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STI to cross 3000 boosted by long-term investors Post Reply Rate topic
Lazyhorse Senior	16-Jan-2008 16:27        Lazyhorse About Contact  Quote this Post!
x 0   x 0  Alert Admin	Of all the investment, I think Insurance is the best of all. Low risk but long term returns is higher than FD. Shares is too risky to depend on so I buy with the mindset of gambling only. This is my investment strategy. Crude but fun....
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sohguanh Veteran	16-Jan-2008 16:23        sohguanh About Contact  Quote this Post!
x 0   x 0  Alert Admin	Farmer: UT provide a cheaper way to expose yourself to stocks from other countries in the world. You can of cuz trade those foreign country shares yourself but the fees will be quite expensive. I tink UT is a safer way to expose myself to foreign country shares for which I am not familiar with.
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idesa168 Elite	16-Jan-2008 16:22        idesa168 About Contact  Quote this Post!
x 0   x 0  Alert Admin	Hi Sohguan, my bulk of investment is in properties. Got in at the right time 6 years ago and now reaping profit from it. I play only stocks and my play is somehow minimal compared to my property. Well, if the property mkt crash, I will be worried but not stock mkt. But somehow, they are linked to each other. I have a sum of my $$ in FD but not insurance and unit trust. I did a very thorough study on both and decided not to take part. Insurance: assuming $100 in premium paid, maybe only $10 is used for insurance in mishaps (touch wood). The remaining $90 of your premium will be pooled by these agent to invest in stocks, bond, etc. Obviously the sum will be used to pasi sky high salaries for these fund manager. This applies to Unit trust. Then I think again, if I am giving them $$ to invest, although they are expert in this field, can they guaranteed a gain at the end of the day? The answer is no....no one can beat the mkt. These fund managers may be upperhand than us, but in investment is 50/50. In long term, all investor make. Becos of that theory, insurance always have a claus that your premium paid MUST be with us for at least 15-20 years before you see returns. If I invest in SIA 20 years ago at $1.00, I am $15 richer today despites the mkt that went through 2 financial crisis and SARS, etc.
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Farmer Master	16-Jan-2008 16:16        Farmer About Contact  Quote this Post! Style: Fundamental   Mood:
x 0   x 0  Alert Admin	Having been thru the last 2 major downturn in 1997 / 2000 with painful lessons learn, I somehow agreed with Soh on the importance of diversification. However, I do not buy UT since I strongly believe it's not immune to the downturn yet fees has to be paid regardless of profitability. To me, FD, Insurance and dividend paying stock are good enough for long term investors.
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Lazyhorse Senior	16-Jan-2008 16:12        Lazyhorse About Contact  Quote this Post!
x 0   x 0  Alert Admin	sohguanh, Just curious. Cos' you seems pretty well-versed in Insurance plans and Unit Trusts so I thought you might be an insurance agent. Also, not many people got the luxury of time like us to monitor shares the whole bloody day. Anyway, I am more of a risk taker and I like to gamble so probably buying shares can curb my addiction a bit. : ))
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sohguanh Veteran	16-Jan-2008 16:06        sohguanh About Contact  Quote this Post!
x 0   x 0  Alert Admin	Lazyhorse: Nope I am not an insurance agent. Why you ask? Single premium endowment insurance I got play. Very simple to play. Like FD but offer slightly higher rate than FD and offer some protection. Usually play for 5 years onwards unlike FD can play 1 month onwards.
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Farmer Master	16-Jan-2008 16:05        Farmer About Contact  Quote this Post! Style: Fundamental   Mood:
x 0   x 0  Alert Admin	Wed, Jan 16, 2008, 16:04 Index Value Change Straits Times Index 3059.04 -95.54 FTSE ST Mid Cap 785.37 -26.93 FTSE ST Small Cap 720.51 -38.13 FTSE ST All Share 792.91 -27.62 FTSE ST Fledging 761.14 -34.78 FTSE ST China 594.76 -37.08 FTSE ST Oil and Gas Sector 772.62 -51.59 FTSE ST Basic Materials Sector 664.09 -43.37 FTSE ST Industrials Sector 758.26 -27.50 FTSE ST Consumer Goods Sector 846.11 -47.49 FTSE ST Healthcare Sector 914.92 -9.25 FTSE ST Consumer Services Sector 826.19 -24.55 FTSE ST Telecommunications Sector 952.98 -32.49 FTSE ST Utilities Sector 701.30 -116.88 FTSE ST Financials Sector 770.01 -22.86 FTSE ST Technology Sector 779.91 -25.84 FTSE ST Real Estate 776.93 -21.61 FTSE ST Real Estate Holding and Development 780.33 -25.70 FTSE ST Real Estate Investment Trusts 770.0
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Lazyhorse Senior	16-Jan-2008 16:04        Lazyhorse About Contact  Quote this Post!
x 0   x 0  Alert Admin	sohguanh, By the way, are you an insurance agent ? Heeheehee...  : ))
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sohguanh Veteran	16-Jan-2008 15:58        sohguanh About Contact  Quote this Post!
x 0   x 0  Alert Admin	ideas168: Is your investment all on stocks and cash only? You don't play UT, FD or insurance? Hmmm.... I feel diversification is better. Lower profits in the bull run but at least not so worst off in a bear run which is happening rite now. And hopefully over a long period of investment my averaging will get me better results than jump in at bull and jump out at bear which can be quite difficult to time it accurately. You are entitled to your investment strategy of cuz. Let's hope this year 2008 a good year for everyone :)
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idesa168 Elite	16-Jan-2008 15:52        idesa168 About Contact  Quote this Post!
x 0   x 0  Alert Admin	Thanks Sohguan for the discussion. Obviously my investment strategy and view on stocks are so different from you. I view stock as a position which at any price worth certain amount of $$. CASH to me is also a position itself so are gold. If I felt that the mkt sentiment is not in my favour, I will switch my position of my stock holding into CASH, which I mentioned is a position. Which ever amount I lost during the trade, be it that I cut or holding it, is a loss to me. I do not like to anticipate that while holding on to a stock in a downtrend, the counter will reverse and I recoup back my loss. This will work in a stock mkt gyration when it goes down for no reason then it will come up again. It showed that someone was manipulating the share price. But for this instance, I do not think anyone can do much to the mkt. It's going lower, and it will go lower each day as far as the mkt sentiment in USA sub-prime is not settled. DOW 12,500 is a very very strong support. And it's gonna break tonight. All the traders who trade frequent will watch very very closely on that line, hoping for a rebound. However, if it crosses that line, all trader like you and me will dump the shares, this will create an even big selldown in USA. This obvioulsy will affect STI tomorrow since we had been moving in tandem to the DOW. After crossing that line tonight, will it rebound back to 12,500, mine guess is as good as yours.
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Lazyhorse Senior	16-Jan-2008 15:48        Lazyhorse About Contact  Quote this Post!
x 0   x 0  Alert Admin	sohguanh, No FD and Unit Trusts for me. Single Premium Endowment Insurance plans got a few. Invest in a private property also. Buy shares for the thrill of it. Go up happy, go down make some noises.... : ))
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sohguanh Veteran	16-Jan-2008 15:39        sohguanh About Contact  Quote this Post!
x 0   x 0  Alert Admin	Lazyhorse: Are your investment instruments just restricted to stocks only? You do not play Unit Trust? You do not play single premium endowment insurance plan? You do not play FD? Try to spread your monies all around. My stocks see red but it is ok cuz my FD and UT and insurance see green. In a way I feel better :)
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newmoon Veteran	16-Jan-2008 15:37        newmoon About Contact  Quote this Post!
x 0   x 0  Alert Admin	Only lunatics will try to reverse the flow of water in a Waterfall. Hopefully this is not Niagra falls.
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Lazyhorse Senior	16-Jan-2008 15:36        Lazyhorse About Contact  Quote this Post!
x 0   x 0  Alert Admin	sohguanh, Thanks for your concern. More than 1/2 of the stocks I holding are giving out dividends. The remaining ones are for pure speculative purposes only which I prepare to write off. I got holding power but of course at the same time, it is painful to see your stocks falling. Don't think anyone is really immuned right, feeling indifference when your stocks drop like crazy ?
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sohguanh Veteran	16-Jan-2008 15:30        sohguanh About Contact  Quote this Post!
x 0   x 0  Alert Admin	Lazyhorse: I tink you are not suited for the stock market. I would recommend Unit Trust to you instead. Let the fund manager manage for you. If still wanna buy get those dividend paying stocks so while you get stucked, you still get dividends along the years isn't it? You have CitySpring you should be getting on average S$15 every 3 months. 1 year will be S$60 for 1 lot. You lose capital but if you treat the CS stock as a FD that cannot take out, the dividends is not bad isn't it? Btw if you follow my strategy, I use Unit Trust to get exposed to blue chip stocks. Then I use cash to buy those penny/small stock that trade below 20 cents. There are more of them today. Those stocks have healthy financial and now trading below NAV. And if play small lots it is a good investment for LONG TERM.Those stocks pay dividends also. You just gotta do your own research. If cannot then buy Unit Trust more safer.
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synnexo Veteran	16-Jan-2008 15:24        synnexo About Contact  Quote this Post!
x 0   x 0  Alert Admin	Let's see if HSI can have another miracle upswing.
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sohguanh Veteran	16-Jan-2008 15:23        sohguanh About Contact  Quote this Post!
x 0   x 0  Alert Admin	ideas168: If you have practised proper diversification, you should not cut losses to turn paper loss into realized loss. Do you put some monies in bank savings account, FD, insurance also? If yes then those components are not losing monies. Why terminate your equities investment unless you are using borrowed monies on those shares? Or you need cash to do something? I receive so many banks fund transfer program to ask me borrow monies from them. It is very tempting I know but I neber take up any cuz I don't use borrowed monies on shares. Every nite I still sleep very well. My FD maturing soon in Feb 08 and still tinking to bottom fish or back to FD again.
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Lazyhorse Senior	16-Jan-2008 15:23        Lazyhorse About Contact  Quote this Post!
x 0   x 0  Alert Admin	It is really very painful to cut loss. Hold onto the shares and see it dropping like flies everyday is also very painful. I really don't know what to do. This way also die, that way also die....
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idesa168 Elite	16-Jan-2008 15:15        idesa168 About Contact  Quote this Post!
x 0   x 0  Alert Admin	Believe me in this....Bite the bullet, cut all losses and keep all CASH. Although it's painful, but it's a need for me now. I did that yesterday and I feel so much lighter now. Even the mkt down like yesterday & today, I dun feel anything at all. It might go up tomorrow after this down, but it might go down too. The chance for it to go down is much higher now as the DOW futures is in 3 figure red. Likelyhood a bloodshed tonight and break the 12,500 STRONG SUPPORT. Please refrain from getting into the mkt now, thinking it's cheap and can scoop up some bargains. I think the mkt has not tank yet...but this is just my thought I am sharing. HSI dropped 1,200 a day is no joke.
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Arbitrager Senior	16-Jan-2008 15:06        Arbitrager About Contact  Quote this Post!
x 0   x 0  Alert Admin	Index *(January 16, 2008, 03:00:22 PM) HSI 24,601.02 -1,236.76 CEI 14174.74 -825.16 Shanghai A 5551.971 -161.553 Nikkei 13,504.51 -468.12   finally, chinese investor start to realised that they r going down with the US counterparts.. decoupling from US is impossible.. though having a potentially large domestic demand, it not easy to change their spending habits and increase domestic so much within such a short period to buffer the shortfall in demand from US when US go into recession. All companies and factories running in full capacity will have to cut production, stocking up excess inventories. In a whole, China will not goes into recession but definitely experience a slowdown in the short run and the stock mkt should reflect this phenomenon. As for Singapore, we are highly reliance on exports to countries like US, Japan, China, etc.. Singapore will be badly hit by this and I expect STI to go down to 2800 with all fiancials coming down, together with other manufacturing sectors.. my 2cents worth.
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