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Q&A : Bitcoin

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What is Bitcoin ?

(from Wikipedia ) Bitcoinis a worldwide cryptocurrency and digital payment system called the first decentralized digital currency, as the system works without a central repository or single administrator. It was invented by an unknown person or group of people under the name Satoshi Nakamotoand released as open-source software in 2009. The system is peer-to-peer, and transactions take place between users directly, without an intermediary. These transactions are verified by network nodes and recorded in a public distributed ledger called ablockchain.

CPF-Investment Scheme – My Experience

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CPF-IS has been a hot and never ending topic since DPM Tharman made a comments in 2016 that “the scheme was not fit for purpose “ because over the last 10 years, more than 80 per cent of those who invested through the scheme would have been better off leaving their money in the CPF Ordinary Account.
He said that over the last 10 years, more than 80 per cent of those who invested through the scheme would have been better off leaving their money in the CPF Ordinary Account since the Ordinary account still give member a 2.5% interest.

The Importance of Behavioral Finance in Investment Decisions

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Finally , one of my favorite and top Behavioral  EconomistRichard H Thalerfrom University of Chicago won the 2017 Nobel Laureate in Economics , joining other top behavioral economist like Robert J. Shiller and  Daniel Kahneman  in the list of Nobel Laureate.
He has been recognized by many insightful research link to economic decision and psychology like Endowment Effect “ and “ Mental Accounting “ and also a writer of many best-selling books in economics and behavioral finance.

Do We Need to Spend Few Thousand $$$ on Investment Courses ?

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One of the reader email me and asking about the idea of attending an investment course which cost him few thousand dollars. I am quite reluctant to give advice in this regards as I never attended any investment course before and not sure about the useful and effectiveness of such courses.
For me , investing is a long learning journey and one need to read extensively and learn from your own mistake not just sitting in the class room for few hours or days ,listening to some “experts “  advise or slides presentation on how to be a successful investor.

The Power of Dividend

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In stocks investing , you probably heard about the “ growth stocks “ , “dividend stocks “ , “large cap / mid –cap “ or “ blue chips “ etc .. and depending on your “desired and expectation” of the ROI of your investment , you may choose what kind of stocks to be included in your portfolio.
For most of the investors , I am sure you would have included some “income stocks“ into you portfolio as part of the diversification and also hopefully dividends can keep the value of your investment rising even when market performance sours.

STE Smart Beta Update : 30th Aug 2017

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Time flies , It has been more than a year after my first published of STE Smart Beta concept and bench-marking against STI Index.
FYI , I have started my STE Smart Beta on 28th Aug 2016 with capital of $100K with equal weighted investing in 14 stocks which fall under the criteria of PE<10 or Dividend Yield >5%.
You may find the detail in this link (here).

Market Timing Vs Time In The Market ?

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There was an article about the important of “Market Timing vs Time in The Market “ by Mr. Goh Eng Yeow ,Senior Correspondent ,The Straits Times on 20th Aug and you may find the detail as below : Beating the investment pros at their game
This is a never ending argument or debate on which is more important ie Timing or Time In the Market , and from most of the articles you read, you may find that most of them are more inclined towards “Time in the Market “ rather than Timing the Market.
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