Investment Moats
- №68 в категории «Экономика и финансы»
- №32: 🇸🇬 Сингапур
- №2 667 среди каналов на языке «английский»
- №3 134 в мире
Wealth building, financial independence and making wise money decisions
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Подписчиков у канала «Investment Moats»: 6 942. Средний охват поста за сутки около 721, вовлечённость 10,4 %.
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721 просмотров 10 Реакции
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Good Morning. I bought a limited whole life policy from back-end Asia Life about 20 years ago. I think since my last birthday I managed to pay off all the premium so I fully own this policy. I think this post is a reflection about owning this policy. Why did I bought this policy in the first place and 20 years later, does the policy look like it will do what I initially want from it? I also run through some of the numbers, some of the opportunity costs. Had I not put this money into this, maybe I put it inside a term policy with a different DIY allocation mix. https://investmentmoats.com/budgeting/insurance/whole-life-policy-paid-up-surrender-value/
1 170 просмотров 6 Реакции -
I was reading an article about a trucking company that's running into trouble with MCA loans. Businesses like that can easily fall for these cash advances. The interest is not cheap, just like our own cash advances. If you only take one for a short while, it's usually not a big problem. Many of these firms need the money fast for something important. If everything goes well, the cash comes in soon after and they can pay it off without trouble. The company the article focuses on ran into a cash flow problem. That really shows how hard it is for small businesses to keep cash coming in. The interest rate is very predatory. From what the article says, even when the company can't pay, the lender...
1 270 просмотров -
Ben Carlson got this question. The question alone is worthy of me posting it here because I see things like this so often: I’m 16 months out from retirement and am looking at shifting my dozen or so mutual funds with Vanguard to a firm that invests in stocks that pay dividends. The idea is to draw enough off the dividends without having to sell the stock. They design a portfolio based on my risk tolerance, a % of my assets that I would be willing to lose, for me that’s 10 to 15%. So the overall yield with that risk tolerance would probably be lower. By not selling the stock I don’t need to be so concerned if the market is up or down at any particular time. Over time the market does go up...
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I watched Dennis's presentation where he gave everyone an introduction to MoneyOwl's retirement calculator. I think it's always good when someone builds a tool other people can use, and it's even better when they also explain how to use it in thorough detail. The video runs quite long, but I think it's worth the time. One thing to realise is that a lot of these calculators are not so simple. A simple one leans on a lot of rules of thumb, and it leaves many questions unanswered. But if a calculator is more complex, how would you be able to interpret it? This whole video fleshes out how sophisticated these tools can be. I think it strikes a good balance between keeping things simple and doin...
1 160 просмотров 5 Реакции -
I was reading this post from Patrick, and I wonder if the war chest is getting too much credit. It matters a lot when you're in the draw-down stage and living off an income draw. It's a bit surprising to expect you'll still have a war chest at 84 years old. He said the size of his war chest can depend on a few things, but it can go up to 1 million dollars. I guess people are wondering what percentage they should keep. Saying there's still 1 million assumes people know the full size of your war chest, though, and one number on its own doesn't tell them much. But if you think about it, where do prices go once they climb back to where they were a few months ago? Is it really any different i...
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Good Morning. ST Engineering fell about 17-20% these few days. Actually, I was always curious was the business so different that they could go up 100% after staying dormant for so long. So I went through the past numbers, and what we are seeing in the past 4 years to see what's changed. At S$9.26 you’re still paying for about five years of 12% profit growth. If that happens, you earn about 7% a year. If growth fades after 2029, it’s worth about S$7.41. https://investmentmoats.com/money/st-engineering-share-price-buy/
1 230 просмотров 4 Реакции -
This correction has also brought down valuations. I'm not sure how much we can rely on this valuation, though, since it's so dominated by the DRAM companies.
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What happens when the biggest companies cannot... buy back anymore? if buy backs are a consistent buying... that props up the market... what happens if that force is lesser and lesser?
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Results
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Good morning. I totally forgot to update the Singapore Savings Bonds for 3 months. In that time, the 10-year and 1-year end of the yields rose steadily. The long end took a dip this month but the short end continues to trend up. Guess this is good for savers. https://investmentmoats.com/saving-and-investing-my-money/singapore-savings-bonds-ssb-december-2026-yield/
1 990 просмотров 1 Реакции -
Good morning. I went for a short morning walk this morning and I thought why not just get some of these ideas about how I think about how likely traditional banking is going to be disrupted. I think the good news is maybe it's not going to be disrupted so much but the pace of things will also depend a lot on whether how much of these deposit rails are actually kind of adopted in how big of a way. So here's some of my thoughts. https://investmentmoats.com/money/singapore-banks-ai-agents-lazy-money/
1 890 просмотров 3 Реакции -
Some stocks are defensive and low volatility.
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Local
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Good Morning, my Daedalus Income Portfolio update for October is up. A month where tech fell hard but the rest of the market held up. What happened: • Big tech and chip stocks sold off on doubts that AI spending will pay off. US tech had its worst month since 2022. • Money moved to health care, financials, energy and small value companies. Asia, especially Korea and Taiwan, was hit hardest. • My tilted funds did better than the indices. Global Targeted Value and JPGL rose while MSCI World fell 1.3%. • Bond yields fell from their highs and my global bond fund gained 1.5%. The portfolio ended October at S$1,851,681. At a 2% Safe Withdrawal Rate, that supports about S$3,086 a month. I did...
1 750 просмотров 5 Реакции -
American reindustrialization is an exciting concept and is likely to attract considerable investor attention in the years to come. Against such a backdrop, some might adopt a “gold rush” strategy, seeking the perfect plot of land to mine. Our approach is conservative by comparison. Rather than trying to perfectly guess the particulars of how reindustrialization plays out, we prefer “picks-and-shovels” business models that will benefit from industrial growth wherever it occurs. The picks-and-shovels framework reflects our belief in the importance of company quality in selecting investments. Companies with strong business models and durable moats against competition enter the prospect of Ameri...
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Good morning. About two years ago, I wrote an article about replacing my home broadband with a mobile plan. Mobile plans have gotten really cheap, and that switch saved me at least $20 a month. I also shared my setup, which was connecting a mobile phone…
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Good morning The S&P 500 is ~6% off its high after a Democratic sweep. After the 2018 midterms it fell 16%. I compare 4 similarities and 3 differences: oil and data centers. https://investmentmoats.com/money/sp500-2018-midterm-drawdown-repeat/
1 530 просмотров 7 Реакции -
This correction has also brought down valuations. I'm not sure how much we can rely on this valuation, though, since it's so dominated by the DRAM companies.
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Good morning! Here is my spending report for October. It's a little higher than last month, mainly because I bought a couple of items. That's not to say I didn't buy anything last month. I finished paying the down payment on my bed, and I also bought a back extension machine. If you're interested in that, feel free to take a look at the spending report. Thanks so much for reading. https://investmentmoats.com/notes/my-october-2026-personal-spending/
1 340 просмотров 1 Реакции
Вопросы о канале «Investment Moats»
Сколько подписчиков у канала «Investment Moats»?
У канала «Investment Moats» (@investmentmoats) 6 942 подписчика на 12 ноября 2026 г.
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Средний пост набирает около 720 просмотров за 24 часа, это примерно 10 % подписчиков (ERR).
О чём канал «Investment Moats»?
Канал в категории «Экономика и финансы», язык постов: английский. Описание канала: «Wealth building, financial independence and making wise money decisions»
Какое место занимает канал «Investment Moats»?
По числу подписчиков: №68 в категории «Экономика и финансы», №32: 🇸🇬 Сингапур, №2 667 среди каналов на языке «английский», №3 134 в мире.
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