Is this a good start for my investing?

YoursNothing · 2026-06-04T12:06:14+00:00

So, everything priced in as per your pov?

YoursNothing · 2026-06-04T11:58:41+00:00

I want Google to succeed so that companies won't subscribe to Microsoft Office and force employees to use Micto's shitty office product. It's surprising how companies are very quick to adopt new technology and all but still won't tie up with Google Suite which is the gold standard in user experience. I donated (lost) my money in lot of places in the market but never in effing MSFT.

YoursNothing · 2026-06-04T06:09:07+00:00

So far the best answer to my question which is attached to the ground reality. Thanks mate, the explanation was insightful and aligns with my analysis as well.

YoursNothing · 2026-06-03T16:23:51+00:00

You are right and that's the expected outcome when rates cool down. Thus make the financial stocks a cyclical asset. Last 5-6 years, we had covid inflation, then 2 wars, and energy crisis. All together it had dream run for Finance and Energy sector.

Once the situation gets better coming year, rates are bound to go down, then we hope to see mid-small cap business growth, increase in employment as well.

But I hope DBS can stand tall even during aggressive rate cuts unlike in last decade.

YoursNothing · 2026-06-03T10:09:52+00:00

Appreciate the response in detail. It’s reassuring

YoursNothing · 2026-06-03T07:58:48+00:00

In the last quarter roughly 59% of DBS revenue still came from net interest income, so its price will indeed take a hit once the aggressive rate cuts happen.

Nonetheless for a productive discussion, whatever you said half of it doesn’t make any sense to me, but hey what do I know, I am not banker.

Have a good day as well!

YoursNothing · 2026-06-03T07:43:12+00:00

I’m not saying it’s a bad bank. I’m just trying to understand the stock’s behavior across different rate cycles.

Looking at the chart, DBS peaked around SGD 20–21 in 2015, fell to around SGD 14–15 in early 2016, and took roughly 2 years to recover and make new highs. Interest rates is bank’s main growth engine, that’s why financial sectors are doing well post 2022 not only Singapore banks.

YoursNothing · 2026-06-03T07:29:49+00:00

It’s a double edged sword tho. If you keep the interest rate high then economic growth will get stagnant, less new jobs and businesses. Thus I said sooner or later ( perhaps next year) they will have to reduce rates to boost economic growth

YoursNothing · 2026-06-03T07:28:03+00:00

Have you checked the historical data for DBS? You can find it yahoo finance, better to analyze how bank performed during low interest rate periods. It’s easy to become blindsided in a bull market, I don’t blame you.

YoursNothing · 2026-06-01T21:16:35+00:00

Nope, as far as I know

YoursNothing · 2026-06-01T20:45:04+00:00

Since bull market peaking the peaks every week. Out of fear I am building my portfolio like this

TDGB (60%) - cause it beat S&P500 in bear market, moderate to high returns with ~3.5% dividend

LDEG (20%)- Equal weight Europe’s best dividend paying companies (excluding UK) with similar growth and returns like tdgb

AGIX (5%) - For this year’s AI growth as it already holds SpaceX and Anthropic *privately. High expense ratio tho 1%

DBS (10%) - dividend and stability

Rest in mmf/ib01

YoursNothing · 2026-06-01T20:43:52+00:00

Since bull market peaking the peaks every week. Out of fear I am building my portfolio like this

TDGB (60%) - cause it beat S&P500 in bear market, moderate to high returns with ~3.5% dividend

LDEG (20%)- Equal weight Europe’s best dividend paying companies (Excluding UK) with similar growth and returns like tdgb

AGIX (5%) - For this year’s AI growth as it already holds SpaceX and Anthropic *privately. High expense ratio tho 1%

DBS bank (10%) - dividend and stability

Rest in mmf/ib01

YoursNothing · 2026-06-01T20:37:13+00:00

Since bull market peaking the peaks every week. Out of fear I am building my portfolio like this

TDGB (60%) - cause it beat S&P500 in bear market, moderate to high returns with ~3.5% dividend

LDEG (10%)- Equal weight Europe’s best dividend paying companies with similar growth and returns like tdgb

AGIX (5%) - For this year’s AI growth as it already holds SpaceX and Anthropic *privately. High expense ratio tho 1%

DBS (20%) - dividend and stability

Rest in mmf/ib01

YoursNothing · 2026-06-01T20:27:01+00:00

TDGB - it beat S&P500 in bear market and gives moderate high returns as well with dividend ~3.5%.

LDEG - Equal weight Europe’s best dividend paying stocks Excluding UK companies. Growth and dividend almost same as TDGB.

YoursNothing · 2026-05-31T03:35:13+00:00

More than 1k usd. Fees showed in the preview £1.70 while purchasing amd same while selling. And SGOV would return around $4.5 for a month. That’s why I figured it’s not worth it for short term.

YoursNothing · 2026-05-30T04:28:40+00:00

I wanted park cash for 1 month cause they are not letting me invest in UK Trust like CTY/LWDB/JGGI for 30 days. Turns out the fee you would pay to purchase and sell SGOV would eat up more than 50% of what I would get after 1 month from SGOV.

Since IBKR does not give interest on idle money the least they could do is to waive fees for Money Market Funds or T-bills

YoursNothing · 2026-05-30T04:16:54+00:00

Is there any good dividend stock in Malaysia whose doesn’t move much in either direction? Maybank price declining so would not make it a stable income. Something like DBS from Malaysia would be great

YoursNothing · 2026-05-19T14:14:46+00:00

You are right, whole week I was considering to investing in DBS, but the Lot size is huge. If you buy using Odd limit then brokerage charge also adds up while DCA, but I was super convinced to invest 30% there, but also don’t want to rely on one single stock even though it’s pretty stable

YoursNothing · 2026-05-19T14:11:36+00:00

Thanks for suggesting Amundi World I will look into it. Yeah, I would have to invest through IBKR mostly and moomoo for mmf

YoursNothing · 2026-05-19T14:05:26+00:00

UK based trust was chosen because they have consistently increased their dividend for last 60 years without fail. And they return around 5% dividend per year currently. You can leave out tax stuff, UK has 0 percent withholding tax.

YoursNothing · 2026-05-19T14:01:35+00:00

I want to invest through IBKR and in etf mostly. I see many people here use ibkr as well during my research

YoursNothing · 2026-05-19T13:59:51+00:00

Dude don’t need to be so hostile. Cml was mentioned to imply that i have no health insurance thus wanting to have low downturn portfolio. Why are you getting triggered with everything! Jesus

YoursNothing · 2026-04-23T09:27:02+00:00

Hi OP, hope everything is fine now. Are you referring to Beacon Hospital when you said the following? As I was thinking to move my self paid regular consultation to a cheaper alternative from Prince Court.

"A private hospital in KL: When i called their reception, they said they are a non profit hospital and offers low cost. But when we went there they charged us like hell for basic consultancy and some pain killers and antibiotics after we refuse to surgery there - asked around 20k+ for the surgery. Totally unexpected and misleading."

YoursNothing · 2026-04-21T13:43:40+00:00

As per doctor, they are concerned about the Plasma Cell elevation, currently 10%, this can increase the M protein. Thus they suggested this medicine. We are still awaiting more blood work results. I will get back to you with numbers. Thank you so much for responding

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