What does 1 lot of 100 units means to Retailer?

This post is related to the article posted below. http://www.straitstimes.com/news/business/markets/story/sgx-prepares-market-smaller-lot-size-20150113 Taking UOB EOD on 14/01/2014. If we look at market depth now.

When 1 lot is 1000 unit, buyQ 10 lot at 23.23 sellQ 31 lot at 23.34

When 100 unit kicks in, it should be

buyQ 100 lot at 23.23 sellQ 310 lot at 23.34

The buy up at $23.33 for 1 lot wll be 100unit * $23.33 = $2333 + $0.9332 (0.04%) + min amt $20 = $2353.93 but you only get $2333 in your CDP account.

You will need UOB to be selling at $23.76 to merely break even with positive $1.11 less expenses from total cost of  $2353.93 .

Look at the market depth again, I have to add in 23.55 myself for illustration and 23.54 will have 70lot waiting to be clear to even see 23.76 The above calculation means, for retailer who buy in small lot TO TRADE, it will take quite a distance to see profit. Is it really feasible for trading? You have the answer to yourself.

How about people who are doing long term investing? In this case, we will need a different mindset. You will want your money to work for you by compounding the dividend back into your investment. Your main concern will not be how long and at what price to break even. BUT buying at an EXPENSIVE PRICE would be a mistake mainly because what you compounded might not exceed your loss. So when it comes to investing, Always Buy at a Bargain. To make the illustration simple, Let's said UOB give a consistent dividend yield of 2.964% and the investor have decided to let the money grow for 10 years with $2333 worth of units in the CDP account.
**To be honest, 2% cannot fight inflation so please don't buy UOB because of an example I shown.   I choose UOB because it was discussed in a FaceBook post.

After 10 years, the investor will get an ESTIMATED return of 34% return less expenses from the above illustration. This illustration return does not include any capital appreciation (if any).

This  illustration is consider a profit ONLY if at the time you decided to cash out, there is no losses in your position.

At the end of this article, you will understand the smaller lot size is usually not suitable for people to trade but more for people who have a long term investment plan. Invest Safely Everyone! Another Good Deed Done.

My views on Keppel Corp

My views on Keppel Corp and I am bearish bias.

Even though Keppel secures contract to perform second FLNG vessel conversion for Golar on 31st Dec, it is still closely related to oil prices fluctuation.

At $8.35 the dividend yield is around 4.7%

The marco event that cause the downside this time is oil so naturally Keppel Corp is affected badly.

The last upside is based on share buy back by management and one sub stantial share holder Temasek Holdings.

From jan 2015, there isn't any more share buy back activities.

So naturally, when the negative news come the price came lower.

Will it slide further?

Yes, if oil price keep going south. Small nibble by investor will not push up the price.

After this gap down, it will shake off any non-investors if there is any.

I have hope for 19th jan 100 lot size to come in play to inject liquidity into blue chips.

will keppel be one of the selected one? 

Chances are high as long as oil does not drift further south. 

Always know what you are investing in and why you invest into it with a good yield and you will have peace of mind.

HDB Loan Eligibility (HLE)

One must know the big picture of the loan and do a projection to know how long and how much to pay.

https://www.hdb.gov.sg/fi10/fi10321p.nsf/w/HLHDBWhat?OpenDocument

my views on ST Engineering

my views on ST Engineering

Hammer in the chart at the lowest low is formed by Share Buy Back on 17th Dec 2014 after the attempt on 16th Dec is a failure from Strong Selling.

The final 3rd white soldier is formed with Share Buy Back on 19th Dec.

23rd Dec comes another Share Buy Back which coincides with T+3.

30th Dec Disposal of 1,117,000 shares Shares by Capital Research and Management Company ("CRMC"). which is announced on 31st Dec. Half Day Trading.

2nd Jan 2015 another Share Buy Back to form the price action above the support zone of 3.34 - 3.38

In terms of Fundamental, if QR 4th result is good, it will bring investor into ST Eng.

Why did Capital Research and Management Company ("CRMC"). cash out might be a sign not to ignore. Your guess is as good as my guess.

TA wise, the chart does show more bull then bear but read above again.

is the buy back sustainable?

Will marco issue brings fear and sell off?

Too much guessing here.

I projected both the short term upside and downside and we are currently in a downtrend channel.

Understand the whole picture and decide for yourself what to do with your money.

Trade and Invest Safely Everyone!

Some post are money driven.....

While I was drinking kopi at StarBucks, I read something quite disturbing.

Read a post which ask People to buy ticket to hear about how investment can get good return and is a guide to guide their off Spring with investment knowledge?

And the last part, when people try to add you but your account is full, they will be asked to follow you. You don't really have to prompt them to.

I thought the post make sense since it was share by a nice guy in my friend list.

In fact what was posted by my friend is better then the Content shared.

First of all.

I totally disagree with

"By the way, don't expect your children to take care of you and your spouse during your winter years because most of them (with the same old mindset about money) can't even take care of themselves and their own families financially due to raising cost of living and inflation!"

post.

Second i am not against any party but stating merely facts.

1. A child should be filial to their parent whether they are rich a not.

Yes. There are many struggling cases but those are the most filial among us compare to those who just use money to pay back to their parents.

2. By teaching your child to work for money is guiding them to ask you to work for money if you wanted money when you are dependent of them. Don't believe? Use his method and you will know.

THE CORRECT APPROACH is to lead by example.

One must be filial in the first place to expect their off spring to be filial. In the end, whether they are filial a not is pre-destined but you did your part to be a good example.

3. Guidance by word is never as effective. I have a friend who bring his children back to the old folk home which his dad used to stay and even do services for the old folks there after his dad passed away.

No money is gained for this but contributed. This is the correct culture.

And why his dad is living in the old folks home if he is filial? Every family have their story.

I even heard of people leaving their old dementia parent in johor and came back to SG themselves.  Compare this.

4. Teaching your child to be savvy in investment should never come first.

What parent should teach them is to focus on attaining all basic needs

(i) Family Planning
(ii) Career/Consistent income should come first rather then investing.
It should be Saving!
(iii) Property Purchasing, buy what you need and not what you want
(iv) Insurance. Minimum H & S Policy

The market is a cruel place. If you enter at the wrong timing, be it investing or trading, you will see red in your account.

With Good Saving Amount, even if you get a 4% yield return from your wrong timing of investment, you are still doing better then others!

By learning to invest and not getting the FOUR points attained, you will never be able to climb up if you actually fall.

Investing or Trading give people a false scenario that they will be better then others, yet it is those who practice the simple method of the above Four points that have a better control of their life.

Lastly, many post are money driven. I am disappointed the intention of the post is not to remind parents to lead by example to their children about filial piety.

Rather it is to induce parent to pay and receive training material after hearing successful stories. Trust me, these training material are just stage one of a paying process.

If you want people to buy ticket to attend your event, why not be straight forward about it rather then giving the wrong signal by preying on their needs to guide their off spring?