Friday, December 30, 2016

My FINAL day of work and an IMPORTANT message

Today is my last working day. For year 2016. I know to many of us, today is also the last trading day for the year. So what was it like for me to work on the final working day of year 2016?

Well, it is as usual. Just that I do not really feel well perhaps due to the fluctuating weather (between hot and cold). I know it sounds like a cliche that people normally review their job at the end of the year. For myself, I did that via an earlier post (please see the post here) and I would just want to update that I feel blessed to still have a job since unemployment figures here have edged up.


Yesterday, was the final trading day for Year 2016. We can now review our investment portfolio for the year. We can also now start to analyze the performance of Singapore stocks in year 2016. And where good stocks have become undervalued in year 2016, will there be a chance that these undervalued stocks would become winners in Year 2017? Will it be all the more attractive if these stocks pay a fixed decent dividends and are good stocks with good fundamentals to begin with?


How time flies, today is the last trading day for year 2016 and the STI Index, a benchmark indicator for Singapore stocks closed at 2,880.76. On the first day of the year (4 Jan 2016), the STI was 2,835.97 and hence for the whole year, the STI inched up by just 44.79 or 0.01%. The highest point of the STI was around 2,960 reached in April and December of year 2016 (around 4% increase) and the lowest point of the STI was around 2,530 (around 10% decline) in January and February of year 2016.


When it comes to valuing a stock, to determine whether an entry price is a reasonable one to pay for the stock, there are many common metrics used by investors. Price-to-Earnings ratio is one and Price-to-Book ratio is another as well as how low the price is against its historical price. Of the above metrics, one popular ratio used by investors is the Price-to-Book ratio since this ratio determines how much discount or premium a stock is trading against its book value and this ratio needs no comparison with similar metrics of other stocks.

Thursday, December 29, 2016


The second stock with the highest potential upside is Cityneon stock. As a side note, if you have just joined us, please note that this post is a continuation of the previous post dated 28 Dec 2016. Cityneon stock traded at $0.895 on 23 Dec 2016 and the target price given by analysts for Year 2017 is 1.41. This means a further potential upside of 57.54%!

Wednesday, December 28, 2016


Dear readers, in my previous posts, I have listed down a total of 30 stocks picks from three analysts for year 2017. This number of recommendations might be a large number for retail investors to ponder on as they do not know what stocks from this list of 30 stocks to focus on: stocks with the largest upside to say the obvious. Hence in this post, I will list down the Nine stocks from the above list with a potential upside of more than 20%. How do I calculate this potential? Well, it is easy. The analysts have derived a target price for each of the recommended stock, so to calculate the potential upside, I would just use formula: (target price- stock price)/stock price x 100%. The stock price which I have used for my calculation was based on the stock price as of 23 Dec 2016. So based on the above formular here are the top Three stocks for Year 2017 from stock analysts with a potential upside of more than 50%.

Tuesday, December 27, 2016


Over the previous posts, I have been sharing with readers analysts’ stock picks for year 2017. Why do I did so? Well, I have done so because I thought it is an interesting kind of exercise from the analysts as they have to look at their “crystal balls” and make some forms of “forecasts” as to which stocks will be doing well for year 2017. This “forecast” of stock picks is all the more interesting since predicting which stocks will do well or so in a timeframe of a year is getting not easy since stocks markets are increasingly getting more and more dynamic. Hence, I have been sharing their stock picks with you readers since the analysts’ stock picks made are not easy and just come once in a year. Beside, I have strong belief that traditionally, investors at this time of the year would expect to read what the different financial analysts are picking! So am I!

Monday, December 26, 2016


This stock has headed south from its 52-weeks high of $1.10 to the current price of $0.91, an approximately 17% decline. Right now, this stock is oversold, according to the RSI chart with its RSI now at 13.5. This stock has a dividends history, suggesting an average dividends payout of around 4% which is rather decent. Also, on the technical chart, the price has crossed from above the 200-Days Moving Average which is a typical downtrend sign. So what is this stock?


Dear readers, previously we have shared twenty stocks recommended as stock picks for year 2017 by analysts. Do you still remember what these are? For OCBC’s recommendation, please read this post . For DBS’ recommendation, the post is here . There is one stock which appears on the radar of both OCBC’s and DBS’ recommendation, do you want to know what stock it is? Then be sure to check out the post here.

Sunday, December 25, 2016


Dear readers, today is Christmas day and I, Tom K would like to wish everyone a Merry Christmas holidays. Traditionally, this is the period where professional investors wrap down their investments for the year; fund managers closing their positions or doing some “window dressing”. Regardless of whether it is the institutional investors or retail investors, most of us would take this time to review our investment portfolios for year 2016.

Saturday, December 24, 2016


In my previous two posts, I have shared with readers ten stock picks from one financial institutions (you can read the post here ) and another ten stock picks from another financial institution (you can read the post here). Hence we have at least twenty stock picks from analysts for Year 2017, at least from the compilation of Singapore Stocks Investing.

Friday, December 23, 2016


In an earlier post , I have shared with readers the top 10 stock picks for year 2017 by analysts from DBS Research. I thought since I am already in the subject, I might as well go deeper into the subject, sharing with readers the recommendations of analysts from other financial institutions too.

OCBC research has similarly come up with the following top 10 stocks as their stock picks for Year 2017. Their stocks picks are below.


Thursday, December 22, 2016

ONE Stock of FOCUS & SG Markets ANALYSIS

There has been a flurry of interest in one Singapore stock from the previous week. So much so that online, there are some professional traders as well as retail investors talking about it. This stock is none other than Hyflux stock. And if you could remember my post some days ago when I mentioned about Hyflux, I mentioned that the trading volume in this stock was peaking up and signs pointing to a rallying of this stock. But despite these, I shared that I am not interested in Hyflux as its debt ratio is not very good. However, I am not sure for those who have read certain investing websites about Hyflux stock, they might have entered into Hyflux only to learn of the news today of a new desalination plant contract awarded to a company under Keppel Infrastructure Trust. Hyflux retreated 2.8% today.

Wednesday, December 21, 2016


On the first trading day after IPO, this stock closed at $0.34. Today, the stock closed at $0.23, down by almost one-third of its high. The stock had an IPO price of $0.21, hence at today’s closing price, the stock was near to its IPO price though it was still around 10% higher than the IPO price. What is this stock?


Top financial analysts have picked their top 10 Singapore stocks for Year 2017 (source) . The top ten stocks are:

Monday, December 19, 2016


On 14 Dec 2016, the technical charts generated a BUY signal for one Singapore stock. The stock price of the stock closed 5.9% higher on the above date on a much higher trading volume: 10 million shares of the stock were traded, more than three times of the usual volumes. Thereafter, the stock pulled back by 1.9% for the two consecutive trading sessions and today, the stock rallied up close to another stunning 5% in stock price, breaking above the 200-days moving average. An analyst has announced a technical “Buy” on the stock last week and this coupled with the above trading conditions seem to suggest the uptrend of the stock would be sustained.

Sunday, December 18, 2016

SHOULD Investors BUY these Six stocks NOW?

These are the six stocks which seem to tick most of the checklist boxes of a fundamental investor looking into good buys.

Checklist box 1: stock is undervalued as measured by a Price-to-Book ratio of less than 1

Checklist box 2: stock provides investor with a decent rate of return at over 5%

Checklist box 3: the stock is currently selling at low prices, one benchmark of a low price is that the stock is trading no more than 5% from its 52-week lows

Thursday, December 15, 2016


The Federal Reserves has announced that it will increase interest rate and the rate of increase announced was higher than expected. Stocks markets responded to the interest rate decision by going lower. On one side, we have analysts giving banking counters a vote of confidence since they would be beneficiaries of interest rate hikes. On the other side; Reits, telecoms might be shunned since investors now have more better interest vehicles of wealth creation. For borrowers, mortgage loans would head north and they would need to examine the monthly cash flow phasing. And gold will not appear as attractive with the US Dollar climbing.

Wednesday, December 14, 2016


December is a year of reflections. And if readers could recall, I have shared glimpses of reflections of my investments for year 2016 earlier. You can read the post here if you have not read it. In this post, I would reflect of my job this year.

Tuesday, December 13, 2016


“Boomtime property buyers now big losers” was the headline in a local newspapers today. The article featured property transactions which were losers. For example, the biggest loser went to the seller of a condominium unit at Seascape. The condominium was bought for $11 million in year 2011 and was sold for $6.35 million in October 2016 at a loss of $4.65 million. This translated to a loss of around 42% in capital. Seascape is a waterfront condominium residential development on Sentosa Cove and during boomtime, $11 million might seem “reasonable” for the seller (then the buyer) to purchase the property but now against the current macro economical backdrop, the seller accepted the sale tag of $6.35 million.

This BLUE-CHIP stock has RETREATED 20%, should YOU INVEST NOW?

THAI BEVERAGES stock seemed to have a roller-coaster kind of performance year-to-date. The stock traded at the open of the trading year at $0.69 and rallied by more than 50% to reach $1.05 in August 2016 and thereafter, Thai Beverages stock retreated by around 19% to close at $0.85 yesterday.

Monday, December 12, 2016


There are basically two camps of investors: fundamental investors and technical investors. Fundamental investors typically invest based on fundamental reasons of the stocks while technical investors enjoy looking at technical charts and interpreting off them. There is no one better strategy as different investors use different strategies and more importantly, the strategies should yield profitable returns consistently.

Sunday, December 11, 2016

KEPPEL CORP stock, SEMBCORP stock: which is a BETTER BUY?

The latest news for investors is that OPEC has persuaded non-OPEC members to cut oil productions. This news would likely bring the focus back to oil-related stocks. Would prices of oil-related stock rally next?

Saturday, December 10, 2016

WILL you Buy these TWO OVERSOLD stocks NOW?

When it comes to investing and trading, different investors have different trading methods. Some rely on complex trading algorithm; others depend on what the others are buying. For myself, I rely on a technique which I have been using and honing over the years. Some investors rather zoom in on one good stock, believing in the management and the fundamentals of the company, so that they will keep investing their dollars in the stock when the price heads north or south.

Friday, December 9, 2016


Against the current economy backdrop, we have seen many stocks have been taken private in year 2016 to-date. Most of the parent companies which have privatized their company counters made use of the low valuation of the stocks as an opportunity to delist their stocks in the current stocks markets environment. Some investors like to buy stocks which are good candidates for privatization due to the perceived capital appreciation should these stocks be privatized. And if the stocks were to pay dividends, investors could reap these dividends while waiting for capital appreciation.

Thursday, December 8, 2016


Some investors are flocking to Gold as they do not like what the stocks markets might be in these more dynamic stocks markets. Should you follow these investors? Watch the video NOW!

Wednesday, December 7, 2016


The Singapore Stocks Market benchmark indicator STI closed 0.36% higher yesterday (7 Dec 2016) and if we are to look at just the performance of the STI per se, it shows that the Singapore stocks markets are still trading somehow range-bound. There is no clear catalyst to galvanize the Singapore stocks markets further. Instead, investors are looking at the macro-trends which might affect stocks markets globally. First, it was President-Elect Donald Trump’s factor, then investors are starting to look at the referendum on Italy. The US Federal Reserves’ decision on interest rate is definitely another factor to be looked at by investors.


When it is December every year, I would review how much I have earned through the year and most important of all, how much I have saved through the year and whether the savings have met the savings targets set at the beginning of the year.


Dear readers, Investing is a Journey towards Wealth Creation but most importantly, I believe it is a Journey that leads to learning more about ourselves and improving ourselves. If you think about it, Investing is about making decisions and how successful one is in investing hinges on making the right decisions at the right time. It depends on how competent one is in subject mastery (about the stock). And most importantly, it hinges on one Belief’s and confidence that through investing, one can be better off financially.

Tuesday, December 6, 2016

Are these THREE stocks the MOST DESIRABLE BILLION-CAPS stocks?

In this current stocks markets climate, some investors are staying on the sidelines, preferring to put their monies only when there is clarity in the Singapore stocks markets. And many are thinking a clarion call could be made when the US Federal Reserves decides to increase its interest rate. It is no surprise that many have factored in this likely move by the US Federal Reserves which has resulted in banking counters’ stock prices heading north and some REITS heading south.

Monday, December 5, 2016

Will you BUY this blue-chip stock with a 25% upside?

SGX stock traded at $7.31 on 2 Dec 2016 and an analyst has given a BUY recommendation on the stock with a target price of $9.10. This effectively suggests an upside of 24.48% to SGX stock, you can read more of the analyst’s recommendation here .

Frasers Logistic and Industrial Trust traded at $0.93 on 2 Dec 2016 and its target price is $1.10 according to an analyst, this gives the trust a potential of 18.3%. You can read more about the analyst’s recommendation here .

Sunday, December 4, 2016


SINGTEL FIRBE BROADBAND services were disrupted almost the whole of yesterday 3 Dec 2016 for the whole of Singapore. At this time in writing, about 80% of the services have been restored. If I could recall, this seems to the internet broadnet disruption episode after Starhub internet services were down some time ago but the current Singtel broadband disruption seems to be much more in magnitude and duration than the Starhub’s disruption.

This stock has ROCKETED! Should investors BUY into the stock NOW?

On 1 Dec 2016, one Singapore stock has rocketed up while the investing community was going about their normal trading and investing activities. This Singapore stock has risen up together with its peers and if you have noticed how the Singapore stocks markets have traded, it is of no surprise to you that the Singapore stock which I am talking about is an oil-related stock. To recap, oil-related stocks have risen in price due to OPEC’s decision to cut oil production.

Saturday, December 3, 2016

Will YOU BUY these nine HIGHLY DISCOUNTED Blue-chip stocks NOW?

For the trading week till yesterday, oil and gas related stocks have started to move up in light of OPEC’s decision to cut oil supplies. This has provided a boost to stocks in the oil and gas sectors. I believe investors are awaiting the US Federal Reserves’ decision on interest rate hikes. The markets are or already factoring this into their investing decision since an interest rate increase looks likely or already set.

Friday, December 2, 2016

Would you Buy these stocks NOW?

Singapore stocks have been rather sluggish and the markets have not been giving investors leads to enter the stocks markets until the news of OPEC hashing out a deal to cut oil production. Oil prices rise after the deal and benefit oil-related stocks. The exuberance has rubbed on the Singapore stocks markets here with oil related stocks like Ezion, Ezra, Kris Energy, Name Cheong, Sembcorp Marine, Keppel making decent climbs yesterday (1 Dec 2016).

Thursday, December 1, 2016

Is this the BEST TRUMP card for All Investors?

Ever since Donald Trump became the Elected President of the United States of America, many have tried to decode the Trump card, literally meaning the plans of Donald Trump and his team for the world as well as figuratively meaning how investors could position their investments for the best returns in a global economy with Donald Trump helming the largest economy in the world.

Wednesday, November 30, 2016


Though we have not come to December, but probably it is time to do a little review of my investment portfolio now and probably just “edit a little bit” of my portfolio where applicable when it comes to December. In December, the macro event for the stocks markets as the global financial community believes will be the interest rate hike decision by the US Federal Reserves and I am not sure how it might affect my portfolio. Alright, enough of my self-mumbling, let me share with you my investment portfolio for year 2016.

Tuesday, November 29, 2016

Stocks Markets “CRASH” is COMING?

These days, it has been reported that US stocks markets are at historical high, investors are bullish etc. When I read these kinds of headlines, I would know that it is probably time to sell since markets would be probably overvalued. On balance, there are also more and more people from the financial community giving their take on why a financial stocks markets crash is imminent for the global financial markets. If you have not been reading these on the internet, below are just some of the headlines which I have been reading from my internet surfing:

Monday, November 28, 2016

Are these Singapore REITS the VALUED Buys NOW?

Singapore Real Estate Investment Trusts or REITs have not really been in the spotlight these days since most of the REITs have already done well in a low interest climate. Going forward, should interest rates rise, the consensus is that the interest rate rise will not do good to REITs as investors would have more platforms of higher interests. Having said so, it is useful to find out which of Singapore REITs could be valued Buys. A summary of Singapore REITs having a Price-to-Book ration of below One are as follows:

Sunday, November 27, 2016

Are these Eleven Blue-chip Singapore stocks the BEST Buys NOW?

Dear readers, though the markets have been feeling quite jubilant after the US Presidential Election, I think it is still too early to think that the markets would continue to be bullish. In this macro-economy climate, some investors would seek shelter in traditionally blue-chip Singapore stocks and the most popular blue-chip Singapore stocks are inevitably the STI constituent stocks.

Saturday, November 26, 2016

Civil Servants’ Bonus: my research

The Public Services Division announced yesterday that the year-end bonus for civil servants would be 0.5 month. This bonus, together with the mid-year bonus of 0.45 month would bring the total bonus (over and above the 13th month salary) to 0.95 month for a civil servant. I am not a civil servant but every year I would look forward to the announcement of the civil service’s bonus as a guide to how much bonus I would be getting myself. This is reasonable since civil servants’ bonus are pegged to the performance of Singapore’s economy for which other employers reportedly might take reference to.

Thursday, November 24, 2016


It has been reported today that Mr John Soh Chee Wen, the alleged mastermind behind the penny stocks saga of 2013 has been arrested. If readers can recall that penny stocks saga involving Blumont, Asiasons (now called Attilian) and LionGold, the trio stocks went down or in stocks parlance “crashed” in value by more than 90% over a few trading days. To give you a scale of magnitude and proportion:

Who wants to be a Millionaire?

In a global wealth report just released yesterday, Singapore’s wealth per adult now stands at US$277,000 in 2016 and this effectively means that Singapore is the seventh top economy in the world with the highest average wealth per adult. With USD $1 now equal to SGD $1.43, this means that an average Singaporean adult has around SGD $396,000 wealth. The same report also states the there are 150,000 millionaires in Singapore though on the other side of the scale, 18% of Singapore’s adult population has wealth below US $10,000, compared with 73% globally.

Tuesday, November 22, 2016


Thai Beverage stock traded close to the $0.70 range around Jan 2016. The stock touched a high of $1.05 in Aug 2016 and yesterday, Thai Beverage stock closed at $0.88 a share, down around 16% from its high in Aug 2016.

Sunday, November 20, 2016

Are these the Top Billion-caps Singapore stocks NOW?

Singapore billion-caps stocks are Singapore stocks with a market capitalization of more than $1 billion. One way of ensuring that one gets a good bargain when investing in stocks is to buy the stock at a good value. The Price-to-Book ratio is often a criteria for choosing stocks with good value through choosing undervalued stocks defined as having a Price-to-Book ratio of below one. It is also good if the stocks have a fixed dividends yields which will reward investors for buying and holding the stocks.

Saturday, November 19, 2016

Is this the BEST STI Blue-Chip stock NOW?

In my previous post of 11 Nov 2016, I have tracked six blue-chip STI stocks trading at a low from their 52-week lows. The list then was below:

1) SIA stock: trading at 0.71% from 52-weeks lows

2) HPH Trust: trading at 1.16 % from 52-weeks lows

3) Starhub stock: trading at 1.62 % from 52-weeks lows

4) ComfortDelGro stock: trading at 2.07% from 52-weeks lows

5) SIA Engineering stock trading at 6.34% from 52-weeks lows

6) SPH stock trading at 6.86% from 52-weeks lows

Today, we will see what the six blue-chip STI stocks which fit the above list are, based on their closing prices yesterday:

Friday, November 18, 2016

All retail investors should do this FIRST

It’s that time of the year when many of us review the resolutions that we have set for the year and see whether we have achieved the goals we set in various aspects of our lives. I believe one such aspect of life where many of us have set our goals in are our financial goals: how much we aspire to save or earn in this year.

Thursday, November 17, 2016

Are these stocks worth a Buy now?

Many expect the US Federal Reserves to increase the interest rate once again as US President-Elect Trump shows the world that he means business both literally and figuratively in his plans for America and the world. The US dollar has since risen to the rate of around $1.41 SIN to $1 US dollar. It has been quite some time since I have seen this rate (as US dollars to Singapore dollars have been hovering around the $1.30+ range for quite some years). With interest rate expected to go up, banking stocks should be the main beneficiaries. In Singapore, we have the three big local bank stocks in DBS, OCBC and UOB stock. Let us pull out some statistics of these bank stocks.

Tuesday, November 15, 2016

Singapore Stocks post US Presidential Elections: what should investors do now?

Dear readers, if you have been following my blog for quite some time, you should know that I am a very frank person. Hence I must tell you that currently, I do not really want to take a look too frequently at how the Singapore stocks markets are trading now. It is not useful to do so because there are no clear leads from President-Elect Trump’s policies (what President-Elect Trump and his team has for US and the world) nor are there leads to the US Federal Reserves’ decision on interest rate hikes. Given such a backdrop, investors should not enter into new investing positions now to get that small gain from stocks.

Monday, November 14, 2016

Which cheapest Singapore blue-chip stocks give investors the Best returns NOW?

Dear readers, as you would have read so very often now, after Trump’s Presidential win, there are only questions on the economies and stocks markets ahead since the world does not know what Trump’s plans for US and the world are. Stocks markets, I believe will hence to be very dynamic going ahead.
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