If You're Green, Go Blue

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background: -moz-linear-gradient(top, #E95F86 0%, #7A70AD 100%); background: -webkit-gradient(linear, left top, left bottom, color-stop(0%,#E95F86), color-stop(100%,#7A70AD)); background: -webkit-linear-gradient(top, #E95F86 0%, #7A70AD 100%); background: -o-linear-gradient(top, #E95F86 0%, #7A70AD 100%); background: linear-gradient(to bottom, #E95F86 0%,#7A70AD 100%); filter: progid:DXImageTransform.Microsoft.gradient(GradientType=0, startColorstr=#{#E95F86}, endColorstr=#{#7A70AD})" type="hidden" name="background_style_themeDCR" id="background_style_themeDCR"><input value="background: #7A70AD; background: -moz-linear-gradient(top, #7A70AD 0%, #7A70AD 100%); background: -webkit-gradient(linear, left top, left bottom, color-stop(0%,#7A70AD), color-stop(100%,#7A70AD)); background: -webkit-linear-gradient(top, #7A70AD 0%, #7A70AD 100%); background: -o-linear-gradient(top, #7A70AD 0%, #7A70AD 100%); background: linear-gradient(to bottom, #7A70AD 0%,#7A70AD 100%); filter: progid:DXImageTransform.Microsoft.gradient(GradientType=0, startColorstr=#{#7A70AD}, endColorstr=#{#7A70AD})" type="hidden" name="background_style_meta" id="background_style_meta"><input value="hero-before-gradient field field--name-field-basic-page-content field--type-entity-reference-revisions field--label-hidden field__items field--name-field-blog-gradient-block" type="hidden" name="heroBeforeDivClass_themeDCR" id="heroBeforeDivClass_themeDCR"><input value="node node--type--blog-post node--view-mode-full" type="hidden" name="articleElementClass_themeDCR" id="articleElementClass_themeDCR"> <div id="page--node" class=""><div class="container-fluid iw_section" id="sectionjmeo4nej"> <div class="row iw_row iw_container" id="rowjmeo4nek"> <div class="iw_columns col-lg-12" id="coljmeo4nel"> <main> <div class="region region-content"> <div id="block-ocbc-frank-page-title" class="block block-core block-page-title-block"> <h1 class="page-title"> <span class="field field--name-title field--type-string field--label-hidden">Blog Post: A Fresh Graduate's Guide to Saving Money</span> </h1> </div> <div id="block-ocbc-frank-content" class="block block-system block-system-main-block"> <div id="articleElement" data-history-node-id="54" role="article" about="/blog/a-fresh-graduate-guide-to-saving-money" class="node node--type--blog-post node--view-mode--full" style="background-image: url()">  <div class="iw_component" id="iw_comp1537695383516"> <div class="blog-hero-image" style="background-image: url('/iwov-resources/images/blog/2020/03/masthead_bcip.jpg')"></div> <main class="blog-main clear"> <div class="blog-main-inner"> <div class="blog-content"> <div class="blog-before-title"> <div class="blog-date tagline"> <div class="field field--name-field-blog-date field--type-datetime field--label-hidden field__item">21 Oct 2023</div> </div> <div class="blog-reading-time tagline"> <div class="field field--name-field-blog-reading-time field--type-string field--label-hidden field__item">10 Mins Read</div> </div> </div> <div class="field field--name-field-blog-content field--type-entity-reference-revisions field--label-hidden field__items"> <div class="field__item"> <div class="blog-title-block"> <div class="blog-title-wrapper"> <h1 class="blog-title">If You're Green, Go Blue</h1> <h5 class="blog-summary"><p>How do I start investing? Which stock should I buy? Answering the most common investment questions.</p></h5> </div> </div> </div> <div class="field__item"> <div class="clear blog-section-header"> <h4> <div class="field field--name-field-blog-section-header-text field--type-string field--label-hidden field__item">START WITH BLUE CHIPS?</div> </h4> </div> </div> <div class="field__item"> <div class="blog-paragraph"> <div class="blog-paragraph-body"> <div class="clearfix text-formatted field field--name-field-blog-paragraph-body field--type-text-long field--label-hidden field__item"><p>For most people, the term “investment” tends to refer quite specifically to stocks (or some others, crypto), which invariably invites the question: “what should I invest in?”</p> <p>From the bigger names like Apple, and Meta, to the notoriously speculative stocks like GameStop and Palantir, to the 378109th advertisement from “investment gurus” out there marketing their courses and promising riches, taking the first step to investing is daunting. While the promise of getting a quick buck sounds tempting and dreamy, the result is often a rollercoaster of emotions.</p> <p>It’s important to remember that investing is not the same as speculating. Investing is about pursuing the highest return at the lowest risk, based on fundamentals and analysis. Speculation, on the other hand, is about pursuing high-risk investments that often feel like gambling.</p> <p>A smart investor doesn't think of their cash and investments as separate; they think of them as part of their overall portfolio of assets. First-time investors can start building their portfolio by focusing on stocks that can create a strong foundation. This means prioritizing companies with size, stability, strong brand names, and resilient business models. These companies are commonly known as <strong>blue chips</strong>.</p></div> </div> </div> </div> <div class="field__item"> <div class="clear blog-section-header"> <h4> <div class="field field--name-field-blog-section-header-text field--type-string field--label-hidden field__item">Singapore has great names too</div> </h4> </div> </div> <div class="field__item"> <div class="blog-paragraph"> <div class="blog-paragraph-body"> <div class="clearfix text-formatted field field--name-field-blog-paragraph-body field--type-text-long field--label-hidden field__item"><p>Fortunately, investors need not look too far beyond our shores to find reasonably sound blue chip investment opportunities. Singapore’s blue chip benchmark - the Straits Times Index (STI) – is a useful starting point. The index is comprised of 30 Singapore blue chip companies including several historic brand names such as Singapore Airlines and Singtel, that have been servicing the Singapore market for more than a century.</p> <p>Singapore Airlines flew its first plane more than 70 years ago on 1 May 1947. Today, they have grew to a whooping 159 aircrafts, flying across 75 international destinations and serving more than 26 million passengers.</p> <p>Fast forward many years and these companies continued to brave the storms and thrive - a clear testament to the strength of their individual businesses and favourable domestic conditions which have allowed them to operate effectively without much trouble or difficulty.</p> <p>Indeed, Singapore has consistently topped on the World Bank’s “Ease of doing Business” survey since 2007 and is ranked highly in Asia for corporate governance. Currently, it is also the only country in Asia with the highest sovereign credit rating from all three major credit rating agencies. <br />Such stability goes a long way in reducing the risk of disruptions to business operations, allowing blue chip names to focus purely on delivering profits and reasonable dividend pay-outs.</p></div> </div> </div> </div> <div class="field__item"> <div class="clear blog-section-header"> <h4> <div class="field field--name-field-blog-section-header-text field--type-string field--label-hidden field__item">What’s the best time to invest?</div> </h4> </div> </div> <div class="field__item"> <div class="blog-paragraph"> <div class="blog-paragraph-body"> <div class="clearfix text-formatted field field--name-field-blog-paragraph-body field--type-text-long field--label-hidden field__item"><p dir="ltr">After selecting your investment, the next thing you’ll find yourself doing is to invest at the best time. Ideally, we would like to “buy low, sell high”, but the reality is, it’s almost impossible to consistently predict prices (or all of us would be traders).</p> <p dir="ltr">Understanding how the markets responds to macro-environment changes is a far more complex task that requires deep research and strong intuition, and even the smartest analyst makes wrong assessments.</p> <p dir="ltr">The below statistical observation shows that the longer your investment horizon, the more likely you are to end with a gain, proving that time in the market is more important than timing the market.</p> <div class="image-content__image"><img src="/iwov-resources/images/blog/if-you-are-green-go-blue/best-time-to-invest.jpg" /></div> <p dir="ltr">So how do we ensure that we don’t “time the market”? It’s an investment style commonly known as dollar-cost averaging (DCA), where you invest regularly at a fixed dollar amount, accumulating more stocks when the prices are low, and less when the prices are high.</p> <p dir="ltr">In essence, you buy a fixed dollar amount of shares on a regular basis (typically this may be on a monthly basis) regardless of the share price. In this manner, DCA takes advantage of share price movements in the stock market. Over time, as you accumulate more shares when prices are cheaper, you can potentially lower the average purchase price per share.</p></div> </div> </div> </div> <div class="field__item"> <div class="clear blog-section-header"> <h4> <div class="field field--name-field-blog-section-header-text field--type-string field--label-hidden field__item">Reap the benefits of investment discipline</div> </h4> </div> </div> <div class="field__item"> <div class="blog-paragraph"> <div class="blog-paragraph-body"> <div class="clearfix text-formatted field field--name-field-blog-paragraph-body field--type-text-long field--label-hidden field__item"><p dir="ltr"><strong>(1) Start small and make investments palatable</strong></p> <p dir="ltr">DCA is particularly attractive for new investors or those who do not have a large sum of money to invest upfront. It is also a good option for investors who are risk-averse, as it helps to reduce the impact of market volatility.</p> <p dir="ltr">It offers a simple and affordable way to start accumulating shares and gaining exposure to the stock market, while helping investors to remove the emotional aspect of investing.</p> <p dir="ltr">We humans are more sensitive to losses than gains, which makes us less likely to invest when stock prices are low and more likely to invest when they are high.</p> <p dir="ltr">This is where the simple structure of DCA can potentially alleviate such worries. By investing an equal amount of money into shares on a regular basis, you are able to lower the average purchase price per share. This can be comparatively lower than the average share price over the same period of time. Framed in this manner, DCA “protects” you from potential long-term losses, making the idea of investing at least more palatable.</p> <p dir="ltr"><strong>(2) Reframing the idea of losses</strong></p> <p dir="ltr">Once the decision has been made to invest, typically the next concern is the timing of the investment.</p> <p dir="ltr">Unpredictable price movements in the stock market tend to generate much anxiety that may affect your decision to invest. The mental “what ifs” start coming to mind and often results in a “wait and see” attitude. With every passing day of indecision, chances are you probably won’t do much of anything. Eventually, the market moves for the better or worse, and the same cycle of doubt and hesitance begins again.</p> <p dir="ltr">Again, DCA provides a simple way to overcome such emotional hurdles. By gradually investing in the stock market in a disciplined manner, DCA places smaller amounts at risk at a time. In so doing, you can take solace that any sudden drop in stock prices will not cause as huge a loss as if you had your entire lump-sum invested.</p> <p dir="ltr"><strong>(3) Staying focused</strong></p> <p dir="ltr">While emotions can result in delayed actions, it can also lead to drastic moves as well. This is especially observed during a declining market when share prices are decreasing. Typically, we tend to be overly pessimistic during these periods and find it difficult to stay invested, believing that the recent decrease in prices will persist.</p> <p dir="ltr">However, DCA prevents such knee-jerk reactions and stops you from completely terminating your investment plan. This keeps you invested in the market so that you can benefit from the market recovery later on.</p></div> </div> </div> </div> <div class="field__item"> <div class="clear blog-section-header"> <h4> <div class="field field--name-field-blog-section-header-text field--type-string field--label-hidden field__item">Beautiful in its simplicity</div> </h4> </div> </div> <div class="field__item"> <div class="blog-paragraph"> <div class="blog-paragraph-body"> <div class="clearfix text-formatted field field--name-field-blog-paragraph-body field--type-text-long field--label-hidden field__item"><p>The simplicity of the DCA structure helps the average investor overcome these behavioural tendencies which would have otherwise kept them from investing. It offers an affordable, sustainable, and comfortable way for new investors to ease into the stock market without incurring the anxiety that comes with having too much invested in the virtual unknown in a short period of time. It is thus the more practical choice among new investors and investors who may not have the time to actively monitor the performance of the stock market.</p> <p>With just S$100 a month, OCBC’s <a href="https://www.ocbc.com/personal-banking/investments/blue-chip-investment-plan?pid=Frank:investment:BCIP:AlwaysOn:Engagement:Aug:2023:internal::::::FRANKarticleIfYouGreenGoBlue%20:" target="_blank" rel="noopener">Blue Chip Investment Plan</a> (BCIP) allows you to gain exposure to Singapore-listed blue chip shares and exchange traded funds (ETFs), renowned for their robust reputation and consistent growth! It utilises a DCA approach with no lock-ins while having full control via the OCBC Digital app.</p></div> </div> </div> </div> <div class="field__item"> <div class="blog-paragraph"> <div class="blog-paragraph-body"> <div class="clearfix text-formatted field field--name-field-blog-paragraph-body field--type-text-long field--label-hidden field__item"><div class="field__item"> <div class="clear blog-section-header"> <h4> <div class="field field--name-field-blog-section-header-text field--type-string field--label-hidden field__item pink-gradient-bg"> <div class="cta-wrapper pad-30"> <div class="cta-title"> <h3 class="text-white">INVEST VIA OCBC DIGITAL</h3> </div> <div class="cta-content flex"> <div class="cta-logo"><img class="badge-shadow shadow-none" src="/iwov-resources/v2/img/OCBC_Mobile_Banking_App_Invert_160x160-v2%402x.png?202307021313" width="80" alt="" /></div> <div class="cta-details"> <p class="pt14 text-white">Available on Apple App Store, Google Play and Huawei App Gallery.</p> <button class="button button-primary button-width-1 com_apply-btn mt2 desktop-btn" onclick="window.open('http://onelink.to/pvy5ez','internet banking')">Invest online</button> <button class="button button-primary button-width-1 com_apply-btn mt2 mobile-btn" onclick="window.open('https://internet.ocbc.com/internet-banking/','internet banking')">Invest online</button></div> </div> </div> </div> </h4> </div> </div> <div class="field__item d-none"> <div class="blog-paragraph"> <div class="blog-paragraph-body"> <div class="clearfix text-formatted field field--name-field-blog-paragraph-body field--type-text-long field--label-hidden field__item"> <div class="__special-content section__inner gradient-block__inner"> <div class="gradient-block__items"> <div class="scroll-target gradient-block__item gradient-block__item--first" data-scroll-target="apply" id="apply"> <div class="gradient-block__item gradient-block__item--first"> <div class="_application-block"> <div class="application-block__method__wrapper"> <div class="field field--name-field-application-method field--type-entity-reference-revisions field--label-hidden field__items"> <div class="field__item"> <div class="application-block__method"> <div class="field field--name-field-apply-method-title field--type-string field--label-hidden field__item">Via Mobile Banking</div> <div class="clearfix text-formatted field field--name-field-apply-method-body field--type-text-long field--label-hidden field__item"> <p>For existing OCBC Mobile Banking customers only.</p> <p>To get started:</p> <ol> <li> <p>Log in to your OCBC Mobile Banking app</p> </li> <li> <p>Select the "Invest" tab</p> </li> <li> <p>Click on the "Blue Chip Investment Plan"</p> </li> </ol> </div> <div class="application-block__apply-action"><a class="application-block__apply-button button button--primary " href="http://onelink.to/pvy5ez" rel="noopener" target="_blank"> Log in via mobile </a></div> </div> </div> <div class="field__item"> <div class="application-block__method"> <div class="field field--name-field-apply-method-title field--type-string field--label-hidden field__item">Via Online Banking</div> <div class="clearfix text-formatted field field--name-field-apply-method-body field--type-text-long field--label-hidden field__item"> <p>For existing OCBC Online Banking customers only.</p> <p>To get started:</p> <ol> <li>Log in to your OCBC Online Banking account</li> <li>Select the “Investment & Insurance” tab</li> <li>Click on the “Blue Chip Investment Plan” link</li> </ol> </div> <div class="application-block__apply-action"><a class="application-block__apply-button button button--secondary" href="https://internet.ocbc.com/internet-banking/" rel="noopener" target="_blank"> Log in on desktop </a></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div></div> </div> </div> </div> <div class="field__item"> <div class="clear blog-section-header"> <h4> <div class="field field--name-field-blog-section-header-text field--type-string field--label-hidden field__item">DISCLAIMER</div> </h4> </div> </div> <div class="field__item"> <div class="blog-paragraph"> <div class="blog-paragraph-body"> <div class="clearfix text-formatted field field--name-field-blog-paragraph-body field--type-text-long field--label-hidden field__item"><p>This is for general information and does not take into account your particular investment and protection aims, financial situation or needs. You may wish to seek advice from a financial adviser before making a commitment to purchase an investment product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the investment in question is suitable for you.<br />This advertisement has not been reviewed by the Monetary Authority of Singapore.</p></div> </div> </div> </div> <div class="field__item"> <div class="clear blog-section-header"> <h4> <div class="field field--name-field-blog-section-header-text field--type-string field--label-hidden field__item">Graphs, charts, formulae and other devices</div> </h4> </div> </div> <div class="field__item"> <div class="blog-paragraph"> <div class="blog-paragraph-body"> <div class="clearfix text-formatted field field--name-field-blog-paragraph-body field--type-text-long field--label-hidden field__item"><p>Investors should note that there are necessarily limitations and difficulties in using any graph, chart, formula or other device to determine whether or not, or if so, when to, make an investment.</p></div> </div> </div> </div> <div class="field__item"> <div class="clear blog-section-header"> <h4> <div class="field field--name-field-blog-section-header-text field--type-string field--label-hidden field__item">IMPORTANT NOTICES</div> </h4> </div> </div> <div class="field__item"> <div class="blog-paragraph"> <div class="blog-paragraph-body"> <div class="clearfix text-formatted field field--name-field-blog-paragraph-body field--type-text-long field--label-hidden field__item"><ol class="pl15"> <li class="pl15">Any opinions or views of third parties expressed in this document are those of the third parties identified, and do not represent views of Oversea-Chinese Banking Corporation Limited (“OCBC Bank”, “us”, “we” or “our”).</li> <li class="pl15">This information is intended for general circulation and / or discussion purposes only. It does not consider the specific investment objectives, financial situation or needs of any particular person.</li> <li class="pl15">Before you make an investment, please seek advice from your Relationship Manager regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs.</li> <li class="pl15">If you choose not to do so, you should consider if the investment product is suitable for you, and conduct your own assessments and due diligence on the investment product.</li> <li class="pl15">We are not making an offer, solicit to buy or sell or subscribe for any security or financial instrument, enter into any transaction or participate in any trading or investment strategy with you through this document. Nothing in this document shall be deemed as an offer or solicitation to buy or sell or subscribe for any security or financial instrument or to enter into any transaction or to participate in any particular trading or investment strategy.</li> <li class="pl15">No representation or warranty whatsoever in respect of any information provided herein is given by OCBC Bank and it should not be relied upon as such. OCBC Bank does not undertake an obligation to update the information or to correct any inaccuracy that may become apparent at a later time. All information presented is subject to change without notice.</li> <li class="pl15">OCBC Bank shall not be responsible or liable for any loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided herein.</li> <li class="pl15">Investments are subject to investment risks, including the possible loss of the principal amount invested. The information provided herein may contain projections or other forward-looking statements regarding future events or future performance of countries, assets, markets or companies. Actual events or results may differ materially. Past performance figures, predictions or projections are not necessarily indicative of future or likely performance.</li> <li class="pl15">Any reference to a company, financial product or asset class is used for illustrative purposes and does not represent our recommendation in any way.</li> <li class="pl15">The information in and contents of this document may not be reproduced or disseminated in whole or in part without the Bank’s written consent.</li> <li class="pl15">OCBC Bank, its related companies, and their respective directors and/or employees (collectively “Related Persons”) may, or might have in the future, interests in the investment products or the issuers mentioned herein. Such interests include effecting transactions in such investment products, and providing broking, investment banking and other financial services to such issuers. OCBC Bank and its Related Persons may also be related to, and receive fees from, providers of such investment products.</li> <li class="pl15">You must read the Offer Document/Indicative Term Sheet/Product Highlight Sheet before deciding whether or not to purchase the investment product, copies of which may be obtained from your relationship manager.</li> <li class="pl15">Any hyperlink to any third party article, or other website or webpage (including any websites or webpages owned, operated and maintained by third parties) is for informational purposes only and for your convenience only and is not an endorsement or verification of any such article, website or webpage by OCBC Bank and should only be accessed at your own risk. 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<div class="col-md-6 col-lg-4"> <div class="hs-se-auto"> <h5 class="hs-se-title mb2 mob-mb3">OTHER HELPFUL LINKS</h5> <ul class="hs-se-list"> <li><a href="/stores" target="_self">Our stores</a></li> <li><a href="/blog" target="_self">Blog</a></li> <li><a href="/faq" target="_self">FAQ</a></li> </ul> </div> </div> </div> </div> </li> <li><a href="https://internet.ocbc.com/internet-banking/" target="_blank">Login</a></li> </ul> </div> </div> </div> </div> <div class="header-menu-mobile container-fluid"></div> <div class="header-menu-sub container-fluid"> <div class="container"></div> </div> </div> </header><script type="text/javascript"> //Setting Body CSS class and backgroundStyle. var frankBodyEle = document.getElementById('frankBodyDiv'); if(frankBodyEle) { var bodyCssClassEle = document.getElementById('bodyCssClass_themeDCR'); if(!bodyCssClassEle || bodyCssClassEle.value=='') { //Value from Theme DCR is Empty. 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