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Investment Moats
21 Sept, 22:56
Monevator sometimes have nice and interesting FI stories this is one. 39 year old male. Done with trading. All accumulating funds. Child after FI.https://monevator.com/fire-side-chat-travelling-and-arriving/MonevatorFIRE-side chat: travelling and arriving - MonevatorPablo of the FIRE Exit blog reached very early retirement despite traveling the world on bike and discovering investing late.Investment Moats
21 Sept, 21:13
Investment Moats
21 Sept, 12:01
Investment Moats
20 Sept, 12:50
Different sectors and their sensitivity to inflation
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20 Sept, 12:32
If we use 2022 as an example, what works best
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20 Sept, 12:30
Fresh from AQR's latest paper on Inflation Redux?Each economic regimes and what worked well in different regimes
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20 Sept, 04:09
higher yields dont always translate to lower equity returns
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19 Sept, 23:15
Mention a dividend stock in the US, and some would mention that there is a 30% dividend withholding tax.At some point, you got really look past just the tax and just try and be interested in the companies so that you can become a better investor.https://investmentmoats.com/money-management/dividend-investing/you-got-to-look-past-the-30-dividend-withholding-tax-at-some-point/Investment MoatsYou got to look past the 30% Dividend Withholding Tax at some point.Think back when I was a dividend investor, that 30% dividend withholding tax on US stocks was a big thing for me. I kind of get it whenever I bring up some data on USInvestment Moats
19 Sept, 10:22
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19 Sept, 06:02
I had some time to chill before I started doing some work and saw this Robbie Money pushed to me.Robbie has a portfolio that is based on two factors: Momentum and Value. I seldom see a personal sharing this way on YouTube yet (perhaps other than myself), so was pretty intrigued. By Robbie's own words he believe in factors.So he list out how he roughly structure his portfolio around SPMO, XMMO, QMMO, XSMO, IDMO, IMOM. And also AVLV, AVUV, EFV, AVDV.And Rob was sharing that people would be surprised that the best performing was not certain momentum part of his portfolio.I think if viewers or readers look at his portfolio, and look at all the tickers.They would be wondering: Does his portfolio look overly complicated? Does it need to b be very complicated?It would be kind of different if he explains it asbelieving in factors -> Momentum and Value -> for each you want US andYouTubePortfolio Update: SPMO Winning… Momentum Isn’t🔺 SALE ALERT: 30% off the portfolio tracking tool from this video until Sep. 23 💵 There’s also a free account option if you want to try it first. 💹 Link your accounts and compare your portfolio to benchmarks like the S&P 500. Check it out here: https://bit.ly/4cTnFgW…Investment Moats
19 Sept, 05:07
I was reading TJJ's post about what rising rates mean to his portfolio.I think there are two parts of impact which is either REITs or banks.I think in a way, the direction of short term rates may indicate where the longer term is going but its not always the case. While TJJ mention mostly in SORA, i do wonder if the 5-year and 10-year rates affects REITs borrowing cost more.I did a check of the 5-year rates of Singapore in 1st Jul vs 18 Sep: 1.8% vs 2.1%.Definitely you see a climb.but if you are a corporate, you got to ask yourself if that 0.30% is a bigger diff? I don't think it impacts the borrowing dynamics so much at this point. Not that rising interest rate does not affect REITs prices. but if the reits have gone nowwhere for so long, is higher rates priced in or not priced in?Kind of feel it does.But that's mehttps://tjjlearningjournal.blogspot.com/2026/09/if-rates-BlogspotIf Rates Climb Again: What It Actually Means for the Portfolio I OwnThoughts on the current interest rate environment and how it affects my dividend portfolio which consists of largely banks and SREITs.Investment Moats
19 Sept, 04:53
10 year treasury forward returns based on the starting yield.So what is the problem with high bond yields? =)
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18 Sept, 11:17
be careful. this is not me
Investment Moats
17 Sept, 00:35
I received a question from my article about 155 years of dividend growth data.Very short question. Not much that I can work with. But I felt that I wish to exercise my strong thoughts on how different all our portfolios are, if we are thinking about retirement with them.https://investmentmoats.com/financial-independence/no-two-1-million-sg-us-stock-portfolios-are-alike/Investment MoatsNo Two $1 million SG & US stock portfolios are AlikeI've got this comment from my last article on 155 years of real dividend growth rates: Thanks for the writeup. Informative. I am 62 years young & pretty much planning to retire with annual drawdowns fromInvestment Moats
16 Sept, 23:53
I was having a casual chat with one of my colleagues yesterday. He just got promoted to a client adviser from associate adviser recently.Our conversation eventually dovetail to pre-discovery. A pre-discovery is a session (can be a phone call, in person or a web meeting) for a prospect to find out what exactly we can help them with... and whether the client is a good fit for us.I shared that... there are some risks worth taking because the rewards is always worth it.There are going to be prospects that we feel is not the right fit, or they feel we are not the right fit from them. Sometimes, this would turn out to be time spent because nothing comes out of it.I think its a given that if someone does not meet our minimum and needs help, we do what we can to give them some fundamental pointers, guardrails, point them to potentially who would be better fits.What may be easy to missInvestment Moats
16 Sept, 11:06
Saw that Fidelity's Jurrien Timmer updated this nice earnings, change in pe chart. Me things this can either be peak earnings in a while or can go on further.his commentary:"In the US, earnings continue to soar, and the rate of change is still rising. Once the second derivative starts to decelerate, we can see how much tolerance there is for less stellar fundamentals, but the fact that the P/E ratio is already down 9% year-over-year and is only at 20x should provide some buffer."
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16 Sept, 10:37
Was reading this piece by Genevieve regarding the challenge of planning around a portfolio that is longer than what people originally had in mind.I always felt that every piece gives people a lot of little tidbits here and there. But in a way, do these tidbits really matter specifically to tackle a need for seriously long income stream?Governance? Short term financial cushion? Human capital? Insurance? Bucketing?It is not that I don't think they are not important.Just that if we wish to really focus on the critical factors that decide if you can have a long long income stream, they might be more of a distraction.Perhaps its too boring to just focus on a piece what if you wish for an income stream to last for 70 years.That is probably long enough to fulfill "longevity"but that's my personal opinion
Investment Moats
15 Sept, 23:10
The 3.0 of ETF is going to confuse the noobies.They are going to be leveraged or single stock ETFs. The noobies will think all ETFs are better than unit trust.They can't tell the difference. They also don't bother to care about the difference. Too much time, Too short attnetion span.https://www.morningstar.com/funds/why-next-generation-etfs-looks-riskier-investorsMorningstar, Inc.Why the Next Generation of ETFs Looks Riskier for InvestorsHow ETFs have evolved over their 33-year history, and where they go next.1,450Open in TelegramInvestment Moats
15 Sept, 00:22
If you are an income investor, or a dividend investor, wondering what kind of dividend growth rates you should be using in your plan so that it is conservative, or just right, think this article may help.May also fxxk up your brain to realize that dividend growth can vary this much.https://investmentmoats.com/money/155-years-of-real-dividend-growth-rates-tell-us-the-real-picture/Investment Moats155 years of Real Dividend Growth rates tell us the real picture.There were some good charts that I discovered in the Tweet on X.com about the 30-year TIPS rate reaching 2.9%: https://investmentmoats.com/uncategorized/us-30-year-tips-yields-high-inflation-adjusted-income/ These charts are related to dividend per…Investment Moats
14 Sept, 23:02
from GS: “Equities typically struggle at the start of Fed hiking cycles, but the market has already priced substantial Fed tightening in coming months. The S&P 500 has generated an average 3-month return of -2% at the start of seven hiking cycles during the last few decades.“However, the S&P 500 then generated an average 12-month return of +9%, with positive returns in every episode but 2022. In 1997, for example, the S&P 500 declined by 10% alongside the Fed’s 25 bp hiking “cycle.” Stocks bottomed when the market ceased pricing additional tightening, and the S&P 500 reached new highs within three months. Today, the rates market is already pricing more than three 25 bp hikes by the middle of 2027, lifting the bar for policy to surprise in a hawkish direction. The medium-term impact of Fed tightening on equities will depend on how tightening affects earnings growth, which is the most
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