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1st Quarter 2021 Report. Happy 5 year anniversary (guest post)

1st Quarter 2021 Report. Happy 5 year anniversary (guest post)

1st Quarter 2021 Report. Happy 5 year anniversary

YTD Performance: +28.45%
Performance since Inception: +4600%(?) There are some price data missing so the app calculated those with just last transaction price i made. The time weighted gain probably is not that accurate.

This post was originally posted here. The writer @vincentwong10, is a community member and blogger on InvestingNote with 700 followers.

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It’s 5 years already. What a fruitful journey. I did quite well so far fortunately.
Let’s do little recap…Started investing in Singapore stocks and some US stocks. Had a wonderful starting year with triple digits returns every year, whether it’s bull or bear (only 2018 so far) markets. End of 2018 start to focus on HK listed companies. I might’ve jinx them that their index fell from peak 33000 when I enter to 28000 in the mist of bull market. Luckily, I did fine with all the riots, trade war, and virus.

I’ve bought a total of 28 companies so far in this 5 year. 4 of them are unprofitable which range from -7% to -34%, they are TianLi Education, Empire Snack, Fuyao, and Pinduoduo. Funny thing is, all of them would be very profitable if I had held them till today. Some were mistakes, some were sold because of opportunity cost which turned out great.

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A Look into DBS Group Holdings’ Q4 and FY2020 Results (Guest Post)

A Look into DBS Group Holdings’ Q4 and FY2020 Results (Guest Post)

DBS Group Holdings (SGX:D05) is the first of the three Singapore-listed banks to release its results for the fourth quarter, as well as for the financial year 2020 ended 31 December 2020 early this morning (10 February 2021) – the other two banks will be releasing its results on the final week of February (OCBC on 24th February, and UOB on 25 February – both before market hours.)

In my post today, let us take an in-depth look into DBS’ latest ‘report card’ – particularly its key financial results, key financial ratios, as well as its dividend payouts to shareholders, along with my personal opinions as a shareholder of Singapore’s biggest bank to share.

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This post was originally posted here. The writer, Lim Jun Yuan is a veteran community member and blogger on InvestingNote, with a username known as @ljunyuan and has close to 2,000 followers.

Key Financial Results (Q4 FY2019 vs. Q4 FY2020, and FY2019 vs. FY2020)

In this section, you will find the bank’s results on a quarter-on-quarter (q-o-q) basis (i.e. Q4 FY2019 vs. Q4 FY2020), as well as on a year-on-year (y-o-y) basis (i.e. FY2019 vs. FY2020):

Q4 FY2019 vs. Q4 FY2020:

Q4 FY2019 Q4 FY2020 % Variance
– Net Interest
Income (S$’mil)
$2,426m $2,120m -12.6%
– Net Fee & Commission
Income (S$’mil)
$741m $747m +0.8%
– Other Non-Interest
Income (S$’mil)
$294m $396m +34.7%
Total Income
(S$’mil)
$3,461m $3,263m -5.7%
Total Expenses
(S$’mil)
$1,600m $1,580m -1.3%
Net Profit
(S$’mil)
$1,508m $1,012m -32.9%

Total income (which consisted of 3 components: net interest income, net fee and commission income, as well as other non-interest income) fell 5.7% on a q-o-q basis to S$3,263m, as a decline in its net interest income (due to a 37 basis point q-o-q drop in its net interest margin to 1.49%), cushioned by an increase in its net fee and commission income (attributed by an improvement in its wealth management fees), as well as in its other non-interest income (as a result of an increase in its trading income.)

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The Story of Short Squeezes Repeats Itself – Volkswagen (2008) and Gamestop (2021) (guest post)

The Story of Short Squeezes Repeats Itself – Volkswagen (2008) and Gamestop (2021) (guest post)

John Keynes once said that the market can stay irrational longer than most retail investors can stay solvent.

Well, we’ll add hedge funds and institutional funds to that lists.

In case you have not heard of the hottest town talks surrounding the market in the recent days, shares of several counters (I purposely mentioned counters rather than companies because it doesn’t matter anymore, they are treated as a pawn right now) such as Gamestop $GME, AMC, BB, Nokia, KOSS have rocketed to escalating levels due to strong ongoing retail demand pushing up the stock.

This post was originally posted here. The writer, Brian Halim is a veteran community member and blogger on InvestingNote, with a username known as @3Fs and has 2261 followers.

games

Yes, you heard it right.

It’s not big institutional controlling it (though I would argue there might be small hedge funds perhaps who are participating in the party), but rather retailers who lurked around forums such as Reddits, and StockTwits nests and consolidate their purchasing power by pushing up the price.

Now, let’s just take Gamestop for instance.

The company has been a target for short-sellers for a number of years now, and the amount of short-selling volume amounted to more than 140% of the entire floating shares available. The company has started its buyback program for a number of years in the past and therefore has only some 70m floating shares lurking around.

If you theoretically take the number of forumers – Reddit/wallstreetbets/StockTwits users/followers, which is likely to amount to more than 20m, you can essentially have a coordinated orchestra to move the markets.

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Top 5 Stock Picks to Avoid in 2021 for buy and hold Investors (guest post)

Top 5 Stock Picks to Avoid in 2021 for buy and hold Investors (guest post)

A Happy New Year to all investors,

Here is my top 5 pick for stocks to AVOID for buy and hold.

Image may contain: sky, text that says 'TOP 5 STOCKS TO AVOID IN 2021 FOR BUY AND HOLD INVESTORS in InvestingNote'

This post was originally posted here by one of our community members. 

1)$SIA(C6L.SI)

The aviation industry is going through a hard reset.  While vaccines are starting to be available, it will take many many more months (infection number still raising)  for all countries to gain herd immunity.  A likelihood of SIA doing more rounds of fund raising which will dilute existing shareholders.

2) $First Reit(AW9U.SI)

For REITs that depend on master leases it is vital for investors to check the financial strength of the counter party.  If the tenant has weak financials doesn’t matter how the lease is restructured or how much $$ the REIT raise.  A responsible REIT manager will know when it is time to liquidate the properties and return $$ to shareholders before more value destruction happens.

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6 Key Points About iFAST (after losing bid for digital banking licence) (guest post)

6 Key Points About iFAST (after losing bid for digital banking licence) (guest post)

On Friday evening, MAS announced that it will award full digital banking licences to Internet firm Sea and the Grab-Singtel consortium, as well as DWB licences to China’s Ant Group and a consortium led by Greenland Financial. The iFast’s consortium, with China’s Yillion Group and Hande Group, fails bid for digital wholesale bank (DWB) licence and its share price is down 30% today.

Singapore to have 4 digital banks, with Grab-Singtel and Sea getting digital full bank licences, Banking News & Top Stories - The Straits Times
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This post was originally posted here. The writer, SweeSwee is a veteran community member on InvestingNote, with a username known as @Sweeswee and has 300+ followers.

 

1. To say the least, I am very disappointed that iFast did not get the WDB license.

2. While I understand that Ant was a firm favorite and they won, I don’t quite understand why only 2 WDB licenses were awarded when they had planned for up to 3. Did iFast fail to even meet the WDB requirements? I thought its unlikely since Lim CC would be experienced enough to satisfy all the requirements before bidding. Maybe MAS wants the company to already have at least S$100m in cash now? iFast’s thinking was that it could easily raise S$100m from consortium partners and the market if it wins.

Also, I scratch my head why the consortium led by Greenland could win. Greenland’s parent company is among the biggest property developers in China but it is also heavily indebted, highly geared. I believe its financial arm also does not have much track record in the finance business, especially in South East Asia.

Why give it to Greenland? Why MAS does not award to one of the biggest, best run, most promising home-grown fintech companies in Singapore?

3. To be fair to iFast, part of the reasons why its share price soared in the last few months was because its existing businesses have done very well. The business units continued to register strong growth and higher profits throughout the Covid-19 pandemic. AUA continues to rise to record levels quarter after quarter.

Indeed, it also just won licenses to operate its platform for stocks trading in Malaysia and to operate as a private fund manager in China. Both these new business lines will commence operations in Q1 2021 and start to bring more revenues for FY21.

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A Summary of Mapletree Logistics Trust’s EGM on 23 November 2020 (guest post)

A Summary of Mapletree Logistics Trust’s EGM on 23 November 2020 (guest post)

Blue chip logistics REIT Mapletree Logistics Trust (SGX:M44U) held its extraordinary general meeting (EGM) yesterday afternoon to seek unitholders’ approval on the proposed acquisition of 22 properties in China, along with 1 property in Malaysia as well as in Vietnam. Approval was also sought for its proposed issue of new units of the REIT as partial consideration for its China acquisitions, and also for the proposed whitewash resolution.

 

An Analysis of Mapletree Logistics Trust

This post was originally posted here. The writer, Lim Jun Yuan is a veteran community member and blogger on InvestingNote, with a username known as @ljunyuan and has 1442 followers.

Due to the safe distancing measures imposed by the Singapore government (due to the ongoing Covid-19 pandemic), the EGM was held in a hybrid mode – both online as well as offline (limited spaces available.) I have opted to attend the online version of the meeting as a unitholder and in this post, you’ll find a key summary of it, which I’ve compiled for the benefit of those who weren’t able to attend…

Presentation by Chief Executive Officer, Ms Ng Kiat

  • The following are details of the acquisition:
    • Acquisition of the remaining 50.0% stake in 15 warehouses in China, a 100.0% stake in 7 warehouses in China, 1 warehouse in Malaysia and also in Vietnam
  • Aggregate Agreed Property Value: S$1,509.2 million
  • Implied Net Property Income yield: ~5.2%
  • Net Lettable Area: 1,223,660 sqm
  • Committed occupancy rate: 94.7%
  • Weighted average lease expiry: 2.3 years
  • CEO of Mapletree Logistics Trust, Ms Ng Kiat, shared that the logistics industry have benefited from the ongoing Covid-19 pandemic, where demand for Grade A warehouse space have increased as a result of an increase in adoption of e-commerce.
  • She explained that 3 geographical locations which the REIT will be acquiring properties in (China, Malaysia, and Vietnam) have seen their GDPs staying resilient despite the pandemic. Also, these countries are also projected to see a strong growth in their urban population in the years ahead (which will lead to an increase in demand for modern logistics space.) Coupled with the limited supply of Grade A warehouse space in the 3 countries, Ms Ng added that represents an opportunity for the REIT, being a leading provider of quality logistics space in Asia-Pacific, to come in and fill the market gap.
  • On top of that, Ms Ng also shared that the warehouses’ locations are strategically located near local consumption hubs in under an hour, which is an important consideration for tenants in e-commerce businesses. Not just that, post-acquisition, the REIT will see new top 10 tenants (by percentage of gross revenue) in JD.com… (which will contribute 2.4%) and Cainiao (which will contribute 2.1%.)

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4 Key Things to Know about DBS & Lakshmi Vilas Bank (LVB) Merger (guest post)

4 Key Things to Know about DBS & Lakshmi Vilas Bank (LVB) Merger (guest post)

By now, you probably have heard about India’s central bank proposing a scheme to merge the ailing Lakshmi Vilas Bank (LVB) with DBS Bank.

Many investors have been crying foul about the bad deal etc. On the analysts side, there have been a mixed reaction as shown from the Biz Times article here.

But on an objective note, here’s 4 key things investors need to know about the proposed DBS – Lakshmi Vilas Bank (LVB) merger (there are plenty of snippets from various sources below and you can refer to the url links posted at the end).

This post was originally posted here. The writer, James Yeo is a veteran community member and blogger on InvestingNote, with a username known as @Smallcapasia and has 913 followers.

1) What led to DBS – Lakshmi Vilas Bank (LVB) merger?

This is believed to be the first time that the India central bank has turned to a foreign lender to rescue a failing local bank, in a move that took the industry by surprise.

Lakshmi Vilas Bank has been struggling with financial decline and red ink for the past three years. It incurred a loss of around $150 million in the 12 months to March 31. Its net worth has also shrunk while unpaid loans have increased.

India’s central bank advised LVB in September last year to reduce bad assets and bring in new capital.

However, after many months of futile discussion talks and sensing that things are deteriorating, The central bank stepped in to bail them out.

RBI (Reserve Bank of India) then did the following on 17 Nov 2020:

  • Imposed a one-month moratorium on LVB
  • Capped deposit withdrawals at 25,000 rupees and
  • Unveiled the proposed merger with DBS soon after.

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The 7 Biggest Reasons Why Traders Fail (Guest Post)

The 7 Biggest Reasons Why Traders Fail (Guest Post)

Do you know why traders fail?

Why trading signals are important to new and professional traders

This post was originally posted here. The writer, Rayner Teo is a veteran community member and blogger on InvestingNote, with a username known as @Rayner and has 617 followers.

My YouTube channel was created in 2013.
The first blog post on TradingwithRayner went live in 2014.
And along the way, I’ve interacted with thousands of traders and the truth is…The majority of traders fail.

Here’s why…

You want to be spoon-fed without doing the work

“Hey Rayner, which is the best moving average to trade with?”

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Budget 2021 – Amidst Malaysia’s Political & Economic Uncertainty (Guest Post)

Budget 2021 – Amidst Malaysia’s Political & Economic Uncertainty (Guest Post)

At RM322.5billion, Malaysia Budget 2021 is the largest budget in the country’s history. But will it pass?

amidst-malaysias-1

This post was originally posted here. The contributor to this article,@Denise is one of our many community members on InvestingNote.

While the World Bank has come forward to welcome the overall stance of Malaysia budget 2021, it is still unclear if the bill will pass.

Malaysian finance minister Tengku Zafrul Tengku Abdul Aziz tabled the 2021 national budget in parliament last Friday on Nov6; also the first budget under Prime Minister Muhyiddin Yassin’s administration.

But already, it appears the current administration is in for a bumpy road ahead. There are a lot of doubts if the budget is even able to pass because of politics.

In his budget speech, the Finance Minister has projected the economy to expand between 6% and 7% next year.
In response to that, Mr Anwar argued that the projections of development figures in the budget proposals were unrealistic and “not responsible”. He also commented that the budget was “misleading” and benefits cronies instead of the people.

Besides Anwar, The Pejuang party leader, Mahathir, also joined the disapproval of the budget in a Facebook post saying he wants it modified so that it is “more realistic”. His reasons were that the pandemic requires more money to be spent by the government, but it has also affected the Government’s revenue.
Mahathir further questioned where the money will come from, considering the deficit of about RM85 billion is much bigger than the development budget of RM69 billion.

Accordingly, there is a high possibility the passage of the budget would be blocked by Members of Parliament with a no-confidence vote against Mr Muhyiddin.

However should the bill is passed, these could mean the following for Malaysians and the economy:

i) Employee Provident Fund (EPF) account-holders will be entitled to withdraw up to RM500 per month, for one year from their EPF Account 1. Before this, account holders are only allowed to withdraw once they reach 50 years old.

ii) Certain sectors are bound to benefit from the budget 2021, and others not:

On a more positive side, the setback seemed to be avoided after the king pressed MPs from both sides of the political divide to support the Bill. It was the first time in Malaysia’s history that opinions have been sought from opposition lawmakers on the Budget’s formulation.

It is worth pointing out that the Government usually makes additional changes before the final bill is passed. After all, this is just the first reading of the budget.

Let’s hope Malaysia is able to tide through this crisis! 🇲🇾🙂 $KLCI(^KLSE.IN)

 

Once again, this article is a guest post and was originally posted on Denises profile on InvestingNote.

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How to Use Trailing Stop Loss: 5 Powerful Techniques That Work (Guest Post)

How to Use Trailing Stop Loss: 5 Powerful Techniques That Work (Guest Post)

What is a trailing stop loss?


This post was originally posted here. The writer, Rayner Teo is a veteran community member and blogger on InvestingNote, with a username known as @Rayner and has 613 followers.

Have you ever wondered how professional traders ride big trends?

You know the type of trend that keeps going higher and your profit keeps snowballing — while you do nothing.

Well, the secret is this…

They use a trailing stop loss.

You’re thinking:

“It doesn’t work.”

“I’ve used it before but the market always hit my stop loss before it trends.”

That’s because:

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