OCBC Bank

Beyond the principles you mentioned, there must be two or three backup plans as well, since the market is constantly changing and adjusting. While developing your own style is important, what kind of flexibility does that entail?

The principal is good approach to take on penny stock, I like how riska dusted returns are optimised and not just total returns!

I like what you've said..."market is always there, long or short, no need to feel sad".

Iggy's Journal: The Bank Everyone Says Wins, and the Yield That Says Not Yet

19 September 2026, Morning

Video Release

Everyone read this week's Fed hike as good news for UOB. The structural case actually holds up, 43 percent of its loan book sits in Singapore dollars against 37 to 38 percent for DBS and OCBC. But here's what doesn't fit the celebration: UOB's yield gap to my hurdle widened this week, it didn't narrow.

The Numbers

UOB's trailing yield sits at 3.80 percent against my 4.7 percent hurdle, a 90 basis point miss that's actually 9 points wider than it was three weeks ago. The market had already priced in UOB's structural advantage before the Fed even opened its mouth, which is exactly why the payout hasn't caught up to the good news yet. The margin benefit Macquarie is modelling doesn't fully land until 2027, once SORA itself moves. Iggy's Forensic Zone on this one is Caution.

My Personal Take

This is the trap with a genuinely good structural story: the market prices the story faster than it prices the actual cash reaching your account. If you're eyeing UOB for CPF or SRS income off the back of this week's hike, the loan book math is real, but the yield gap widening instead of closing is the number that should slow you down, not the headline. Full breakdown of the SORA transmission timeline and why 2027 matters more than this week's rate decision is in today's video.

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Not financial advice. Iggy's Forensic Compliance Standards apply.

Cheers, Iggy 🦖

You are a model investor and very disciplined in your approach to investing!

@Fattycat Thank you for sharing your journey from losing your army allowance and school savings in 1998 penny stocks to building your REITs ETF safety net that we all learn from in your weekly REIT comparisons. You teach Rule #1 - never put a large lump sum into what you don't fully understand - yet you started buying HK large-cap blue chips a year ago despite currency risk. Could you walk us through one HK company you studied and decided to PASS on vs one you BOUGHT, and what specific accounting red/green flags from your 5 years working in China in Mandarin made the difference? How did you size that first position to stay true to Rule #1?

Thank you for sharing! I do agree with your sharing. But there some exceptional cases who really put their all supposedly earnings into certain shares that leads to high returns. And I still care about applying your methods when the person can more than afford to do so.

Nice sharing! Always see your posts in your community! Glad to know you better from this post! All the best! Am always learning to be a better investor each day!

I'd like to ask: after suffering significant losses, how should one allocate investment proportions? Is a conservative strategy for breaking even advisable, or would a 2x leverage be recommended? Strategies for stable floating profits versus major losses must differ due to the psychological impact. In a profitable state, one can invest conservatively, even dollar-cost averaging into broad indices or selling options for premium income. What are your recommendations for a loss-making state? I'm open to advice not just on stock selection and position adjustments, but also on mindset.

quad witching happens four times a year and it seems to suggest high volatility, which should be good for option premiums.