The post will be up next mid week, stay tuned. I knew I promised you the post on the Ultimate Scorecard. As stated in the past few posts, there will be changes to T.U.B Circle and Super Scorecard. 4. Scorecard has already about 13 Criteria. Other than being my financial service agent, he is also my ex-colleague, a fellow investor and a very good friend. When I knew Poh had become a financial service agent, I started asking him more about insurance. And that’s why in the first consultation session with my clients, I will not introduce any products, instead focusing on learning more about my client’s needs fully. Stanley: I would say, start by learning about businesses first, rather than learning about the market. Stanley: Personally, the current market feels quite high for me, I am not finding as many bargains now in the market. Investing in share market is another investment option to get more returns. Update: Due to 2 of my choices’ share price are less than 20 cents (1 of them being the unstated new Big Idea), they are not part of the stock list.

The investor must, therefore, employ the services of a registered stockbroker for buying or selling shares in a stock market. New investors have a habit of exaggerating their imaginary returns, but stock simulators keep them honest. International Investors recognize that great companies exist throughout the world. Another factor I like about the review was that Poh was also able to provide the full spectrum of insurance products from different insurance companies. The other factor is of course, position sizing. Of course, it turned out to be a fraud, which took me some time to see it. 1,000 phone bills and it goes on Straits Times and Singtel had to come out with some backdating-the-charges-via-a-cheaper-plan way to lower the charges. The theory goes that many potential first-time buyers and move up buyers have been holding off getting into the market and once they see some improvement will rush back in a big way. It is not easy getting all this information.

It is just like investing – if you knew certain information that others don’t of a certain counter, you will most probably have a higher chance of making a right decision on that counter. Only when I am comfortable and positive about the business and its potential, then I look into the valuation and see if it is worth investing in. In the same way as with any other business venture, its wise to perform your research prior to investing in a management franchise. Stanley: I always start with the business. Stanley: I guess best might not necessarily mean the one with the highest return. Maybe I see the best as the one that played out as closely to how I envisioned it. Don’t hesitate about calling a company to find out about its financials. Poh: Two things mainly; firstly, my company Finexis, is one of the largest independently owned financial advisory firm in Singapore. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC (WFCS) and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo any investor should be an educated investor. When investing funds, the main aim of the investor is to get high returns. Stanley: I am mostly a bottom-up investor and very qualitative in my analysis. Stanley: For me, I think at least 30 stocks is a well-diversified portfolio. Furthermore, T.U.B Investing is always about stocks and investing, so talking about personal finance will be hopefully bring about something different. Even though I had a relatively comfortable childhood, living below my means has been really helpful in my investing journey thus far (I’ve only been investing for about 2 years). There is an investment opportunity right now that falls into the category of “new” even though it’s been around for a while. Poh: Do not over insure yourself and use the right products at different life stages.