Start Here
Start Here
New to this blog? Start with these essential guides. They give you a clear, accountant-level foundation in reading financial statements, analysing businesses and understanding what truly matters in investing — especially for Singapore-listed companies.
Essential Guides for New Readers
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How to Read Quarterly Earnings Like an Analyst
A step-by-step walkthrough of how to read quarterly results announcements and extract what matters. -
How to Read a Balance Sheet Like an Investor
Learn how assets, liabilities and equity link together — and what they say about financial strength. -
How to Interpret Cash Flow Statements (The Most Important Skill Investors Ignore)
Understand operating, investing and financing cash flows so you can judge earnings quality. -
The 10 Questions Every Investor Should Ask Before Buying a Stock
A simple decision framework to filter out weak or speculative ideas before you commit capital. -
How I Analyse a Singapore-Listed Company (My Step-by-Step Framework)
See the full process I use to review SGX businesses from business model to valuation. -
The Most Misunderstood Ideas in Investing (Explained Simply)
Clear explanations of commonly misunderstood concepts like yield, P/E, risk and diversification.
Investment Strategy & Psychology
Successful investing is not just about numbers — it is about clarity, discipline and behaviour. These guides help you avoid emotional mistakes, build a sound framework, ignore noise and make decisions based on fundamentals rather than fear or hype.
Strategy & Behaviour Guides
- How to Avoid Being Misled by Headlines — A Guide for Singapore Investors
Learn to separate media noise from fundamentals so news doesn’t derail your investing decisions. - How to Track Your Portfolio the Right Way — A Simple System for Singapore Investors
A clean, monthly tracking system that keeps you focused on long-term results instead of daily price moves. - How to Interpret Analyst Reports (Without Being Influenced or Misled)
Use analyst research the way professionals do — focusing on assumptions, earnings drivers and risks. - The 10 Questions Every Investor Should Ask Before Buying a Stock
A practical pre-investment checklist to avoid impulse buys and low-quality companies. - The Most Misunderstood Ideas in Investing (Explained Simply)
Common myths and misconceptions that hurt investors — and what the numbers actually say. - The Difference Between Good Companies and Good Investments
Why a great business isn’t always a great stock, and how valuation and expectations fit in. - How to Build a Watchlist That Actually Works
Turn a messy list of tickers into a focused, high-conviction watchlist you can act on. - When to Sell a Stock — The 12 Signals Investors Should Never Ignore
A disciplined, fundamentals-based approach to selling — not reacting to every price move.
Dividends & REITs
Singapore is one of the world’s most income-focused markets. These articles help you assess dividend sustainability, understand REIT metrics, avoid yield traps and build a resilient income portfolio that fits the Singapore environment.
Income & REIT Guides
- How to Evaluate Dividend Sustainability (Without Being Misled by Yield)
Learn how to judge whether dividends are supported by cash flow, payout ratio and balance sheet strength. - Understanding Singapore REIT Metrics — Gearing, ICR, WALE, NAV, Yield Spread
A practical guide to the key REIT ratios that signal risk, resilience and DPU sustainability. - Why Singapore Has So Many Dividend & REIT Investors (And What This Means for Your Strategy)
Understand why the SGX is so income-heavy and how to position your portfolio accordingly. - How to Build a Simple, Diversified Singapore Portfolio
A straightforward framework for combining banks, REITs and quality stocks into a balanced SG portfolio. - When to Sell a Stock — The 12 Signals Investors Should Never Ignore
Includes key red flags for dividend cuts, REIT instability and deteriorating income quality.
Singapore Market
Singapore’s market is unique — shaped by income investors, REIT dominance, strong banks and interest-rate dynamics. These guides provide clear, accountant-level insights into how SGX companies work, what drives performance and what matters most to local investors.
Singapore-Focused Guides
- How I Analyse a Singapore-Listed Company (My Step-by-Step Framework)
A complete, practical walkthrough of how I review any SGX company from first glance to investment decision. - The Unique Strengths & Weaknesses of the SGX Market
An honest assessment of what SGX does well, where it struggles and what that means for investors. - Why Singapore Has So Many Dividend & REIT Investors
Cultural, structural and tax reasons behind Singapore’s income-investing culture — and how it shapes your strategy. - Interest Rates and SGX Stocks — Who Wins, Who Loses
See how banks, REITs, developers and other sectors behave when rates rise or fall. - How to Evaluate Singapore Banks (DBS, OCBC, UOB)
The key metrics that truly matter for Singapore’s big three banks — NIM, CASA, CET1, credit cost and more. - Understanding Singapore REIT Metrics
A simple explanation of gearing, ICR, WALE, NAV and yield spread for SGX REIT investors.
Financial Statements
Understanding financial statements is the foundation of successful investing. These guides break down quarterly earnings, balance sheets, cash flow, segment reporting, margins, working capital and return on capital — explained simply for everyday investors.
Guides in This Section
- How to Read Quarterly Earnings Like an Analyst
Learn how to read SGX quarterly results beyond the headlines and understand what really drove the quarter. - How to Read a Balance Sheet Like an Investor
Decode assets, liabilities and equity so you can judge balance sheet strength and hidden risks. - How to Interpret Cash Flow Statements (The Most Important Skill Investors Ignore)
Cash flow reveals the truth behind reported profit. This guide walks through operating, investing and financing cash flows. - Understanding Segment Reporting & Geographic Exposure
See how different business segments and regions contribute to revenue, profit and risk. - How to Analyse Cost Structures & Operating Leverage
Understand fixed vs variable costs and how operating leverage magnifies upside and downside. - Understanding Working Capital Cycles
Learn how receivables, payables and inventory affect cash flow quality and business health. - How to Analyse CapEx: Maintenance vs Expansion
Separate necessary maintenance spending from true growth CapEx and see the impact on free cash flow. - How to Evaluate ROE, ROIC & Return on Capital
Use return-on-capital metrics to identify quality businesses that compound shareholder value.
