As we embark on our working lives, we start earning a salary. At the beginning, it feels liberating that you are earning your own keep and not depending on allowances anymore. However, with great [...]

“Don’t be discouraged by occasional losses (like now). Just like you cannot win every match in a football game, don’t expect your investments to do well all the time.” In this episode, I will [...]

“This time is different” is a common phrase I have heard over the course of my career each time when a financial crisis happens and I have gone through 4 major crises including the current one. [...]

Whenever some of my friends meet out for lunch, our topic of conversation will sometimes gravitate to what I am most preoccupied with recently. I would ponder about that and tell them how most of [...]

“I have been told by many that most trustees will never take any risks during their term in office. The belief is that if they make a good investment decision, no one will thank them, but if they [...]

My dearest children, As your father is writing this, Claire, you are a 3-year-old who has the special power to make your parents fume internally with your straight talk and the next moment, [...]

Can you accept the fact that your investment returns depend on how fast someone dies? The earlier they die, the higher your returns. In this episode, I will share my professional insights on [...]

TBC We are living in a world where patience is no longer a virtue. We like quick fixes and fast results. But speed comes at a price which we may not be aware of. In this episode, I reflect on how [...]

Erratic trading sessions dominated the month of May as major indices fluctuated between gains and losses. The S&P 500 fell for the 7th straight week on 20th May briefly entering a bear market [...]

When the market crashed in 2008, many people cautioned us to move all of our portfolios to cash as they feared the worst. When we did not do so and the markets fell further, some clients were [...]

When we talk about retirement planning or our proprietary methodology, RetireWell, we always mention the 5 key risks that retirees face, namely 1) Longevity, 2) Inflation, 3) Healthcare, 4) [...]

Imagine you are walking through a jungle and on your way, a storm come raging and cause damage to your planned route, you have 3 options below, which one would you choose? Continue with the same [...]

Retirement planning and security in a rapidly changing world The world we live in today is full of volatility and uncertainty. COVID-19 has impacted us greatly in ways we could not have imagined [...]

As of 20th May 2022, the S&P 500 has fallen 18.36% since the beginning of the year. The MSCI ACWI which includes the emerging markets is down 17.61% for the year. Even bonds were not spared. [...]

“Can I still buy insurance? Which insurance companies are willing to cover me?” These are the questions I recall having asked by a prospective client who suffered from a heart condition while I [...]