Eyes On Retirement

I started building my child's college fund when she was 6 months old. All her 红包's are channeled straight into this OCBC account, and I registered for their Blue Chip Investment Plan (BCIP). It's a monthly investment scheme into a blue chip stock of choice. Both Ms EOR and myself contribute monthly to this BCIP account, which is an excellent way to force us to invest. The rule is, do not sell anything from this account. In a rising interest rate environment, defensive stocks and REITs are to be de-prioritized. In such an environment, the spread between interest rates and dividend yields narrows, causing selling pressure on such asset classes. Banking stocks do well in rising interest rate environments, so now is the time double down and load up. Current sector allocation. It's time to add financials in. DBS The biggest and strongest bank in Singapore. They are leading the pack in digitization and building a digital bank presence. Just read their recent earnings...

I started building my child's college fund when she was 6 months old.  All her 红包's are channeled straight into this OCBC account, and I registered for their Blue Chip Investment Plan (BCIP).  It's a monthly investment scheme into a blue chip stock of choice.  Both Ms EOR and myself contribute monthly to this BCIP account, which is an excellent way to force us to invest. I invest in 2 stocks at any given month, with Singtel being the base investment and the other being a cyclical. Singtel Telco's are considered a defensive sector, with a relatively stable income stream.  What I like about Singtel is that they are the market leader in Singapore, and also derive 50% of their profits from investments in other country telcos, thereby reducing the country risk.  They are trading at around their 52 week lows in 1H 2018, hence the dividend rate is 5+%, but I see the sustainable rate to be about 4+%.  I'm doing dollar cost averaging, so it doesn't matter that...