Interview With AK: An Investor Who Collected $200K In Dividends In 2022

Рет қаралды 123,882

11 ай бұрын

In this episode, we chat with AK -- a reclusive Singaporean investor who received over S$200k in dividends last year alone. The author of A Singaporean Stocks Investor (ASSI) blog, AK is a long-time 'legend' in the local investment scene.
We chat with AK, how recent macroeconomic events have shaped his portfolio, and whether he's eyeing anything in the stock market right now. If you're interested in learning from someone who's built a six-figure annual dividend income over the years, this is one to watch.
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Here are a few more investing tips and tutorials to help you out:
HOW TO INVEST IN DIVIDEND STOCKS
• How To Invest And Make...
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• How To Invest In REITs...
HOW TO GROW YOUR CPF FOR RETIREMENT
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Пікірлер: 171

@sassy19a 11 ай бұрын

Thanks for inviting the legend!

@propertystories 11 ай бұрын

3P's: Patience, Prudence, Pragmatism What an awesome philosophy to live by. I also like the fact that he knew what he wanted from the get go and stuck to his guns. Also goes to show you don't have to love your job too 😆, a job earns money which is a tool to leverage or build the life you want. Thanks Fifth Person for bringing him on.

@xy9910 11 ай бұрын

精彩的访谈! 感恩AK这些年的分享，提高了我的财商，改善了我的财务状况!

@lovelyday20121 11 ай бұрын

Many thanks to AK for his willingness to share in person! Looking forward to more future sharing sessions! Kind of indirect endorsement for The Fifth Person investing course that is highly recommended by my friend!

@netviper 11 ай бұрын

Without AK, I won't be where i am today. Trusted advice and straight to the point. And that's how i got to know Fifthperson :)

@user-he4pj4ze9n 11 ай бұрын

Great interview. I've been following AK's blog for many many years!

@TheFifthPersonChannel 11 ай бұрын

Thanks!

@cathhl2440 11 ай бұрын

👍🏻 We really need the older generation to speak up and mentor the younger.

@piratepixels 11 ай бұрын

AK provides good financial advice and it is free of charge. Highly recommended especially his advice on CPF.

@teanchu 11 ай бұрын

Have been following ak’s blog for years !

@ambition112 11 ай бұрын

2:38: 🎙 AK, a legendary Singaporean retail investor and author of the blog 'Singaporean Stocks Investor Assi', discusses his retirement and encourages early retirement for those who are financially prudent. 4:39: 💼 The interviewee built a portfolio of dividend income over the years, starting with trading and later focusing on REITs and banks. 10:40: 💰 Investing in dividend-paying stocks provides predictable income, especially for retirees or those planning for retirement. 16:23: 💰 The speaker discusses the concept of an upside-down pyramid for investment portfolios, with cash and income-focused investments at the bottom and speculative positions at the top 21:49: 📉 The speaker discusses the risks and challenges of investing in dividend stocks, including the possibility of stocks stopping dividend payments during crises. 26:49: 💰 Investing for income requires consistency and adaptability, and most people cannot handle volatility. 31:25: 💼 AK emphasizes the importance of dividends and having a strong balance sheet in investing. Recap by Tammy AI

@G0n9G0n9 11 ай бұрын

Happy to learn for the past 8 years. Into CPF then reinforced by Mr Loo

@Jankl7015 11 ай бұрын

Please invite AK to your KZfaq regularly, his knowledge of investing is valuable .thanks

@FoodieWarrior 11 ай бұрын

AK is the one who inspired my investment journey! 😁

@valentinakornilova8734 7 ай бұрын

The self - confidence you have make me feel secured about this strat

@Alejandro-cj1ge 11 ай бұрын

Great interview guys. Loading on REITS now. I didnt know this guy. He is cool.

@hatchegg80 11 ай бұрын

AK super sensible guy, listen to him, not the get quick rich gurus and their youtube ads

@karenlye4493 20 күн бұрын

Thanks for sharing AK

@jierenzheng7670 11 ай бұрын

Been a long time AK! Glad to see you are looking good :) Pioneering putting money in CPF before the current 1M65 too

@ggyubari5687 11 ай бұрын

I enjoyed this. Thanks.

@HL2002 9 ай бұрын

Really great to see AK. Stay healthy. Stay active and continue talking to yourself. I really like the part AK speak about on Growth stocks. Growth is really difficult to compute. I remember two years ago where at one time Tesla had a PE ratio of 2000. When the price is that high, the predictability drops. Like what AK says, money is not easy to earn, no need throw everything in.

@ChanHianGim 11 ай бұрын

Interesting talk. So Singaporean! What AK Said, happened to any investors here.

@kevinlee659 11 ай бұрын

Good interview with AK, thanks guys.

@TheFifthPersonChannel 11 ай бұрын

Thanks Kevin!

@micTie7774 11 ай бұрын

Great video 👍....i have been a follower of AK's blog and learnt so much from him over the years! Looking forward to watch many more interviews with him in future.... I hope he could share his portfolio (not in dollar value to respect his needs for privacy), just in terms of proportion % on stocks composition, e.g % in banks, reits, transport, etc.... Thank you!

@serenebysi 11 ай бұрын

the worst investment is savings insurance, it lock the money 10-20years, and give miserable 3% interests, buyer is losing in inflation yearly, and when there is a need of money, the buyer has to 6% interests rate for loan.

@BoonTee 11 ай бұрын

Great video! Fantastic interview. I only have one complain... it is too short. So please get AK back for another episode!

@learninvestearnsave 11 ай бұрын

Agreed, too short!

@francisloh534 10 ай бұрын

Always enjoy AK sharing. Transparent n educational

@TheFifthPersonChannel 10 ай бұрын

Glad you enjoyed it!

@angieN2288 11 ай бұрын

Thank you to The Fifth Person & AK for organising this for us. My dad introduced AK to us since more than 10 years ago. Great advice on "Patience, Prudence and Pragmatic"

@TheFifthPersonChannel 11 ай бұрын

Our pleasure!

@sufiansupari 11 ай бұрын

Legend. Been following him for many many years.

@TheFifthPersonChannel 11 ай бұрын

Legend indeed!

@hanhsiangwong3065 11 ай бұрын

Love this video, good one. He is so AK

@TheFifthPersonChannel 11 ай бұрын

Quintessentially.

@simpleme1256 11 ай бұрын

Really a realistic investor 😊😊😊😊

@stephanetalboom6842 11 ай бұрын

Nice interview

@TheFifthPersonChannel 11 ай бұрын

Thank you!

@jacklim5973 11 ай бұрын

AK - POWER!

@FoodieWarrior 11 ай бұрын

Power of CD! 💪

@CalLim_8 11 ай бұрын

aiyo can we have a longer version? such a nice interview and entertaining

@ddzzz9031 4 ай бұрын

What a wise man AK ..... I am learning so much just from this talk

@TheFifthPersonChannel 4 ай бұрын

Glad it was useful for you!

@bkai7777 11 ай бұрын

Thank you AK! I have learnt something from this interview session!

@marvelcomiks8078 11 ай бұрын

Basically, he invested in stocks with part of his monthly salary every month and kept the stocks. No different from the S&P. Almost everyone who did it became a multi-millionaires. Nothing miraculous.

@chrisdottanck 11 ай бұрын

Perhaps the gist lies more in the discipline, not the tool.

@garyoakham9723 11 ай бұрын

Then why isn’t everyone a millionaire?

@Duchy.of.Cornwall 11 ай бұрын

Because not everyone earns enough to have spare savings to invest and also not everyone is disciplined

@kenjimiao967 11 ай бұрын

@@garyoakham9723 many has lost to something called "patient"

@cathhl2440 11 ай бұрын

@@garyoakham9723Those who are eager to be rich won’t have the patience. They will buy lottery tickets instead.

@kelvinth30 11 ай бұрын

i totally know what AK is talking about . I'm was 45 retired into doing a business i love doing everyday , doesn't seems like work . And i also invest in dividend stocks , trading stocks . Achieved 3 freedom : Finance , Time & Mind . All these will not happen if I'm still working for others & being employed.

@osirusj275 11 ай бұрын

is there a time you felt lost on what you want to do before you full force doing what you love?

@user-dx3bt5wd1p 11 ай бұрын

what is your net worth?

@labopanalop2016 11 ай бұрын

Say he invested all in good stock Frasers L&T Trust. A good Reit, give him 6%/yr per share in dividend or $0.06 / share. And say all his dividend stocks are giving this dividend. In 2022 he received SGD$200k of dividends. That means he owns $200,000/$0.06 = 3.333 millions shares. 3.333 million shares × (ATH 1.57 - ATL.1.07 in 2022) = SGD1.666mil capital depreciation in 10 montha that year. But if he bought at $1, his total capital appreciated by 3.333 millions x (ATL 1.07 - Cost price $1) = $233,310. Mean net for 2022 asset is dropped by 1.66 mil - 233,310 = 1.43 mil from ATH that year. This does not mean AK71 lose this amount or we are sore about his success. Far from it because he had invested very early when they are a lot cheaper and he said he had moved significant amount out of Reits to banks due to predictable high interest rate. Smart guy. But not everyone is as savvy as him in timing and stock picking.

@kakaboo 11 ай бұрын

@@labopanalop2016 he bought DBS at $16-$17 in 2016, its already more than 100% returns if include dividends

@WaiPengC 11 ай бұрын

So good to hear his voice. I followed his youtube.. but the voice is generated by machine... lol

@TheFifthPersonChannel 11 ай бұрын

He can be pretty shy... =P

@willeu1770 11 ай бұрын

A fantastic interview! 👍

@TheFifthPersonChannel 11 ай бұрын

Glad you enjoyed it!

@PaperPlay_ 11 ай бұрын

wealth can never hide various NS experience 🕶️😷

@sltan08 11 ай бұрын

Yes!. agreed. with AK. He has no confidence on the New SATS ..management due to the rights issue and borrowing money $$$ to acquire WFS.. Hence he sold his stakes.

@MrBoliao98 11 ай бұрын

AK Why OCBC? I'm perplexed. I sit through the agm, I tot they were the most "frightened" sounding. UOB very the confident, DBS same but before Credit Suisse.

@johntan2582 11 ай бұрын

Thanks for the information. We are newbie and fist know about investment and signed up the first investment course known as GIM - Superstock by Kelvin Seetoh and Jonanthon company. They talk about 10x and forget about 5 to 7% ... now the entire portfolio failed ...... very sad on this and they close up the training after earning heaps of our hardearn money .... really sad...

@munsenglee5633 11 ай бұрын

Its painful no doubt..but just move on, newbies usually got time on their side which is extremely impt for compounding. A lot of us also paid a lot of tuition fees, one way or the other..its good to get the hard lesson earlier rather than later, IMO.

@byang 11 ай бұрын

The way he talked is really funny, hope he has his own youtube channel one day!

@TheFifthPersonChannel 11 ай бұрын

He has his own youtube channel at AK71SG =)

@byang 11 ай бұрын

@@TheFifthPersonChannel Omg, thought he is the type who doesn't want to be in the limelight so it didn't occur to me to do a search for his channel! Thanks for telling me!

@kakaboo 11 ай бұрын

@@byang yes he still doesnt want to be in the limelight, his youtube channel is all ai generated voice

@dailynewslateshowetc9694 11 ай бұрын

More important than absolute dividend is the yield. So taking $200k on an average of 4% yield, his portfolio is around $5 mio thereabout

@TheFifthPersonChannel 11 ай бұрын

What's more important is how he got there. =) AK has been investing for 30 years now. Started during his Uni days with a few thousand dollars. He grew his initial pot via trading -- which he mentioned, put his portfolio up to about $500K... after at which he switched to dividend investing. If its really as per you said at $5M... then isn't the journey to $5M more impressive?

@leeaaron7856 11 ай бұрын

I like his approach on using 3 Ps. It is what i also adopt in my own business. IMO, what is dont usually trust in stocks is that you dont have control over your income. The dividends that are paid are determined by the companies and you don't have any say of how the companies operate. IMO, they are not stable over the long term. True, the large companies like the banks do give stable dividends. But they are still not under your control. The best way to ensure stability of income permanently is to do something that you can control. Such as, setting up your business by adopting the 3Ps. That way, you can predict better how it will grow and set up a team of dedicate people to help manage it for you. There is more fulfillment to this. Furthermore, business is a legacy that can be passed on to the next gen. This is just my opinion. It really boils down to ones preference on what he or she is willing to make an effort in life.

@effervescentrelief 11 ай бұрын

Dividend funds are a good way to go. So long as there are stock markets there will be companies paying dividends. At times one might need to reallocate, but dividends will always be there.

@jollyroger1009 10 ай бұрын

Good, solid conservative comments from AK as usual. Definitely worth listening to!

@TheFifthPersonChannel 10 ай бұрын

Thanks for listening!

@johntan2582 11 ай бұрын

I agree, many unit trust... i lost heap of it...

@singoptions 11 ай бұрын

wow. his profile quite similar to mine - fired 7+ years ago and getting cpf in 3 years time. haha...i guesstimate his pot is worth 3 to 4mil. at 5 to 6% div yield, that generates about 200K p.a. passive. difference is while his is mainly into stocks, my pot got more pattern - bonds, stocks, options and prop. 😅

@prana888 8 күн бұрын

what’s your annual dividend income?

@globetrotterca 11 ай бұрын

Will there be a part 2?

@BlackSwan-sq2iw 11 ай бұрын

IMO, it's not all dividend or all growth. Depending on age, you allocate differently. When a person is young, there is longer run way and higher risk tolerance. Therefore, a younger person can allocate more to growth stocks. Growth stocks can increase the portfolio value much faster if done in the right way. A lower risk way to do it is to DRIP in ETFs like QQQ. Over a long period of time (>10 years), QQQ return is very substantial. Yes, volatility is high, but if you're looking at >10 years horizon, the risk is actually not high (volatility does not equal risk in the long run). Therefore, no stock picking is required. After middle age, one can start to build a larger dividend portfolio by redeploying money from the growth portfolio. For me, I started about 30 years ago, starting with 90% growth and 10% dividend. Now, I'm 80% dividend and 20% growth. Over a career lifetime, one could build up a substantial asset and to support continuous income post retirement that way.

@OfficialRapMV 11 ай бұрын

QQQ is very risky, super concentrated in tech. I'd recommend buying VOO instead.

@BlackSwan-sq2iw 11 ай бұрын

I have a different opinion. Tech is disrupting traditional industries and tech will drive value creation for the foreseeable future. On the other hand, those supposedly weather-proof blue-chips in traditionally "safe" industries will be disrupted instead. Hence, they will no longer be as safe as they used to be. Therefore I would recommend having exposure to tech in our portfolio. The weightage is a personal's choice. Especially for younger investors with longer horizon and more tolerance to volatility should include a reasonably significant exposure to tech.

@ShindoSensei 11 ай бұрын

@@BlackSwan-sq2iw omg your strategy is exactly like mine! Im mid 30s now, and also allocated 100% QQQ, i am looking at 20 year horizon minimum and transitioning to dividend/income strategy after. 100% agreed with everything you mentioned. I am also in tech myself and firmly believe it will outperform all sectors over a long term horizon

@ashleykoh8885 11 ай бұрын

but if u invest in QQQ or VOO isnt it a US stock and u would have to pay a 30 percent withholding tax?

@Theasiankiddo 11 ай бұрын

There are Growth stocks and there are Dividend stocks but there are also Growth Dividend stocks that people need to find as well.

@takeweeseah5048 11 ай бұрын

Sg Passive income Grandmaster

@TheFifthPersonChannel 11 ай бұрын

🧙

@TheBebemom 11 ай бұрын

Let me make a guess: He should be a Taurus or 20% virgo, chose to be single (because he find kids too expensive and a hindrance to his retirement) and doesn’t really touch property investment

@littledrummerboy9080 11 ай бұрын

Let's say the return is 20%, the capital is $1m. Out of reach for many if not most retail investors. Definitely out of league for me. But definitely a goal and motivation for others to aim for and emulate.

@TheFifthPersonChannel 11 ай бұрын

AK started out when he was 21, he's 52 this year.... retired at 45. When we knew him 13 years ago, he's already taking home 120K in dividends / year. If you reinvest those dividends to buy more dividend assets, it'll grow over time too. Took some time, but slow and steady wins the race.

@kakaboo 11 ай бұрын

@@TheFifthPersonChannel but he did mention he made 500k from trading alone in his younger days. and also in his blog last time he made a bit off property too.

@peanut0brain 11 ай бұрын

I invested in dividends paying stocks 3yrs ago with $350k. I never added anymore $. Now it's almost double. It'll probably reach past $1M very soon especially bull market is here. You dont need $1M to start. You reach $1M later😂

@ron2040 10 ай бұрын

@@peanut0brainwhich country 's dividend paying stocks? US or Singapore?

@temasekb 11 ай бұрын

finally a follow up since last vid

@Wuyh99 11 ай бұрын

what stock did he mention abt the peter lim thingy?

@eugeneteo9664 7 ай бұрын

the steel pot helmet can also be use for cooking maggi mee!

@TheFifthPersonChannel 6 ай бұрын

You must be a lao jiao

@joelchua318 11 ай бұрын

Keen to hear AK and the Fifth Person team’s thoughts on the Chinese banks which are paying good dividends

@Edge5483 10 ай бұрын

Investing in stock market need high virtue..depend what kind stock..and invest only 30% of all ur wealth to suggest

@Czarjonz 9 ай бұрын

That pyramid is a great idea.

@MsPaperbear 11 ай бұрын

What's the return % p.a.?

@tomutosa1288 11 ай бұрын

"The person inside (KZfaq) is not a guru but a gundo!" LOVE IT! 😁

@ceejaydeesoozaa 11 ай бұрын

WOW ONE OF THE BEST LOCAL INTERVIEWS IVE SEEN IN A WHILE. THANKS BROS FOR DOING THIS

@achua5566 11 ай бұрын

AK, what books would u suggest investors should read? Thanks!

@rheuevr 11 ай бұрын

How he got to 5m?

@obgprasa 11 ай бұрын

Will be interesting to know the capital outlay to achieve this return.

@billtay2839 11 ай бұрын

what's the estimated capital outlay for achieving 200k in dividends per year?

@jimihendix12 11 ай бұрын

If 6% then should be 3.4 mill ba

@hzt6000 11 ай бұрын

my guess is at least 10M net worth under his belt, the dividend stocks might form a large part of the net worth. For normal folks to reach that level , you need to speculate in business or in growth stocks to get that few pots of gold then you can diversify to maintain the wealth. Base on salary alone will takes many decades and MAYBE reach these numbers in your 60s or 70s. You need to speculate to reach accumulate stage.

@wildreams 11 ай бұрын

19:56 AK suanning ML issit.

@raydonovan8103 11 ай бұрын

That part quite funny! 🤣

@2009darrenchan 11 ай бұрын

Hi, love your content! The ebook link doesn't seem to be working.

@TheFifthPersonChannel 11 ай бұрын

Thanks Darren! Which link are you referring to?

@2009darrenchan 11 ай бұрын

@@TheFifthPersonChannel Apologies, it was my device's error.

@jemiez9383 10 ай бұрын

Trading and investing with high risk is the way if we are still young but when we get older its better to switch to dividend investing in stocks or bonds. Just YOLOing when we is still young because massive profit is out of reach playing the market with conservative strategies😂

@ALim-bs5ze 11 ай бұрын

Investing for growth or capital gains require 3 questions to be answered:- what to buy, when to buy & when to sell. These questions are even more frequent in day trading. Investing for dividends generally do not require the 3rd question to be answered which reduces the stress in investing. Moreover for people earning salaries, dividend investing provides a clearer financial target for retirement. Preferably the dividend income should equal the salary, but at least should be above the monthly expenses.

@fresnaygermain8180 11 ай бұрын

Inflation, bank collapse, severe drought in the agricultural belt, recession, food shortages, diesel fuel and heating oil shortages, baby formula shortages, available automobile shortages and prices, the price of living place.

@melonmusk6087 11 ай бұрын

he is much older tho, what works previously won’t work now

@sogreatray 10 ай бұрын

whats the total value of his portfolio?

@Wannatoberich 11 ай бұрын

Master Leong haha

@johntan2582 11 ай бұрын

Speculative Incom + growth Income Cash

@HoneyMoneySG 11 ай бұрын

The man, the myth, the legend. If AK can do it, so can you!

@ryanliew3372 11 ай бұрын

Just curious if AK dividends were 200k in 2022, what was the drawdown incurred during 2022 crash?

@TheFifthPersonChannel 11 ай бұрын

Hey Ryan, the 2022 crash were mainly tech stocks in the U.S. AK invest only in SG markets. the drawdown, if any, were minimal. But you definitely can follow him on his investment journey from his blog. He talks extensively on his holdings and portfolio every now and then. =)

@engwj 11 ай бұрын

How much he invested to get $200k dividends?

@Shenli276 11 ай бұрын

True He has a lot of money to invest while we don’t

@sil3ntmode 11 ай бұрын

All good ak but 4% good return? I think more like above 7

@mosqutio88 11 ай бұрын

AK...I thought it would be Adam Khoo lol

@patrickmaurin995 11 ай бұрын

If he can do it, we all can do it….😊

@gszxc 11 ай бұрын

Dividend +$200k, base stock -$400k

@peanut0brain 11 ай бұрын

I believe in Singapore there is no tax on dividends nor on capital gains?!

@TheFifthPersonChannel 11 ай бұрын

Yes, Singapore has zero capital gains and dividend tax.

@peanut0brain 11 ай бұрын

@@TheFifthPersonChannel thanks for reply! I am Chinese American and I want to diversify my investment away from US dollars. I want to open a Singapore broker account online, transfer part of my money there, and buy dividend stocks. I wonder if foreigners (me) have to pay some capital gains or dividends tax? I currently have $1.2M usd in my portfolio pumping out $120k usd dividends per yr.

@TheFifthPersonChannel 11 ай бұрын

You're most welcome! You won't be taxed on the Singapore side. We're not familiar with American tax rules and you may want to check if the IRS will tax you on your foreign gains/dividends.

@mjmf1430 5 ай бұрын

@@peanut0brain Due to American laws restrictions on Americans’ foreign source of income and overseas investments, I don’t think Singapore banks would allow tax free dividends investments for any Americans, this is from speaking to several Singapore top bank managers.

@hgft274 11 ай бұрын

MasterL has left the chat.....

@simcn73 11 ай бұрын

MasterL’s ship has left port and sailing to Treasure Island .. don’t be too happy yet coz it may capsize in the sea

@aungnaylin9787 11 ай бұрын

❤

@theseira 11 ай бұрын

Don’t like dividends. Very slow.

@Edge5483 10 ай бұрын

Nice穿漢服👍👍🥺

@ralphou 11 ай бұрын

where can i see which are the Reits invested on?

@TheFifthPersonChannel 11 ай бұрын

Hey Ralph, you can always follow him on his blog. He blogs every now and then on his holdings. =)

@Marcus-qw9sx 11 ай бұрын

Feels like he's repeating similar things to Warran Buffett imo

@sylim4264 11 ай бұрын

Thank you AK for helping to enlighten me on the path of investment. I have gained more than a million $$ from investment over a decade. Proven track record thanks to your sharing. I learnt PPP from you, learnt MMM from CW8888, learnt reversion to mean from STE and learnt “trust but verify”from SMOL. Thank you! It has been a very rewarding and fruitful journey.

@MsPaperbear 11 ай бұрын

he feels more like 60+ instead of 50+. lol