May 2020 updates

Hi friends,  Hope that you guys are holding up well during this circuit breaker period. I wish that all of you are safe and that your incomes are not affected that badly. But, good news, I have managed to find a new internship. This should allow me to tide over until school starts again. Also, another good news, I have managed to get a professor for my Final Year Project (FYP).  Let's...

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Finance 101: What is a Mutual Fund/ Unit Trust?

Hi friends,  Today, I will be talking about Mutual Funds (MFs)/ Unit Trusts (UTs). It is effectively own a pool of stock managed by a fund manager.  By definition: A mutual fund is a type of financial vehicle made up of a pool of money collected from many investors to invest in securities...

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Finance 101: What is a REIT?

Hi friends, I shall be talking about something that is considered safe and value would never fall in a country with a limited supply of land: Properties, more specifically; Real Estate Investment Trusts (REITs): A real estate investment trust (REIT) is a company that owns, operates, or finances income-generating...

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Fundamental Analysis: Using PE and PEG ratio to gauge an ETF

Hi friends,  As most of you can tell from my writing, I am a firm believer of passive investing. I believe in it as I do not have the skills nor the time to pick the correct stocks to beat the market. However, recently, I have been reading quite a bit of using the P/E (Price-to-earnings ratio)...

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Finance 101: What is an Insurance?

Hi friends,  In the 3rd part of my Finance 101 series, I shall be talking about insurance. Oh, I would like to reiterate that I do not receive any commission or money from any financial institutions for my post. I am also not a financial agent or a financial consultant. I do not sell any products/...

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Mid April Update: Importance of emergency funds and a financial framework

Hi friends,  I just needed an update: My internship was terminated due to the Corona Pandemic and my side hustle got halted also because of the pandemic. I have definitely lost >80% of my normal monthly income. Sad to say, most of my family members are also experiencing the same problem.  I...

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Finance 101: What is a stock?

Hi friends,  Today I will be talking about stocks. No. Not chicken stocks. I'm talking about owning a portion of a company that you believe will do well over time. That portion would be called a stock/share. By definition: A stock (also known as "shares" or "equity") is a type of security...

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