• frugal

    What to make of Capitaland Mall Trust Q3 2020 earnings (C38U)

    After my previous analysis about Capitaland Mall Trust (C38U), a lot has changed and my perspective on investing has also changed. I have learnt a lot more and have more opinions to share. On 22 October, they released their Q3 2020 report. I will base my opinions off this report as well as a shopper in the West Region who frequents Lot One and Westgate. Highlights from Q3 2020 Financial Results Generally the third quarter of 2020 was seen as the ‘golden child’ for recovery in the US, however it applies pretty closely to Singapore as well. We have officially moved away from Circuit Breaker and transitioned from Phase 1,…

  • frugal

    Should we wait for a market pullback?

    Recently, the stock market has been pretty volatile. It is not uncommon to see the market open red and close green, vice versa. Why is that so? This is because many investors are facing conflicting information and are unsure how to move ahead. There has been talks for another stimulus package Apparently, the previous deadline was on Tuesday (20 October). However, the bureaucracies and the inefficiencies of the stimulus talks by the government has led to many delays. Yet, investors are still banking their hopes on this stimulus package. The fact of the matter is people are still suffering from the pandemic, the root cause has not been solved. No…

  • lifestyle

    To all NSFs/Uni Students, take advantage of this subsidy to upskill! (CITREP+)

    I am sure you have already heard of SkillsFuture. It is a nationwide initiative to help Singaporeans upskill. However, that is not the only upskilling programme that the Singapore government has to offer. Recently, I have finished a course using another initiative, and I found it useful because it alleviates the financial cost. This article will explore CITREP+, which focuses on developing ICT skill sets in Singaporeans and PRs. My experience in Hackwagon I am currently on another course which is also covered FULLY by CITREP+ because I am a NSF. Previously, I had already attended DS101: Introduction to Python Programming by Hackwagon. I really liked the instructor and the…

  • frugal

    Singlife nerfed, now GIGANTIQ?

    About 2 months back, I introduced Elastiq by Tiq to you. At that time, I mentioned that it was probably the next best choice after Singlife, the ever so popular insurance savings plan which offered 2.5%. Unfortunately, Singlife got nerfed to 2% recently. As a user of Singlife and a firm believer of what they offer, I was honestly sad to see them get nerfed. Where else could I park my money after the first $10,000 to earn a solid return? That was when I discovered GIGANTIQ. Comparison with Singlife? Naturally, I tried to compare Singlife and GIGANTIQ, after all, they are in the same product category, which is an…

  • frugal

    Endowus Fund Smart, what is it?

    Very recently, Endowus, currently the only roboadvisor that lets you invest your CPF, introduced a new platform called Fund Smart. Unlike Cash Smart, this tool aims to let you choose your own funds to customise your portfolio. It is basically like choosing their curated unit trusts and creating a portfolio that you want or just changing the allocation at a non-advised basis. But why? Isn’t the point of a roboadvisor to set it and forget it? That was my initial thought too. But I withheld from writing my thoughts and listened to some parts of their webinar on Friday. This is their rationale behind it. They especially “curate” the funds…