Long time since i posted. And I have been facing some problems uploading Analyst Reports files into Mediafire as well. It says that my router has a problem when I never had the problem before. Apologies for that. Will have to troubleshoot till it works again.
After the meteoric rise of several indices, the pullback has [...]
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SGDividends asked a question that was very dear to my heart in his comment in my last posting. I’d thought it would be more worthy to put it up as a blog post to share with others as well.
As like most bloggers who have ventured into the blogosphere “just for the fun of [...]
Recently, NTUC has launched a promotion on a Free upgrade for their IncomeShield Plan. You can find more about it here.
Mike has also blogged about it briefly here with a summary.
Well, as with all good deals, it spurred me on to find out more so I emailed by financial advisor about it. This is what [...]
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Long time since i posted. And I have been facing some problems uploading Analyst Reports files into Mediafire as well. It says that my router has a problem when I never had the problem before. Apologies for that. Will have to troubleshoot till it works again.
After the meteoric rise of several indices, the pullback has finally come. I was wondering when it will happen. Only China SSE seems to continue its slow and gradual crawl up. Which is good. 
HangSeng seems to have broken uptrend support on the way down. STI is on the verge of doing so at its support level. With STI at 15x PE (near historical 16x PE), it might have only a bit more to rise to normalisation. But forward-looking, earnings would improve hence the index should rise gradually over time.
Good to have some healthy pullback s that my RSP can catch at a lower point.
Let’s wait for the window-dressing period again and see whether markets will go up!
I’m still pretty pessimistic about US though.
I’ve just got an email from a friend about wedding ang paos (red packets).
According to traditonal Chinese customs, ang paos are symbols of prosperity and we give them during weddings as a wish of such to the couple. And of course to help them offset their wedding dinner costs.
As a young adult with more and more friends getting hitched, it often looms in my mind what are the market rates for giving ang-paos. Finally, I got it here.
Hope it helps for you as well!
Recently, NTUC has launched a promotion on a Free upgrade for their IncomeShield Plan. You can find more about it here.
Mike has also blogged about it briefly here with a summary.
Well, as with all good deals, it spurred me on to find out more so I emailed by financial advisor about it. This is what she said. (she’s excellent and very responsive!)
—–
This exercise benefits few and selective people.
Criterias:
1. below age 30
2. no claims
I have only one person in my whole client base who could make use of this. A 9 years old child with no claim history. In fact, it was automatic. I just received the e-policy.
Objectively assessing this offer, NTUC chooses the good apple (young and no claim history) and provide NO underwriting to upgrade.
This helps NTUC to reach people from their database that their FA neglected.
It creates an immediate boost of “sales revenue” by bringing healthy people who are paying for Incomeshield B to Enhanced Incomeshield Basic. These people who has no claim history meaning healthy people.
For healthy people, even if they were to submit for underwriting, they should breeze through.
By bringing these healthy pool to higher plan. It magnifies future income as medical plans are age banded i.e. someone paying Incomeshield B, now pays EIS Basic and would increase further with age.
Aid publicity.
Risk to NTUC?
Cases where there is hereditary diseases and has not manifested and therefore no claim to-date.
Statistically there will be some, but percentage would be low and it would have been taken into consideration by acturial.
Who does it help and how?
This is what I could see. No harm to allow the auto-upgrade but individual should seriously consider a plan that fit their long term need. I would advocate take the best/higher plan if a person is young and healthy. Don’t be complacent and stop at this free upgrade.
—–
Any thoughts?
I’ve just received an email from my financial advisor about “Shoots Topping Out”. I’ve uploaded the investment commentary in my usual shared folder for everyone but here’s a direct link.
Funny that it comes after I just made the switch back into China Funds.
This is what was mentioned:
We view as such that it is unlikely that this rally is towards recovery. We do not know what the future is but base on fundamentals, economic indicators and technical analysis, the probability of a recovery is about 20%. Bear rally can be very convincing (or confusing) as market could possibly shoot up by 50% (as in year 1998) leading many to rush into the market with the illusion of a recovery. In that year, STI fell to a new low around 800 level after the bear rally reached its peak.
It is advised to rebalance your portfolio and shave some holdings. However, avoid taking a ALL OR NOTHING APPROACH as that 20% probability of a recovery could surprise us!
For a while, I am relieved that my deduction in my last post is sorta in line with my financial advisor for the view of China. The talk on STI is a little scary but I am not concentrating on this market as yet as I would prefer the clearing of the long term downtrend line first. If what was said is true about this being a bear rally, then I look to the 200MA for support and would prefer to stay clear if it breaks that level. To me, it’s too late to get into STI cos it is near resistance.
For the faint hearted and long term investors, RSP would be the best option. That’s my plan for now.
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me2everyone is a website that i came across from a fellow investment blogger’s website.
I must say that me2everyone does look cool to some extent and seems “web 2.0-ish”. But what interests me most is that its business case is based on a stock market listing and ad revenue from a massive network of members (100 [...]
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My site is worth $2912.7.
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