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A reader was impressed with the profit that I achieved on my speculative portfolio. He asked if I can give a talk on investing. He will be interested to attend. He had invested before, and lost money ... 04 Dec 2019, View: 8

HDB charges an interest rate of 2.6% on mortgages. The banks charge a lower interest rate.  Why is this the case? Is it better to take a loan from the bank or from the HDB? The interest rat... 25 Nov 2019, View: 16

A policyholder asked me if he should keep the life annuity or encash it and re-invest the money in another investment. Here is my suggestion. The life annuity provides a monthly return of $500 (... 26 Aug 2019, View: 20

Prior to 1999, the blue chip shares in Singapore were separated into local tranche and foreign tranche for trading in the stock exchange. The local tranche can only be held by local entities. The fo... 14 Aug 2019, View: 12

The phone call that ruined Mohammed Hoque’s life came in April 2014 as he began another long day driving a New York City taxi, a job he had held since emigrating from Bangladesh nine years earlier. ... 25 Jun 2019, View: 4

Miss X has a HDB flat in Telok Blangah. In Dec 2017, She bought another HDB flat in Chua Chu Kang as it was near to her workplace. She wanted to avoid the long travelling time of 1.5 hours each way to... 01 Jun 2019, View: 13

A junk bond is a bond that is unrated or has a rating that is below BBB- by Standard & Poor, a rating agency. A bond that has a rating of BBB- or higher is considered as "investment grade". Som... 31 Mar 2019, View: 13

Someone asked me about an "open end mortgage". I found the following description of this mortgage here. What is an Open-End Mortgage An open-end mortgage is a type of mortgage that ... 27 Mar 2019, View: 11

34,000 retail investors are likely to lose up to 90% of their investment in Hyflux preference shares and perpetual securities.  This will be a painful loss.  To make matters worse, som... 18 Mar 2019, View: 9

Dear Mr. Tan I wish to share this experience with my bank. I think that the bank is acting dishonestly. I placed my fixed deposit with them a few years ago. The relationship manager advised me t... 18 Mar 2019, View: 16