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30 November 2016

 

Trades

DBS GROUP HLDGS LTD reduced 17.60
UNITED OVERSEAS BANK LTD sold 20.46, no more.

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29 November 2016

 

熊市陷阱 牛市陷阱

熊市陷阱

目的是MM想要你的shares。俗称“洗盘”。英文:shake out。先打压后拉升。打压,股价“跌破支撑”,吓得小散赶紧卖,赶紧套。你卖他吸,没收你的shares,然后股价大涨了。你没戏了。已经卖给MM了。

对策:如果被洗掉了,不妨买回来;如果没有股,不妨跟上MM的步调,发现这种大跌之后很快又拉升的股,买进。之前的大跌不过是“虚惊一场”。

牛市陷阱

目的是MM想要出货。先拉后抛。造成股价要大涨的假象。俗称“假突破”。小散高高兴兴地买入,做发财梦,却接到最后一棒,买下了MM逃跑的盘。在高位站岗。。。

对策:股价突破后又退下突破线,突破的涨幅丧失殆尽,最好不要在心存幻想,先撤下来,避免更大损失。刚一突破就买,可能买到真突破,也可能买到假突破。等突破走稳,确定突破为真再买,虽然贵了一点,但胜率也更高一下。或者,等突破经历过回撤的检验再买入。

总之:股市多变,炒家也要灵活,多准备几套方案,不能一根筋。

 

Trades

DBS GROUP HLDGS LTD reduced 17.32
UNITED OVERSEAS BANK LTD reduced 20.08

DOG: PROSHARES SHORT DOW30 added 19.72
SH: PROSHARES SHORT S&P500 added 37.13

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28 November 2016

 

Supplementary Retirement Scheme (SRS)

BY SHAWN LEE


It is the time of the year when the focus is on SRS again as the deadline for contributing to SRS draws closer.

Despite the benefits that come with the Supplementary Retirement Scheme (SRS), it is often overlooked as some find it difficult to understand how the scheme works.

In a snapshot, the SRS is a voluntary scheme to encourage us to save for retirement, over and above our CPF savings. Each dollar of SRS contribution will reduce our income chargeable to tax by a dollar in the next Year of Assessment (YA). In addition, only 50% of the withdrawals from SRS are taxable after retirement age and investment gains in SRS accumulate tax-free before withdrawal.



How can we benefit from SRS?
We illustrate using an example.


SRS chart

Enjoy Tax Savings

Assuming you have a taxable income of $72,000 before tax-relief from SRS,
Tax payable on $72,000 = $550 (on first $40,000)* + $2240 (7% X $32,000)*
= $2,790

If you contribute $15,300 in SRS by 31st December 2016, you can claim $15,300 of tax relief in the Year of Assessment (YA) 2017.
Your taxable income would be= $72,000 - $15,300 (tax relief enjoyed) = $56,700
Tax payable on $56,700 = $550 (on first $40,000)* + $1169 (7% X $16,700)*
= $1,719

Your tax savings with SRS = $2790-$1719 = $1,071

To calculate how much tax savings you enjoy by contributing to SRS, use this useful calculator by OCBC here.
*Based on IRAS’ current income tax rates and brackets

At retirement age, you can spread withdrawals from SRS for up to 10 years.
If you have saved $400,000 in SRS at age 62, you can withdraw $40,000 each year over 10 years. Since 50% of withdrawals are not taxable with SRS, only $20,000 (50% x $40,000) is taxable.

Based on current tax rates, the first $20,000 is not taxable and hence you do not have to pay any taxes if you have no additional income.



Important Pointers about SRS

There are some key areas about contributing and withdrawing from your SRS account that would be useful for you to know if you are considering to make use of it.

SRS Contributions
The current cap of contribution to SRS each year for Singaporeans and PRs is $15,300. All SRS contributions must be made in cash and contributions can be made any time and any number of times in a year before 31 December each year to enjoy tax reliefs in the Year of Assessment (YA) the next year.

SRS Withdrawals

Withdrawal after reaching statutory retirement age** (currently 62) or on medical grounds/death:

Withdrawal before reaching statutory retirement age** or in other situations:

50% of these withdrawals will be tax-exempt in the Year of Assessment (YA) following the year of withdrawal.

100% of these withdrawals will be subjected to tax

From the first withdrawal, you will have up to 10 years to withdraw the full amount. You may withdraw as many times as you wish without any penalty.



5% premature withdrawal penalty on the sum withdrawn will be imposed, unless withdrawal is made under exceptional circumstances

No further contributions to SRS is allowed after the 1st withdrawal is made.

Further contributions to SRS is still allowed


**Retirement age is defined as statutory retirement age that was prevailing when you made your first SRS contribution (currently age 62).

Since SRS is a scheme to encourage us to save for retirement, you will notice there are benefits when withdrawing after reaching retirement age and penalties imposed for withdrawals before retirement age. It is important that you withdraw from our SRS account only when you have reached retirement scheme if you intend on contribute to SRS.



How can I get started?

If you are keen to enjoy tax-savings using SRS, it is not difficult. Here are the steps to get started:
Step 1:

Open a SRS account with DBS, OCBC or UOB and contribute cash to your SRS account.
Step 2:

You can invest your SRS in shares, bonds, unit trusts, fixed deposits and insurance products from financial institutions to gain a better return on your monies contributed into your SRS account. Monies left in SRS account earn an interest of 0.05% p.a currently as offered by the 3 banks.
Step 3:

IRAS will grant the tax relief to you automatically in the year following the year of contribution provided, based on information provided by the SRS operators.

I hope this article has been useful for you to understand SRS better. In Part Two of our feature on SRS, my colleague shares more about options you can consider to grow your SRS Savings. As we draw nearer to the end of the year, here’s a gentle reminder for us to contribute to our SRS by 31st December 2016 to enjoy tax relief in Year of Assessment (YA) 2017.

To compare and learn more about using your SRS with retirement income products through DIYInsurance, click here. For advice on SRS, please contact us at enquiry@diyinsurance.com.sg


Useful sources:
Ministry of Finance: SRS E-booklet and Details about SRS

SRS reduces your taxable income by the same amount contributed to your SRS account. The contribution cap per years is S$15,300 for Singaporeans and PRs.

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Trades

SIA ENGINEERING added 3.36

UNITED OVERSEAS BANK LTD reduced 20.01
DBS GROUP HLDGS LTD reduced 17.08

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25 November 2016

 

Trades (25 Nov 2016)

SIA ENGINEERING added 3.37
FRASERS HOSPITALITY TRUST STAPLED UNITS (REIT) added .63
SPH REIT added .94

UNITED OVERSEAS BANK LTD reduced 19.97
DBS GROUP HLDGS LTD reduced 16.83

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Trades (24 Nov 2016)

FRASERS HOSPITALITY TRUST STAPLED UNITS (REIT) added .635
PARKWAY LIFE REAL ESTATE INVEST TST (REIT) added 2.37
MAPLETREE GREATER CHINA COMM TRUST added .945
COMFORTDELGRO CORPORATION added 2.39
SIA ENGINEERING added 3.40
CAPITALAND COMMERCIAL TRUST added 1.465
SPH REIT added .94

UNITED OVERSEAS BANK LTD reduced 19.96
DBS GROUP HLDGS LTD reduced 16.74

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Trades (23 Nov 2016)

SPH REIT added .94
PARKWAY LIFE REAL ESTATE INVEST TST (REIT) added 2.37
CAPITALAND COMMERCIAL TRUST (REIT) added 1.455/1.460/1.465
MAPLETREE INDUSTRIAL TRUST (REIT) added 1.54
SIA ENGINEERING added 3.40
MAPLETREE GREATER CHINA COMM TRUST added .945

DBS GROUP HLDGS LTD reduced 16.60

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22 November 2016

 

Trades

SIA ENGINEERING added 3.41
PARKWAY LIFE REAL ESTATE INVEST TST (REIT) bought 2.38
MAPLETREE GREATER CHINA COMM TRUST added 0.94
MAPLETREE COMMERCIAL TRUST added 1.385
SPH REIT added 0.94
SOILBUILD BUSINESS SPACE REIT added 0.64
MAPLETREE INDUSTRIAL TRUST bought 1.57
DBS GROUP HLDGS LTD reduced 16.50

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18 November 2016

 

Trades

FRASERS HOSPITALITY TRUST STAPLED UNITS (REIT) added 0.65
STARHUB added 2.95

DBS GROUP HLDGS LTD reduced 16.47

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17 November 2016

 

Trades

SIA ENGINEERING added 3.41
STARHUB added 2.98
COMFORTDELGRO CORPORATION added 2.41
CAPITALAND RETAIL CHINA TRUST added 1.36
STARHILL GLOBAL REAL ESTATE INV TST (REIT) added 0.75

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16 November 2016

 

Trades

SIA ENGINEERING added 3.43
IPS SECUREX HOLDINGS LIMITED (POST-SPLIT) bought 0.158

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15 November 2016

 

Trades

BYJ PHIL AP DIV REIT S$D bought 1.20

SIA ENGINEERING added 3.43
STARHUB LTD added 3.00
COMFORTDELGRO CORPORATION added 2.40
CAPITALAND RETAIL CHINA TRUST (REIT) added 1.355
STARHILL GLOBAL REAL ESTATE INV TST (REIT) added 0.74
CAPITALAND MALL TRUST (REIT) added 1.895
SUNTEC REAL ESTATE INVESTMENT TRUST (REIT) added 1.58
MAPLETREE GREATER CHINA COMM TRUST added 0.945

SCHW short position stopped out 36.4995

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14 November 2016

 

Trades

SOILBUILD BUSINESS SPACE REIT (REIT) bought 0.65
CAPITALAND RETAIL CHINA TRUST (REIT) added 1.39
STARHILL GLOBAL REAL ESTATE INV TST (REIT) added 0.76
COMFORTDELGRO CORPORATION added 2.45
SIA ENGINEERING added 3.46
MAPLETREE GREATER CHINA COMM TRUST added 0.97
CAPITALAND MALL TRUST added 1.94
STARHUB LTD added 3.06

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12 November 2016

 

Trades

SINGAPORE EXCHANGE added 7.08
MAPLETREE GREATER CHINA COMM TRUST added 0.98
SIA ENGINEERING CO added 3.48
STARHILL GLOBAL REAL ESTATE INV TST (REIT) added 0.77
M1 LIMITED added 2.07
COMFORTDELGRO CORPORATION added 2.46
KEPPEL TELECOM & TRANSPORTATION added 1.70
SUNTEC REAL ESTATE INVESTMENT TRUST (REIT) bought 1.64
CAPITALAND RETAIL CHINA TRUST (REIT) added 1.42
STARHUB LTD added 3.12
CAPITALAND MALL TRUST (REIT) added 1.985

ETFC short position stopped out at 31.98

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10 November 2016

 

Trades

ZION stopped out 33.55

SIA ENGINEERING CO added 3.50
MAPLETREE GREATER CHINA COMM TRUST added 1.00
CITY DEVELOPMENTS added 8.30

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09 November 2016

 

Trades

MAPLETREE GREATER CHINA COMM TRUST added 1.005
SIA ENGINEERING bought 3.51
CITY DEVELOPMENTS added 8.48
SINGAPORE TECHNOLOGIES ENGINEERING added 3.07
HO BEE LAND LTD added 2.11
SINGAPORE EXCHANGE added 7.01
M1 LIMITED added 2.08
STARHUB LTD added 3.17
COMFORTDELGRO CORPORATION added 2.50
CAPITALAND RETAIL CHINA TRUST (REIT) added 1.445
KEPPEL TELECOM & TRANSPORTATION added 1.715

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Trades

MAPLETREE GREATER CHINA COMM TRUST added 1.005
SIA ENGINEERING bought 3.51
CITY DEVELOPMENTS added 8.48
SINGAPORE TECHNOLOGIES ENGINEERING added 3.07
HO BEE LAND LTD added 2.11
SINGAPORE EXCHANGE added 7.01
M1 LIMITED added 2.08
STARHUB LTD added 3.17
COMFORTDELGRO CORPORATION added 2.50
CAPITALAND RETAIL CHINA TRUST (REIT) added 1.445
KEPPEL TELECOM & TRANSPORTATION added 1.715

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Trades

HO BEE LAND LTD added 2.12
UNITED ENGINEERS LIMITED sold 2.68 with profit, no more

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07 November 2016

 

Trade

HO BEE LAND LTD added 2.12

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06 November 2016

 
值得一提的是,美股本身的走势从历史对比来看,似乎也在昭示美国大选的变化。过去三个月内,标普500指数录得4.5%的跌幅。而从1928年以来,股市在大选前的表现就与执政党候选人和“挑战者”候选人之间的赢家有比较密切的关联。具体来看,股市上涨意味着大概率执政党将“连续坐庄”,股市下跌则意味着在执政党失败的概率较大。除了1956、1968和1980外,这一特征均得到了体现,准确率高达86.4%。

智库布鲁金斯学会的研究则预计,若希拉里赢得大选,标准普尔500指数将上涨12%。市场的波动性降低15%-30%,美国国债收益率将提升25个基点,油价每桶将上涨4美元。若特朗普当选,将令美欧亚国家股市下跌10%至15%,原油下跌4美元,墨西哥比索暴跌25%,市场波动性激增

04 November 2016

 

Trades

OUE LIMITED added 1.705
CITY DEVELOPMENTS added 8.51
HO BEE LAND LTD added 2.12
SPH REIT UNITS added 0.97
KEPPEL TELECOM & TRANSPORTATION bought 1.72
M1 LIMITED added 2.06
SINGAPORE EXCHANGE added 7.02
COMFORTDELGRO CORPORATION added 2.52
SINGAPORE TECHNOLOGIES ENGINEERING added 3.07
CAPITALAND RETAIL CHINA TRUST (REIT) added 1.46
MAPLETREE GREATER CHINA COMM TRUST added 1.01
DBS GROUP HLDGS LTD added 14.91

ACI WORLDWIDE INC - short position covered with profit, well done!

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03 November 2016

 

Trades

FRASER & NEAVE added 2.09
CITY DEVELOPMENTS added 8.51
SINGAPORE TECHNOLOGIES ENGINEERING added 3.08
M1 LIMITED added 2.07
CAPITALAND RETAIL CHINA TRUST (REIT) added 1.47
DBS GROUP HLDGS LTD added 14.97
MAPLETREE GREATER CHINA COMM TRUST REGS added 1.015
HO BEE LAND LTD added 2.12
SINGAPORE EXCHANGE added 7.02

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02 November 2016

 

Trades

FRASER & NEAVE added 2.10
COMFORTDELGRO CORPORATION added 2.52
CAPITALAND RETAIL CHINA TRUST (REIT) added 1.48
OUE LIMITED added 1.69
SINGAPORE TECHNOLOGIES ENGINEERING added 3.09
DBS GROUP HLDGS LTD added 14.95
SINGAPORE EXCHANGE added 7.04
HO BEE LAND LTD added 2.12
MAPLETREE GREATER CHINA COMM TRUST REGS added 1.01
CITY DEVELOPMENTS added 8.50
OLD CHANG KEE LTD added 0.695

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01 November 2016

 

炒股多年的一些经验(价值投资)


来源: piopio

炒股这么多年,总结些经验出来,攒些rp,针对大部分散户,天才高手请绕行,你们那
套眼花缭乱的玩意我学不来,大部分人也学不来,跟了亏了也不管赔偿,只能走火入魔。

1. 无论长线还是swing,永远买那些市场上的proven winner
proven winner就是你每天衣食住行的公司,简单说,去google搜索,去amazon购
物,去wmt/cost买菜,上wechat朋友圈,goog/amzn/wmt/cost/tencent这个组合在最近
5年绝对是大大beat sp500的。诸如twtr/fit/gpro等,想都不要想。对于大部分凡夫俗
子散户来说,好股票就在你眼前,问题不是你是否可以找到好股票,而是你愿意不愿意
买的问题。

2. 未来怎样我不知道,但中钙在过去10几年绝对是国人发财的机会,但前提是你要买
好股票,一定要买业界的winner. 千万不要买在市场没有确立地位的股票,当然保守会
让你丧失诸如vips等股票,但也会让你避免yoku/renn/dang等的雪崩。 tencent/ntes/
edu/ctrp/baba是现阶段buy dip的选择

3. 任何时候不要short. short很毁心态的,心态不好不可能赢的

4. 要有耐心. “不跌不回调,我就是不买”.

5. 无论买入卖出,多看看周线图,有了新低就多等等,有了新高就多等等卖。

6. TA稍微懂点就行了。 少数天才除外,大部分散户我觉的TA就是瞎掰,看出dip不需
要TA吧.

7. option少玩,我基本只操作covered call.

8. 油金子银子等各种commodity和vix相关股票,还有3x etf不要碰。取败之道没有比
这些再捷径的了。我就想问,你们炒oil和uvxy的,有几个今年赚到了?赚到了有我紧
盯ntes/tencent挣的多吗?

9 尽量收盘时候买卖,很多时候心态坏就坏在,上午刚买,下午就跌,上午刚卖,下午
就狂涨,然后就瞎操作了。

10. FA如果不懂也没关系,参照第1条,你需要看懂它们的报表吗?

11. DT就免了,不是常人能承受的。

1,2,3,7,8其实相对好执行,就是操作对象的纪律, 有所买,有所不买。 4,5,6,9手贱
难掌握,但即使控制不好,只要基本坚守1,2,3,7,8,赢钱几率还是很大的。

炒股就是个几率问题,你要让你的行动最大可能的提高你挣钱的几率,而买好股票是最
重要的一环。我也不是遵守的完美,毕竟是人,每次我违反规定,大部分时候就会吃到
恶果,好在水平也在提高,运气也不错,恶果越吃越少。

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Trades

OLD CHANG KEE LTD bought 0.695
FRASER & NEAVE added 2.10

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