Archive

Dissecting IGB REIT IPO Prospectus Part 1

IGB REIT IPO – there are so much hype and anticipation surrounding it for the past 6 months. Two days ago, the registrable prospectus of IGB REIT has been submitted to Securities Commission. This gives the public and potential investors

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M-REITs Experiencing Phenomenal Growth

Investing in M-REIT (Real estate investment trust) has never garnered so much attention since the framework set upon by the Securities Commission in 2005. The Government has progressively introduced tax incentives to promote the REIT market alongside the capital market.

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How to Invest, Shop and Save in 2H 2012

How to Invest in 2H2012, given the turbulence ahead – both locally and abroad? In Personal Money July 2012 issue, it has this inaugural how-to section, and one of the salient points discussed is this answer to this very question.

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Credit Card Repayment – You are the worst

Credit card repayment – Malaysians are the worst credit card repayers in the Asia Pacific region. If you are a Malaysian, then you probably part of the statistics. This is based on global survey conducted by The Nielsen Global Survey of

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How to Invest Silver in Malaysia

Do you know how to invest in silver in Malaysia? I don’t know about you, but I surely don’t. That’s why I decided to call up Daniel Foo from Silver in Malaysia and garnered some wisdom from him, with some

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Axis REIT Asset Acquisition 2012

Axis REIT to acquire Wisma Academy and the Annex in Petaling Jaya. The former is bought at market value while the latter is acquired at 20% discount to market value. In REIT Method course, Axis REIT is one of the

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Interview with iMoney.my Founder & CEO

These are 5 things you should know now about iMoney.my if you are a Malaysian. iMoney is a free-to-use, independent comparison portal for banking products, the likes of home loan, car loan, credit card and personal loan. iMoney can help

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Starhill REIT Ambitious Asset Acquisition

Digest this: Starhill Real Estate Investment Trust (Starhill REIT) is acquiring the hotel properties and business assets of three Marriott hotels in Australia for A$415mil (RM1.3bil) cash. If you follow M-REIT investing news like me, you would read in the news today that

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Why You Want So Much Money For?

This blog is about financial concepts and money issues impacting our financial well being. It is also about getting yourself educated financially so that we keep more of the money we make and in parallel, grow our accumulated money with

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Personal Finance Book Give-aways!

The wonderful publicity staff at John Wiley & Sons, the publisher of the international best-seller, Millionaire Teacher – The Nine Rules of Wealth You Should Have Learned in School is kind enough to sponsor 2 copies of the book for readers

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Financial Concept: Mark-ups versus Margins

Why do business owner use the term ‘mark-up’ a lot while sales executives use the term ‘sales margin’ instead? For the non-business savvy man in the street, these terms are used interchangeably without realizing they are referring to two different financial concepts.  

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Economic Recession? Unlikely in 2012

Economic recession? At least not in Malaysia for the time being. And this is based on data from Malaysian Institute of Economic Research, based on overall business condition and consumer sentiment between January to March 2012. I have actually braced myself

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Pay less income tax with this one simple tip

Are you under claiming your insurance tax relief? After all, tax planning is part of financial planning. Digest these 2 facts Your EPF contribution alone would have maxed out the RM 6,000 quota for EPF & Life insurance tax relief

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How to define Wealth?

What is your interpretation of being wealthy in monetary term? Is it any of these? Having one billion dollars of disposable cash? Be able to afford to drive an Audi R8? Be able to shop till you drop without having to worry

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The Importance of Medical Insurance

I was recently admitted to a private hospital for severe respiratory viral infection. It was a result of a prolonged sore throat infection, which consequently lead to appearance of rashes on my body and conjunctivitis. Before my hospitalization, I went to

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Morbidity and Mortality Rates in Insurance

Morbidity and Mortality Rates are the fundamental financial concepts in insurance. The 4 facts outlined below are the basic concepts everyone has regarding insurance premium. Have you ever wondered how to explain these scenarios, in a proper way? Ceteris paribus*,

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Business Conditions Index: BCI4Q2011

The business condition index, BCI for Q4 2011 has been released by Malaysian Institute of Economic Research, MIER about 2 weeks ago. Regardless of how the government is trying to convince you that we are “doing okay”, the data shows overall

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A Personal Finance Idea Worth $170 million

This is a very inspiring sharing by an engineer who single-handedly founded the Mint.com, which provides #1 web and personal finance application in the US. This app makes it dead simple to put your personal finances in order. Entrepreneurship, according

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Beware of misleading ads

I saw some of these ads running in via Google ads quite often recently, including LCF on Personal Finance. Bear in mind that webmasters have little control over what ads which will appear in their website. However, since I realized

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Money Issues: Liquidity and Volatility in M-REITs 2012

Local real estate investment trust (M-REITs) will face 2 main issues this year due to eurozone uncertainties and muted global capital market activity, coupled with the small market capitalization in Malaysia by international standards. Volatility issue Slower growth is expected with

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CMMT REIT trending up!

In my previous post, Top 10 reasons I invest in Capital Malls Malaysia Trust, I was bullish on the REIT price range breaking resistance at RM 1.35. Fast forward 2 months, lets look at the its closing price again today.

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Outsourcing and your Hourly Rate

If frugality is your new-found way of life, you would always be looking for methods to reduce expenses.  Questions like, should I wash the car myself instead of sending it to your neighbourhood car wash? Or, should I cook at home instead

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Pavilion REIT: All time high since IPO

Pavilion REIT closed at RM 1.08 today, highest since IPO price at RM 0.88 just three weeks ago. If you are lucky enough to purchase the stock at its IPO price, you have already profited 23 percent capital gain in

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Financial Concept How-To: Gordon Growth Model

The Gordon growth model is widely used for evaluating the intrinsic value of a stock, especially in industries where dividend payments are large and growth is relatively stable. When we take into account the expected annual DPU (dividend per unit),

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Pavilion REIT – a post-IPO long position

I did apply for Pavilion REIT IPO before its listing on 7 December via Maybank2u, but was not successful. However, I opened a long position a few days after that, with entry price of RM 1.01.  At the time of this

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Property Investment blog

Here’s a property investment blog which I have been following closely of late – InvestKK.com The author is a banker by profession, and an economist by training. The blog contains excellent no-holds barred write-ups on property investment. The content is straightforward

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LCF Answers Readers’ Question

Question 1 In my previous post on calculating total insurance needs, a reader remarked that by liquidating all Mr Lim’s assets, it essentially means there is neither a house nor liquid cash for his family to stay and use after his

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A Convenient Way to Check Insurance Policy Cash Value

e-Connect is Great Eastern web-based service for policyholders. With e-Connect, you can:   • View and download your Life Insurance Premium Certificate(LAPC) • Check your policy details and values • Download form for transactions • View Investment Link Annual Report

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How to Evaluate Retirement Annuity Plan

What is an Annuity and How to Evaluate Retirement Annuity Plan? Retirement planning is one of the often overlooked aspect in personal finance. By the time one realizes the significance of a retirement plan, he usually discovers that there are

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Insurance nominee or beneficiary?

Insurance nominee or beneficiary – how do you know which one is which? As a general rule, all your assets will be frozen when you die. With or without a will, your assets will be used to pay off creditors’

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Top 10 Reasons I Invest in Capital Malls Malaysia Trust

Investment in REIT is no rocket science, but first, there are a few factors to consider just like property investment. The thing about Penang properties: the rentals are (relatively) cheap compared to their (speculative?heh) values. Absolutely absurd when it comes

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A Very Red Market Day

Manufacturing index dropped to 50.8 in October, down from 51.6 in September, a sign of slowdown, according to the Institute for Supply Management. Any reading above 50 indicates expansion. The manufacturing sector has grown for 27 straight months, according to

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Bad news: Debit Card Fees

If your bank need to charge you an annual or monthly fees for the debit card you own, what would be your first reaction?Absurd. The Good News: That is what just happened in US. Apparently, Bank of America will start

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How much insurance one really needs?

Insurance analysis for self is a quick and simple way to estimate your insurance needs. An insurance analysis case study based on Total Needs Approach: Say, Mr Lim, aged 35, earns $ 100k annually. He is married with a 3

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Of RIM Blackberry, Value Investing and Leverage

Leveraged investing is not for everyone, although using leverage in investing can net you huge returns. I am sure you read of longest ever worldwide Blackberry network outage last week. The three-day blackout interrupted email and Internet services for tens

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A Tale of Middle Class Millionaire

This is a pretty inspiring story for school teacher Andrew Hallam, a self-made millionaire investor in Singapore. Here’s some of his simple personal finance principles which we all could relate to. Drawing a middle class wage, he had become a

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Business Conditions Index: BCI3Q2011

In my previous post, I did mention that if BCI continues to trend down for Q3, a double dip recession is likely in Malaysia.The BCI for Q3 has just been released by MIER.  The gist of it: Business is still

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3 basic must-ask questions to a Unit Trust Consultant

What are the questions to ask when investing in unit trust? Or more importantly, the questions to ask BEFORE investing? As an independent financial adviser (check out my client’s testimonials HERE and how I construct an investment portfolio for clients),

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Unit Trust Risk-Return Part 1: The Sharpe Ratio

The Sharpe Ratio of Unit Trust – a method to estimate its risk return profile. In any financial investment, risk and return go in parallel. Guaranteed return is known as risk-free return, and almost always refer to either Fixed Deposit

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The Grim Reaper Investment Fund

…aka the controversial Life Settlement Fund. What happens is this: A life insurance policy owner has coverage of $1 million, and has paid a total of $200k premiums for the last 20 years. The policy owner offers to sell his

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