Links to Credit Cards Promotions

1. Maybank
2. RBS
3. Diners Club
4. Citibank
5. Standard Chartered
6. HSBC
7. DBS
8. UOB
9. OCBC

Portfolio Management

Key Objectives

• Achieve streams of cash flow
• Manage risk

Strategy

• Core portfolio + Opportunistic portfolio

Core portfolio should be as steady as possible, with the Opportunistic portfolio taking on higher risks to try for higher returns

• Core portfolio will have to cater to the following 4 situations, with the investment vehicles best suited for particular situation, and still able to satisfy the 2 objectives.

	Raising Growth	Falling Growth
Raising Inflation	Property (cash flow thru rental yield)	Inflation-linked bonds (cash flow thru coupon payment)
Falling Inflation	Equities (cash flow thru dividends)	Nominal bonds (cash flow thru coupon payment)

• Opportunistic portfolio can comprise of emerging market indices, small cap equities, etc

Bangkok

This is a non-investment post. More a mental note of what to do and not to do in bangkok.

Hotel:
1) Holiday Inn Bangkok, 971 Ploenchit Road, Bangkok 10330. 50 meters from Chit Lom Sky Train station.
2) Intercontinental Hotel

Tailor:
1) Boss Collections. 502 Amarin Plaza Building. http://www.boss-collection.com/. 700baht for business shirt. 10am-8pm.

Shopping:
1) MBK (Mah Boon Krong). 11:00 - 22:00pm
2) Platinum Mall. 9:00 - 20:00pm

Travel:
1) Take Cab with meters from the hotel lobby. Quite cheap with most destination not exceeding 100baht. 300baht from hotel to airport.

Food:
1) Food courts at MBK and Platinum
2) Taling Pling at Central World. Nice and cheap thai food.

Massage:
1) Healthland at Sathorn. 120 North Sathorn Rd. 9:00 a.m. - 11:00 p.m. Full body 450baht for 2 hours. Legs 250baht for 1 hour.

Do not:
1) Take Tuk-tuk.
2) Go weekend market and night market. Not much bargins there anyway. Might as well shop at MBK and Platinum.

Routine for Retail Investor

Possible routine:

Daily
1) Review news on the companies in your portfolio. Look out for pricing moving news.
Tips: Use reuters to set up your portfolio and reuters will track the news for you.

2) Check on indices levels.

3) Check on trends (determine uptrend or downtrend)
http://sg.finance.yahoo.com/echarts?s=^STI#symbol=^sti;range=1y;compare=;indicator=sma+volume;charttype=candlestick;crosshair=on;ohlcvalues=1;logscale=off;source=;

http://sg.finance.yahoo.com/echarts?s=^GSPC#symbol=^gspc;range=1y;compare=;indicator=sma+volume;charttype=candlestick;crosshair=on;ohlcvalues=0;logscale=off;source=;

Side note: Check on Australia Dollars.


Weekly
1) Review the prices of the stocks in your portfolio to see if there is a need to rebalance.
Tips: Again, use reuters to check out the PE, PB, etc.

2) Check on the following references :

- Greed-Fear index to see if market is operating at extreme levels.
- Valuation of US Market (http://www.gurufocus.com/stock-market-valuations.php)


Monthly
1) Scan for possibe acquisitions
Tips: Use google finance stockscreener for US stocks. For Singapore stocks, poems has a stockscreener too.


Quarterly
1) Review the company quarterly reports

2) Review MTI Quarterly Composite Leading Index


Yearly
1) Review the company annual reports

Banks Preference Shares

Updated Nov 2010

Came across this information on the 3 local banks preferred shares offering:

	UOB Non-Cumulative Non-Convertible preference shares	OCBC Non-Cumulative Non-Convertible	DBS Non-Cumulative Non-Convertible 2010	DBS Non-Cumulative Non-Convertible
Issue Date	09/15/2008	08/27/2008	11/22/2010	05/28/2001
Maturity	Perpetual	Perpetual	Perpetual	Perpetual
Redemption	15 September 2013, 15 September 2018 and thereafter, on each dividend payment date	20 September 2018 and thereafter, on each dividend date	On/After 15 May 2011	22 Nov 2020
Dividend Rate	5.05%	5.1% up to 20 Sept 2018, thereafter 3-Month Singapore Swap Offer Rate + 2.5%	4.7%	6.0% up to 15 May 2011, thereafter 3-Month SIBOR + 2.28%

Original post can be found here.

To find out the 3-Month SIBOR, check out the link in the right panel.

Details of other OCBC Preference Shares (http://www.ocbc.com/global/investorrelations/Gco_Inv_PrefShareBond.shtm):

OCBC Class B 5.1% Non-Convertible Non-Cumulative Preference Shares Level (Currency) Shares Issued Issue Price Issue Date Listing Date (SGX) Liquidation Preference Tier 1 (SGD) 10,000,000 S$100 each 29 July 2008 30 July 2008 S$100 Maturity Dividend Payment Dates Credit Ratings Perpetual 5.1% p.a. (net) 20 June & 20 December Moody's A3 Fitch A S&P A- Redemption OCBC Bank may, at its option, redeem in whole, but not in part, the Preference Shares on: 1.  29 July 2013 2.  On each dividend date after 29 July 2013

OCBC Class E 4.5% Non-Convertible Non-Cumulative Preference Shares Level (Currency) Shares Issued Issue Price Issue Date Listing Date (SGX) Liquidation Preference Tier 1 (SGD) 5,000,000 S$100 each 28 January 2003 31 July 2003 S$100 Maturity Dividend Payment Dates Credit Ratings Perpetual 4.5% p.a. (net) 20 June & 20 December Moody's A3 Fitch A S&P A- Redemption OCBC Bank may, at its option, redeem in whole, but not in part, the Preference Shares on: 1.  28 January 2008 2.  28 January 2013 3.  On each dividend date after 28 January 2013

OCBC Class G 4.2% Non-Convertible Non-Cumulative Preference Shares Level (Currency) Shares Issued Issue Price Issue Date Listing Date (SGX) Liquidation Preference Tier 1 (SGD) 245,830,884* S$0.995 14 July 2003 21 July 2003 S$1.00 Tier 1 (SGD) 150,000,000** S$1.0027 6 August 2003 7 August 2003 S$1.00 Maturity Dividend Payment Dates Credit Ratings Perpetual 4.2% p.a. (net) 20 June & 20 December Moody's A3 Fitch A S&P A- Redemption OCBC Bank may, at its option, redeem in whole, but not in part, the Preference Shares on: 1.  14 January 2009 2.  14 July 2013 3.  On each dividend date after 14 July 2013 * Issued to OCBC stockholders who opted to receive these preference shares in lieu of a special cash dividend ** Issued by way of private placement

OCC 3.93% Non-Convertible Non-Cumulative Guaranteed Preference Shares Level (Currency) Number of Shares Issued Issue Price Issue Date Listing Date (SGX) Liquidation Preference Tier 1 (SGD) 4,000,000 S$100 2 February 2005 3 February 2005 S$100 Dividend Payment Dates  Before 20 March 2015: 3.93% p.a. Thereafter: 3-Month Singapore Swap Offer Rate plus 1.85% On/Before 20 March 2015: 20 March & 20 September Thereafter: 20 March , 20 June, 20 September & 20 December Issuer Guarantor Maturity Credit Ratings OCBC Capital Corporation# OCBC Bank Perpetual Moody's A3 Fitch A S&P A- Redemption OCBC Bank may, at its option, redeem in whole, but not in part, the Preference Shares on: 1.  20 March 2015 2.  On each dividend date after 20 March 2015 # Wholly-owned subsidiary of OCBC Bank

OCBC 7.75% Subordinated Notes due 2011 Level (Currency) Amount Issued Issue Price Interest Payment Date Issue Date Upper Tier 2 (USD) US$1.25 billion 99.794% 7.75% 6 March & 6 September 6 July 2001 Maturity Date In Issue Cancelled Credit Ratings 6 September 2011 US$1.25 billion - Moody's A1 Fitch A S&P A-

OCBC 7.25% Subordinated Notes due 2011 Level (Currency) Amount Issued Issue Price Interest Payment Date Issue Date Upper Tier 2 (€) €400 million 99.614% 7.25% 6 September 6 July 2001 Maturity Date In Issue Cancelled Credit Ratings 6 September 2011 €372 million €28 million Moody's A1 Fitch A S&P A-

OCBC 5.00% Subordinated Notes due 2011 Level (Currency) Amount Issued Issue Price Interest Payment Date Issue Date Upper Tier 2 (SGD) S$1 billion 100% 5.00% 6 March & 6 September 6 July 2001 Maturity Date In Issue Cancelled Credit Ratings 6 September 2011 S$265 million S$735 million Moody's A1 Fitch A S&P A-

OCBC 3.78% Subordinated Notes due 2017 Callable with Step-up in 2012 Level (Currency) Amount Issued Issue Price Issue Date Maturity Date Lower Tier 2 (SGD) S$225 million 100% 28 November 2007 28 November 2017 Interest Payment Date Credit Ratings  Before 28 November 2012: 3.78% Thereafter: 3-Month Singapore Swap Offer Rate plus 1.72% 28 May & 28 November Moody's Aa2 Fitch A+ S&P A

OCBC 5.60% Subordinated Notes due 2019 Callable with Step-up in 2014 Level (Currency) Amount Issued Issue Price Issue Date Maturity Date Lower Tier 2 (SGD) S$712 million 100% 27 March 2009 27 March 2019 Interest Payment Date Credit Ratings Before 27 March 2014: 5.6% p.a. Thereafter: 7.35% p.a. 27 March & 27 September Moody's Aa2 Fitch A+ S&P A

OCBC 4.60% Subordinated Notes due 2018 Callable with Step-up in 2013 Level (Currency) Amount Issued Issue Price Issue Date Maturity Date Lower Tier 2 (RM) RM 1 billion 100% 27 March 2008 27 March 2018 Interest Payment Date Credit Ratings Before 27 March 2013: 4.6% p.a. Thereafter: 5.6% p.a. 27 March & 27 September Moody's Aa2 Fitch A+ S&P A MARC AAA

OCBC 4.60% Subordinated Notes due 2018 Callable with Step-up in 2013 Level (Currency) Amount Issued Issue Price Issue Date Maturity Date Lower Tier 2 (RM) RM600 million 100% 6 June 2008 6 June 2018 Interest Payment Date Credit Ratings Before 6 June 2013: 4.6% p.a. Thereafter: 5.6% p.a. 6 June & 6 December Moody's Aa2 Fitch A+ S&P A MARC AAA

OCBC 4.25% Subordinated Notes due 2019 Callable with Step-up in 2014 Level (Currency) Amount Issued Issue Price Issue Date Maturity Date Lower Tier 2 (USD) US$500 million 99.889% 18 November 2009 18 November 2019 Interest Payment Date Credit Ratings Before 18 November 2014: 4.25% p.a. Thereafter: fixed rate equal to the relevant 5-year US Treasury benchmark rate plus 2.997% 18 May & 18 November Moody's Aa2 Fitch A+ S&P A