https://grow-your-wealth.teachable.com/

Jack Leow, Singapore (2026)

18/09/2023

This is so funny! Eh, you know, some of the best ideas can pop up when you're in the toilet, sia! It's like your brain decides to take a break and suddenly, "Eureka!"
So, don't underestimate the power of the toilet for inspiration. It's like your personal idea incubator, and you never know what amazing thoughts will flush into your mind next! 💡🚽😄

15/09/2023

"Investing in Stocks are Gamblers, you know!"
Have you heard of someone saying that?
Or investing is so unrealistic, taking such huge risk!
Eh, some people think investors are like gamblers, always taking risks and hoping for the jackpot. But wait a minute, it's not really like that, leh!

Here's why:

1. Calculated Risks:

Gamblers, they go all in, all the time, like they siao. But investors, they take calculated risks, plan strategy, like how you choose which hawker stall to eat at. It's about analyzing odds and making informed choices.

2. Skill and Strategy:

Investors, they're more like skillful poker players, not blindly pulling slot machine levers. They strategize, learn from mistakes, and keep their poker faces on in the market world.

3. No Luck, Hard Work:

Gamblers pray for luck, but investors, they pray for hard work to pay off. They hustle, innovate, and put in sweat and tears, like a chef perfecting their secret recipe.

4. Building Assets:

Investors, they're not just trying their luck; they're buying a part of the business, an asset, something meaningful, like creating a signature dish at a hawker center. It's about leaving a lasting mark, not just hoping for a quick win.

So, don't simply say investors are gamblers, okay? It's more like they're playing a strategic game of mahjong, using their skills, wits, and a dash of luck to win big in the investing world! 🎲📈🚀

14/09/2023

Conflicting PE Ratios....
Still using PE ratio to value a company?
There are many metrics to use, eg discounted cashflow, P/E ratio. They are all about projection. Think about it..
For example, for discounted cashflow, it's a lot on assuming a projection of the growth of the company in 10 years. How accurate can that be?
For the popular P/E ratio, its about the accuracy of the earnings which can be deceived easily with changes in accounting method.
No metrics is perfect.
What I like is to use current P/B ratio and compare to past 5 years to see if undervalued or overvalued. That’s a quick hack.
P is the market price. B refers to book value of the company. Book Value (BV) = total assets less off total liability. BV shows the net worth of the company. It’s like valuing the net worth of a car.
This is how I check if the current stock price is more or less than the net worth of the company. Hope this helps!

13/09/2023

Neglected by Many - the Long Lost Skill of Options Investing

Do you not know that Warren Buffett use this simple option investing strategy? Yet many do not know how to apply.
It is so simple.
It gives you upfront premium and you get the chance to buy stocks at below current market price.
Sounds too good to be true?
Welcome to Options investing - the Long Lost Skill that not many people know how.
Yet this strategy is ignored by many because they do not understand. Yes I agree it is hard to learn from textbook or from youtube. It always seems so complicated.
The most effective way to learn this option investing is through workshop. To be taught, imparted to you. Once you catch it, this skillset will be yours forever. Make an effort to learn.

12/09/2023

This might sound like a "stupid" question but I want to invest on some stocks and they both have different market value and different names, despite being the same company. One may ask.
What does "ADR" stand for? What's the difference between "ADR" stocks and "normal" stocks?
ADR enable U.S. investors to indirectly invest in foreign companies without the need to buy shares on foreign stock exchanges.
In simple terms, it's like having a mask on. It's not the real you.
You don't really own the shares of the foreign companies directly when you buy ADR. Hence in the worst scenario, if ADR company collapses, you don't even have the shares.
Would you invest in ADR companies?

11/09/2023

Question from someone. There’s a racquet club opening near me and a friend of a friend who owns it is looking for investors and it seems interesting to me. I don’t know too much about the opportunity yet but I wanted to gain some knowledge about investing in a business before I do it or do something stupid.

What do you say?

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My 2 cents:

i would think that investing in a local biz is higher risk. (unless you want to support your friend)

As an entrepreneur for the past decade, here's why.

1. Proof of concept not shown. It's all about risk & rewards. The rewards doesn't pay off the high risk.

2. I assume you are not running the biz, only investing. Thus you would not have a clear picture of what's happening in the biz.

3. Let's assume biz really takes off. Then usually the next big issue will occur. How the profit is split. Co-founders quarrel over unfair - who work harder, get lower pay...blah blah blah.

Avoid investing in local biz.

1. Unless you don't mind to lose it all.

2. Just want to support a friend.

3. You have deep pockets. Usually how investors work is they invest in 100 companies etc and 99 will fail. But as long as there's 1 unicorn, they win overall.

Then what?

If you want to invest, might as well invest in US listed company. In great companies only. TIP: Look at who's the top 1% market cap.

10/09/2023

How to help your 11-year-old kid to pay off their university school fees when they grow up?
Do you know Warren Buffett started to invest when he was 11? And he did it through his parent's account.
Plus with the compounding effect, when they enter university, they would have all their student loan paid for. Definitely an edge over others when they enter into society.
By the way do you know how to use a compounding calculator to see the desired results? Check this out free tool: https://shop.beacons.ai/wakeupyourmoney/15ad0f97-fee0-4886-a281-3d6daec2b9e8
What to invest safely? when you think of long-term like 10 or 20 years, the safest is SPY ETF. I am sure you know that. It comprises of 500 great companies and Warren Buffett himself suggested that you are someone who does not want to be involved in investing.
Do them a favour and yourself too!

04/09/2023

Learning to invest.
I’ll keep it simple.

Show you how to invest fundamentally into a company.

1. Pick the right company to invest.

Remember when you buy their stocks, you are buying a part of their business.

Companies should be what you understand and interested in. Look around your environment and do you recognize their brand?

2. What metrics to use to value the worth of the company vs stock price?

In the short term, the stock price doesn’t reflect the actual value of the company worth. Either too high or too low. Look at the future growth of the company. Can it continue to grow in the next 10 years?

There are many metrics to use, eg discounted cashflow, P/E ratio. What I like is to use P/B ratio and compare to past 5 years to see if undervalue or overvalue. That’s a quick hack.

B refers to book value of the company. Book value = total assets less off total liability. It’s like valuing a car worth.

Comment “more” if you want me to share how to use technical chart to optimize your trade.

20/08/2023

Eh, upcoming presidential election in Singapore, sibei exciting hor!
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Choose who sia?
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First thing, must “buay pai seh" (don’t be shy) to do your homework, okay?
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Check out the "CV" (curriculum vitae) of the candidates, see if they got "steady" (reliable) background and experience, can or not?
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Then, must see if they "jio" (invite) their ownself to the "kopi tiam" (coffee shop) and talk to "aunties" (older ladies) and "uncles" (older men), lah. If they know what the "ah bengs" (gangsters) and "ah lians" (tough girls) on the street thinking, then "ho jiak" (good to go)!
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Eh, another thing, ah, check if they got "heart" one, you know? Like, care for the "neighbours" (people), want to make "kampong" (community) better, and all that. If they just "wayang" (put on a show), then maybe think twice lah.
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Also, must see if they got "thick skin" (confident), can stand "kao peh" (criticism) and "complain king" (complainers) one. Singapore got a lot of "kaypohs" (nosy people), you know? So, better choose someone who can "steady pom pi pi" (very stable) under pressure.
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But remember, hor, at the end of the day, your "jiak kang kong" (ownself decide) who to choose. Just use your "common sense" and “buay pai seh" ask questions if you need to. Jiayou(keep going), Singapo!

18/08/2023

Ah, Singapore's reserves, hor! Wah, you know, Singapore really got "bao toh" (well-prepared) one, lah.
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The gahmen (government) very kiasu (overcautious), always save money for rainy days, sia.
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They call it "reserves," you know? Like, stash of kopeks (money) kept aside in case anything "suay" (unlucky) happens.
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These reserves, ah, they include different things lah, like foreign currencies, gold bars, and investments in companies. The government, they manage these "kampong" (village) treasures, and they say it's for the country's long-term stability and future generations, leh.
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Eh, you know, Singapore's past leaders very "swee" (smart), ah.
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They set up this thing called the "GIC" (Government Investment Corporation) and "MAS" (Monetary Authority of Singapore) to take care of these reserves, you see. Like, ensure got good returns, can tahan (endure) inflation, and all that jazz.
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So, these reserves, hor, they like Singapore's secret weapon against any "heng suay" (good or bad luck) situations, like economic downturns or global crises, sia.
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And, even though Singapore small only, these reserves help it stand "steady pom pi pi" (very stable), like the "Ang Moh" countries, you know?
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So, next time you hear people talk about Singapore's reserves, just remember, it's like our "kantang" (potato) chips - stash away, wait for time to makan (eat) when need arises, and "jiak buay sai" (eat until very full) also no problem, lah! So give them a clap well done!
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Plus you think they put reserves in savings bank meh? They invest lah. So you also learn to be like gahmen lah. Steady bo.
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Support support give thumbs up leh!

17/08/2023

Eh, why people so scared scared of stock investing huh? You see lah correct or not…

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1. Takut Lose Money: People worry they invest money, then stock price drop, and they lose all their kaching. Scared later pocket become empty like got hole.

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2. Don't Understand: Stocks sound like some atas thing. People scared jialat they don't understand how it works, like playing chess with no horse sense.

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3. Scared Scared Risks: Stock market can like roller coaster, up and down. Some people scared stomach cannot tahan the twists and turns.
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4. Follow Aunties & Uncles Say: If everyone tio sai and say stocks buey heng, then some people scare follow blindly and sian sian lose money.
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5. No Time: Some say, "Aiya, no time to study stocks lah, busy enough liao." So scared cannot give full focus and end up like blur sotong.
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Eh, but how to overcome these jitters? Here's how:
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1. Study Study Study: No need PhD, but read up, learn from experts, watch YouTube videos, and read news to understand how stocks work.
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2. Start Small: Don't need to throw all your savings at once. Start with small money first, like try sipping coffee before chugging.
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3. Diversify: Don't put all eggs in one basket, so even if one company piak, not all your money kena.
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4. Long-Term Game: Stock market like marathon, not sprint. Keep long-term mindset, don't panic sell when market play punk.
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5. Don't Follow Sheep: Aunties and uncles can be right, but also can be wrong. Do own research and make own decisions.
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6. Tahun Emotions: When stocks drop, don't emo. Keep calm and stay steady like uncle drinking kopi.
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7. Seek Advice: Don’t shy shy, consult experienced investors, like ask for direction when lost in pasar malam. Ask who? Who else, limbei lah.
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8. Take Calculated Risks: Every investment got risks, but like crossing road, look left and right, then slowly cross.
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9. Learn from Mistakes: If lose money, don't cry over spilt milk. Learn from mistakes, like accidentally ordering spicy food.
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10. Practice and Patience: Rome not built in a day, same with wealth. Practice, be patient, and like auntie's soup, let it simmer.
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Remember lah, fear is normal, but don't let it control you like a wife. Ooops…
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Steady bopipi, you can one lah!
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Support support give thumbs up leh! Steady bo!

Jack Leow

18/09/2023

15/09/2023

14/09/2023

13/09/2023

12/09/2023

11/09/2023

10/09/2023

04/09/2023

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17/08/2023

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