er.. U weren't "around" to witness 2008/2009?
U know - Subprime kablooey causing credit crunch causing banks to NOT TRUST each other causing a whole hot of kaka in the world (amongst other things).

Hey, that was just about 3 to 4 years ago wor.

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Added on August 14, 2012, 3:12 pmheheh - don't scare newbie lar FunnyBone
Even SGREITs' volatility doesn't go 90% belly up (thus far) i think heheh.

This post has been edited by wongmunkeong: Aug 14 2012, 03:12 PM

that's 75% drop ONLY mar hehehe not 90% like what FunnyBone poked

alo bro.
repeat after moi... STOCK MARKET PRICE <> REAL VALUE
stock market price = willing buyer/seller - it's a HUGE bid/offer stage
it can have NOTHING to do with reality and fundamental values.

Thank gawd else how to buy value heheh... coz i suck at trading

This post has been edited by wongmunkeong: Aug 14 2012, 04:08 PM

Just "seefood" here hehe, no sifu. Hope the below helps

Take $1K *12 months = $12K
Then divide $12K by your investments' average compounded pa % returns

eg. i expect my total investments' (FD, Bonds, Stocks, REITs, Properties, Gold, etc.) average compounded returns to be 8%pa
thus, $12k/8% = $150K

If U plonk all in FD, U'd need like $12K / 4% = $300K in FD
Oki dokie?

System auto-censor mar - coz can mean a certain part of a male's anatomy

I'm waiting for uncles and aunties to talk about REITs.. then LARI (a bit lar, ie. take 5% to 8% off the MY REITs table) hehe

Balls of steel or just hungry for a feast of DY% (how to ignore those numbers - at the very least, start nibbling if not sai-lang in )

Hey there ConstantLove,

Just a PoV ar - pls keep in mind that the stock market is like a "big auction house" - with thousands/millions of people bidding to buy and offering to sell.
The transacted price / "price done" is where bidder and offerer agrees on.
Thus, it is NOT an exact science where IF a stock's ex-dividend, it will fall.

It TENDS to fall coz, logically & fundamentally, the company just ejected a bunch of $ to cum-div stock holders, thus the ex-dividend stock value should be lower.
eg. stock cum div = $1, dividend $0.10, thus if simple exact maths, the stock value should drop to $0.90 ex-div
This happens for sure only in mutual funds, where the NAV isn't based on bid/offer of a free market, but based on maths.
However, for stocks in an open bid/offer market, anything can happen.

In an open bid/offer auction market, the $ agreed/transacted can be ANYTHING (theoretically), and can be far removed from the company's business reality.

Just a PoV to try and put things in perspective. The gurus/sifus in LYN may have a better example than my simplified version of "big auction".

This post has been edited by wongmunkeong: Aug 17 2012, 09:51 PM

er.. U are using your own CDS a/c or a "trust nominee" a/c?
I'm on "trust nominee" a/c and they do call me, even for my SGX rights issue / dividend re-investments.
May be different for own CDS a/c gua, IF lar U are on that.

At least fish - i'm just a plankton
Anyhow, better call them and ask for a logical solution. They owe U at least that.
Thus far, i've not had issues with HLeB er.. your's HLB or HLeB heheh - sorry ar.