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ERM

A tale of two investing styles: ERM and AWP portfolio results for 2023

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Happy New Year! I am pleased to present the results of two portfolios! Here’s how they performed in 2023. 1) Early Retirement Masterclass For intermediate investors, the ERM portfolio is a low-beta, high-dividend portfolio with significantly less risk than the markets. It is a composite portfolio comprising 32 batches worth of students over the past … Read more

3 S-REITs that increased dividends in 2023

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Increased interest rates and inflation pulled the rug from many Singapore REITs this year as REIT managers scramble to improve their debt management and cost of capital. To deal with the increased costs, many REITs lowered their dividend payouts (aka distribution per unit) in 2023. In the face of lowered dividends and the availability of … Read more

Why Dividends are the Best Form of Mental Wellness

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Thanks to a face-to-face Dr Wealth event last Saturday, I’ve been reminded of how much I used to enjoyed speaking to a big crowd. Talking to an audience gives me a “high”, and sometimes I get “high” and disable my filters. So occasionally, I make utterances that might be highly controversial or offensive. For those … Read more

Cash vs Scrip Dividend: Is receiving dividends as cash or shares better?

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Dividends are vital to an investor’s total return from owning stocks. They offer a consistent income stream and can be rewarding to participate in a company’s profits. However, when it comes to dividend payouts, we are sometimes faced with a choice: should we opt for cash dividends or scrip dividends (also known as stock dividends)? … Read more