DBS is the best so far based on ROE. OCBC however, with a dividend yield of 5% looks a little attractive but with risks of a further drop in price and average performance. While all 3 banks are good dividend yield plays, do note that is it because of the high interest rate environment spurred by the Fed. If interest rates cut, then the NIM will drop and so will earnings. As for AI, it will become a great partner for most jobs and it will take over some jobs. However, some roles will be irreplaceable. E.g. can you imagine an AI MP, PM or President? Let me know what you think. [Grin][Facepalm] @daz88888888 @LMSunshine @melson

Speculating vs Value InvestingI have had my fair share of little experience in both sides, with ups and downs. Speculating Ups and DownsThe boat I could have gotten off from speculating was a 722% gain. Unfortunately I was too raw and naive in the investing world and fantasised about astronomical gains before I could get out. The worst result from speculation was the grand old Toto where any bet went to ZERO. [Facepalm] Value Investing ExperienceThe upside from Value investing is not as highas speculation for the same time period. My maximal % gain is only 80% currently. However this is excluding dividends and the value of the stock that can raise further if I hold longer. Of course I have had a 84% loss (excluding dividend gains) as well.So how?Although the gains from specu

Recently last month, my investment in $Meta Platforms, Inc.(META)$  almost reached the famous 2 bagger. (100% increase). Of course this is a worthwhile celebration. However do not that this is NOT a recommendation to buy META, but more of a reflection exercise on what any investor can consider if this happens in their life. The case to SELL One of the initial strategies that I came across while learning how to invest is to sell and take profit once you hit a 2 bagger. In fact, sell 50% of what you have, take back your initial investment, and hold the rest till eternity. This seems like a good proposition until you realise that it's foolish as: 1. On selling, somehow psychologically the price will go up and you will beat yourself up for n

What is the best way to hedge your portfolio?There are so many ways to consider when I read this topic. Here are some quick points to consider.1. Hedge? Why hedge? Cost ultimately because you might not have conviction in your position, so perhaps the risk involved is too great and you want to reduce it. Like buying insurance, a bit is fine but if you buy too much, it doesn't make sense.2. Diversification of Assets - gold, property, stock, options, crypto. All of it won't plunge at ago. If it does, the whole world will get hit.3. Portfolio sizing - 3 positions in a stock will be 33.3% portfolio size. This is ok for a small time and initial investor where is amount invested is small. (Think 1k-10k, or 10% of your nett worth). 5-10 positions of sizing will lead to 10-20% of each position. (11

What to do in a market crash?Well first of all CELEBRATE.As a value investor especially during the bull runs, I have been waiting patiently for a crash together with my other fellow investors.Having seen the 1997, 2008 crashes and kicked myself silly for not investing. I subsequently loaded up on minor drips along the way. No regrets. Definately during this drip I will fire in more. However please fire in sensibly and never bet the house.Secondly, I will also review the valuations of quality companies and re look at my strategy which is to invest in undervalued quality companies that have a wide moat. I will also be moreprudent in my spending to load up on my dry powder. I have also been investing in indexes like $S&P 500(.SPX)$.Finally,

[Work or Investing???] How to make 1 million? Well the easiest method that happened to me when i held, not just 1 million, but MILLIONS on my hand and I felt super nervous at the people around me. How is it possible? Well I was a student at that time and I changed my SGD to Vietnamese Dong. So I had Millions of Dong on my hand.[Cool]   Jokes aside, why limit yourself to Working or Investing? WorkIng to Millions Well working to Millions as an Employee seems only privileged to a certain few. With the median income in Singapore at $5k+, it'll take almost an eternity to hit one million purely by employment. The exception however, would be if you are: 1. Working at the C suite or as a CEO like for example$DBS Group Holdings(D05.SI)$ 

[Journey to the West ~ Part 1] Was recently on a trip to the West to land of trading and investing. Also known as the Big Apple, I was at New York City. 🌆  Touching the brick of a few companies, I like to start off this sharing with none other than$Apple(AAPL)$   . Impressive landmarks Firstly, Apple tend to place themselves in landmark locations. Think Marina Bay Sands waterfront area. Also the flagship store in Orchard Road. For NYC, the store at Grand central was super impressive. In an iconic train station,$Apple(AAPL)$  occupies a section with comfortable furniture coupled with a breath taking view. Excellent service The Apple staff working there was excellent in terms of service.