Thoughts on Investment and Money built on a Christ-Centered Mindset

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Business Birthday Lessons

Stewart Motors 1st Birthday!!! Actually this business has been around for more than 50 years, its just that I've now owned it for one year. :) Today marks the first year since I bought this business and it has been a blast! This is obviously not my first business but it is certainly one of my favourites! Maybe it's because I get to drive an ambulance or police truck from time to time. ;) Boys never grow up.  What Warren Buffett said about business is so true. "I am a better businessman beca...

July 9, 2020

Should you hold any cash in your investment portfolio?

Given the amount of "money printing" and support governments around the world are pumping into the economy, is there any benefit to holding cash? Actually there is!  1. Unless your job is ultra secure, I always suggest having a few months' worth of expenditure on hand, just in case. This allows you to stay on your feet whilst you look for a new job, and won't be desperate to jump at anything. How many months? Well, it depends on how secure your job is right? If you work for the public servi...

July 6, 2020

When do I sell an investment?

When to sell? I get this question a lot, and its a valid question.  First, let me preface that you need to wear an "Owner" hat. If you start a business today, you are not going to be selling it next month or next year right? In other words, having a long term mindset. Then, when do I sell? 1. When the fundamentals / story changes. When I invest in a company, there is usually a reason / "story" behind why I did it. When those fundamentals change, it means my original thesis might be wrong. H...

June 26, 2020

How to hedge real estate prices in Singapore

Being Asian, I obviously love real estate.  It's a long term play on the economy etc. I especially like real estate in key gateway cities like Singapore, Hong Kong, New York, LA and London.  However, it can be quite difficult to buy and manage physical real estate far away from where you live. And since I am also a stock market guy, I constantly look for ways to get exposure to these markets using "proxies". Let me give you an example.  In Singapore, many analysts like to use City...

June 22, 2020

Red Door House

Do you know why some people paint their doors red? For the Chinese, it represents good fortune and welcome. And apparently in Scotland when they have finished paying off the house mortgage, they would paint their doors red! I thought that was a neat little idea!Anyway, a friend of mine recently sent me this picture of the progress they are making towards paying off the mortgage on their house. Now THAT is a brilliant idea! It's a simple picture of a house with different sections and each se...

June 13, 2020

Euphoria, FOMO and 3 Investment Lessons from the first Covid "double"

Well! How fast can the pendulum swing! From Fear Of Losing at the depths of Covid to a Fear Of Missing Out that seems to be taking place in the stock market right now. I didn't realise this until last week but an investment I made in a New Zealand company called Tourism Holdings just gave me my first Covid 1-bagger (meaning it has made at least a 100% return, or doubled in price). The purchase was done on 3 Apr 2020 at $1.005 and it hit a high of $2.59 last week, returning more than 150% in 2 mo...

June 9, 2020

Sleep Well At Night (SWAN) Investing

Have you thought about how you can invest and sleep well at the same time? 3 thoughts about "Sleep Well At Night" (SWAN) investing as we emerge or look forward to emerging from lockdowns in our various countiesSo what do we do now?1. Keep a long-term time horizon. Make your decision not based on what the stock market will do in the next week or next month, but rather three to five years from now.This reminds me of my Safety First post a few weeks ago. Make sure the investments you consider have ...

May 19, 2020

3 Simple Investment Screening Criteria to get you started

Do you find it hard to screen for potential investment opportunities? Here are 3 simple screening ratios just to get started. They tackle 3 key questions. Is it potentially cheap? Does it have investment potential? Will it be "safe"? 1. Earning Yield (EBIT / Enterprise Value) – First cut on valuation2. Return on Invested Capital - First cut on profitability3. Debt / Equity Ratio - First cut on financial healthThere are myriad other criteria you can look for, example stable gross margins, growi...

May 19, 2020

Property and Stocks Investing...both work!

Many people get hung up on investing only in real estate or only in stocks. Both are equally valid! They have different characteristics and serve different investment objectives. Enjoy this short video!...

May 15, 2020

Missing the Boat Part 2: How to deal with the Fear Of Missing Out (FOMO)

When it comes to investing or trading, Fear Of Missing Out (FOMO) is a very real emotion. However, there are some practical steps you can take, which I do myself.1. Most importantly, remember it is the Lord who provides. Don't forget that. Because if the Lord will provide, then so what if you miss the boat? He could send another one, or direct you to another boat!2. Develop a list of alternative boats. One main reason we develop FOMO is because we feel this is the one and only option. It's not! ...

May 14, 2020

Have I missed the boat?

From the Mar 23 low of 2191, the S&P500 has rallied by about 30% to the 2900 area. You may be thinking one of a few things right now: - Shucks! I have missed the opportunity to buy at the low!- ARRGH! I should not have sold- It's ok, the market will make another low. I will wait for it Honestly, I have ZERO idea what the market will do in the short term and most of the time I don't really care. I used to care a great deal actually! But found it too anxiety producing and totally unhealthy.  ...

May 12, 2020

Would Investment become a Winner takes all game?

I seldom talk about macroeconomics but I do think about it regularly. And I've been spending quite a bit of time trying to make sense of the impact of what is going on, in the light of past crises, and the ever growing debt load. What are the implications on your investment strategy? What will this mean for your job? I think and draw on these whiteboards for myself all the time but thought I would share this with you as well. Hope the video is helpful. Blessings. Check out this free trainin...

May 11, 2020

Fraud: How to detect it in your investments

I was recently asked by a friend how to detect potential problems in companies like Luckin Coffee, Hin Leong Trading etc? Before investing, how do we detect if there might be fraud or risk of failure? People like Muddy Waters, Jim Chanos are very granular because that is all they do. Most fund managers will not be able to go to the kind of granular on the ground research that they do. But, there are some high level signs I look for: 1. Always start with the balance sheet. ESPECIALLY the ass...

May 7, 2020

What should YOU do?

What should YOU do?What are OTHER people saying that you should do? Don't you find it confusing at the moment? We seem to be evenly split between the effects of money printing and central bank support, and the reality that the economy (even if a vaccine is developed today) is badly hurt. I will start by with a short comment on Warren Buffett's AGM over the weekend. The most striking to me is this: Whilst he extols the virtues of the American economy and why you should not bet against it, he HAS ...

May 5, 2020

Ten-Bagger Investments

#10-BaggerI talked about the 10-bagger previously. Basically having your investment increase 10-fold. I used to think it was very difficult but actually, all you need is 26% compounded return every year. ORLY did it. Some others will. Here's my Checklist: 1. An attractive starting valuation. The stock should not be too big at the moment. If the market cap is already $300bn, you are expecting it to go to $3 trillion. A bit challenging don't you think? On the other hand, a stock that is "only" wor...

May 4, 2020

God is most at work, when we are most at rest

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May 3, 2020

The Great Reset

Do you know that "DISRUPTIONS" are good? Why? Because they WIPE THE SLATE CLEAN. It gives you the opportunity to RESET.  When change comes, especially big ones, don't let it go to waste. Your old habits and practices are being disrupted. Take the opportunity to put in place new, "good" ones.  I am not going to call this the COVID crisis. I want to call it THE GREAT RESET.  Reset. Adjust. Go again. Blessings.  #money #investing #The5000 #JoshuaFong #hope #christianinvesting #b...

April 30, 2020

Do you know how to invest in oil, or structured products?

You have heard by now how oil prices went negative last week.  What you may not have heard is this retail product that a major Chinese Bank dubbed "Yuan You Bao, or Crude Oil Treasure”. There is a Bloomberg writeup on it.  Essentially this Crude Oil Treasure is one of the small number of players caught in the negative price spiral. Best of all, those retail investors have now been told that they may need to top up their investment to make good the losses! These investors probably tho...

April 29, 2020

Business and Testimony

This was written during the depths of the Covid19 Crisis in 2020. Many businesses are hurting. You are hurting.I know. Because I've been through it. MANY people have been through something like this. You're not alone.Many years ago (2002), I started the first soup cafe in Singapore with some friends. (The inspiration actually came from the #SoupNazi episode in #Seinfeld!)We did well initially. We were featured in the press. There were lines outside the shop everyday. We must be on...

April 27, 2020

Keep Sowing

Sow, especially during famine!I just watched a recent sermon from Bill Johnson. Check it out on Youtube (22 March, https://loom.ly/dKCgcNQ).What struck me was this:1. Genesis 12. Verse 1: There was a famine. Verse 12: Isaac SOWED!In the MIDST of the famine! This was not a "generosity" sowing. He was sowing into his land, his business. DURING the famine.Don't stop now. Sow into your business, investments, personal learning during this time.2. Acts 11. The people heard there was a famine comi...

April 27, 2020

Joyously Simple

What I'm about to share in this post will not be be good for the economic recovery but good for you personally. I've always advocated the importance of living within your means. With the lockdowns around the world, we have not been out and about as much.  Guess what? You survived! You didn't need to spend as much money as you normally did! Life can be lived enjoyably, quite simply! I don't know if you've heard of the FIRE movement. Financial Independence Retire Early. This Great Reset ...

April 1, 2020 Posts 1-21 of 21 | Page