100 Years in the U.S. Stock Market: What Every Individual Investor Should Do
Background Every few years, a piece of academic research comes along that genuinely changes how thoughtful investors should think about markets. Professor Hendrik Bessembinder’s work is [...]
Property Investment in Singapore: How It Fits into a Diversified Portfolio
Executive Summary According to a recent Business Times survey conducted earlier this year, more than three in five Singaporeans still prefer to invest in property over stocks and bonds. Property [...]
What Investment Returns Should You Reasonably Expect?
This video was recorded in 2024, but it remains highly relevant today. In managing over S$1 billion worth of our clients’ assets, there is continuous monitoring in place to ensure that the funds [...]
CPF LIFE vs ILPs: Are We Comparing Certainty with Projections? (S5E20)
As trusted advisers to affluent clients for 25 years this year, our wealth management philosophy of making ikigai decisions before money decisions is grounded in real-world experience managing [...]
Is Gold a Good Investment in 2026?
This video was recorded in 2024, but it remains highly relevant today. You can also read Dr Peng’s article on gold, which he wrote in 2025, for further insights here. In managing in excess of [...]
Why Individual Investors Should Embrace Market Returns Instead of Trying to Beat the Market
In today’s hyper-connected financial markets, Singaporean retail investors are constantly tempted to outperform the market: picking hot stocks, timing entries and exits, chasing “undervalued” [...]
Market Regimes and What They Mean for Your Portfolio
Executive Summary Markets traverse through distinctive macro-economic environments, each shaped by combinations of risk appetite, growth, inflation, and monetary conditions. Using a [...]
Investing in Bonds – The Basics
Having gone through multiple market crises together with our clients since 2001, we know what works and what will not work when it comes to the reliability and sufficiency of investment returns. [...]
Why Recent Market Outperformance Does Not Replace the Need for Global Diversification
Executive Summary Recent strength in the Singapore equity market has understandably prompted investors to question whether globally diversified portfolios remain necessary, particularly after two [...]
7 Key Questions to Grow Wealth Through Efficient Planning and Investing
In Singapore’s competitive financial landscape, where CPF savings, tax-advantaged schemes, and global market opportunities intersect, individual investors often seek more than just alpha [...]
Gold: Is Now the Right Time to Buy?
In the past year, gold has captured headlines as one of the standout performers among global asset classes. After trading for much of the past decade below previous record highs, gold prices [...]
Avoid These Mistakes in Equity Investing
In managing in excess of S$1.7 billion worth of our clients’ assets, we know what works and what will not work when it comes to the reliability and sufficiency of investment returns. To share our [...]
Why the Philosophy of Sufficiency Matters More Than Ever in Wealth Planning (S5E05)
As trusted advisers to affluent clients for 25 years this year, our wealth management philosophy of making ikigai decisions before money decisions is grounded in real-world experience managing [...]
Thriving in a Messy World: Why the Philosophy of Sufficiency Matters More Than Ever
In a short span of just six years, we have been reminded of how fragile global stability can be. It began with the Covid-19 pandemic in Wuhan in December 2019, which disrupted supply chains and [...]
Venezuela in Focus: Political Developments and Market Implications
Executive Summary The US military operation in Venezuela on 3 January 2026 is geopolitically dramatic but economically minor, given Venezuela’s very small role in the global economy. Venezuela [...]
How to Invest During High Inflation
Having gone through multiple market crises together with our clients since 2001, we know what works and what will not work when it comes to the reliability and sufficiency of investment returns. [...]
2026 Market Outlook Explained: Key Insights and Practical Guidance for Investors
As the year-end approaches, leading financial institutions—including UBS, Morgan Stanley, S&P Global, Oxford Economics, and Shenwan Hongyuan Securities—have released their 2026 outlooks. [...]
Is There an AI Stock Bubble? Insights from our Data Analysis
In recent weeks, there has been a growing crescendo of “bubble talk” by financial market commentators as the S&P 500 continues to make new highs, driven by the spectacular growth of AI [...]
Avoiding the Trap of Knowing Too Much (S4E34)
Being a trusted adviser to our affluent clients for over two decades, our wealth management philosophy—making life decisions before money decisions—is rooted in our experience of managing over [...]
What My 9-Year-Old Taught Me About Investing
My son has been saving part of his allowance ever since he started primary school. It was a habit my wife and I wanted to build early — to help him see that money isn’t just for spending. [...]
When Knowing Too Much Makes You Poorer: A Lesson from The Ritz
My wife and I, together with some friends, just came back from a two-week vacation in Hokkaido and had the opportunity to stay at the Higashiyama Niseko Village, a Ritz-Carlton Reserve. The [...]
When My Article on ILPs Sparked Conversations I Never Saw Coming (S4E33)
Being a trusted adviser to our affluent clients for over two decades, our wealth management philosophy—making life decisions before money decisions—is rooted in our experience of managing over [...]
US Government Shutdown: Market Impact and Investor Guide
In the early hours of 1 October 2025 (local time), the US government officially shut down. This shutdown occurred primarily because the two major parties in Congress failed to reach an agreement [...]
ILPs: The Welcome Bonus That Costs You More Than You Think
In September this year, a Straits Times report highlighted that while sales of investment-linked policies (ILPs) grew by 72% from 2022 to 2024, complaints against them are also at an all-time [...]
Beyond the Math: Raising Money-Smart Kids Before Handing Them Millions
Recently, I was interviewed by CNA on the topic of making your child a millionaire. The discussion focused heavily on the mechanics — the “how-to” of compounding and investing. But I left [...]
Purposeful Succession: Planning for the Next Generation (S4E28)
Being a trusted adviser to our affluent clients for over two decades, our wealth management philosophy—making life decisions before money decisions—is rooted in our experience of managing over [...]
Stablecoins: What Singaporean Investors Should Know
Singapore has long positioned itself as a leading financial hub in Asia, balancing innovation with regulation. As digital assets move into the mainstream, one of the fastest-growing instruments [...]
Redefining Wealth: A Journey Towards Sufficiency
It was 6am in the morning, when the director yelled, “…and CUT, it’s a wrap!” I breathed a sigh of relief. It had been a gruelling 24-hour shoot for a commercial. No amount of [...]
The Lifelong Risk Conversation
In the world of investing, volatility is a norm. Markets rise and fall, and even the most seasoned investors can find themselves gripped by fear in the face of sharp declines. Many investors say [...]
