What to do in such uncertain times? YZJFH, HLF, SingFinance, MoneyMax & HIHL Earnings Highlights

 

😊📊With geopolitics in Ukraine, Russia, Europe and Trump policies in play, investors can consider to increase their exposure to local Singapore stocks namely to

- Reduce overexposure to Us markets due to uncertainty by Trump administration

- Reduce currency risk in USD assets based overseas

- Reduce potential volatility and increased exposure to dividend paying stocks or reits if they can stomach the interest rate volatility.

 

Here’s a summary of the main points for DBS, OCBC, and UOB based on their recent 4Q24 earnings:

Key Points for Investors:

-📊Strong Dividend Payout: The three banks will distribute a combined S$13.7 billion in dividends for FY24, highlighting their solid financial performance and commitment to shareholder returns.

-Steady Net Interest Income (NII): Their combined quarterly NII reached S$8.63 billion, continuing the trend of exceeding S$8 billion for the ninth consecutive quarter, driven by loan growth, despite the slight decline in the 3M Compounded SORA.

 

Summary for Investors:🏦📈

1. Yangzijiang Financial Holding: Strong profit growth and a solid dividend yield. 💰📈

2. Hong Leong Finance: Consistent profitability and ongoing digital transformation. 📱💡

3. Sing Investments & Finance: Record profit and steady loan growth. 🏦📈

4. MoneyMax: Excellent profit surge with expansion plans. 💎🚀

5. Hotung Investment Holdings: A recovery in income and a strategic focus on global investment opportunities. 🌍💼

 

For more details, check out the repost here:

 

🙂 I specialize in providing tailored stock insights and investment strategies. Let's connect to discuss how I can help you achieve your financial goals. 🤝

😊 Contact me @ https://bit.ly/contactEric

or email @ ohlh@phillip.com.sg

3 key takeaways for UOB recent results: Is it still good to consider? 🙂

UOB Financial Highlights FY2024

1. Record Earnings: UOB achieved a record net profit of S$6.0 billion, up 6% from the previous year, driven by strong fee income and trading & investment gains. 💰

2. Capital Returns: UOB announced a S$3 billion capital distribution package (50% dividend payout ratio), including special dividends and share buybacks, demonstrating confidence in its financial position. 💸

3. Regional Growth: UOB's strategic investments in regional platforms are yielding results and the company is well-positioned to capitalize on ASEAN's growth opportunities amid global trade reconfiguration. 🌏

Stock Price Chart Analysis

UOB stock ($U11.SI) has shown a consistent upward trend. $35.7 serves as a strong support level. 📈

Let's connect on LinkedIn. 

I specialize in providing tailored stock insights and investment strategies. Let's connect to discuss how I can help you achieve your financial goals. 🤝

😊 Contact me @ https://bit.ly/contactEric

 or email @ ohlh@phillip.com.sg

🚀 Ready to take control of your financial future? As a dedicated stockbroker and financial advisor, I’ve completed the Remiser Development Program, gaining cutting-edge insights to help YOU achieve financial independence! 💡 📈

Featured in a recent video, I express my gratitude to SGX, SAS, The Society of Remisiers, Phillip Securities, and my peers for the invaluable learning experience. Check out the SGX video below.

💡 What I have learned from the 3 courses:
1. Essentials of Securities Trading course reinforced the significance of a diversified portfolio and has armed me with proven strategies to assist clients in achieving their financial independence.
2. AI advantage: A practical guide for brokerages course: Allows me to work more efficiently and leverage technology to make my work easier and more impactful especially in a fast moving and dynamic market.
3. Personal Branding: Leveraging Digital Marketing for Client engagement course: Grateful for being able to share what I learned and applied online for my viewers, clients and supporters via the various social medias for increased networking opportunities.

💰 Reach out today and let’s work together to secure your financial freedom! 🌟
😊 Contact me @ https://bit.ly/contactEric
or email @ ohlh@phillip.com.sg

SGX Surges 📈— But What About STI ETF?

SGX

STI ETF 

Two weeks ago, I shared insights on market movements. Since then, SGX has climbed from $12.26 to $13.58 (or new highs as I shared this article), showing strength amid market uncertainty. Yet, STI ETF remains stagnant.

🔹 Why is SGX outperforming while STI ETF lags?
🔹 What does this divergence signal for the market ahead?
🔹 How can investors position themselves for 2025?

As a stockbroker, I help clients decode market trends and identify opportunities beyond the headlines. If you’re looking for a professional’s perspective on navigating this market, let’s connect.

📩 Message me for tailored investment insights.

Disclosure: Investment carries risks. This is for general discussion and not financial advice.

😊 Contact me at ohlh@phillip.com.sg
😊 Start your investment journey: bit.ly/contactEric

Greeting and wishing you A Happy Lunar New Year in 2025!

 

🎉 **恭贺新禧，万事如意！** 🎉 

As we usher in the Year of the Snake, I want to take a moment to wish all my connections, clients, and partners a prosperous and joyful Lunar New Year! 🧧✨ 

This festive season is a time for renewal, gratitude, and looking ahead with optimism. I’m deeply thankful for the trust and support you’ve shown me and my team over the past year. Together, we’ve navigated challenges and celebrated successes, and I’m excited for the opportunities that lie ahead in the coming year. Cheers.

 

May the Year of the Snake bring you: 

🌟 **Abundance** in your endeavours, 

🌟 **Strength** to overcome challenges, 

🌟 **Joy** in your personal and professional life, and 

🌟 **Success** in all your ventures. 

 

Let’s continue to grow, collaborate, and achieve great things together! 

祝大家新年快乐，财源广进，事业蒸蒸日上！ 🐉🧨 

 

😊 Contact me ohlh@phillip.com.sg

😊 To start your investment journey: bit.ly/contactEric

**China 2025 Outlook & Key Investment Opportunities 🚀📈**

 **China 2025 Outlook & Key Investment Opportunities 🚀📈**

 

- **China's GDP Growth 🏯** 

  ✔️ 2024 GDP hit 5% target, mainly driven by strong industrial performance and smart policy support. 

  ✔️ For 2025, expected steady growth at 4.6%, supported by monetary easing and proactive fiscal measures. 

 

- **Top Stock Performers 📊** 

  ✔️ **Yangzijiang Shipbuilding** (YZJ Shipbuilding) – Top STI performer in 2024 & fifth most traded stock by turnover! 🚢 

  ✔️ Strong growth since 2017, diversifying into greener shipping & LNG terminal business. 🌱 

  ✔️ **Tianjin Pharma Da Ren Tang** – 16% total return in 2024, following a huge 93% return in 2023! Big focus on TCM + Western medicine integration. 💊

 

- **FTSE China A50 Index 📈** 

  ✔️ 2024 saw an 18% total return in USD terms. Global interest remains strong, with record trading volumes. 🌍 

  ✔️ Key stocks: Kweichow Moutai, with a slight decline in returns, but a solid dividend yield of 3.2%. 💵

 

- **Sector Shifts in 2025 🚀** 

  ✔️ Focus on **consumer & services sectors**, especially healthcare, retail, and logistics. 📦 

  ✔️ China’s growing openness to foreign investment 🌏, especially in the financial services space. 🏦

 

- **SGX China ETFs 🌟** 

  ✔️ China-focused ETFs like **Lion-OCBC China Leaders ETF** saw 31% returns in 2024! 💥 

  ✔️ AUM in China-Singapore ETFs grew over 3x in just one year! 📈

**Investor Insight 💡** 

➡️ Looking for exposure to China’s evolving economy? Consider sectors like **green shipping**, **healthcare** (TCM + Western Medicine), and **consumer services**. 

➡️ SGX-listed stocks & ETFs offer a solid gateway to China’s growth! 🌱📊

Let’s chat about how these opportunities can fit into your portfolio! 💬

Disclosure: Investment carries risk and is not guaranteed in nature. This is for general sharing purpose only and not a recommendation or financial advice.

😊 Contact me ohlh@phillip.com.sg

😊 To start your investment journey: bit.ly/contactEric

Unlock Market Insights with a Professional’s Perspective

 

STI ETF

SGX

As an experienced stock broker and financial advisor, I believe in the power of visual analysis. A single chart can reveal a wealth of information, but understanding the story behind the data is where the true value lies. Check out the charts.

📊 Market Recap: The STI ETF soared to a high of 3.979 on 8 January 2025, but has since entered a period of consolidation. It seems the market is in a “wait-and-see” mode, with investors cautious about the next big move.

🔍 SGX Performance: SGX also reached a high of 13.09 on 24 November 2024. The question now is—will the rally continue?
💡 What’s next for the STI and SGX? If you’re curious about market trends and how to position your investments, let’s connect and discuss actionable strategies for 2025.
🔑 Get expert insights and advice tailored to your portfolio. Reach out to me for a conversation on how to navigate the current market and unlock potential opportunities.

Disclosure: Investment carries risk and is not guaranteed in nature. This is for general sharing purpose only and not a recommendation or financial advice.

To start your investment journey: bit.ly/contactEric
😊

Disclosure: Investment carries risk and is not guaranteed in nature. This is for general sharing purpose only and not a recommendation or financial advice.

Wee Hur: Is it the right time to invest? Here's a breakdown of its financials!

 

"📈 Wee Hur: Is it the right time to invest? Here's a breakdown of its financials!

 📊 After reviewing the company’s financials for the past few years, Wee Hur (SGX: W05) shows a robust recovery post-pandemic, with steady revenue growth, improving margins, and a significantly improved balance sheet.

🟢 Key Investment Highlights:

- Revenue Growth: +7.7% YoY in FY22 and +4.1% in FY23, with further growth expected in FY25.

- Strong Liquidity: Cash position soared from SGD 53.4M in FY21 to over SGD 400M in FY24e.

- Improved Profitability: Gross margin increased to 23.8% in FY23, with EBITDA margins reaching 21.2%.

💡 If you’re looking to position yourself for long-term growth, kindly let me know as everyone investment goals and financial situations differ hence a good stock may not be the fit for you if you cannot stomach high risk investment. 

Disclosure: Investment carries risk and is not guaranteed in nature. This is for general sharing purpose only and not a recommendation or financial advice. 

Reach out to discuss how this stock fits within your investment strategy or portfolio!

😊 Contact me @ https://bit.ly/contactEric

or email Eric Oh@phillip.com.sg

To start your investment journey: bit.ly/contactEric

😊 

✨ A New Year, A New Perspective ✨

 

Last week, I had the privilege of spotting a white-collared kingfisher—a bird that, to me, symbolizes patience, clarity, balance, and precision. Just like this elegant creature, our journey as financial advisors and investors requires sharp focus, adaptability, and resilience. 

As we enter 2025, let this be a reminder to soar with purpose and stay grounded in our values. The markets may ebb and flow, but it is our vision and persistence that define our success.

 To my fellow practitioners, may this year bring new insights and achievements.

 To my valued clients and prospects, let’s embrace opportunities with confidence and make informed, strategic decisions together.

 Here’s to a year of growth, balance, and prosperity. Wishing everyone a fulfilling and uplifting 2025!

 

😊 Contact me @ https://bit.ly/contactEric

or email @ ohlh@phillip.com.sg

 

To start your investment journey: bit.ly/contactEric