment, inflation should hike due to the decrease in purchasing power of currency. Nevertheless, the hyperinflation has not taken place as expected, according to official data released by various governments. Well, only if you choose to believe in the statistics compiled. According to Arabian Money, there is
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SGX Stock with Favorable Yield

Below is an article from guest blogger, Richard who works as a stock analyst and has 3 years of experience in the stock market. He likes to write articles and hope to share his experiences with investors in Singapore If you would like additional SGX Dividend Stocks data, information or screening tools, please visit website http://sg.dividendinvestor.com, a leading source for in-depth research and analysis for stock investments.

SG Wealth Builder does not accept any liability whatsoever for any direct, indirect or consequential losses or damages that may arise from the use of information or opinions in this article. The information and opinions in this publication are not to be considered as an offer to sell or buy any of the securities discussed. Opinions expressed are subject to change without notice.
  
Singapore is a well-known country for integrity, reliability, quality, productivity, rule of law, and enforcement of intellectual property rights. These things are crucial in the knowledge economy. The country is also a good place for foreign investments. It is a one-stop agency which facilitates and supports local and foreign investors in both manufacturing and services sectors, as they move up the value chain to achieve higher sustainable returns and seek out new business opportunities. I am sharing a brief description about one of the sgx dividends which is performing well from past five years. 

OSIM International Limited is a Singapore-based company which is engaged in marketing, distributing and franchising of healthy lifestyle products. It creates designs, develops and markets well-being lifestyle products through its specialty retail outlets worldwide. The products of the company include message chairs, foot massagers, neck & shoulder massagers, head massagers, fitness equipment, diagnostic equipment, vitamin & supplement and luxury tea.

The company has divided into business into two segments. The first is retail and the …

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Investment Outlook for Boustead Singapore

Boustead Singapore has risen by 45% for the past 12 months. The P/E and P/Cash flow ratio are estimated by S&P Capital to be 12 and 10.8 respectively. These metrics suggested that the stock is currently expensive. The good thing is that net gearing remains at 0%.

Although this counter seems overvalued, fundamental business prospect still looks good. Boustead Singapore is a global engineering specialist in energy, water infrastructure, industrial real estate and geo-spatial solutions.

The main driver for the business is the real estate division, which contribute 24% to its top line in Q1FY14 to SGD101.2 million. Oil and gas division is the second main contributor, reporting revenue growth of 38% year-to-year. Water infrastructure and geo-spatial technology were the weaker divisions, reporting negative revenue growth of 25% and 14% respectively.

Stock investing

I like Boustead because it is financially strong with net current assets of $150 million. The company has consistently paid out dividends to shareholders for the last ten years and it is well-managed with sound corporate strategies. Although Boustead has no formal dividend policy, it has a tradition of paying dividends linked to long-term net profit growth.  Boustead has achieved respectable growth in dividends over the past ten years, with a compounded annual growth rate of 21% over that period.

Their history of annual dividend payments:
1)Ten consecutive years of dividend payments;

2) Growth in the ordinary dividend to 5 cents per share in FY2012 after maintaining the ordinary dividend at 4 cents per share for four consecutive years; and

3) Paying a total of 33.75 cents in cash dividends over ten consecutive years, equivalent to almost 200% of the purchase price of the Boustead share at 17 cents at the beginning of FY2003.A key development that investors should take note is that the group is acquiring Ausgroup’s Singapore

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Best Singapore Stock to Invest Today

Below is an article from guest blogger, Richard who works as a stock analyst and has 3 years of experience in the stock market. He likes to write articles and hope to share his experiences with investors in Singapore If you would like additional SGX Dividend Stocks data, information or screening tools, please visit website http://sg.dividendinvestor.com, a leading source for in-depth research and analysis for stock investments.

Disclaimer: SG Wealth Builder does not accept any liability whatsoever for any direct, indirect or consequential losses or damages that may arise from the use of information or opinions in this article. The information and opinions in this publication are not to be considered as an offer to sell or buy any of the securities discussed. Opinions expressed are subject to change without notice.

The Government of Singapore adopts an open door policy and welcomes foreign investors. It believes that by attracting multinational companies to invest in Singapore, the county can overcome the handicaps of size, small population and lack of natural resources. The multinational companies in Singapore have brought technological and managerial skills, access to new markets and investment capital to Singapore.

According to the 2010 report a total of s$12.9 billion of foreign investments was committed. Investors should focus on the K1 Ventures while building a portfolio of ex dividend calendar Singapore stocks.  Let’s read more about the company. 

Profile

K1 Ventures Limited is a diversified investment company in Singapore which is originally engaged in engineering and anchorage repair activities. The company has invested in diverse sectors which include transportation leasing, education, oil and gas exploration, financial services and automotive retail. The company prefers to make investments through a mixture of debt and equity financing and will take a minority or controlling position based on each investment and such investments

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SGX Stock: Offering Attractive Yield

Below is an article from guest blogger, Richard who works as a stock analyst and has 3 years of experience in the stock market. He likes to write articles and hope to share his experiences with investors in Singapore If you would like additional SGX Dividend Stocks data, information or screening tools, please visit website http://sg.dividendinvestor.com, a leading source for in-depth research and analysis for stock investments. 
The economy of Singapore is mainly supported by the activities in the manufacturing and services sectors. The manufacturing activities account for about a fifth of the country’s overall Gross Domestic Product (GDP) while the services sectors contribute approximately two-thirds of GDP. The country is actively promoting the growth of the quaternary sector of its economy i.e. the knowledge-based part. I am sharing about one of the Singapore Dividends which will make profit for investors who are seeking to invest in SGX stocks.
SGX
Singapore Press Holdings Limited (SPH) Profile
Singapore Press Holdings Limited is a media organization in Singapore with businesses in print, Internet and new media, television and radio, outdoor media and property. It is engaged in publishing, printing and distribution of newspapers, distribution of magazines and books, providing services of multimedia content, holding shares in subsidiaries, holding investments and providing management services to subsidiaries. It publishes 18 newspapers titles in four languages. The company has over 4,000 employees, which include a team of approximately 1,000 journalists, including correspondents operating around the world. 
SPH Magazines a subsidiary of SPH publishes more than 100 periodicals in Singapore and the region. Its flagship newspapers include the Straits times, the English language daily and Lianhe Zaobao, the Chinese-language daily. It is one of the country’s “blue-chip” counters on SGX, and makes about s$480-500 million worth of profits every year. 
History 
Singapore Press Holding Ltd was
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New credit card rules in Singapore

In recent years, there were various articles on increasing trend of Singaporeans defaulting on their credit card payments. I think this is a worrying sign in Singapore. Below is a press release on a new government policy to curb lending practices by local banks.

11 September 2013
The Monetary Authority of Singapore (MAS) has finalised changes to credit card and unsecured credit rules aimed at improving lending practices by financial institutions and enabling individuals to make better borrowing decisions.

2. The policy changes follow a public consultation, in which respondents generally supported the proposals. MAS has taken the public feedback into consideration and adjusted the proposals where appropriate. Details are set out in the responses to feedback received on the consultation paper.

3. The key policy changes are as follows:
(a) Financial institutions will be required to review a borrower’s total debt and credit limits before granting a new credit card or unsecured credit facility, or increasing the credit limit on such facilities. This is to enable a more realistic assessment of an individual’s borrowing capacity.

(b) Financial institutions will be required to disclose to individuals who roll over their credit card debts and revolving credit facilities the potential cost of doing so and how the debt will accumulate. This will help borrowers make more informed credit decisions, taking into account the total cost of borrowing.

Personal finance

(c) Financial institutions will be required to obtain a borrower’s express consent for the amount of each credit limit increase. This will ensure that credit limit increases are not extended to borrowers unless they agree to such increases. This includes outstanding debt on and credit limits of all credit cards, charge cards, unsecured loans as well as secured loans across all financial institutions.

(d) Financial institutions will not be allowed to grant further unsecured

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Value Investing in Growth Companies

One of my readers recently wrote to me requesting my views on a few Reits in Singapore. I have not replied him but followers of my blog would know that I don’t believe in Reits and have never invested in any Reits before. This is because the business model is too complicated for me to understand. In this article, I will share my thoughts on value investing.

One of the most important things that investors have to realize is that a good stock must have a simple business that are easy to understand. For example, we know that Super Group sell instant coffee and SingTel provides telecommunication services. Many investors, especially the novice ones, rush to invest in Reits simply because they thought that Reits provide dividends, so Reits must be a form of good dividend. They fail to understand the real business model and if you prodded them further what is Reits all about, they would be clueless. It is like putting the cart before the horse and missing the forest for the woods. To this end, I will like to recommend a good investment book for my readers.

A Unique Guide to Wealth and Financial Independence Using Value Investing Strategies

Many people spend their life working for active income. They are either ignorant or skeptical about stock investments. Even those who have invested their money, more often, entered into less effective methodology of making money in the stock market. They go for quick money gains and end up losing their net worth by speculating in the market. However, according to authors Victor Chng and Rusmin Ang, the odds can have a better likelihood if one knows what sustainable methodology to use.

In their newly revised book, Value Investing in Growth Companies: How to Spot High Growth Businesses and

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BullionStar Review: The 5 stage life cycle of a fiat currency

The 5 stage life cycle of a fiat currency This article is extracted from BullionStar, a Singapore online bullion company where you can buy gold and silver at competitive prices.

Gold and paper currencies have been at war for more than three thousand years. When currencies were pegged to gold, they appeared to coexist peacefully. Nevertheless, when the peg ceased internationally, they became each other’s nemesis and thus began the battle for monetary supremacy. A study on the history of money, and its relationship with inflation, is essential to appreciate the role of gold as money.

For paper currency, there is always a boom-bust cycle. It often begins with the healing of a country’s economic woes and promises of prosperity for all. To better illustrate how the boom-bust cycle works, one can draw reference to the recent economic history of United States. In the late nineties, US technology stocks formed a huge bubble mainly because of over leveraging of debt through low interest rates. Start-up technology companies with mediocre or even negative earnings were valued in the millions. After the crash, which coincided with the terrorist attack on New York, interest rates were lowered again to spur economic growth, forming another bubble in housing. When the housing bubble burst, it almost took down the whole world’s banking system with credit facilities drying up, thus triggering the global financial crisis in 2008. With interest rates kept near zero, special measures in the form of money printing were needed to boost the economy and create jobs.

These cycles have been repeating for centuries. According to Nick Barisheff’s $10,000 Gold, it seems that countries that broke peg with gold standard and introduced fiat currencies go through a five-stage cycle.

Stage 1 is fuelled by optimism and euphoria as politicians promise growth stimulus with the least amount of pain and discipline. In the beginning, there

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Five SGX Stocks with Low Risk and High Yield

Below is an article from guest blogger, Richard who works as a stock analyst and has 3 years of experience in the stock market. He likes to write articles and hope to share his experiences with investors in Singapore If you would like additional SGX Dividend Stocks data, information or screening tools, please visit website http://sg.dividendinvestor.com, a leading source for in-depth research and analysis for stock investments. 

Singapore has many advantages of investing money. It’s strongly pro-business environment provides an efficient infrastructure and a transparent administration. The economy of Singapore is committed to free market development and free trade. The investors who are looking for Singapore Dividends these stocks will be helpful for them. 

SGX

Hafary Holdings Ltd (SGX: 5VS)

It is an investment holding company. With its subsidiaries the company is engaged in the supply of premium tiles, stones, mosaic, wood flooring and sanitary wares and fittings to customers in the Singapore market. It has two operating segments: General and Project. The Project customers include architecture firm, property developers and construction companies. On July 2, 2013 the company incorporated a SPV in Singapore, World Furnishing Hub Pte. Ltd.

It has a market capitalization of 90.09 Million, EPS is 0.07, P/E ratio is 3.15 and the dividend yield is 14.88% at the annual dividend payout of 0.03. 

Transit-Mixed Concrete Ltd (SGX: 570)

Transit Concrete Ltd is a Singapore-based investment holding company. It is engaged in the activities relating to the supply of ready-mixed concrete and the trading of raw materials for the production of ready-mixed concrete. It has three operating segments: Ready-Mixed Concrete, Concrete Pumping Services and Waste Management. During the fiscal year ended February 29, 2012 the company acquired the remaining 33.33% interest in Chain Hua Singapore Pte Ltd.

It has

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