IMO, if you want high yield, some capital protection, + no equity raising, go for First-Reit (~11%) now. avoid all Shipping trusts...
thanks Ikan, my equities was 240k now left 200k abt -40k paper lost... do you think i should hold on to recover or switch all or some to high yield, any advice for me? when is the best time to load high yield stock?
do you also hold equities? or all your money you invest in high yield?
i think no point for you to switch to high yield lah!... me cannot trade type so all put inside high-yield...
you in stock market 1/2 year earlier than me... i came in somewhere during the 2007 peak...i remember both of us lost jialat jialat 1-2 years back...
i'm still holding paper loss of about 35-40K... (total amt dump in as 296K)... but my dividends collect is also about 35-40K... => offset my paper loss
i belif if you were not in those very speculative counters like jade... you should have recovered all loss by now...
look like we're in same boat but you better, me again went speculative sinomem loaded high 50 lots 0.72 now 0.475 lost abt -12k .. i think i'm like you cannot trade type better put in high dividend, but for now i think my goal is to double or save up to 500k then i switch to high dividend like you, if you've 500k would you continue high dividende or buy property and collect rental?
=> high yield stock
- you dun have to switch to high yield
=> invest in property (IMO, if you belif me)
- the 10+% reits provides you about the highest return
- highest yield: physical industrial property, geared to 70-80% bank loan, will provide you max 10-13% return... note that excluding property + renovation depreciation/ amortization.
- commercial office/shop space about 6-7% return, very slight margin if you consider commercial loans as 5-6% interest
- residential housing could be losing $$ from renting soon, go research from propertyguru.com, the rental might only able to cover the bank interest (~60% of your monthly loan installment + expenses + tax)
in between high-yield stock/properties, as today
- somehow i feel that those stable reit of 10+% provides you the best return, and safest
- you need good market knowledge when invest in industrial/commercial properties
- residential housing is getting very bad rental now, ratio of monthly rent to psf price is about 250... more than 200 is not sustainable in international standard
- condo px could be going downwards soon...
=> as for today... my choice is high yield stock for me
=> as for future... i will keep my $$ in stock... switch to property if there is opportunity... timing to get into property is crucial...
good luck to both of us, bro…
thanks alot for the info, next year this time 2010 nov we'll update each other portfolio again ok
Joined: 08 Mar 2007 Posts: 2580 Location: little red pond.., filled with RedBull tonic drink…
Posted: Sat Nov 07, 2009 10:51 pm Post subject: Re: do business better or buy stock?
kellychang wrote:
holy wrote:
kellychang wrote:
well..
if got 200k...
then u guys think do some small business better?
or use to buy stocks?
hmm....thinking to run tuition centre...
any advice...
thanks....
wow.. da jie is rich
well...i said for example only...
if only....
in real, dun hv so much money la...
but running tuition centre is my dream....
investment is my interest....
so i am just planning....hope 2 yrs later i canhave my own tuition centre and also have some dividend from stock...passive income...
hahaha
me dun know if it would be good/helpful to provide you this info....
there are people in the market who sells "packaged tuition centre", which means
- they setup the tuition centre, renovation, advertise, get students, and already operating
- they try to sell the whole biz to you...
- you need to take over the biz, + the premises renting contract from hdb etc...
- i remember one was at blk 12x tampines....
( i actually suspecting jxxxx axx here is one of them.... ... i always treat those as con guys... ... but that's horrible me... )
may be good to look into those, could be opportunity as well, biz normally can be anything negotiable... you could ask for..
- getting in as a partner onli, instead of taking over whole biz...
- get some pay also for part time teaching and managing the centre, run the biz etc...
- negotiate for anything work-able
but pls do enuf DD B4 jumping in hor... (hope you are not one of those trying to sell the tuition centre here ..... )
hi ms kelly. wat biz do u want to run? the success rate to do biz using self funding + 'free money' depend very much on the biz u want to do. for tuition centre, wat so special abt urs? barrier of entry etc need to consider too.
as for stock investment, i believe we are all in the same boat. trading make peanuts unless u can resist the temptation to sell, even for big profits.
well i am current school teacher..
i hold NIE cert...
with many years of teaching in school and tutoring .....
Wow.. xiaomei is highly educated and got good job wor....
hmm...dun call me xiaomei la..
even i look young...
hahahhahah....
well, i am 27 liao...old enough....
also please dun call me da jie also....
IMO, if you want high yield, some capital protection, + no equity raising, go for First-Reit (~11%) now. avoid all Shipping trusts...
thanks Ikan, my equities was 240k now left 200k abt -40k paper lost... do you think i should hold on to recover or switch all or some to high yield, any advice for me? when is the best time to load high yield stock?
do you also hold equities? or all your money you invest in high yield?
i think no point for you to switch to high yield lah!... me cannot trade type so all put inside high-yield...
you in stock market 1/2 year earlier than me... i came in somewhere during the 2007 peak...i remember both of us lost jialat jialat 1-2 years back...
i'm still holding paper loss of about 35-40K... (total amt dump in as 296K)... but my dividends collect is also about 35-40K... => offset my paper loss
i belif if you were not in those very speculative counters like jade... you should have recovered all loss by now...
look like we're in same boat but you better, me again went speculative sinomem loaded high 50 lots 0.72 now 0.475 lost abt -12k .. i think i'm like you cannot trade type better put in high dividend, but for now i think my goal is to double or save up to 500k then i switch to high dividend like you, if you've 500k would you continue high dividende or buy property and collect rental?
=> high yield stock
- you dun have to switch to high yield
=> invest in property (IMO, if you belif me)
- the 10+% reits provides you about the highest return
- highest yield: physical industrial property, geared to 70-80% bank loan, will provide you max 10-13% return... note that excluding property + renovation depreciation/ amortization.
- commercial office/shop space about 6-7% return, very slight margin if you consider commercial loans as 5-6% interest
- residential housing could be losing $$ from renting soon, go research from propertyguru.com, the rental might only able to cover the bank interest (~60% of your monthly loan installment + expenses + tax)
in between high-yield stock/properties, as today
- somehow i feel that those stable reit of 10+% provides you the best return, and safest
- you need good market knowledge when invest in industrial/commercial properties
- residential housing is getting very bad rental now, ratio of monthly rent to psf price is about 250... more than 200 is not sustainable in international standard
- condo px could be going downwards soon...
=> as for today... my choice is high yield stock for me
=> as for future... i will keep my $$ in stock... switch to property if there is opportunity... timing to get into property is crucial...
hi ms kelly. wat biz do u want to run? the success rate to do biz using self funding + 'free money' depend very much on the biz u want to do. for tuition centre, wat so special abt urs? barrier of entry etc need to consider too.
as for stock investment, i believe we are all in the same boat. trading make peanuts unless u can resist the temptation to sell, even for big profits.
well i am current school teacher..
i hold NIE cert...
with many years of teaching in school and tutoring .....
Wow.. xiaomei is highly educated and got good job wor....
hi ms kelly. wat biz do u want to run? the success rate to do biz using self funding + 'free money' depend very much on the biz u want to do. for tuition centre, wat so special abt urs? barrier of entry etc need to consider too.
as for stock investment, i believe we are all in the same boat. trading make peanuts unless u can resist the temptation to sell, even for big profits.
well i am current school teacher..
i hold NIE cert...
with many years of teaching in school and tutoring .....
hi ms kelly. wat biz do u want to run? the success rate to do biz using self funding + 'free money' depend very much on the biz u want to do. for tuition centre, wat so special abt urs? barrier of entry etc need to consider too.
as for stock investment, i believe we are all in the same boat. trading make peanuts unless u can resist the temptation to sell, even for big profits.
IMO, if you want high yield, some capital protection, + no equity raising, go for First-Reit (~11%) now. avoid all Shipping trusts...
thanks Ikan, my equities was 240k now left 200k abt -40k paper lost... do you think i should hold on to recover or switch all or some to high yield, any advice for me? when is the best time to load high yield stock?
do you also hold equities? or all your money you invest in high yield?
i think no point for you to switch to high yield lah!... me cannot trade type so all put inside high-yield...
you in stock market 1/2 year earlier than me... i came in somewhere during the 2007 peak...i remember both of us lost jialat jialat 1-2 years back...
i'm still holding paper loss of about 35-40K... (total amt dump in as 296K)... but my dividends collect is also about 35-40K... => offset my paper loss
i belif if you were not in those very speculative counters like jade... you should have recovered all loss by now...
look like we're in same boat but you better, me again went speculative sinomem loaded high 50 lots 0.72 now 0.475 lost abt -12k .. i think i'm like you cannot trade type better put in high dividend, but for now i think my goal is to double or save up to 500k then i switch to high dividend like you, if you've 500k would you continue high dividende or buy property and collect rental?
IMO, if you want high yield, some capital protection, + no equity raising, go for First-Reit (~11%) now. avoid all Shipping trusts...
thanks Ikan, my equities was 240k now left 200k abt -40k paper lost... do you think i should hold on to recover or switch all or some to high yield, any advice for me? when is the best time to load high yield stock?
do you also hold equities? or all your money you invest in high yield?
i think no point for you to switch to high yield lah!... me cannot trade type so all put inside high-yield...
you in stock market 1/2 year earlier than me... i came in somewhere during the 2007 peak...i remember both of us lost jialat jialat 1-2 years back...
i'm still holding paper loss of about 35-40K... (total amt dump in as 296K)... but my dividends collect is also about 35-40K... => offset my paper loss
i belif if you were not in those very speculative counters like jade... you should have recovered all loss by now...
All times are GMT + 8 Hours Goto page 1, 2, 3, 4Next
Page 1 of 4
You cannot post new topics in this forum You cannot reply to topics in this forum You cannot edit your posts in this forum You cannot delete your posts in this forum You cannot vote in polls in this forum
FAQ
Search
Memberlist
Usergroups
Register
Profile
Log in to check your private messages
Log in
... i always treat those as con guys... 