🟩 The Straits Times Index is knocking on the door of a historic 5,000 points, and the euphoria in the CBD is thicker than a Kopi C. Everyone looks like a financial genius when the tide is rising, but as a forensic auditor, my job is to look past the sparkles to see the rocks underneath. We are staring at a massive psychological ceiling, and if you are chasing capital gains right now without looking at the fundamentals, you might be walking into a trap just as the smart money starts taking profit. In today's deep dive, I strip away the bull market hype and apply the "hard math" to the day's biggest movers. I’m breaking down Singapore Exchange (S68) and its "Toll Collector’s Bonus," performing a forensic audit on StarHub’s (CC3) alarming 46% profit drop, and analyzing whether Far East Hospit

🟩 The Straits Times Index is knocking on the door of a historic 5,000 points, and the euphoria in the CBD is thicker than a Kopi C. Everyone looks like a financial genius when the tide is rising, but as a forensic auditor, my job is to look past the sparkles to see the rocks underneath. We are staring at a massive psychological ceiling, and if you are chasing capital gains right now without looking at the fundamentals, you might be walking into a trap just as the smart money starts taking profit. In today's deep dive, I strip away the bull market hype and apply the "hard math" to the day's biggest movers. I’m breaking down Singapore Exchange (S68) and its "Toll Collector’s Bonus," performing a forensic audit on StarHub’s (CC3) alarming 46% profit drop, and analyzing whether Far East Hospit

🟩 The Straits Times Index is knocking on the door of a historic 5,000 points, and the euphoria in the CBD is thicker than a Kopi C. Everyone looks like a financial genius when the tide is rising, but as a forensic auditor, my job is to look past the sparkles to see the rocks underneath. We are staring at a massive psychological ceiling, and if you are chasing capital gains right now without looking at the fundamentals, you might be walking into a trap just as the smart money starts taking profit. In today's deep dive, I strip away the bull market hype and apply the "hard math" to the day's biggest movers. I’m breaking down Singapore Exchange (S68) and its "Toll Collector’s Bonus," performing a forensic audit on StarHub’s (CC3) alarming 46% profit drop, and analyzing whether Far East Hospit

🟩 The Straits Times Index is finally knocking on the door of 5,000 points—a psychological barrier we haven't touched in a decade. But if you are looking at your screen and feeling nervous rather than celebratory, you aren't alone. While the headlines scream "record highs," the actual floor is slippery. From valuation fatigue in our most reliable "defensive" stocks to massive revaluation "baths" in the property sector, the rising tide isn't lifting every boat anymore. For investors in the "Retirement Red Zone" (ages 50-65), blindly buying the index at these dizzying heights could mean overpaying for safety that simply isn't there. In today’s deep dive, we strip away the corporate hype to look at the hard math behind the biggest movers of 2026. I break down CapitaLand Investment’s shocking 7

🟩 Welcome to the "Retirement Red Zone" of 2026. If you have checked your credit card statements recently, you have likely noticed a disturbing trend: the banks are quietly "nuking" your rewards. The golden era of swiping for easy miles on insurance premiums, property taxes, and medical bills is officially dead. For retirees and investors over 50, this isn't just an annoyance; it is a massive leak in your lifestyle portfolio that is costing you thousands in lost travel value while inflation eats away at your cash In this episode, we are conducting a full 2026 Retiree Mile Audit. We are moving beyond the simple "swipe and hope" strategy to deploy institutional-grade arbitrage tactics. I will break down exactly how to bypass the new "MCC Nukes" using specific tools like CardUp and Citi PayAll

🟩 Welcome to the "Retirement Red Zone" of 2026. If you have checked your credit card statements recently, you have likely noticed a disturbing trend: the banks are quietly "nuking" your rewards. The golden era of swiping for easy miles on insurance premiums, property taxes, and medical bills is officially dead. For retirees and investors over 50, this isn't just an annoyance; it is a massive leak in your lifestyle portfolio that is costing you thousands in lost travel value while inflation eats away at your cash. In this episode, we are conducting a full 2026 Retiree Mile Audit. We are moving beyond the simple "swipe and hope" strategy to deploy institutional-grade arbitrage tactics. I will break down exactly how to bypass the new "MCC Nukes" using specific tools like CardUp and Citi PayAl

🟩 DBS just announced a record S$13.1 billion profit for FY2025, yet the share price immediately took a hit right at the open. For investors in the "Retirement Red Zone," this market tantrum is a flashing warning sign that the "easy money" era from high interest rates is officially over. If you are banking on that fat dividend for your retirement in Bedok or Jurong, you need to look past the "Record Profit" headlines to understand why the "Lion City" market is suddenly nervous about its national champion. In this deep dive, we strip away the corporate marketing to reveal the "hard math" behind the report. We break down the alarming NIM (Net Interest Margin) squeeze that threatens future payouts, the double-edged sword of their massive "Deposit Fortress," and why the 4Q2025 profit dip is a m

🟩 Is the "Golden Age" of Singapore banks finally over? If you’ve been watching the Straits Times Index this week, you’ve likely felt that familiar anxiety as our traditional safe havens like DBS took a hit after missing earnings expectations. Many investors in the "Retirement Red Zone" are wondering if this 4,934 level marks a market top or if we are just seeing a temporary tantrum. The fear of a pullback is real, especially when the reliable dividends we depend on seem to be under pressure from shifting interest rates and global uncertainty. But what if I told you this isn't a collapse, but a massive sector rotation into the "Second Engine" of the Singapore economy? In this video, I break down exactly why the smart money is quietly moving away from pure banking plays and into the new heav

🟩 The Straits Times Index is flirting with the critical 5,000-point psychological ceiling, a milestone we haven’t seen in a generation. For investors in the "Retirement Red Zone," this euphoria brings a dangerous temptation to chase gains just as the market hits a potential peak. With bond yields sliding and US tech volatility spilling over into Asia, the big question remains: are we on the verge of a historic breakout, or is the "Smart Money" already quietly heading for the exits while retail investors rush in?In this episode, we strip away the corporate hype to look at the "hard math" behind the week's biggest movers. We break down the massive "Valuation Gap" in Singtel following its KKR deal, analyze why CapitaLand India Trust (CLINT) has suddenly become a market darling, and investigat

🟩 The "boring" Singapore market just woke up. The SPDR Straits Times Index ETF (ES3) has smashed through the five-dollar barrier, proving the critics wrong who called the STI a "flatline" index for years. But now that we are trading at record highs in February 2026, every serious investor is asking the same dangerous question: Is this the peak before a painful drop, or is the Singapore yield engine just finding its second gear?In today's video, we strip away the noise and look strictly at the math. We’re breaking down the "Bank Fortress" capital driving the eighteen-cent dividend payout and analyzing why the fund is trading at such a premium right now. But we aren't just looking at the good news; I’m also exposing the three critical red flags—including the "NIM Squeeze" and mean reversion

🟩 The Straits Times Index is knocking on the door of 5,000, a psychological milestone that brings both excitement and vertigo to the Singapore market. While the headline numbers suggest a broad bull run, a look under the hood reveals a "spicy rotation" where cost pressures are mercilessly separating the quality wheat from the chaff. We are seeing a market environment where the "easy money" phase is fading, and the gap between institutional winners and retail traps is widening rapidly. If you are blindly buying the index at these elevations, you might be exposing your retirement portfolio to risks that the mainstream headlines aren't covering yet. In this deep dive, we strip away the noise and look at the raw math behind the market's biggest movers. We analyze whether SGX Group (S68) has ru

🟩 Singapore is officially launching its National Space Agency in April 2026, and the hype surrounding ST Engineering (S63) has reached stratospheric levels. With a massive $32.6 billion order book and headlines promising a new era of satellite constellations, the narrative is intoxicating. However, with the stock trading near $9.95 and P/E ratios hitting 40x, smart investors are asking the ten-dollar question: Are we buying into the final frontier, or just chasing a financial mirage?In this deep dive from the Pit, we strip away the sci-fi headlines to examine the hard numbers behind the "National Champion." We analyze the new Incremental Dividend Payout Model to see if the future yield can actually justify the current premium. We also put S63 through a rigorous Health Check, comparing its

🟩 The Straits Times Index is nearing the massive 5,000-point mark. This height makes many investors nervous. Are you sitting on cash and waiting for a crash? You might be making a mistake. The big banks are taking a break. But the "second engines" of the market are finally firing up.In this video, I reveal the structural shift happening right now. We dive into the heavy hitters waking up in the industrial sector. I analyze Mapletree Industrial (ME8U), ESR-LOGOS (H78), ST Engineering (S63), and Keppel Infrastructure (A7RU). We look at why recent price drops are actually opportunities. I also explain why "boring" infrastructure is your best defense today.

🟩 The Straits Times Index has flirted with the massive 5,000-point milestone, creating a dangerous dilemma for retirees. If you are managing a $500,000 retirement engine, you are currently stuck between the momentum of a record-breaking run and the cold data suggesting a historical peak. This isn't just about chasing gains anymore; it’s a forensic audit of how your nest egg behaves when the easy money phase ends and volatility begins In this deep dive, I strip away the "record high" headlines to compare three distinct paths for your capital: the passive tracking of the ES3 ETF, the active growth potential of LGSDE, and the defensive utility of short-duration bonds like LGSDBF. We analyze the impact of the MAS "Hawkish Hold" on bank dividends and calculate whether a 3.6% yield is enough to

🟩 In this deep-dive, Iggy breaks down CapitaLand India Trust’s FY 2025 results and asks a simple question: is CLINT a tax-optimised dividend machine or a growth slowdown in disguise? We walk through the 15% DPU surge, the “onshore debt” tax-arbitrage gambit, and how capital recycling and asset divestments are powering distribution growth ahead of property income. You’ll see why a 5.7% yield plus 15% DPU growth looks incredible on the surface, but also where the cracks might form: Pune’s weak occupancy, TCS tenant concentration risk, gearing creeping towards 40%, and a S$420M data centre capex bill due in 2026. We also break down key metrics like rental reversions, interest coverage ratio, and capital expenditure so you can read CLINT’s slide deck like a pro. Read the full in-depth article

🟩 For years, dividend investors have sat on the sidelines of the AI boom, watching tech stocks rally while our yields remained flat. We’ve heard the narrative about insatiable demand for chips and cloud computing, but for many of us, that growth hasn't trickled down into our bank accounts. The promise of data center wealth often felt like a story without the cash flow to back it up—until now.In this deep dive, we break down Keppel DC REIT’s explosive Fiscal Year 2025 results, which just slapped a massive confirmation on the table. We analyze the shocking 45% rental reversion that signals a historic shift in pricing power and unpack the "elite" financial engineering behind their debt strategy. We also look past the headline numbers to expose the real impact of dilution and ask the hard ques

🟩 CDL Hospitality Trusts (SGX: J85) just popped after its 2H 2025 results, and many income investors are now stuck on one stressful question: is this the start of a real recovery, or just a “dead cat bounce” that fades when travel demand cools and new hotel supply hits Singapore in 2026? In this episode, Iggy breaks down what the headlines miss—starting with the one hotel REIT metric that can quietly predict your next distribution: RevPAR. Then we run CDLHT through a simple, repeatable framework (Health Check, Wealth Check, Price Check, Future Check) to see what the balance sheet, payout quality, valuation discount, and refinancing risk are really saying. Read the full in-depth article with video at YOUTUBE ➡️ https://youtu.be/GAnho0JGlXU SUBSTACK ➡️ https://open.substack.com/pub/investing

🟩 Is the Singapore Exchange (SGX) offering us a golden opportunity or setting a golden trap? With the massive hype surrounding the launch of three new Singapore Depository Receipts (SDRs) this Monday, including China’s gold giant Zijin Mining, the headlines are screaming "Buy." But for smart investors, the flashy press releases and soaring turnover numbers hide a dangerous volatility trap that could wipe out your portfolio in a single afternoon. If you are chasing yield without understanding the difference between buying the commodity and buying the miner, you are driving blind. In this video, we strip away the marketing noise and look strictly at the math behind the launch. We take a deep dive into the "Commodity Volatility Trap" and perform a rigorous 5-Step Health Check on Zijin Mining

🟩 Waking up to a sea of red in your portfolio is never fun, especially when the "guaranteed" trade of the year collapses overnight. For months, the narrative was simple: the US Dollar is dying, so buy Gold and Silver. But yesterday, that story burst with a violent 11% drop in Gold and a near-liquidation event in Silver. If you’re holding commodities or crypto, you just watched a massive chunk of value evaporate. What triggered this sudden "Warsh Shock," and is it a temporary panic or a permanent shift? In this video, we unpack the "Debasement Trade" and why the nomination of Kevin Warsh as Fed Chair has flipped the market script from "easy money" to "hard math." We aren't just looking at US charts; we’re breaking down exactly what a stronger Greenback means for your HDB mortgage, your cost

🟩 The stock market headlines are screaming about new highs, but your portfolio might feel stuck in the mud. There is a hidden "tug-of-war" happening right now between stock growth and high interest rates. While the green arrows look good, the bond market is quietly warning us that rates will stay higher for longer. This creates "invisible gravity" that weighs down share prices and shrinks the profit you make for taking risks. If you don't understand this trap, the price movements this week won't make any sense. In this video, I go "back to school" to explain the Risk Premium. This is the simple math that tells us if a REIT is actually cheap or just dangerous. We look at the "Operational Alpha" that made Suntec REIT jump 13% and the "Dilution Mechanics" that are keeping Keppel REIT down. I