anyone from here tried buying?
i am considering the SPDR® STI ETF (SGX:ES3)

Which one can consider STI ETF or Nikko STI ETF?

Hi,

I read the article above and it talked about returns over 10 years with and also without dividends computed. Just curious how are the dividends for these ETFs paid out or are they paid out at all? If not, they must be retained by the ETF and ultimately reflected in NAV? If so, then the index or the share price itself already price in total returns for 10 years right? Why is there a need to calculate "with dividends" returns separately?

Thanks

Some analyst say if interest rate increase, that means investor will shift their funds from stock to money market since return is better with higher interest. So stock will come down

Some analyst say if interest rate increase, that means the economy is good, confident restored, business will improve. So stock will go up

That is how the analysts work. On their table there are a few standard answers. When market close, depending on the market direction, they pick the answer most suitable to describe the day 

the M'sians are putting into SG / US instruments...

the S'reans are puttinging into US instruments...

Basic investing.. always invest into countries that Currency is higher.. .right?

'Singapore's Q4 economy grew by 9.1%'

Reported by Bloomberg this morning,....

 

Maybe some are.
In fact i think those in business are always finding ways, and of course those who songlap.

Millionaire in MYR is nothing to shout about nowadays.

I haven't heard of investor who made it big by saving the brokerage costs 

When a person gets petty, he won't be a good investor

BUT BUT Msian brokers wanna charge me 0.1% local plus 0.6% foreign brokerage.

Compare that with my SG broker at 0.3 to 0.4%............. 

property best investment?? i am liquidating from property to put into SHARE market.

Too tedious managing tenants.!!!

That's right, bro,....    So,... need to be very careful reading all this misleading statements from the Msian press.

Nah. Not sure. But I do know that I answered back to which gets me into trouble sometimes. I don't take yes always.
Have a few friends. Some close, some normal. For those normal, I rather get out of their way as they are YOLO type of people. Free flow alcohol every weekend. Birthdays/Christmas/CNY celebration min must spend RM100/person. Road trip, min RM300-RM700. These YOLO people are those I mentioned at the end of the month no money.

My close friends are people who I can click with (not those YOLO fellas). Peer pressure of course got. But see how you resist lo. After a while those YOLO people ignore me (we are still friends and still talk) as they cannot ajak me for trips/drinks/birthday celebrations (too expensive, can't afford it). I join my other close friends for cheap trips. I have my priorities. Get a degree, don't spend too much (it's ok to spend on healthy food), come back safe and sound.

For me, I feel happier with a fat bank account rather than drinks and unnecessary celebrations. For me alcohol drinks/junk food/smoking/spending money on girls (unless is my wife. I have no problem spending on future my wife if is reasonable. Not until extend of Hermes, blink blink  ) are wasting money. Why bother to pay for something which is poisoning you slowly? It just doesn't make sense. Eg. Buying a bottle of liquor vs buying a raw salmon meat. Better I buy the salmon meat to myself a 5 star meal than getting high on alcohol. Nice to eat some more.

Actually it all depends on how one is bought up . I was bought up to be frugal to know that money is hard to come by. Cannot simply waste. Health is wealth. If you are healthy, you can enjoy your money. No point, partying now, smoking, drinking and be bed ridden/full of sickness when you retire.

I didn't realize Singapore wants to reimpose wealth tax...

https://www.businesstimes.com.sg/banking-fi...s-as-wealth-hub

Unlikely merger given the Clob saga haha.

https://sias.org.sg/latest-updates/dont-let...bber-you-again/

https://www.singaporememory.sg/contents/SMA...98-35b268e0ab4d

Have been thinking about this bro.

Your statement is only true if:

MY retirement inflation rate < SGD/MYR appreciation rate + SG retirement inflation rate 

So it kind of depends on your retirement spendings and also the rate at which BNM prints money.

Sure, bro,... which ctry is that ? 

Please allow me to introduce you guys a new term in high finance: "Singapore-washing".