best time deposit for sgd?
- Thread starter hellboyII
- Start date
Re: best time deposit for sgd?
Singtel is defensive stock..not exciting cos volatility is not as great as compared to others..i think it gives relatively decent dividends. I think for someone who doesnt want take too much risk...it is one of the safest stocks around.
given his risk profile and need for liquidity like every 3 months with no loss to the principal amount, I think no choice but FD. no such thing as a win-win product..beats inflation, got liquidity, capital protected...no choice..put FD sure lose to inflation in the current environment...
that said, governments world-wide are not so much concerned with inflation now...growth is of highest priority.
Singtel is defensive stock..not exciting cos volatility is not as great as compared to others..i think it gives relatively decent dividends. I think for someone who doesnt want take too much risk...it is one of the safest stocks around.
given his risk profile and need for liquidity like every 3 months with no loss to the principal amount, I think no choice but FD. no such thing as a win-win product..beats inflation, got liquidity, capital protected...no choice..put FD sure lose to inflation in the current environment...
that said, governments world-wide are not so much concerned with inflation now...growth is of highest priority.
Re: best time deposit for sgd?
im offering a better suggestion based on what the TS is after. im not here to teach him how to target price growth. thats completely outside his threshold. im giving him a suggestion based as close as possible to capital protection n yet offers a better pick up than FD.
im offering a better suggestion based on what the TS is after. im not here to teach him how to target price growth. thats completely outside his threshold. im giving him a suggestion based as close as possible to capital protection n yet offers a better pick up than FD.
toiletsiao
Well-Known Member
Re: best time deposit for sgd?
if stocks are taken to consideration... can consider starhub...... at current prices 20/290 = 6.9% yield......
I see it as a quasi reit ... It pays out 5cents per share every quater... potential for capital gain might be limited..but at least its a good alternative to fixed deposit..
i will rule out REITs for now as there is always a need for REITS to rollover their debts or do refinancing......REITs can do private placements(Dilute holdings) or have rights issues to buy property.... in many cases the cash u put up to subscribe to all this units are even more than the dpu u received...
I see starhub as a better alternative than reits becoz they generate alot of cash and is some sort of a monopoly in Singapore...they have never issued rights or placed out shares even in the depths of the financial crisis in 09... heck they even survived losing BPL to MIOTV which many ppl have already written them off..
if stocks are taken to consideration... can consider starhub...... at current prices 20/290 = 6.9% yield......
I see it as a quasi reit ... It pays out 5cents per share every quater... potential for capital gain might be limited..but at least its a good alternative to fixed deposit..
i will rule out REITs for now as there is always a need for REITS to rollover their debts or do refinancing......REITs can do private placements(Dilute holdings) or have rights issues to buy property.... in many cases the cash u put up to subscribe to all this units are even more than the dpu u received...
I see starhub as a better alternative than reits becoz they generate alot of cash and is some sort of a monopoly in Singapore...they have never issued rights or placed out shares even in the depths of the financial crisis in 09... heck they even survived losing BPL to MIOTV which many ppl have already written them off..
hellboyII
Well-Known Member
Re: best time deposit for sgd?
hi niva,
points noted, i can accept some risk but the risk compare with the return does it really worth it?
fd on sgd50k 1yr later earn sgd600 say example 1.2% comapre to others? maybe have 5% which is = sgd2500 diff sgd1900 big money but the risk involved in losing my princpal its hw many % then?
Niva;758039 said:
hi niva,
points noted, i can accept some risk but the risk compare with the return does it really worth it?
fd on sgd50k 1yr later earn sgd600 say example 1.2% comapre to others? maybe have 5% which is = sgd2500 diff sgd1900 big money but the risk involved in losing my princpal its hw many % then?
hellboyII
Well-Known Member
Re: best time deposit for sgd?
hi toto,
thanks a lot but pls pardon me as im not good with numbers but im wilingly to listen to advised and suggestion surely. so the next closing things to my profile will be singtel stock?
now come the difficult part, how much buy ah?
totoseow;758062 said:
hi toto,
thanks a lot but pls pardon me as im not good with numbers but im wilingly to listen to advised and suggestion surely. so the next closing things to my profile will be singtel stock?
now come the difficult part, how much buy ah?
hellboyII
Well-Known Member
Re: best time deposit for sgd?
hi bro
1 lot is = 1000 right? or? if i buy now sgd3.11 few days drop to 3.00 the diff do i need to top up? if not i can keep continue to hold on it right? till it increased than i sell?
any admin fees generally involved?
iScoupe;758080 said:
hi bro
1 lot is = 1000 right? or? if i buy now sgd3.11 few days drop to 3.00 the diff do i need to top up? if not i can keep continue to hold on it right? till it increased than i sell?
any admin fees generally involved?
