Risk N Returns

Personal Finance and Investment Ideas

Archives for March 2018

Personal tax planning 4 – bringing it all together

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Welcome to the final part of my basic personal income tax planning series! In this series of posts I hope to cover the following topics: Tax reliefsCPF Cash Top UpSupplementary Retirement Scheme (SRS)Bringing it all together - How to best utilise these reliefs to your advantage In this part, I will cover the considerations and general strategy I use to mitigate my … [Read more...] about Personal tax planning 4 – bringing it all together

The curious case of the Spotify direct listing

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Once in a while, unusual and fascinating things happen in the financial markets. Spotify, a popular music streaming company, filing for a direct listing (instead of a traditional IPO) of its shares on the NYSE certainly qualifies. Given the uniqueness of this listing, I shall disregard my usual "An Unbalanced View" format for IPOs in favour of a more deep dive … [Read more...] about The curious case of the Spotify direct listing

Personal tax planning 3: Supplementary Retirement Scheme

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Welcome to part 3 of my basic personal income tax planning series! In this series of posts I hope to cover the following topics: Tax reliefsCPF Cash Top UpSupplementary Retirement Scheme (SRS)Bringing it all together - How to best utilise these reliefs to your advantage In this part, I will cover how contributing to your SRS account can be used as a tool to mitigate your … [Read more...] about Personal tax planning 3: Supplementary Retirement Scheme

An Unbalanced View: Ayondo Ltd

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It's been a while since a SGX IPO caught my eye as most SGX IPOs are, honestly, pretty boring (Yet another REIT IPO anybody? No?) So when you hear of a fintech company filing to list here (which is pretty rare), you just gotta dive into it. Here's An Unbalanced View of Ayondo Ltd. Ayon-who? Ayondo Ltd is a fintech company headquartered in Germany. It is looking … [Read more...] about An Unbalanced View: Ayondo Ltd

Recent moves: Amazon.com, Starhill Global REIT

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Recently, I made some adjustments to my portfolio - I swapped out part of my Google position into Amazon.com; and bought into Starhill Global REIT. Am I breaking up with Google? Isn't Amazon.com's valuation insane? Isn't Starhill Global REIT's DPU falling?  Here are my thoughts. Amazon.com Amazon (NASDAQ: AMZN) has been one of those stocks that I've been eyeing … [Read more...] about Recent moves: Amazon.com, Starhill Global REIT

Personal tax planning 1: Tax reliefs

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Welcome to my basic personal income tax planning series! In this series of posts I hope to cover the following topics: Tax reliefsCPF Cash Top UpSupplementary Retirement SchemeBringing it all together - How to best utilise these reliefs to your advantage This series of posts assumes that you understand the basic concepts of income tax and personal reliefs as well as the … [Read more...] about Personal tax planning 1: Tax reliefs

It’s tax season!

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Not rabbit or duck season It's March, so it's that time of the year again to file your taxes. If you are currently employed, your income tax information is likely to have already been filed by your employer. All you need to do is check through the form B1 on IRAS myTax Portal and make any adjustments necessary (personal tax reliefs, non-employee income, etc). If you … [Read more...] about It’s tax season!

Portfolio @ February 2018

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It's the end of a topsy turvy month so it's time to take stock! Performance Indicators / Dividends YTD Time weighted Return: 3.03%Dividends collected: $244.20Upcoming Dividend Receipts: Keppel Corporation: $322 Commentary Market volatility brought about a correction in early February, prompting me to put more capital to work this month as seen … [Read more...] about Portfolio @ February 2018