T.U.B Investing

If you are invested in the market, you will have felt the pain that Fed had inflicted on us when their minutes were released early in the week and definitely a great "start" to 2022. Is this the Great "Correction" of 2022? You may asked.  In my opinion, we should have expect 2022 to be worse off rather than better with all the tapering and interest rate hike and also probably LOTS OF DOOMSDAY ARTICLES. If you believe the interest rate hike and tapering are priced in, it is probably not. Because when the heavy selling ends for the institutions, that is when the selling for retailers just get started. But who am I to predict what may happen? If you have joined my Fundamental Scorecard Telegram Group, you will have read about my sharing of my opinion of the market in 2022.  Basically, my only conclusion is "There will be dips. Cash is King." So what can we do in 2022 in order to ensure our portfolio do well? 1. More Thinking, Less Actions - Find out more abou...

Before I start writing on the topic, I just liked to inform you that I had probably written my 2 MOST extensive and in-depth articles on a company on Medium - and that is definitely on my highest conviction company - Digital Turbine Inc (APPS).  Please read Part 1 and Part 2 here. A warning to you - these are over 10 mins read. That is how long it is. One important point that was not written and I just found out lately from their latest interview with Oppenheimer is that Digital Turbine is currently working with Meta on SingleTap! This will be amazing! Nevertheless, I will greatly appreciate if you could follow me on Medium as well. Thank you. Back to the topic... I have been wanting to write this post because this will remind the future me of my answers - whenever this question pops up in my head. When there is much fear in the market, there is always a few recurring questions - like "Why a particular company share price has been down trending?", "Why the economy so ...

Not sure how the market will be doing at the point of you reading this. I could be late in writing about this. Nevertheless, I thanked for your time in reading.  I will be writing to explain about my opinions about the continuation of the  current dip.  So... here we go! Definition: Men In Suits sit behind the computer and work in the hedge funds, the institutions, the investment banks, in Wall Street, etc Expectations   I have watched many Youtube videos on the dip. Many explained about the yield and inflation, which was explained in my previous post .  But if we think deeper, the reasons behind the dip is all due to the EXPECTATIONS from The Men In Suits.  They expected the inflation to arrive in the future. Thus, that is why many of them wanted higher yield for super long term bonds. Why will they want to be something that will give us 1.5% when we know the inflation in the long term is 2%? This make sense.  However, as an average joe, I don't even...

I am supposed to write about a new company today. But US Market Has Corrected Slightly Last Night!  Now that more of us are vested in the US market than SG market, I assume there is a certain amount of fear within ourself. If you had entered the US market only in the last 6 months, you maybe at a loss of what to do? For a start, I had written an evergreen post on what to do during market correction in 2018 and it is still relevant today. But at this point, it could be more important to understand why this correction is happening.  What Happened? This was explained in detail in a MeetKelvin Video .  But if you prefer reading, I will be writing about them here. 1. Short Term Bond Yields are increasing. Basically, it seems like no one is buying the current US Treasury Bonds (aka T-Bills) . Everyone is into equity now. Thus, a lower demand in T-Bills results in lower bond prices and higher yield.  2. US Government is giving out a US$1.9 trillion stimulus again....

Hi, I am back.  I was finding inspiration from my chats with my members of the Fundamental Scorecard Telegram Group. There were some but it wasn't great inspiration. So I continued to do my YouTube Videos instead. Yes, I have a YouTube Channel . Please subscribe, like the videos and comment! However, a recent comment stating that I was clever, made me happy enough and provided enough inspiration! Haha... In my last 2 posts, I talked about entering STI Index or purchasing SG Blue Chips companies. If you have done that and are scolding me because STI  ETF has fallen (from 2.531 to 2.480) , please look at the US Markets - Especially those hyped up Tech stocks. Yes, US Indexes have fallen off the cliff where climbing strongly for a while. This has change the mood in the US market - People are sharing that they are deleting their Robbinhood App in order not to see their losses/the up and down of the market. OMG?! Seriously?! US Indexes Honestly, if you have average down any of your...

As an investor, we should strive to be better than ourselves. This Coronavirus situation gave me an opportunity to relook at steps to take during market correction. I had written 2 evergreen post in 2018 ( post 1 , post 2 ) where wrote about the situations and the possible actions to take during market correction.  Nevertheless, the current situation allowed me to take a closer look at the steps.  Basically, I have further broken down into a 4 step process: SELL, FOCUS, CONCENTRATE, PHASES . This 4 steps basically meant that: We should SELL our weak companies to increase our cash holdings. Then we should only FOCUS on companies in our portfolio and not our watchlist, unless those are more attractive (meaning margin of safety exceeded those companies on your portfolio) . The idea is to reduce the number of holdings in your portfolio and increase your cash pile in order to CONCENTRATE on purchasing those companies in your portfolio that will recover t...

Dear Readers, It has been some time since I wrote my last post. Thus, I will be consolidating many of my thoughts over this time in short articles below in this post. Happy Investors Despite A Bloody Market Picture taken from Moltey Fool STI had went down from over 3100 points to the current 3045 points as of today. Although you still seem to notice people stating that they had exit the market with “many bloody wounds”, but its seem that there are also many people looking forward to this drop. For myself, I basically went through excitement, panic and indifferent in a few days. Since then, I have stayed indifferent to all the market downturn as I felt maybe there are still many people looking to enter the market. On the other hand, my portfolio has since dropped about over 6.5% since 26 Dec 2017. This is almost similar with the drop in STI ETF (including dividend) . In any case, I am still not performing better than the market. But I believe I will get there. Anyway, I ...

This is just my thought process and I wanted it to be recorded down. In addition to what I wrote in the last post , I had a few more thoughts: 1. Every Counter Will Drop in a Market Downturn. When there is “blood on the ground”, every counter will be on a downtrend. The only difference is drop more or drop less. Cash will become the main call option at that point. 2. Diversify Less. This is my main problem. I am trying to reduce my counters to have a more concentrated portfolio. I still preferred a portfolio of 15 to 20 counters. 3. Invest in Great Companies at Fair Prices, not Fair Companies at Cheap Prices. In order to have a more concentrated portfolio, I have to invest only in Great Companies at Fair Prices. This was stated by Warren Buffett and repeated to me by Simple Investor SG . Eventually this will reduce my portfolio from falling too much in a major downturn. 4. Why Should Someone Subscribe To Fundamental Scorecard website during a Major Down...

I am not sure how you are feeling about this market correction, but I do feel pretty excited because I felt there will be more opportunities coming and I cannot wait for it. Nevertheless, I came out with a few thoughts on my own to keep myself in check. So here I goes: 1. Keep Calm and A Clear Mind Some people will feel scare, some will feel despair, some, like me, will feel excited. Regardless, I believe we should still try to keep calm and a clear mind. Focus on the necessary information and block out the “noises”. 2. Reduce Your Watchlist and Focus on Your Portfolio I removed all unnecessary counters in my watchlist. After all, I have been told too many times that my portfolio is too diversified. Thus, just focusing on my portfolio will be using up a lot of my time. 3. Focus on Individual Company and Not The Market If you focus too much on the market movement, such as STI, you will probably be too affected by the unnecessary “noises”. The first thin...