Secret of Millionaire Investors by Adam Khoo & Conrad Alvin Lim

Adam Khoo – an entrepreneur, best selling author & a peak performance trainer
- Self-made millionaire by the age of 26 & currently run 3 business. CEO of Adam Khoo learning Technologies Group Pte Ltd.
- As an undergraduate, he was ranked among top 1 % of academic achievers & became pioneer in Talent Development Program - NUS gifted program.
- He has traines 355,000 students, teachers, professionals, executives & business owners in various fields.

Conrad Alvin Lim – Successful Full Time Professional On Line Trader. He created ‘ The Pattern Trader Tutorial & Forum. Instructor & Group Investment Strategist at Adam Khoo Learning Technology Group and running Wealth Investor Club tutorial & advanced tutorial.

Chapter 1 to 9 , 263 pages

CHAPTER 1 - Making Money from the Markets

Save 15%-20% of yr income fm yr day job & consistently invest in a portfolio of carefully selected stocks. Within 3 yrs the money u save has doubled in value.

How thousand of well-informed & well-trained investors all over the world are making hunders & thousands in extra income from the convenience of their home using Internet

Online brokerage accounts. Investor education materials has empowered individuals to take our financial destiny into our own hands.

To show how u can access world stock markets & invest in a whole range of of financials assets that can grow yr wealth at returns of 12% - 500% no matter which direction the market take!.

A little bit of knowledge can kill

After 2 yrs of saving my hard earned money, instead of growing, the stock he bought had fallen in value by more than 30%.. some stock went bust. Investing is supposed to make me rich but caused me to lose my hard earned money.

Learning fm the world Greatest Investor – Warren Buffet

I started to search for more answers & clues how people made money thru their investment. If I do not find a way to make my money grow at a higher rate of return, I would never make my 1st million.

Book – The Warren Buffet Way – Robert Hagstrom

I finally realized that I had broken all the fundamental rules in investing & did not follow any of the step required to buy winning stocks of great companies.

1. No idea how to identify high growth companies,
2. analyze reports,
3. determine financial stability of a co.
4. how to value true worth of a stock.

Wrong - I merely bought stocks based on advice of brokers/friends or stock is widely publicized.

Set a goal of learning everything necessary to become successful investor.

Value Investing –

1. Able to identified high growth & stable Co. by analyzing,
a. Income statement
b. Cash Flow Statements
c. Balance Sheet

2. To determine a stock intrinsic value

3. To buy it when its price was temporarily down & below its true worth.

Learning To double my money in Days

By buying ‘Option’ on stocks that were aggressively pushed up by strong market sentiments.

Learning fm mistakes & changing my strategy
Getting back to Basics & doing whatever it takes to succeed

Started learning: -
1. Art of momentum investing
2. Technical Analysis
3. Options Trading
By George Fontanills, William O neil, Terry Bedford

Trading For A living & Come to my Trading Room - Alexander Elder

Essential basic to learn – getting back to Basic

1. Thoroughly analyze a company profitability & financial stability (Fundamental Analysis)
2. Understanding market psychology towards a stock (Technical Analysis)
3. Finer points of Pattern Trading
4. Momentum Trading
5. Sector Investing
6. Japanese Candlestick Analysis
7. Get to know & modeled real traders to give valuable insights of online trading



Develop 1st strategy – 5-Day Pre-Earnings Game (www.wealthacademy.com) & test more advanced strategy
1. sector rotation
2. Intra-Day Scalping
3. Momentum Trading

I post all my successful trade blog & website @ www.wealthacademymyinvestor.com

Develop the The Pattern Trader Tutorial

You should never ever give up hope. You must believe in yourself. Expect failures & setbacks to come bec it will. It is not what happens to you that determine yr destiny. It is what u chose to do about it that makes the difference Choose to keep learning fm yr mistakes & change yr strategy.


U will be learning all the strategies & techniques that u need in order to conquer the market. At times we will be going into very technical detail that may seem overwhelming. (esp if u don’t have financial background)

We want to teach u everything u need to get starting in investing safely.
U will be able to easily understand & graps the important financial concepts.
Get ready to take yr financial intelligence to a new level & take charge of yr financial destiny.



CHAPTER 2 – The Power of Investing in Building your Wealth

I believe the ability to invest is one of the most powerful skills u can ever learn in yr life.

Investing is Highly Risky ?

Most people don’t like the idea of taking a big risks – phobia for investing. They lose out on of 1 of the most powerful wealth building tool available. By not investing they experience devaluation of their hard earned money fm effects of inflation. Is yr money growing as fast as prices are rising ? Not Investing leads to High Risk & No Return.


When u know what u are doing, Investing is low Risk & High Return.

Depends on level of competence of an investor. Just like driving a car.

Risk for investor
1. Do not know what they are doing
2. Do not have a basic understanding of economic cycle
3. Do not know how interest rates & oil prices affect the global economy & stock market
4. Do not know where & how to read financial reports & accounting knowledge
5. Do not know how to value the worth of Co. shares they are buying.
6. Do not understand what business the Company is involved or business strategy.

When u have a thorough understanding of the stock market & the rules of investing, investing is no longer a Risk. The u can achieve high returns with low Risk.

Risk comes from not knowing what you are doing. – Warren Buffet

All greatest Investors are not risk takers but are very risk averse. They are strong in financial competence & thorough understanding.

Warren Buffet – achieved 24.7% returns per year for the last 49 yrs
His Rule No.1 - Don’t Lose Money !
His Rule No.2 - Don’t forget Rule No. 1

Security is my highest priority.

Which investment Vehicle gives the Highest Return ?

Investment Annual Compounded Return Years to Double

Inflation (US) 3.7%
Inflation (SG) 3.2%
FD SG (3 yrs) 1.5%
US Treasury Bills (3mth) (Govt Bonds) 4.5% 16 yrs
Gold 4.1% 17.5 yrs
US Corporate Bonds 6.4% 11.25 yrs
US Stocks (S&P 500) 12.08% 5.96 yrs
Singapore Stocks (STI) 19yrs 10% 7.2 yrs


US stock market grow by annual compounded avg of 12.08% per year, doubling in value every 5.96 yrs. A $10,000 investment would grow into $97,850 in 20 yrs (10 X) and into $306,000 in 30 yrs (30 X).


Bond – A Bond is an IOU in which u (investor) agree to loan money to a Co. (Co Bond) or Govt (Govt Bond) in exchange for regular interest payments (known as coupon) & the eventual repayment of the capital at maturity. Co. & govt issued bonds of various borrowed amt, interest rates & time to maturity which u can buy.

How Stock Market Performance is Measured

9000 Companies listed on 3 main US Stock Exchange, NYSE, NASDAQ & AMEX
US Stock market is represented by many indexes, the most popular of which is Standard Poor 500 Index – 70% of the total stock market value.
DJIA – 30 largest Co
Singapore market - 620 listed Co. STI - Strait Times Index – 55 largest Co.

Indexes are used as benchmark that all investor try to beat. Any idiot can achieve a12.08% or 10% simply by buying S&P 500 Index or STI Index. As well informed & financially competent investor try to beat the indexes performance


US market or Singapore Market ?

Why US stock market. ?

1. A much wider selection of Stocks & Financial Derivatives
2. Higher Liquidity & Volume
3. Superior research data & tools at much lower costs


1. A much wider selection of Stocks & Financial Derivatives
Obvious advantage – 9000 listed Co. compare to Singapore of 620 listed Co.
A. Easier to to find a great stock that fits all the winning investment criteria & that could triple in value (3x).
B. Have much higher potential to increase in value bec it have much higher potential for sales & earning growth (US consumer marke is huge).
C. Many of the Co. stocks having ‘Options’ written in them. – able to use a much wider range of trading strategy even when stocks go down or move side ways, don’t move at all.

2. Higher Liquidity & Volume

A. High volume of securities traded everyday.
B. Have ‘ MarketMaker’ who will buy the stocks u want to sell & buy the stock u want to sell if no one else would. Guaranteed to be able buy/sell.
C. In SG, they are some great investment instrument that are very hard to buy/sell bec lack of vol.

I always recomended to buy STI ETF. If u have bought in yr 2006, u have made annual return of 26% as STI surged to alltime high of 3,000 points. The trouble is it is very difficult to buy/sell this powerful security as the average daily traded volume is less than 10 shares per day.

3. Superior Research Data & Tools at much lower costs
Making the right investment decision depends on very much on the timeliness & comprehensiveness of the research data available.

A. In US hundreds of stock research sites provided u with conceivable piece of research information u need.
B. This information is free.
C. Have access to same & exact info that is used by professional fund managers.
D. U can find 10-year history of earnings, profitability, borrowings, valuation, ratings of hundred of stocks analysis.
E. In local market, availability of RD is extremely limited. & expensive.

Great news - use to be very difficult & expensive due to high transaction costs & inconvenience of going to local broker (which closed when US market is opened) due to time difference. But due to explosive growth of Internet & the emergence of online discount stock brokers, it is now easy & cheap to access the US stock markets

How the power of investing can turn u into an automatic Millionaire by just saving 10% of your income.

Earn $3000 a month  average of $36,000 a year for 30 yrs
Start working at 25  Retire at 55
$36,000 X 30 yrs  $1.08 million

But u would spend most of the money you earn  $3000 a month !!

If u invest 10% of $3000 a month  $300 into US stock market Index (S&P 500)
& allow it to compound annually @ 12.08%  $939,106
Invest consistently for 30 yrs


Understanding the Awesome Power of Compounding

Invest $200 a month for 10 yrs @ 10% rate of return anually


Monthly Investment $200


Total Amout Invested 10% Return Total Investment Amount Accumulated
Yr 1 2,400 240 2,640
Yr 2 5,040 504 5,540
Yr 3 7,944 794.40 8,738.40
Yr 4 11,138.40 1,113.84 12,252.24
Yr 5 14,652.24 1,465.22 16,117.46
Yr 6 18,517.46 1,851.74 20,369.20
Yr 7 22,769.20 2,276.92 25,046.12
Yr 8 27,446.12 2,744.61 30,190.73
Yr 9 32,590.73 3,259.07 35,849.80
Yr 10 38,249.80 3,824.98 42,074.78



Invest $300 a month for 10 yrs @ 15% rate of return anually
Monthly Investment

Total Amout Invested 15% Return Total Investment Amount Accumulated
Yr 1 3,600 540 4,140
Yr 2 7,740 1161 8,901
Yr 3 12,501 1,875 14,376.15
Yr 4 17,976.15 2,696.42 20,672.57
Yr 5 24,272.57 3,640.88 27,913.45

Tajuk : Secrets of Millionaire Investors ( Rahsia Pelabur Jutawan)

Jenis Buku/Bahasa : Pelaburan & Kewangan/Inggeris

Pengarang : Adam Khoo & Conrad Alvin Lim

Penerbit: Adam Khoo Learning Technologies Group Pte Ltd

Dimana boleh didapati : Kedai-kedai buku tempatan seperti Popular, MPH, dan di perpustakaan awam.

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Pembukaan –

Dalam kegawatan ekonomi kini adalah amat sesuai sekali untuk kita mencelikkan minda kita terhadap dunia pelaburan. Bagi mereka yang ingin membuka ruang kepada dunia pelaburan dengan pengertian yang mudah dan berkesan, buku ini amat membantu. Dan bagi mereka yang sudah berjinak-jinak dengan pelaburan, buku ini memberi inspirasi dan juga tip-tip pelaburan yang tidak sukar seperti yang disangkakan.

Pengarang -

Pengarang tempatan, Adam Khoo adalah seorang entrepreneur, penulis best seller, pakar motivasi dan seorang jutawan muda. Dia juga telah menghasilkan buku-buku best-seller yang lain seperti Secret of Self Made Millionaire dan I am Gifted , So Are You. Pengarang bersama Conrad Alvin Lim adalah seorang Trader Online Professional sepenuh masa dan instruktur yang mengenalkan dan memimpin Wealth Investor Club dan Wealth Akademi Investor tutorial di Adam Khoo Learning Technologies Group Pte Ltd.

9 Bab (Chapters) -

Buku ini mengandungi 9 bab dan setiap satu bab memberikan ilmu dan informasi yang berguna dan tip-tip penting untuk para pelabur.

Bab 1 – Membuat Wang dari Pasaran

“ Making Money From the Market “

Bab 2 – Kuasa Pelaburan yang dapat membina Kekayaan Anda

“ The Power of Investing in Building Your Wealth “

Bab 3 – Cara bodoh & paling mudah membuat Wang

“ The Idiot Proof Way of Making Money”

Bab 4 – Pelaburan Bernilai – Resipi Warren Buffet untuk Kaya

“Value Investing: Warren Buffet’s Secret Recipe for Wealth”

Bab 5 – Pelaburan Momentum – Mendapatkan Saham sebelum Harga Menjulang Naik “ Momentum Investing – Catching stocks before they fly”

Bab 6 – Dunia Pelaburan Options yang Menakjubkan

“ The Amazing World of Options”

Bab 7 – Menggunakan “Call Option” untuk merendahkan risiko dan mengaup keuntungan “ Using Call Option to reduce Risk & boost Returns”

Bab 8 – Bagaimana membuat Wang dalam berbagai Hala Pasaran

“How to Make Money in any Direction”

Bab 9 – Langkah Anda selanjutnya menuju ke arah Kebebasan Kewangan

“Your next step to financial freedom”

Bab-bab ini menyentuh tentang kepeloporan pelaburan internet tanpa broker yang semakin merancakkan dunia pelaburan. Tetapi dengan pengetahuan yang sedangkal, ramai pelabur yang gagal dan rugi kerana membeli dan menjual saham atas dasar nasihat kawan dan keluarga atau kerana mendengar berita-berita angin dan tip yang kurang bernas.

Sebaliknya disini, ia memberikan 3 panduan dasar sebelum membeli saham ;

1. Bagaimana mengenali syarikat yang mempunyai potensi untuk maju & pesat dengan menganalisa Income Statement, Cash Flow and Balance Sheet.
   
2. Mengesahkan nilai intriksi asas sesebuah saham.
3. Membeli saham pada masa harga saham itu jatuh buat sementara dan dibawah nilai sebenarnya.

Pelaburan bukanlah sesuatu yang mudah dan buku ini memberikan gambaran hakiki bahawa kegagalan dan kerugian memang tidak dapat di elakkan. Oleh itu buku ini merangsangkan setiap individu untuk memahami asas-asas pelaburan, mula berlabur dengan cara yang selamat dan berkesan, berlabur dengan konsisten dan berdisiplin (kurangi emosi) dan akhirnya ia menggalakkan pelabur agar meningkatkan diri dengan sentiasa belajar tentang konsep-konsep kewangan yang perlu.

Ia juga menyentuh tentang risiko dalam pelaburan. Ia meibaratkan risiko pelaburan seperti memandu sebuah kereta. Kalau seseorang itu kurang mahir memandu kereta, tidak tahu menggunakan alat fungsi dalam kereta dan kurang faham akan undang-undang dan panduan jalan raya, kereta yang dipandu itu akan terbabas sebelum sampai ke destinasi. Bahkan ia juga boleh menyebabkan kematian si pemandu, jika terlibat dalan kemalangan.

Tetapi jika pemandu itu mahir memandu, memahami keupayaan kenderaannya serta cukup faham atas panduan jalan raya, ia akan dapat mengatasi berbagai situasi dan risiko sepanjang perjalanan.

Oleh itu, demi mengatasi sesebuah risiko pelaburan, buku ini memberi pelabur, jawapan pada risiko -risiko yang ada.

Antara Risiko Pelabur :

1. Tidak tahu apa yang mereka laburkan
2. Tidak punya pemahamam asas tentang putaran ekonomi dunia
3. Tidak faham bagaimana kadar faedah, kadar tukaran wang asing, kadar inflasi dan pengangguran dan turun-naiknya harga minyak menentukan hala ekonomi global dan pasaran saham
4. Tidak tahu dimana dan bagaimana membaca laporan kewangan dan perkiraan akaun syarikat saham
5. Tidak tahu nilai sebenar saham syarikat yang dipegang
6. Tidak tahu apakah jurus utama perniagaan syarikat itu dan strategi perniagaan yang diambil oleh syarikat tersebut.

Ia setuju dengan prinsip pelabur terkemuka dan ikonoklas, Warren Buffet bahawa semua pelabur yang hebat adalah terdiri golongan yang kurang mengambil risiko (risk averse) dan bukan pengambil risiko tinggi (risk takers).

Ini kerana mereka mendalami perihal pelaburan secara terperinci. Satu prinsip terkemuka Warren Buffet adalah untuk memahami pelaburan dan risiko yang di ambil dan jangan alami kerugian !. Sudah tentu ini adalah lebih mudah dikatakan dari dikotakan !

Kedua-dua pengarang buku ini juga menggalakkan pelaburan di Amerika Syarikat berbanding dengan belabur di Singapura (SGX) kerana sebab-sebab berikut: -

1. Pasaran di Amerika lebih besar, lebih kurang 9000 syarikat berdaftar di pasaran NYSE, AMEX, NASDAQ berbanding dengan pasaran SGX (hanya lebih kurang 620 syarikat) .

2. Mudah mencari saham syarikat yang mempunyai potensi pesat untuk berkembang 3X nilai intrisik dan melebihi 6% pertumbuhan dalam masa yang tersingkat.

3. Saham-saham ini mempunyai instrumen derivatif kewangan seperti Options dan CFDs (Contract for Difference/kontrak perbandingan). Derivatif ini amat berkesan kerana keuntungan boleh didapati dalam berbagai hala pasaran walaupun pasaran menurun .

4. High Liquidity – Saham amat mudah di urus jual (cairkan) dan ditukarkan kepada wang tunai kerana saiz dan jumlah ‘ trading volume ‘ yang tinggi.

5. Mudah mencari informasi dan data analisa syarikat saham dengan percuma di lelaman internet (Syarikat di Singapura kurang informasi dan anda harus bayar lebih mahal untuk data-data tersebut).

6. Bayaran komisyen online broker di Amerika lebih murah.
   

Akhir kata, banyak lagi tip-tip, petunjuk dan contoh yang dibekalkan untuk para pelabur novice (baru) dan juga yang berpengalaman jika anda sanggup melabur masa dan wang untuk menelaah buku ini .

Secara persendirian saya rasa buku ini memberikan pemahaman asas dan ilmu yang baik dan berkesan untuk para pelabur mengatur langkah melabur wang dengan selamat. Mentelah lagi, dihasilkan oleh penulis dan perlabur tempatan masakini, ia memberikan persepsi tulus yang mudah diterima.

Umumnya, memang banyak lagi ilmu pelaburan dan kewangan yang boleh dicedup dari pelbagai buku-buku kewangan yang sedia ada di kedai-kedai buku.

Namun buku Secrets of Millionaire Investors yang setebal 263 mukasurat ini dapat memberikan inspirasi positif serta merta untuk menuju ke arah kebebasan kewangan anda. Saya pasti kepadatan ilmu dan intipati didalamnya amat berbaloi untuk harga buku yang hanya $32.40. Selamat membaca dan meneroka kejayaan pelaburan anda !

Hari Raya Aidilfitri 1st Oktober 2008

Celebration for this Hari Raya - 1st Oktober 2008

Preparation

This year Hari Raya collided with my involvement with F1 Night Races. Therefore the first victims was the ketupat. I could only make 30 pieces of ketupat, usually more. But this was salvaged by Yas (Isteri Abang Nal) who volunteered making up the numbers.

Kueh Suji

My lovely wife Zaiton, found an immediate passion to fill up here time waiting for me every F1 night. She successfully made her own Suji and I was impressed. Personally I never like Suji. But this year it became the pride of the family. May be next year we could take orders as the word get around. Ashydiq & Aidid snap up every Suji available.

Family Re Union

This is the first year we celebrated Hari Raya since my dad, Haji Baba passed away & i felt tinged of sadness evenmore. But what struck me was that I realised as the more of the elderly family members left us, we only left with memories. Problem is my children or new members to the family (thru marriages), will not be able to know who is who in the family tree. There is now the urgency to start my " Family Tree" project. This is to put on record every member for this family and confirm their data officially, so if 50 or 60 years down the road my grandchildren will know who their grandfather. Always pandang belakang...

Hari Raya House to House Visit

Another issue that cropped up every Hari Raya is I can remember the house but not the address. And the phone number is not updated. Therefore to assist my fellow family members I will update all the latest address or contact number from nenek, datuk, pak cik, mak cik to anak-anak saudara....

Dividend Pertumbuhan (Growth Dividends) – 2006 & 2008

Apa ?

Kenapa ?

Siapa ?

Berapa ?

Bila ?

Bagaimana ?

Tahun 2006

Apa ?

Kenapa ?

Dalam belanjawan 2006, Pemerintah telah mengumumkan bahawa ia akan mengongsi sebahagian daripada lebihannya dengan memberikan Dividen Pertumbuhan (Growth Dividens) kepada warga Singapura.

Siapa ?

Untuk menerima Growth Dividends, anda haruslah :

• seorang warga Singapura
• Umur 21 ke atas pada tanggal 31 Disember 2005
• Mendaftar diri untuk menerima Pakej Progress pada tanggal 31 Disember 2006

Berapa ?

Jumlah Growth Dividends yang anda layak terima berdasarkan :

• Nilai tahunan rumah anda pada tahun 2005 seperti yang di anggarkan oleh IRAS
• Taksiran pendapatan tahunan untuk tahun 2005 (pendapatan 2004)

	Nilai Tahunan Rumah $6,000 atau kurang	Nilai Tahunan Rumah lebih dari $6,000 dan sehingga $10,000	Nilai Tahunan Rumah lebih dari $10,000
Pendapatan Kasar Tahunan $24,000 atau kurang	$800	$600	$200
Pendapatan Kasar Tahunan lebih $24,000	$600	$400

Bila ?

01-Apr-06	Warga Singapura akan menerima surat pemberitahuan tentang Pakej Progress dari CPF Board
01-May-06	Warga Singapura yang telah mendaftar diri menggunakan borang/ATM atau lelaman www.progress.gov.sg akan menerima Dividen Pertumbuhan

Bagaimana ?

Bayaran akan dikreditkan ke dalam akaun bank anda. Jika akaun bank ini sudah ditutup, anda akan menerima cek.

Untuk maklumat lanjut tentang Dividen Pertumbuhan, sila kunjungi lelaman www.gstoffset.gov.sg dan www.singaporebudget.gov.sg atau hubungi talian 1800-2222-888.

Dividend Pertumbuhan (Growth Dividends) – 15 April 2008

Apa ?

Kenapa ?

Berapa ?

Bila ?

Bagaimana ?

Tahun 2008

Apa ?

Kenapa ?

Dalam belanjawan 2008, Pemerintah telah mengumumkan bahawa ia akan mengongsi sebahagian daripada lebihannya dengan memberikan Dividen Pertumbuhan (Growth Dividens) kepada warga Singapura

Berapa ?

Berapa ?

Jumlah Growth Dividends yang anda layak terima berdasarkan :

• Nilai tahunan rumah anda pada tahun 2007 seperti yang di anggarkan oleh IRAS
• Taksiran pendapatan tahunan untuk tahun 2007 (pendapatan 2006)

	Nilai Tahunan Rumah $6,000 atau kurang	Nilai Tahunan Rumah lebih dari $6,000 dan sehingga $10,000	Nilai Tahunan Rumah lebih dari $10,000
Pendapatan Kasar Tahunan $24,000 atau kurang	$800	$600	$200
Pendapatan Kasar Tahunan lebih $24,000	$600	$400

Bila ?

Bagaimana ?

15-Apr-08	Warga Singapura akan menerima surat pemberitahuan tentang Pakej Progress dari CPF Board
30-Apr-08	Bayaran akan dikreditkan ke dalam bank akaun anda untuk ansuran pertama Dividen Pertumbuhan 2008
01-Oct-08	Bayaran akan dikreditkan ke dalam bank akaun anda untuk ansuran kedua Dividen Pertumbuhan 2008

* Jika akaun bank anda sudah ditutup, anda akan menerima cek.

Penambahan Dividend Pertumbuhan (Growth Dividends) – 20 August 2008

Tahun 2008

Apa & Kenapa ?

Pada Rapat Hari Kebangsaan (NDR) tanggal 18 Aug 2008, Pemerintah telah mengumumkan bahawa ia akan menokok-tambah ansuran kedua Dividen Pertumbuhan (Growth Dividens) yang akan diberikan dalam Bulan Oktober 2008 kepada warga Singapura

Berapa ?

Jumlah ansuran kedua Growth Dividends dalam Bulan Oktober 2008 yang anda layak terima berdasarkan :

	Untuk HDB 1,2 atau 3 bilik	Untuk HDB 4 atau 5 bilik, Esekutif & rumah swasta	Rumah swasta (Pte property)
	Nilai Tahunan Rumah $5,000 atau kurang	Nilai Tahunan Rumah lebih dari $5,000 sehingga $10,000	Nilai Tahunan Rumah lebih dari $10,000
Pendapatan Kasar Tahunan $24,000 atau kurang	$300 ($450 untuk umur 60 ke atas)	$225 ($337 untuk umur 60 ke atas)	$112 ($168 untuk umur 60 ke atas)
Pendapatan Kasar Tahunan lebih $24,001 ke $100,000	$225 ($337 untuk umur 60 ke atas)	$225 ($337 untuk umur 60 ke atas)	$112
Pendapatan Kasar Tahunan lebih $100,000	$75	$75	$75

Bila ?

Bagaimana ?

01-Oct-08

Bayaran akan dikreditkan ke dalam bank akaun anda untuk ansuran kedua Dividen Pertumbuhan 2008

* Jika akaun bank anda sudah ditutup, anda akan menerima cek.

Untuk maklumat lanjut tentang Dividen Pertumbuhan, sila kunjungi lelaman www.gstoffset.gov.sg dan www.singaporebudget.gov.sg atau hubungi talian 1800-2222-888.