Bigbird Posted August 20, 2022 Share Posted August 20, 2022 (edited) Some spare money $100-200k Duration 1yr What do u think of MAS Treasury Bills ? Or any other low risk investments besides Gold? FD? @socrates469bc or any investment guru! Note: please dont do temasick - buy high & sell low! ok!!! Edited August 20, 2022 by Bigbird 1 Link to comment Share on other sites More sharing options...
socrates469bc Posted August 20, 2022 Share Posted August 20, 2022 5 minutes ago, Bigbird said: Some spare money $100-200k Duration 1yr What do u think of MAS Treasury Bills ? Or any other low risk investments besides Gold? FD? @socrates469bc or any investment guru! Note: please dont do temasick - buy high & sell low! ok!!! split the 100k or 200k into 24 tranches and place 1 tranche into 6mths fd every week for the next 24 weeks. then repeat cycle. or alternatively, buy into usd treasury etf for recurring income with possible maximum 15% capital loss over the next 2 yrs. however, if u hold long enough, ur dividends will more than cover any losses since u benefit from higher us interest rates. since ur fund size not huge enough to buy 1 piece of 3mth usd t bill. https://investor.vanguard.com/investment-products/etfs/profile/vgsh wahahahahahahaha Link to comment Share on other sites More sharing options...
Bigbird Posted August 20, 2022 Author Share Posted August 20, 2022 6 minutes ago, socrates469bc said: split the 100k or 200k into 24 tranches and place 1 tranche into 6mths fd every week for the next 24 weeks. then repeat cycle. or alternatively, buy into usd treasury etf for recurring income with possible maximum 15% capital loss over the next 2 yrs. however, if u hold long enough, ur dividends will more than cover any losses since u benefit from higher us interest rates. since ur fund size not huge enough to buy 1 piece of 3mth usd t bill. https://investor.vanguard.com/investment-products/etfs/profile/vgsh wahahahahahahaha 1) Thank u!! FD: is this is like DCM approach as well? 2) USD treasury etf , Average effective maturity is 2 yrs leh? Any less "possible maximum 15% capital loss over the next 2 yrs. "! This USD etf 1 lot is 1,000? Am not familiar with US market leh. 3) How much is "1 piece of 3mth usd t bill"? Link to comment Share on other sites More sharing options...
socrates469bc Posted August 20, 2022 Share Posted August 20, 2022 15 minutes ago, Bigbird said: 1) Thank u!! FD: is this is like DCM approach as well? 2) USD treasury etf , Average effective maturity is 2 yrs leh? Any less "possible maximum 15% capital loss over the next 2 yrs. "! This USD etf 1 lot is 1,000? Am not familiar with US market leh. 3) How much is "1 piece of 3mth usd t bill"? 1) totally different. fd is a cheap funding source for banks from the joe-on-the-street while dcm is for corps or uhnwi. 2) anything less than 3yrs is considered short term liao. if really buy 3mths t-bills b4 2020, these fixed income funds really has nothing to jiak or distribute as dividends. in a rising interest rate environment, fixed income funds confirmed will have capital losses in the next 2yrs. magnitude will depends on the bonds in the etf, thats why limpeh is adopting a watch-first approach. 3) if bird didi wants to buy us t bills via local banks, limpeh believe they will be asking u to buy in usd250k or more per transaction since they have to handle alot of paperworks. if bird didi want to buy as individual, u need to have a us tax id. wahahahahahahaha 2 Link to comment Share on other sites More sharing options...
Bigbird Posted August 21, 2022 Author Share Posted August 21, 2022 (edited) 22 hours ago, socrates469bc said: 1) totally different. fd is a cheap funding source for banks from the joe-on-the-street while dcm is for corps or uhnwi. 2) anything less than 3yrs is considered short term liao. if really buy 3mths t-bills b4 2020, these fixed income funds really has nothing to jiak or distribute as dividends. in a rising interest rate environment, fixed income funds confirmed will have capital losses in the next 2yrs. magnitude will depends on the bonds in the etf, thats why limpeh is adopting a watch-first approach. 3) if bird didi wants to buy us t bills via local banks, limpeh believe they will be asking u to buy in usd250k or more per transaction since they have to handle alot of paperworks. if bird didi want to buy as individual, u need to have a us tax id. wahahahahahahaha OK. Like that i dont qualify liao! 1) For MAS T-bills, if u can park the money for 1yr, would u buy 6mths (2 purchase cycle) or 1yr straight? 2) If buying $100K would u buy in 1 lump sum or do it as DCA (like what u recommended for FD)? Have never bough T-bills before. Edited August 21, 2022 by Bigbird Link to comment Share on other sites More sharing options...
socrates469bc Posted August 21, 2022 Share Posted August 21, 2022 16 minutes ago, Bigbird said: OK. Like that i dont qualify liao! 1) For MAS T-bills, if u can park the money for 1yr, would u buy 6mths (2 purchase cycle) or 1yr straight? 2) If buying $100K would u buy in 1 lump sum or do it as DCA (like what u recommended for FD)? Have never bough T-bills before. rising rates environment means no point locking in large amount for whole yr. in fixed income, this strategy in which limpeh place small tranches in different maturing bonds/t-bills/fd is called laddering. this is to minimize limpeh's interest rate risk while maximizing coupon gains. wahahahahahahaha Link to comment Share on other sites More sharing options...
Bigbird Posted August 22, 2022 Author Share Posted August 22, 2022 22 hours ago, socrates469bc said: rising rates environment means no point locking in large amount for whole yr. in fixed income, this strategy in which limpeh place small tranches in different maturing bonds/t-bills/fd is called laddering. this is to minimize limpeh's interest rate risk while maximizing coupon gains. wahahahahahahaha Kam sia for your advise! If i'm not wrong the fed interest hike will go up till end of last quarter and stabilize next yr if china & russia dont cause more issues. What's your feel? 1 Link to comment Share on other sites More sharing options...
socrates469bc Posted August 23, 2022 Share Posted August 23, 2022 On 8/22/2022 at 9:50 PM, Bigbird said: Kam sia for your advise! If i'm not wrong the fed interest hike will go up till end of last quarter and stabilize next yr if china & russia dont cause more issues. What's your feel? if interest rates is at 0 for almost 20 yrs, what bird didi think will happen??????? wahahhahahahahahah Link to comment Share on other sites More sharing options...
Bigbird Posted August 23, 2022 Author Share Posted August 23, 2022 11 minutes ago, socrates469bc said: if interest rates is at 0 for almost 20 yrs, what bird didi think will happen??????? wahahhahahahahahah I have no economic background leh! If it can stay 0 for 20yrs, why not more? If other countries say will recession but SG say no! How leh? 1 Link to comment Share on other sites More sharing options...
socrates469bc Posted August 24, 2022 Share Posted August 24, 2022 On 8/23/2022 at 10:22 PM, Bigbird said: I have no economic background leh! If it can stay 0 for 20yrs, why not more? If other countries say will recession but SG say no! How leh? 1 Link to comment Share on other sites More sharing options...
Bigbird Posted August 24, 2022 Author Share Posted August 24, 2022 16 minutes ago, socrates469bc said: WAH LAO weh!!!!! When i see the word "Law" my brains immediately SHUT DOWN!! Please sir, keep it simple for psle graduate! Tolong ../\.. 1 Link to comment Share on other sites More sharing options...
Bigbird Posted August 26, 2022 Author Share Posted August 26, 2022 @socrates469bc Since you are very knowledgeable on world economic situation! What is your opinion on how far interest rate will increase locally by end this yr and will it still increase next yr?? Wont hold u to your opinion! 1 Link to comment Share on other sites More sharing options...
socrates469bc Posted August 27, 2022 Share Posted August 27, 2022 19 hours ago, Bigbird said: @socrates469bc Since you are very knowledgeable on world economic situation! What is your opinion on how far interest rate will increase locally by end this yr and will it still increase next yr?? Wont hold u to your opinion! if us fed no 5% end next yr, limpeh chop limpeh's kkj. wahahahahahahahaha 1 Link to comment Share on other sites More sharing options...
Bigbird Posted August 27, 2022 Author Share Posted August 27, 2022 4 hours ago, socrates469bc said: if us fed no 5% end next yr, limpeh chop limpeh's kkj. wahahahahahahahaha Wahhh.... !! so fierce!! Quote Will the Fed ever cut interest rates? Probably not anytime soon. The Fed hasn’t even moved the fed funds rate above its “neutral rate” yet, which it has said needs to happen. Fed members’ June forecasts showed the median federal funds rate running slightly below 4% through the end of 2023, and it’s currently only between 2.25% and 2.5%. https://www.usatoday.com/story/money/economy/2022/08/26/jerome-powell-speech-fed-rate-hike-clues/7874384001/ 1 Link to comment Share on other sites More sharing options...
Bigbird Posted August 27, 2022 Author Share Posted August 27, 2022 Am think of bidding for 3.1% interest price this week. Dont know can get a not! Is it too aggresive? 1 Link to comment Share on other sites More sharing options...
socrates469bc Posted August 27, 2022 Share Posted August 27, 2022 (edited) 1 hour ago, Bigbird said: Am think of bidding for 3.1% interest price this week. Dont know can get a not! Is it too aggresive? bird didi's volume too small to impact on the overall bidding. just use sora 6mths+200 basis can liao. dont go and contribute to increasing the cut-off yield. alternatively, limpeh will go for non-competitive to secure the bills. wahahahahahahahaha Edited August 27, 2022 by socrates469bc Link to comment Share on other sites More sharing options...
Bigbird Posted August 28, 2022 Author Share Posted August 28, 2022 18 hours ago, socrates469bc said: bird didi's volume too small to impact on the overall bidding. just use sora 6mths+200 basis can liao. dont go and contribute to increasing the cut-off yield. alternatively, limpeh will go for non-competitive to secure the bills. wahahahahahahahaha Yah my quantity is nano size! Already submit NC liao. Also bid for 3.1%! Cant get nevermind! Next auction can bid! As more people are aware of this, FTs & whales will be auctioning for SGS too! Even NC bid also may not get if over subscribed! 2 Link to comment Share on other sites More sharing options...
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