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Author: Calvin Lo

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Personal Finance

Where To Put Your Kids’ CNY Angbao Money

February 14, 2024February 14, 2024 Calvin Lo

Happy Chinese New Year of the Dragon! Whenever CNY comes around, some of my wealth transfers over to my kids via angbao. If your kids are below the age of

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Portfolio Updates

Portfolio Update January 2024 – Markets Rally But Portfolio Left Behind

February 12, 2024February 12, 2024 Calvin Lo

Markets continued to rally in Jan 2024, but our portfolios were left behind. Tesla was the huge drag on performance, followed by Apple. The rest of Big Tech is still

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Investing Stocks US Market

Tesla Q4 2023 Earnings: Tesla Is No Longer Attractive As An Electric Vehicle Manufacturer

January 26, 2024January 26, 2024 Calvin Lo

Tesla (TSLA) just reported Q4 revenue and earnings below expectations, and guided for notably lower growth rate in deliveries for 2024. Investors were understandably disappointed, sending the stock plunging by

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Portfolio Updates

Portfolio Update December 2023 – Ending the Year on a Portfolio High

January 7, 2024January 7, 2024 Calvin Lo

What a fantastic Santa rally to end 2023 on a high. The portfolio likewise benefited, hitting all-time highs as well which made the holidays even more joyous. With markets close

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Personal Finance

My CPF and SRS Strategy for 2024

January 4, 2024January 5, 2024 Calvin Lo

Every time year end comes around, I end up scrambling to figure out what to do with CPF and SRS. This year, I’m trying to plan ahead and have better

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Investing Portfolio Updates

2023 Year in Review – Portfolio Grew 74% to $306K from $176K

January 1, 2024January 1, 2024 Calvin Lo

After dropping 20% in 2023, the S&P 500 index surged 25% in 2024 and finishing 2023 at all-time highs almost exactly 2 years since the last peak around the end

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Personal Finance Singapore Market

Reducing Taxes While Saving For Retirement Through SRS Contributions

December 26, 2023December 26, 2023 Calvin Lo

As we draw closer to the end of the year, it’s a good time for us to estimate our personal income taxes and try to reduce our tax bill by

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Robo Advisors Singapore Market

Syfe Cash+ Guaranteed Review: Up to 4% Yield Fixed Rate with Multiple Term Options

December 20, 2023December 20, 2023 Calvin Lo

Syfe Cash+ Guaranteed portfolio was launched to complement the existing Cash+ portfolio (now renamed Cash+ Flexi). Update as at 20 Dec 2023: Syfe Cash+ Guaranteed offers a very attractive 4%

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Robo Advisors Singapore Market

StashAway Simple Guaranteed Review: Up To 4% Yield Cash Management Product Invested in Fixed Deposits

December 20, 2023December 20, 2023 Calvin Lo

StashAway launched a new cash management product called Simple Guaranteed on 24 April 2023. This is in addition to its 2 existing cash management products, Simple and Simple Plus. In

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house lights turned on
Properties

Why I’m Looking to Buy Property in Johor Bahru

December 18, 2023December 18, 2023 Calvin Lo

I just read an article from ST today regarding renewed interest in Johor Bahru (JB) properties from Malaysians and Singaporeans alike with progress on the Rapid Transit System (RTS) Link.

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Recent Posts

  • Portfolio Update Q3 2025 – Outperforming in a Bull Market October 11, 2025
  • Family Portfolio Touched S$600K – Lifted By The Rising Tide August 16, 2025
  • Meme Stock Mania and Market All-Time Highs – Time to Chase or Cut Back? July 26, 2025
  • Save on Dividend Withholding Taxes with UCITS ETFs Now Available on Syfe July 18, 2025
  • Getting Started on Retirement Investing for Newbies July 8, 2025
If you’re investing in stocks based mainly for its dividend yield or dividend growth, thinking that there’s a margin of safety or prices can’t go lower, I challenge you to rethink your assumptions or preconceptions about the safety of dividend stocks. 

Outline:
1. Benefits of dividend investing
2. Dangers of dividend investing
3. How to find safe dividend stocks?
4. Examples of good and bad dividend stocks

Thanks for watching! Looking forward to hearing your thoughts or comments.

DISCLAIMER :
This video is for education and entertainment purposes only, not financial advice. I am not a financial advisor, just a fellow investor sharing my random thoughts on the stock market. Remember to always do your own research and due diligence before making any investments.

**Check out my blog on personal finance and investment topics** http://financegnome.com/
Dividend investing might not be as safe as you think - benefits, dangers, dividend kings?
Many investors have been rotating into dividend and value stocks this year as growth stocks have taken a massive beating. Are you looking to buy dividend stocks? You could also consider investing into dividend ETFs.

Outline:
1. Why invest in dividend stocks/ETF?
2. Top 5 US dividend ETFs
3. SG Dividend ETF
4. Which is my favourite?

Thanks for watching! Looking forward to hearing your thoughts or comments.

Links:
https://etfdb.com/etfs/investment-style/dividend-etfs/#etfs__returns&sort_name=assets_under_management&sort_order=desc&page=1
https://phillipfunds.com/phillip-sing-income-etf/

DISCLAIMER :
This video is for education and entertainment purposes only, not financial advice. I am not a financial advisor, just a fellow investor sharing my random thoughts on the stock market. Remember to always do your own research and due diligence before making any investments.

*** Check out my blog on personal finance and investment topics : http://financegnome.com/

*** Tiger Brokers (stock broker) referral link: 
https://www.tigerbrokers.com.sg/activity/forapp/welcome/?lang=en_US&invite=FGNOME

*** Coinhako (crypto trading platform) referral link:
https://www.coinhako.com/affiliations/sign_up/178004_59269214
Best Dividend ETFs to Invest in 2022 - 5 US ETFs & 1 SG ETF
A brand new China ETF was launched on SGX on 2nd August 2021, called the Lion-OCBC Securities China Leaders ETF (SGX:YYY). 

With Chinese stocks selling at a discount, this ETF could be a great way to gain a balanced exposure to China.

In this video, I go through what this ETF is all about and share my thoughts on it. Hope this helps you decide whether this ETF can have a place in your portfolio. What do you think about this ETF?

Video outline:
1. Overview - index, holdings, performance
2. Similar funds
3. Likes & dislikes
4. My thoughts

*** Check out my blog where I share regularly on personal finance and investment topics - https://financegnome.com

*** Get your welcome gifts when you open an account with Tiger Brokers - https://www.tigerbrokers.com.sg/activity/forapp/welcome/?lang=en_US&invite=FGNOME

*** Sign up for an eToro account to trade in fractional share - https://etoro.tw/31BHx2Z

Thanks for watching!

Reference links:
More info on OCBC Securities website - https://portal.iocbc.com/products-and-solutions/etf/china-leaders-etf
More info on the underlying index Hang Seng Stock Connect China 80 Index - https://www.hsi.com.hk/eng/indexes/all-indexes/hsc80
Infographic on Stock Connect - https://www.goldmansachs.com/insights/pages/stock-connect-infographic/index.html

DISCLAIMER:
This video is for education and entertainment purposes only, not financial advice. I am not a financial advisor, just a fellow investor sharing my random thoughts on the stock market. Remember to always do your own research and due diligence before making any investments.
Lion-OCBC Securities China Leaders ETF (SGX:YYY) - Balanced Exposure to Chinese Equities
Chinese stocks have really taken a beating recently. Sentiment is extremely negative in light of a regulatory crackdown by the Chinese authorities. 

For long-term investors however, this presents a pretty interesting buying opportunity. 

Instead of buying individual Chinese stocks, investors could also consider China ETFs as a way to diversify and reduce risk. 

In this video, I’ll give a brief overview of the best China ETFs available and share my thoughts on them. 

ETFs covered:
- iShares MSCI China ETF (MCHI)
- SPDR S&P China ETF (GXC)
- iShares China Large-Cap ETF (FXI)
- Xtrackers Harvest CSI 300 China A-Shares ETF (ASHR)
- KraneShares CSI China Internet ETF (KWEB)
- Invesco China Technology ETF (CQQQ)
- Lion-OCBC Securities Hang Seng Tech ETF (SGX:HST)

Video outline:
1. Share Classes
2. ETF Characteristics
3. Risks
4. My Game Plan

#chinaetf

*** Check out my blog where I share regularly on personal finance and investment topics: http://financegnome.com/

*** Get your welcome gifts^ when you open an account with Tiger Brokers: https://www.tigerbrokers.com.sg/activity/forapp/welcome/?lang=en_US&invite=FGNOME

^ Current promotion on Tiger Brokers (9 August 2021 12:00:00 SGT - 1 September 2021 12:00:00 SGT). Subject to change.
- Upon Registration: 500 Tiger Coins
- Upon Account Opening: 60 commission-free trades within 180 days for stocks of U.S., H.K., Singapore & Australia + 5 commission-free trades for Futures within 30 days
- Upon First Deposit ≥ SGD 2,000: 1 free Apple (NASDAQ: AAPL) share + stock voucher of SGD 5 (for Singapore stocks only)

*** Sign up for an eToro account to trade in fractional shares - https://etoro.tw/31BHx2Z

Reference links:
Share classes - https://www.ubs.com/se/en/asset-management/distribution-partners/insights/china/accessing-china/china-market-terminology.html
ETF list - https://etfdb.com/etfs/country/china/#etfs__returns&sort_name=assets_under_management&sort_order=desc&page=1
HST - https://portal.iocbc.com/products-and-solutions/etf/lgi-ocbc-hang-seng-tech.page

Thanks for watching!

DISCLAIMER:
This video is for education and entertainment purposes only, not financial advice. I am not a financial advisor, just a fellow investor sharing my random thoughts on the stock market. Remember to always do your own research and due diligence before making any investments.
Best China ETFs to Buy in 2021 - Chinese Stock Market Crash
Rapid adoption of the latest technologies in China has led to a boom in Chinese technology companies. 

Is the Lion-OCBC Securities Hang Seng Tech ETF (SGX:HST) the ETF to invest in to ride the Chinese technology wave?

In this video, I share my research, my thoughts, and whether I'll be investing in this ETF.

Thank you for watching!

*** Get your welcome gifts^ when you open an account with Tiger Brokers: https://www.tigerbrokers.com.sg/activity/forapp/welcome/?lang=en_US&invite=FGNOME

^ Current promotion on Tiger Brokers (9 August 2021 12:00:00 SGT - 1 September 2021 12:00:00 SGT). Subject to change.
- Upon Registration: 500 Tiger Coins
- Upon Account Opening: 60 commission-free trades within 180 days for stocks of U.S., H.K., Singapore & Australia + 5 commission-free trades for Futures within 30 days
- Upon First Deposit ≥ SGD 2,000: 1 free Apple (NASDAQ: AAPL) share + stock voucher of SGD 5 (for Singapore stocks only)

*** Sign up for an eToro account to trade in fractional shares - https://etoro.tw/31BHx2Z

DISCLAIMER:
This video is for entertainment purposes only, not financial advice. I am not a financial advisor, just a fellow investor sharing my random thoughts on the stock market. Remember to always do your own research and due diligence before making any investments.

LINKS:
Indicative holdings on Lion Global Investors website:
https://www.lionglobalinvestors.com/en/funds/lion-ocbcsec-hangseng-tech-etf/index.html

More information on OCBC Securities website
https://portal.iocbc.com/products-and-solutions/etf/lgi-ocbc-hang-seng-tech.page
Lion-OCBC Securities Hang Seng Tech ETF (SGX:HST) - Riding the Chinese Technology Wave
Should you invest only in your home stock market? Or diversify to overseas stock markets? Here are my considerations on why I invest in both my home stock market (Singapore) and the biggest overseas stock market there is (U.S.).

Thank you for watching! Let me know which stock markets you're invested in and why. Would love to hear from you.

DISCLAIMER:
This video is for entertainment purposes only, not financial advice. I am not a financial advisor, just a fellow investor sharing my random thoughts on the stock market. Remember to always do your own research and due diligence before making any investments.

Additional reading:

CNBC article
https://www.cnbc.com/2020/08/26/ubs-sees-a-lot-of-value-in-certain-singapore-stocks.html

AsiaOne article
https://www.asiaone.com/money/understanding-home-bias-amongst-singaporean-investors

IRAS links on dividends and capital gains:
https://www.iras.gov.sg/irashome/Individuals/Locals/Working-Out-Your-Taxes/What-is-Taxable-What-is-Not/Dividends/
https://www.iras.gov.sg/IRASHome/Individuals/Locals/Working-Out-Your-Taxes/What-is-Taxable-What-is-Not/Gains-from-Sale-of-Property--Shares-and-Financial-Instruments/
Singapore (SGX) vs U.S. (NYSE/Nasdaq) - Which stock market to invest in?
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